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

Quick Facts

• Based on national averages for insurance, Allstate offers significantly more affordable rates than Trumbull
• Allstate offers more affordable premiums for people who are single and purchasing auto insurance by yourself
• Trumbull offers more affordable rates for residents in Arizona

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

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

You might have narrowed your search down to Allstate or Trumbull, but between the two, which carrier will save you the most?

As you can see, Trumbull has average rates that are about 21% per month more expensive than those from Allstate when looking at the national average rates for insurance.

But Allstate may not be the lowest or best option for each driver out there. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both Allstate and Trumbull by a variety of different rate factors, so read on to find out which carrier is the best for you.

Allstate or Trumbull: Average Car Insurance Rates by State

Allstate and Trumbull only compete against each other in Arizona, where Allstate offers the cheaper average prices. For Arizona residents, Allstate offers auto insurance for $203 monthly on average. Trumbull's average rates come out to be over 20% more expensive, at $253 per month.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Allstate save more than $150 a month compared to those who use Trumbull. It's worth noting that Allstate offers auto insurance in 47 different states compared to Trumbull's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your prices reduce significantly by the time drivers turn 25. Trumbull offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Allstate still has the most affordable premiums at $167 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

So, which company offers the best premiums to retired drivers? Allstate gets the slight edge here, with average prices coming in at around $152 per month compared to Trumbull's $162.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are normally cheaper for married couples than they are for single policyholders? This usually boils down to married policyholders having several cars on their policy -- something lots of insurance carriers will reward with discounts.

When it comes to relationship status, Allstate is the clear winner for those who are single, with premiums about $73 per month less expensive than Trumbull, on average. The advantage for married drivers with Allstate is also obvious, where drivers save over 15% a month.

Allstate vs. Trumbull: Average Rates by Gender

Women typically to pay less for auto insurance than men. This is because women are less likely to get speeding tickets and get into collisions, which decreases the chances of an insurance claim.

With Allstate, women normally pay nearly $10 per month less than men, and around $24 less with Trumbull.

When it comes to the most affordable rates for each gender, Allstate offers the cheapest average premiums for both men and women, with average prices 23% less for men and 20% cheaper for women.

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

*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.

For most people, insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

Even so, 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 includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Allstate usually offers more affordable rates of $108 compared to Trumbull's $126. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $90 a month less expensive than Trumbull, on average.

Is Allstate 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 accidents on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 per month if they get a ticket, while Trumbull generally raises premiums around $55 a month, on average.

But Allstate tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering prices that are $36 and $64 cheaper, respectively, compared to Trumbull Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allstate can expect to see about an $73 -- or around 32% -- increase in their insurance rates. Drivers who use Trumbull for their auto insurance will see a monthly bill about $98 (or 34%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use Allstate end up with the cheaper prices after an accident, with monthly premiums averaging $229 compared to Trumbull Insurance Company's $290.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. For example, Trumbull increases average rates by over $90 per month -- that's over a 30% increase.

Allstate has the overall cheapest prices for drivers with a DUI on their records at $227 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Trumbull Rates?

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

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

Looking specifically at Allstate and Trumbull, which one has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Allstate. Policyholders with "excellent" credit can save more than 20% compared to Trumbull, and those with "good" scores can also expect to see savings -- around $38 or 18% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower rates than Trumbull when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $55 a month less with Allstate compared to Trumbull, and those with "poor" scores usually save an average of around $86 a month.

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

How much you drive can have a sizable impact on your monthly auto insurance cost. Generally, those who drive fewer miles will end up with cheaper prices since there's less of a chance of getting into an accident and causing an insurance claim.

Allstate tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Allstate's average premiums for drivers with 6,000 annual miles come in about 19% cheaper than Trumbull. Those who drive 12,000 miles every year can expect to pay around 24% less with Allstate over Trumbull.

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

Where you call home can play a considerable role in how much you pay for car insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads in those areas.

Allstate tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both carriers, but Allstate comes out on top with average premiums about $174 monthly. Allstate also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $104 and $33 per month respective difference when compared to Trumbull drivers in similar areas.

Allstate vs. Trumbull Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Below, we've compared all of the different discounts offered by Allstate and Trumbull so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Allstate blows Trumbull away when it comes to the sheer amount of discounts available, offering 40 different discounts to Trumbull's 17.

Both companies offer a lot of the same discounts -- like anti-theft discounts, distant student discounts, discounts for getting driver training, and multi-policy discounts -- but Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Trumbull does not.

On the flip side, Trumbull has a couple unique discounts of its own -- companion auto discounts, employee discounts, hybrid vehicle discounts, and more.

Final Thoughts: Is Allstate or Trumbull Best for You?

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best one for you and your specific needs?

Allstate might be best for you if....

• You have a clean record.
• You want basic auto insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Trumbull might be best for you if...

• You're looking for the best rates in AZ.

We hope this guide helps you get a better idea of the difference between Allstate and Trumbull and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Allstate and Trumbull. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Allstate vs. Trumbull FAQs

Is Allstate or Trumbull cheaper?

Looking just at the national average premiums, Allstate is the cheaper of the two carriers, offering average rates of $199 a month compared to $253 for Trumbull. That being said, Allstate won't necessarily be the most affordable carrier for each policyholder, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Trumbull?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for every driver -- it all comes down to what your unique car insurance profile looks like.

Why do Allstate and Trumbull offer me different rates?

Auto insurance companies take a look at a lot of different factors when calculating the prices they charge policyholders. Things such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all come into play. Both Allstate and Trumbull calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Allstate 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.