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

Quick Facts

• Looking at the national averages for auto insurance, Trustgard Auto offers significantly cheaper premiums than Allstate
• Allstate may help you save more money -- they offer more discounts than Trustgard Auto Insurance
• Trustgard Auto has less expensive rates in IL, IN, and TN

Allstate or Trustgard Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Allstate or Trustgard Auto for your next policy, but between the two, which carrier has more affordable premiums for car insurance?

Looking at the national average rates for both carriers, Trustgard Auto has average rates that are around 30% a month cheaper than those from Allstate.

However, that doesn't mean Trustgard Auto will necessarily be less expensive than Allstate for every driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, your age, your credit score, or even where you call home (among other things), so rates will differ quite a bit from person to person.

Wanting to know if Allstate or Trustgard Auto 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.

Allstate vs. Trustgard Auto: Average Car Insurance Rates by State

Allstate and Trustgard Auto only compete against each other in three states, with Trustgard Auto offering more affordable premiums to the average driver in all of them. Tennessee has the most noticable difference, where Trustgard Auto prices are $54 less expensive than car insurance rates at Allstate.

There's a lot more that goes into your insurance cost than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Trustgard Auto save over 20% per month compared to those who use Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to Trustgard Auto's three, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your rates drop significantly by the time drivers turn 25. Trustgard Auto offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Allstate's average premiums lower almost 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise rates.

When looking at Allstate and Trustgard Auto specifically, which company is best for retired drivers? Trustgard Auto gets the edge, with prices for drivers 65 and older more than 35% more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be cheaper for married policyholders than they are for single drivers. That's because policies for married couples typically cover more than one vehicle, which several companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Trustgard Auto rates coming in at a quarter less than Allstate's. The advantage for married drivers with Trustgard Auto is also obvious, where drivers save nearly 40% a month.

Allstate or Trustgard Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll normally end up paying more for car insurance than women.

Typically, women see premiums about $10 per month less expensive with Allstate, and around $9 less with Trustgard Auto.

When it comes to the cheapest rates for each gender, Trustgard Auto offers the lowest average prices for both men and women, with average premiums 30% less for men and 31% cheaper for women.

Allstate vs. Trustgard Auto: 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.

It's no secret that insurance can be pretty complicated. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Trustgard Auto has the significant edge, with average monthly rates coming in at $79. If you want a full coverage policy with the same state minimum limits, Trustgard Auto again has the edge, with policies averaging about $196 a month to Allstate's $289.

Is Allstate or Trustgard Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two companies offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their insurance can usually expect their monthly bill to go up around 15% after getting a speeding ticket. Trustgard Auto policyholders can expect a bit more drastic of an increase of about 34%.

Even so, Trustgard Auto has more affordable premiums for drivers in both categories -- their rates are around 37% cheaper for drivers with clean records and 19% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their prices increase by over 30%, while those who have insurance through Trustgard Auto will see around a 25% increase.

At the end of the day, Trustgard Auto offers the most affordable premiums for drivers with an at-fault collision on their records, with average rates coming in at $133 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. For example, Trustgard Auto increases average prices by nearly $75 per month -- that's nearly a 45% increase.

Trustgard Auto has the overall lowest premiums for drivers with a DUI on their records at $171 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just three for Trustgard Auto, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Trustgard Auto Rates?

Often times, your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for a lot of policyholders.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

Looking specifically at Allstate and Trustgard Auto, which company has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Trustgard Auto will normally reward you the most. For drivers with "excellent" credit scores, Trustgard Auto comes in just under 22.76 cheaper. Drivers with "good" credit scores generally save about 26% with Trustgard Auto compared to average rates from Allstate.

Which Company is Best for Drivers with Bad Credit?

Trustgard Auto typically offers lower premiums than Allstate when it comes to drivers with bad credit. Drivers with "fair" credit pay around 31% a month less with Trustgard Auto compared to Allstate, and those with "poor" scores typically save an average of about 38% a month.

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

Did you know that the amount of time you spend in your car have a big impact on your monthly rates? That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trustgard Auto charges. However, there's a small difference in monthly prices for Allstate, with policyholders who drive 6,000 miles each year paying around $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Trustgard Auto is the more affordable carrier.

Allstate or Trustgard Auto: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a sizable impact as well. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads where they live.

Trustgard Auto boasts the most affordable average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Trustgard Auto Insurance's average prices are about 34% less than Allstate. People who live in suburban areas pay around 34% less with Trustgard Auto compared to Allstate. Those in rural areas can expect to save about 23% with Trustgard Auto compared to Allstate.

Allstate vs. Trustgard Auto 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 car insurance discounts comes into play.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allstate and Trustgard Auto so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Allstate blows Trustgard Auto away when it comes to the sheer amount of discounts available, offering 40 different discounts to Trustgard Auto's 16.

A couple of those are overlapping for things like COVID-19 relief discount, discounts for being a defensive driver, and life policy discounts. Allstate also offers discounts for ABS, agency transfer, alert driving, and more.

On the other hand, Trustgard Auto has a few proprietary discounts of their own for things like advanced safety feature discounts, company car discounts, education discounts, and more.

Final Thoughts: Is Allstate or Trustgard Auto Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Allstate or Trustgard Auto the best one for you and your specific driver profile?

Trustgard Auto might be best for you if....

• You want to save money on your car insurance after a collision.
• Your credit score is high.
• You live in a rural neighborhood.

Allstate might be best for you if...

• You value the experience that comes with a large national insurance company.
• You care about discounts (Allstate offers the most).

Hopefully, this guide helps you get a better idea of the difference between Allstate and Trustgard Auto and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just Allstate and Trustgard Auto. Luckily, Compare.com does 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. Trustgard Auto FAQs

Is Allstate or Trustgard Auto cheaper?

Trustgard Auto is the cheaper of the two carriers when looking at national average premiums, with policies averaging $137 per month with Trustgard Auto and $199 for Allstate. But that doesn't mean Trustgard Auto will be the cheapest carrier for each driver, since there are a bunch of different factors that come into play when it comes to your auto insurance payment.

Who is better, Allstate or Trustgard Auto?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Allstate and Trustgard Auto offer me different rates?

Auto insurance companies use lots of different variables when determining the rates they charge. Things such as age, where you live, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Trustgard Auto calculate prices differently, 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 lots of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies 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 quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Allstate or Trustgard Auto at all, but another you hadn't even thought of!

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.