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

Quick Facts

• Looking at the national averages for auto insurance, Trumbull offers cheaper prices than Esurance
• Esurance offers more discounts than Trumbull Insurance Company
• Trumbull tends to be a much less expensive option for residents of rural areas

Esurance 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 large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Esurance or Trumbull for your next policy, but between the two, which carrier will save you the most?

Looking at the national average rates for both companies, Esurance is about $46 more per month than Trumbull.

However, Trumbull may not be the cheapest or best option for each driver out there. Car insurance carriers vary their rates depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a variety of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

Wanting to know if Esurance 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.

Esurance or Trumbull: Average Car Insurance Rates by State

Esurance and Trumbull only compete against each other in Arizona, where Esurance offers the cheaper average rates. For Arizona residents, Esurance offers auto insurance for $192 per month on average. Trumbull's average premiums come out to be over 30% more expensive, at $253 a month.

There are plenty of other factors that go into your insurance cost than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group on the road. That's generally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have Trumbull for their car insurance pay more than $100 less than those who use Esurance. It's worth noting that Esurance offers auto insurance in 11 different states compared to Trumbull's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both companies will offer you dramatically lower prices once you turn 25. Trumbull offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Esurance still has the most affordable premiums at $233 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest car 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 insurance.

So, which carrier offers the best rates to retired drivers? Trumbull gets the edge, with prices for drivers 65 and older $70 more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually less expensive for married policyholders than they are for those who are single? That's because policies for married couples normally cover several cars, which many carriers will offer you a discount for.

When it comes to relationship status, Trumbull is the clear winner for single policyholders, with rates around $57 a month more affordable than Esurance, on average. The advantage is also clear for married drivers - Trumbull offers the most affordable average premiums.

Esurance vs. Trumbull: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they are more likely to file a claim with insurance. Therefore, insurance companies will tend to offer men more expensive prices.

Normally, women see rates about 7% per month less with Esurance, while with Trumbull, the difference is closer to 9% a month.

Looking at overall affordability, Trumbull offers the lowest average prices for both men and women, with average rates 14% less for men and 16% cheaper for women.

Esurance 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.

Insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

That being said, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum limits for liability insurance, Trumbull typically offers significantly cheaper premiums of $126 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Trumbull again has the edge, with policies around $15 per month less expensive than Esurance, on average.

Is Esurance or Trumbull Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 Esurance or Trumbull more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Esurance policyholders can expect their prices to go up an average of $45 a month if they get a ticket, while Trumbull generally raises premiums about $55 per month, on average.

But Trumbull has cheaper prices for drivers in both categories, offering premiums that are 21% and 14% more affordable, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

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

Overall, Trumbull offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $290 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. Trumbull drivers usually see a 32% climb in their insurance rates after a DUI charge, while Esurance will normally increase premiums by about 20%.

Trumbull has the overall most affordable rates for drivers with a DUI on their records at $284 per month, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Esurance 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 (for example, Michigan and California are two states that ban the practice entirely), but it does affect several policyholders out there.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will typically be forced to pay more.

So, which company offers the lowest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Trumbull. Drivers with "excellent" credit can save just under 15% compared to Esurance, and those with "good" scores can also expect to see savings -- around $56 or 21% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Trumbull typically offers lower prices than Esurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $47 a month less with Trumbull compared to Esurance, and those with "poor" scores generally save an average of around $63 monthly.

Is Esurance 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 car insurance bill. Typically, those who drive less will end up with cheaper rates since there's less of a chance of getting into a collision and causing an insurance claim.

Trumbull tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure. Trumbull's average premiums for drivers with 6,000 annual miles come in nearly 20% cheaper than Esurance. Those who drive 12,000 miles annually can expect to pay over 10% less with Trumbull over Esurance.

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

Where you park your vehicle can have a large impact on your monthly insurance payment. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

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

Policyholders in rural ZIP codes see the most affordable premiums from both carriers, but Trumbull comes out on top with average prices about $202 a month. Trumbull also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a $70 and $56 per month respective difference when compared to Esurance policyholders in similar areas.

Esurance vs. Trumbull Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto 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 can take advantage of.

In the section below, we've compared all of the different discounts offered by Esurance and Trumbull so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Esurance knocks Trumbull out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Trumbull's 17.

Both companies offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and online quote discounts -- but Esurance also offers ABS discounts, agency transfer discounts, DRL discounts, and more that Trumbull does not.

On the flip side, Trumbull has a couple unique discounts of its own -- companion auto discounts, distant student discounts, discounts for getting driver training, and more.

Final Thoughts: Is Esurance or Trumbull Best for You?

So, you've seen how different variables can affect your insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Esurance or Trumbull the right one for you, your vehicle, and your wallet?

Trumbull might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You live in an urban area.
• You drive often but have a short commute.

Esurance might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Esurance and Trumbull and that you can now make a more informed decision when it comes to your auto insurance.

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

Esurance vs. Trumbull FAQs

Is Esurance or Trumbull cheaper?

Looking just at the national average prices, Trumbull is the cheaper of the two carriers, offering average rates of $253 a month compared to $299 for Esurance. That being said, Trumbull won't necessarily be the cheapest company for every policyholder, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Esurance or Trumbull?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for each driver -- it all comes down to what your unique insurance profile looks like.

Why do Esurance and Trumbull offer me different rates?

Auto insurance companies take a look at quite a few different variables when determining the premiums they charge drivers. Factors like age, your driving record, where your home is, gender, and sometimes even things like your credit score can all be used. Both Esurance and Trumbull use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance carrier 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 information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Esurance 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.