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

Wondering if Accc or Trumbull is the best auto insurance carrier for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Accc offers significantly cheaper prices than Trumbull
  • Accc offers less expensive average premiums for policyholders whose driving record contains an at-fault collision
  • Trumbull may help you save more money -- they offer more discounts than ACCC Insurance Company

Accc or Trumbull: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Accc or Trumbull as potential options, but between the two, which company has more affordable rates for car insurance?

Accc Trumbull

Looking at nationwide averages, Accc is quite a bit cheaper than Trumbull, with premiums averaging $149 a month compared to $253 with Trumbull.

That being said, that doesn't mean Accc will necessarily be cheaper than Trumbull for every driver. Auto insurance carriers vary their prices depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a variety of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Accc or Trumbull is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

Accc vs. Trumbull: Average Car Insurance Rates by State

State Accc Trumbull

Accc and Trumbull only compete against each other in Arizona, where Accc offers the cheaper average prices. Accc drivers tend to pay about $113 per month less on average compared to drivers who use Trumbull for their insurance.

But there's more to calculating auto insurance rates than just the state you live in. Read on to find out more.

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Which is the Best Company For Young Drivers?

Accc Trumbull
18-year-old drivers$278$600
25-year-old drivers$152$248

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high insurance premiums. Just look at the table above -- where 18-year-old drivers who have Accc for their car insurance pay over 55% less than those who use Trumbull.

However, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for Accc policyholders reduce more than 45% and Trumbull's prices drop almost 60% over that time.

Which is the Best Company for Retired Drivers?

Accc Trumbull
65+-year-old drivers$112$162

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

But who has the best premiums for retired drivers between Accc and Trumbull? Accc gets the edge, with prices for drivers 65 and older $50 more affordable than the national average for Trumbull.

Which is the Best Company for Married Drivers?

Accc Trumbull

Those who are single tend to get offered slightly more expensive auto insurance premiums than married policyholders. This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few car insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with Accc prices coming in at around half of Trumbull's. The advantage for married couples with Accc is also obvious, where drivers save about $60 a month.

Accc or Trumbull: Average Rates by Gender

Accc Trumbull

Men tend to pay more for auto insurance than women. This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher rates.

With Accc, women usually pay around 2% per month less than men, and nearly 10% less with Trumbull when compared to their male counterparts.

When it comes to the lowest prices for each gender, Accc comes out on top for both men and women. On average, male drivers save about $115 a month and women save about $94 with Accc compared to the average Trumbull policyholder.

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Accc vs. Trumbull: Compare State Minimum vs. Full Coverage Rates

Accc Trumbull
State Minimum*$95$126
Full Coverage**$202$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.

Insurance isn't the easiest topic to understand. There are multiple different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Accc has the edge, with average monthly premiums coming in at $95. If you want a full coverage policy with the same state minimum limits, Accc again has the edge, with policies averaging around $202 per month to Trumbull's $381.

Is Accc or Trumbull Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your rates, but is Accc or Trumbull less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Trumbull
Clean Record$126$192
1 Speeding Ticket$148$247

Policyholders who use Accc for their insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of around 22%.

But Accc is normally the cheaper option for both drivers who have a recent ticket and those with clean records -- their rates are around 34% less expensive for drivers with clean records and 40% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Accc Trumbull
Clean Record$126$192
1 At-Fault Accident$181$290

After an accident, drivers who have their auto insurance through Accc can expect to see about an $55 -- or around 30% -- rise in their insurance premiums. 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 auto insurance carrier.

At the end of the day, the less expensive prices come from Accc, with average rates coming in at $181 compared to Trumbull Insurance Company's $290.

Which Company is Best for Drivers with a DUI?

Accc Trumbull
Clean Record$126$192
1 DUI$140$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. Trumbull drivers usually see a 32% climb in their insurance prices after a DUI charge, while Accc will generally increase premiums by around 10%.

But if you end up with a DUI charge and are looking for more affordable prices, Accc tends to be cheaper for the average driver, with monthly premiums coming in at about $140 to Trumbull's $284.

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How does Credit Score Impact Accc and Trumbull Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect several drivers out there.

The reasoning auto insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

Looking specifically at Accc and Trumbull, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Accc Trumbull
Excellent Credit Score$106$185
Good Credit Score$125$210

If you have solid credit, Accc will generally reward you the most. For policyholders with "excellent" credit scores, Accc comes in nearly 42.7 cheaper. Drivers with "good" credit scores normally save around 40% with Accc compared to average rates from Trumbull.

Which Company is Best for Drivers with Bad Credit?

Accc Trumbull
Fair Credit Score$153$258
Poor Credit Score$211$361

Accc typically offers lower prices than Trumbull when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 41% a month less with Accc compared to Trumbull, and those with "poor" scores typically save an average of around 42% per month.

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

Accc Trumbull
6,000 Annual Miles$149$243
12,000 Annual Miles$149$263

How much you drive can have a sizable impact on your monthly car insurance payment. Normally, those who drive less will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Accc charges. However, there's a small difference in monthly rates for Trumbull, with policyholders who drive the least paying about $20 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Accc is the more affordable company.

Accc or Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly auto insurance bill. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

Accc Trumbull
Urban Areas$173$326
Suburban Areas$143$232
Rural Areas$130$202

When comparing these two companies side-by-side, Accc usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $72 with Accc compared to Trumbull. People who live in suburban areas pay about $89 less with Accc compared to Trumbull. For drivers in urban ZIP codes, ACCC Insurance Company's average premiums are around $153 less than Trumbull Insurance Company.

Accc vs. Trumbull Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Accc and Trumbull so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Accc Trumbull
Advance Quote Discount 
Anti-Theft Discount
Claim Free Discount 
Companion Auto Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
Driver Training Discount 
EFT Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Lay-Up Credit Discount 
Liability Only Discount 
Mature Driver Discount 
Multi-Policy Discount 
New Vehicle Discount 
Non-Owner Discount 

Trumbull knocks Accc out of the park when it comes to the sheer number of discounts available, offering six more discounts than Accc.

There are a couple discounts both carriers offer, but Trumbull also offers discounts for advance quote, companion auto, defensive driver, and more.

On the other hand, Accc has a few proprietary discounts of their own for things like claim free discounts, diminution of value discounts, EFT discounts, and more.

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Final Thoughts: Is Accc or Trumbull Best for You?

So, we've broken down the average prices for many of the variables car insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best fit for you?

Accc might be best for you if....

  • You have a clean driving record, free of accidents, tickets, or DUIs.
  • You live in an suburban area.
  • You've started working from home and don't have much of a commute.

Trumbull might be best for you if...

  • You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Accc 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 carriers, not just Accc and Trumbull. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

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Accc vs. Trumbull FAQs

Is Accc or Trumbull cheaper?

Accc is the cheaper of the two carriers when looking at national average premiums, with policies averaging $149 per month with Accc and $253 for Trumbull. However, that doesn't mean Accc will be the cheapest carrier for everyone, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Accc or Trumbull?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Accc and Trumbull offer me different rates?

Car insurance companies use many different variables when determining the rates they charge. Factors like gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be used. Both Accc and Trumbull calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Accc or Trumbull at all, but another you hadn't even thought of!


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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