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

Quick Facts

• In general, Buckeye offers slightly cheaper premiums than Trustgard Auto
• Buckeye tends to be a much more affordable option for people who are single and purchasing auto insurance by yourself
• Trustgard Auto offers more discounts than Buckeye Insurance Group

Buckeye vs. Trustgard Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Buckeye or Trustgard Auto as potential options, but between the two, which company will offer you less expensive rates?

Looking at the national average rates for both companies, Buckeye is about $5 per month more affordable than Trustgard Auto.

However, that doesn't mean Buckeye will necessarily be cheaper than Trustgard Auto for every driver. Insurance carriers use tons of complex algorithms to calculate prices, so depending on how good your credit score is or how old you are (among a whole bunch of other factors), you could see wildly different rates from the ones above.

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

Buckeye or Trustgard Auto: Average Car Insurance Rates by State

Buckeye and Trustgard Auto only compete against each other in one states, with Trustgard Auto offering less expensive rates to the average driver in all of them. Indiana has the most noticable difference, where Trustgard Auto premiums are over 15% cheaper than car insurance prices at Buckeye.

There are plenty of other factors that go into your auto insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Buckeye save nearly $90 a month compared to those who use Trustgard Auto.

But with both companies, you'll see your prices reduce significantly by the time drivers turn 25. Trustgard Auto offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Buckeye's average rates lower almost 60% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Buckeye and Trustgard Auto? Trustgard Auto gets the slight edge, with rates for drivers 65 and older nearly 10% more affordable than the national average for Buckeye.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be cheaper for married drivers than they are for single policyholders. This usually boils down to married policyholders having multiple cars on their policy -- something lots of auto insurance carriers will reward with discounts.

When it comes to relationship status, Buckeye is the clear winner for single drivers, with premiums around $20 per month more affordable than Trustgard Auto, on average. The advantage for married couples with Trustgard Auto is also obvious, where drivers save about $15 a month.

Buckeye vs. Trustgard Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for insurance than women.

With Buckeye, men usually pay more than 10% more per month than women., while with Trustgard Auto, the difference is closer to 6% a month.

Looking at overall affordability, Buckeye offers the lowest average prices for both men and women, with average rates 1% less for men and 6% cheaper for women.

Buckeye or 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 car insurance can be a complicated subject for most people. There are a range of different coverages that account for several 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.

The two most common policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Buckeye typically offers slightly less expensive prices of $73 compared to Trustgard Auto's $79. When it comes to full coverage policies with similar limits, Buckeye again has the edge, with policies around $5 per month cheaper than Trustgard Auto, on average.

Is Buckeye or Trustgard Auto 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.

Accidents and tickets will most likely raise your rates, but is Buckeye or Trustgard Auto more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Buckeye policyholders can expect their premiums to go up an average of $6 a month if they get a ticket, while Trustgard Auto generally raises rates about $50 per month, on average.

Even so, Buckeye has less expensive prices for drivers in both categories, offering premiums that are 17% and 41% cheaper, respectively, compared to Trustgard Auto Insurance.

Which Company is Best for Drivers After an Accident?

Buckeye drivers who get in a collision can expect to see their prices climb by over 15%, while those who have insurance through Trustgard Auto will see around a 25% increase.

Overall, the more affordable rates come from Buckeye, with monthly premiums averaging $98 compared to Trustgard Auto Insurance's $133.

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 speeding ticket when it comes to your car insurance bill. Buckeye drivers usually see a 69% climb in their auto insurance prices after a DUI charge, while Trustgard Auto will usually increase premiums by about 43%.

If you have a DUI on your record and are looking for more affordable rates, Trustgard Auto tends to be the much less expensive option with average prices of $171 monthly compared to $263 from Buckeye.

How does Credit Score Impact Buckeye and Trustgard Auto Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for many policyholders.

Insurance carriers 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 carrier offers the most affordable premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on your monthly rates. That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Buckeye or Trustgard Auto report increasing premiums for drivers with higher annual mileage figures. Buckeye comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $132 a month for both.

Buckeye vs. Trustgard Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly auto insurance payment. Normally, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

When comparing these two companies side-by-side, Buckeye tends to offer the most affordable option for drivers in rural and urban areas, while Trustgard Auto wins in suburban areas.

Those in rural areas can expect to pay around $107 per month with Buckeye and $134 with Trustgard Auto. Drivers in suburban ZIP codes pay a monthly premium of about $132 with Trustgard Auto compared to $159 with Buckeye. For drivers in urban ZIP codes, Buckeye's average premiums are around $131 while Trustgard Auto offers prices about $147.

Buckeye vs. Trustgard Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

In the table below, we've taken a look at all of the different discounts Buckeye and Trustgard Auto offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Trustgard Auto knocks Buckeye out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Buckeye.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, and renewal discounts. Trustgard Auto also offers advance quote discounts, advanced safety feature discounts, company car discounts, and more that Buckeye does not.

On the flip side, Buckeye has a couple unique discounts of its own -- discounts for being a good driver, multi-policy discounts, and paid in full discounts.

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

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance carrier is the right carrier for you, your vehicle, and your wallet?

Buckeye might be best for you if....

• You're single and purchasing insurance by yourself.
• You want basic auto insurance coverage at the state minimum limits.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Trustgard Auto might be best for you if...

• You have a DUI charge on your record.
• Your home is located in the suburbs.
• You're married and plan to have both of your names on the vehicle's insurance policy.

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

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Buckeye and Trustgard Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Buckeye vs. Trustgard Auto FAQs

Is Buckeye or Trustgard Auto cheaper?

Looking just at the national average rates, Buckeye is the more affordable of the two companies, offering average rates of $132 per month compared to $137 for Trustgard Auto. That being said, Buckeye won't necessarily be the cheapest company for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Buckeye or Trustgard Auto?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Trustgard Auto offers cheaper premiums for drivers with a recent DUI, while Buckeye is less expensive for drivers with excellent credit.

Why do Buckeye and Trustgard Auto offer me different rates?

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

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Buckeye or Trustgard Auto 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.