Auto-owners vs. Trumbull: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Auto-owners offers significantly less expensive premiums than Trumbull
• Auto-owners has more affordable prices for couples purchasing auto insurance together
• Trumbull offers more affordable premiums for residents in Arizona

Auto-owners vs. Trumbull: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Auto-owners or Trumbull as your top options, but between the two, which one will save you the most?

Looking at the national average rates for both companies, Trumbull is quite a bit more expensive than Auto-owners, with rates averaging $253 per month compared to just $179 with Auto-owners.

However, that doesn't necessarily mean Auto-owners will be the cheaper option for each driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

Auto-owners or Trumbull: Average Car Insurance Rates by State

Auto-owners and Trumbull only compete against each other in Arizona, where Auto-owners offers the cheaper average rates. For Arizona residents, Auto-owners offers car insurance for $198 a month on average. Trumbull's average premiums come out to be over 20% more expensive, at $253 monthly.

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

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Auto-owners save more than $200 a month compared to those who use Trumbull. It's worth noting that Auto-owners offers insurance in 23 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both companies will drop rates 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, Auto-owners still has the lowest premiums at $164 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable auto insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best rates for retired drivers between Auto-owners and Trumbull? Auto-owners gets the edge, with prices for drivers 65 and older $29 less expensive than the national average for Trumbull.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more expensive for those who are single than they are for married couples? That's typically because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Auto-owners is the clear winner for single policyholders, with rates about $93 per month more affordable than Trumbull, on average. The advantage for married drivers with Auto-owners is also obvious, where drivers save over 25% a month.

Auto-owners vs. Trumbull: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

On average, women see premiums more than $10 per month cheaper with Auto-owners, and nearly $25 with Trumbull.

Looking at overall affordability, Auto-owners comes out as the cheapest option for both genders, with average prices 30% less for men and 28% cheaper for women.

Auto-owners 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, car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Auto-owners generally offers more affordable rates of $99 compared to Trumbull's $126. When it comes to full coverage policies with similar limits, Auto-owners again has the edge, with policies around $100 a month less expensive than Trumbull, on average.

Is Auto-owners or Trumbull Better for Drivers with Spotty Records?

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

It's no secret secret that tickets and accidents lead to higher prices, but which carrier -- Auto-owners or Trumbull -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Auto-owners policyholders can expect their premiums to go up an average of $44 per month if they get a ticket, while Trumbull typically raises prices about $55 a month, on average.

Even so, Auto-owners tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $71 per month and drivers with a ticket can save about $82 a month with Auto-Owners Insurance.

Which Company is Best for Drivers After an Accident?

Auto-owners drivers who get in a collision can expect to see their rates climb by just under 30%, while those who have insurance through Trumbull will see around a 35% increase.

Overall, Auto-owners offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $168 compared to Trumbull Insurance Company's $290.

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 speeding ticket or even an accident. For example, Auto-owners increases average premiums by just under $150 per month -- that's just under a 55% increase.

Auto-owners has the overall cheapest rates for drivers with a DUI on their records at $264 monthly, but it's worth noting that Auto-owners's average rates come from 23 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Auto-owners and Trumbull Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect lots of policyholders out there.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the most affordable rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Auto-owners. Drivers with "excellent" credit can save nearly 50% compared to Trumbull, and those with "good" scores can also expect to see savings -- about $81 or 39% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Auto-owners typically offers lower premiums than Trumbull when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $82 a month less with Auto-owners compared to Trumbull, and those with "poor" scores generally save an average of about $44 per month.

Is Auto-owners or Trumbull Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Auto-owners tends to be the less expensive option. Auto-owners's average rates for drivers with 6,000 annual miles come in over 25% cheaper than Trumbull. Those who drive 12,000 miles yearly can expect to pay more than 30% less with Auto-owners over Trumbull.

Auto-owners vs. Trumbull: 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 car insurance, but the type of area you live in can have a large 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 in those areas.

Auto-owners tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Auto-owners offers premiums around $205 a month compared to Trumbull's $326. People who live in suburban ZIP codes can expect to pay about $169 per month for Auto-owners and $232 for Trumbull. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly premiums coming in at $164 and $202 for Auto-owners and Trumbull respectively.

Auto-owners vs. Trumbull Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and 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 difficult to find all the of the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Auto-owners and Trumbull so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Auto-owners knocks Trumbull out of the park when it comes to the sheer number of discounts available, offering seven more discounts than Trumbull.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts. Auto-owners also offers ABS discounts, company car 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, employee discounts, hybrid vehicle discounts, and more.

Final Thoughts: Is Auto-owners or Trumbull Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, is Auto-owners or Trumbull the right fit for you?

Auto-owners might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for discounts -- Auto-owners has the most.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Trumbull might be best for you if...

• You live in one of the following states: Arizona.

We hope this guide helps you get a good idea of the differences between Auto-owners and Trumbull and that it aids in making a more informed decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple carriers, not just Auto-owners and Trumbull. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Auto-owners vs. Trumbull FAQs

Is Auto-owners or Trumbull cheaper?

Looking just at the national average rates, Auto-owners is the more affordable of the two carriers, offering average rates of $179 a month compared to $253 for Trumbull. However, Auto-owners won't necessarily be the lowest carrier for each driver, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Auto-owners or Trumbull?

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

Why do Auto-owners and Trumbull offer me different rates?

Car insurance companies take a look at several different factors when determining the premiums they charge drivers. Variables such as your driving record, age, where you live, gender, and sometimes even things like your credit score can all be taken into consideration. Both Auto-owners and Trumbull calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Auto-owners 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 Compare.com make 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 carriers in your area. That way, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Auto-owners 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.