AAA vs. Trumbull: Which Company is the Best Fit for You?

If you're in the market for a new insurance policy, you might be wondering how Trumbull and AAA compare when it comes to the most affordable premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Trumbull offers cheaper rates than AAA
  • AAA offers more discounts than Trumbull Insurance Company
  • Trumbull offers more affordable average prices for drivers with a DUI charge on their record


AAA vs. Trumbull: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering sizable discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to AAA or Trumbull for your next policy, but which carrier will offer you less expensive rates?

AAA Trumbull
$314$253

As you can see, AAA has average rates that are about 19% per month more expensive than those from Trumbull when looking at the national average rates for auto insurance.

That being said, Trumbull may not be the cheapest or best option for each driver out there. Insurance companies vary their prices depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors. So, at the end of the day, premiums from each company will differ quite a bit from person to person.

Wanting to know if AAA or Trumbull is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

AAA or Trumbull: Average Car Insurance Rates by State

State AAA Trumbull
AZ$349$253

AAA and Trumbull only compete against each other in Arizona, where Trumbull offers the cheaper average rates. For Arizona residents, Trumbull offers car insurance for $253 per month on average. AAA's average premiums come out to be over 30% more expensive, at $349 monthly.

But there's more to calculating auto insurance prices than just where you live. Read on to find out more.


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Which is the Best Company For Young Drivers?

AAA Trumbull
18-year-old drivers$689$600
25-year-old drivers$276$248

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. That's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Trumbull for their car insurance pay nearly $90 less than those who use AAA.

But both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for AAA policyholders reduce almost 60% and Trumbull's prices drop nearly 60% over that time.

Which is the Best Company for Retired Drivers?

AAA Trumbull
65+-year-old drivers$238$162

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever find.

So, which company offers the best rates to retired drivers? Trumbull gets the edge here, with average premiums coming in at around $162 a month compared to AAA's $238.

Which is the Best Company for Married Drivers?

AAA Trumbull
Single$369$304
Married$239$185

You may not be aware, but car insurance prices tend to be more expensive for those who are single than they are for married couples. This usually boils down to married drivers having several cars on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, Trumbull is the clear winner for single drivers, with premiums about $65 a month more affordable than AAA, on average. The advantage is also clear for married policyholders - Trumbull offers the most affordable average rates.

AAA vs. Trumbull: Average Rates by Gender

AAA Trumbull
Male$331$265
Female$297$241

Did you know men typically pay more for auto insurance than women? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

With AAA, women normally pay more than 10% per month less than men, and almost 10% less with Trumbull when compared to their male counterparts.

When it comes to the cheapest rates for each gender, Trumbull offers the lowest average prices for both men and women. On average, women save about $56 a month and men save around $66 with Trumbull compared to the average AAA policyholder.


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AAA or Trumbull: Compare State Minimum vs. Full Coverage Rates

AAA Trumbull
State Minimum*$169$126
Full Coverage**$459$381

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that car insurance can be a complicated subject for most people. There are many different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

However, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability limits, Trumbull typically offers significantly less expensive premiums of $126 compared to AAA's $169. When it comes to full coverage policies with similar limits, Trumbull again has the edge, with policies about $80 per month cheaper than AAA, on average.

Is AAA or Trumbull Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Trumbull
Clean Record$213$192
1 Speeding Ticket$299$247

AAA policyholders can expect their rates to go up an average of $86 a month if they get a ticket, while Trumbull generally raises premiums around $55 per month, on average.

Even so, Trumbull is normally the more affordable option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about $21 a month and drivers with a ticket can save around $52 per month with Trumbull Insurance Company.

Which Company is Best for Drivers After an Accident?

AAA Trumbull
Clean Record$213$192
1 At-Fault Accident$339$290

After an accident, drivers who have their insurance through AAA can expect to see about an $126 -- or around 37% -- increase in their auto insurance rates. Drivers who use Trumbull for their car insurance will see a monthly bill about $98 (or 34%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use Trumbull end up with the cheaper prices after an accident, with monthly premiums averaging $290 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Trumbull
Clean Record$213$192
1 DUI$403$284

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. AAA drivers usually see a 47% increase in their insurance prices after a DUI charge, while Trumbull will generally climb premiums by around 32%.

If you have a DUI on your record and are looking for more affordable prices, Trumbull tends to be the much cheaper option with average rates of $284 monthly compared to $403 from AAA.


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How does Credit Score Impact AAA and Trumbull Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few drivers.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the best premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

AAA Trumbull
Excellent Credit Score$185$185
Good Credit Score$247$210

If you have solid credit, you'll usually find a better deal with AAA for an "excellent" credit score. Drivers with "excellent" credit can save 0% compared to Trumbull, while those with "good" scores can expect to see better savings from Trumbull -- about $37 or 15% less expensive than AAA each month.

Which Company is Best for Drivers with Bad Credit?

AAA Trumbull
Fair Credit Score$304$258
Poor Credit Score$539$361

Trumbull typically offers lower rates than AAA when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $46 a month less with Trumbull compared to AAA, and those with "poor" scores normally save an average of about $178 per month.


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Is AAA or Trumbull Better for Drivers who Work from Home or Have Short Commutes?

AAA Trumbull
6,000 Annual Miles$307$243
12,000 Annual Miles$320$263

How much you drive can have a pretty big impact on how much insurance companies will charge for coverage. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Trumbull offers more affordable prices than AAA. Trumbull's average premiums for drivers with 6,000 annual miles come in over 20% cheaper than AAA. Those who drive 12,000 miles yearly can expect to pay just under 20% less with Trumbull over AAA.

AAA vs. Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a big impact on your monthly car insurance payment. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

AAA Trumbull
Urban Areas$384$326
Suburban Areas$301$232
Rural Areas$256$202

When comparing these two carriers side-by-side, Trumbull typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both companies, but Trumbull comes out on top with average rates around $202 a month. Trumbull also has less expensive average prices for drivers in urban and suburban ZIP codes -- a $58 and $69 per month respective difference when compared to AAA policyholders in similar areas.

AAA vs. Trumbull Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Below, we've broken down all of the different discounts offered by both AAA and Trumbull so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

AAA Trumbull
AAA Discount 
Academic Discount 
Advance Quote Discount
Anti-Theft Discount
Companion Auto Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
DriveSharp Discount 
EFT Discount 
Employee Discount
Garage Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount
Hybrid Vehicle Discount
Lay-Up Credit Discount 
Mature Driver Discount 

AAA blows Trumbull away when it comes to the sheer amount of discounts available, offering 33 different discounts to Trumbull's 17.

Both carriers offer lots of the same discounts -- like anti-theft discounts, distant student discounts, discounts for getting driver training, and discounts for being a homeowner -- but AAA also offers AAA discounts, academic discounts, COVID-19 relief discount, and more that Trumbull does not.

On the flip side, Trumbull has a couple unique discounts of its own -- companion auto discounts, lay-up credit discounts, online quote discounts, and more.


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Final Thoughts: Is AAA or Trumbull Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. But, at the end of the day, which carrier is the right company for you, your vehicle, and your wallet?

Trumbull might be best for you if....

  • You want to save money on your insurance after a collision.
  • You want basic auto insurance coverage at the state minimum limits.
  • Your neighborhood is in a rural area.


AAA might be best for you if...

  • You care about discounts (Aaa offers the most).

We hope this guide helps you get a good idea of the differences between AAA and Trumbull. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just AAA and Trumbull. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.


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AAA vs. Trumbull FAQs

Is AAA or Trumbull cheaper?

Looking just at the national average prices, Trumbull is the cheaper of the two companies, offering average rates of $253 a month compared to $314 for AAA. But Trumbull won't necessarily be the lowest company for every policyholder, since there are a range of different variables that come into play when it comes to your car insurance bill.

Who is better, AAA or Trumbull?

Unfortunately, the answer truly is "it depends.". No one carrier is necessarily "better" for each driver -- it all depends on the makeup of your unique insurance profile. For example, Trumbull offers less expensive rates for drivers with a recent DUI, while AAA is more affordable for drivers with excellent credit.

Why do AAA and Trumbull offer me different rates?

Auto insurance carriers take a look at a lot of different factors when calculating the premiums they charge drivers. Things such as age, where you park your vehicle, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Trumbull calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if AAA or Trumbull is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be AAA or Trumbull at all!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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