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

Quick Facts

• Looking at the national averages for insurance, Farmers offers more affordable rates than Trumbull
• Farmers tends to be a much cheaper option for drivers who have below-average credit
• Trumbull has less expensive prices in AZ

Farmers or Trumbull: 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 might have narrowed it down to Farmers or Trumbull, but which one has more affordable premiums for auto insurance?

As you can see, Trumbull has average rates that are around 20% a month more expensive than those from Farmers when looking at the national average rates for car insurance.

Even so, that doesn't mean Farmers will necessarily be cheaper than Trumbull for each driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things), so rates could change drastically from person to person.

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

Farmers vs. Trumbull: Average Car Insurance Rates by State

Farmers and Trumbull only compete against each other in Arizona, where Farmers offers the cheaper average rates. Farmers drivers tend to pay about $34 per month less on average compared to drivers who use Trumbull for their car insurance.

That being said, there's a lot more that goes into your auto insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. That's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Farmers for their auto insurance pay over 10% less than those who use Trumbull. It's worth noting that Farmers offers insurance in 25 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

But with both companies, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Farmers policyholders lower more than 70% and Trumbull's prices reduce almost 60% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Farmers gets the edge here, with average premiums coming in at about $143 a month compared to Trumbull's $162.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for those who are single than they are for married drivers. That's normally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Farmers prices coming in at a quarter less than Trumbull's. The advantage for married policyholders with Farmers is also obvious, where drivers save around $35 a month.

Farmers or Trumbull: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will generally end up paying a little more.

Women normally pay about 3% per month less than men with Farmers, and around 9% less with Trumbull.

Looking at the data for each carrier specifically, Farmers offers the most affordable average rates for both men and women, with average premiums $58 less for men and $41 cheaper for women.

Farmers vs. 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 isn't the easiest topic to understand. There are a bunch of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Farmers has the slight edge, with average monthly prices coming in at $126. If you want a full coverage policy with the same state minimum limits, Farmers again has the edge, with policies averaging about $281 a month to Trumbull's $381.

Is Farmers or Trumbull Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and speeding tickets lead to higher premiums, but which company -- Farmers or Trumbull -- has the cheapest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Farmers for their insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of about 22%.

That being said, Farmers tends to offer the best prices for drivers both with a ticket and with a clean record. With Farmers Insurance, drivers with a clean record can save around $30 per month and drivers with a speeding ticket can save about $41 a month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Farmers can expect to see around an $62 -- or about 28% -- rise in their auto insurance premiums. Drivers who use Trumbull for their insurance will see a monthly bill around $98 (or 34%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, Farmers offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $224 compared to Trumbull Insurance Company's $290.

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 -- typically a lot more than a collision or ticket. For example, Trumbull increases average rates by more than $90 per month -- that's more than a 30% increase.

Farmers has the overall most affordable prices for drivers with a DUI on their records at $221 per month, but it's worth noting that Farmers's average rates come from 25 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Farmers and Trumbull Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect many drivers out there.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Farmers and Trumbull specifically, which company has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Farmers will generally reward you the most. For drivers with "excellent" credit scores, Farmers comes in over 11.35 less expensive. Drivers with "good" credit scores normally save about 12% with Farmers compared to average rates from Trumbull.

Which Company is Best for Drivers with Bad Credit?

Farmers typically offers lower prices than Trumbull when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 19% a month less with Farmers compared to Trumbull, and those with "poor" scores typically save an average of about 29% monthly.

Is Farmers or Trumbull 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 considerable impact on how much auto insurance carriers will charge for coverage? That's because the more milage you put on your vehicle each year, the more 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 Farmers charges. However, there's a small difference in monthly rates for Trumbull, with policyholders who drive 6,000 miles every year paying around $20 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Farmers is the cheaper company.

Farmers or 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 insurance, but the type of area you live in can have a pretty big impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Farmers typically comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 16% with Farmers compared to Trumbull. People who live in suburban areas pay around 19% less with Farmers compared to Trumbull. For policyholders in urban ZIP codes, Farmers Insurance's average premiums are about 23% less than Trumbull Insurance Company.

Farmers vs. Trumbull Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Farmers and Trumbull so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Farmers blows Trumbull away when it comes to the sheer amount of discounts available, offering 11 more discounts than Trumbull.

There are a couple discounts both carriers offer, but Farmers also offers discounts for ABS, alternative fuel, EFT, and more.

On the other hand, Trumbull has a few proprietary discounts of their own for things like companion auto discounts, employee discounts, hybrid vehicle discounts, and more.

Final Thoughts: Is Farmers or Trumbull Best for You?

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

Farmers might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing car insurance for a teenager.

Trumbull might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Farmers and Trumbull. We also hope we've given you the information you need to make the best 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 car insurance -- comparing quotes from several companies, not just Farmers and Trumbull. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Farmers vs. Trumbull FAQs

Is Farmers or Trumbull cheaper?

Farmers is the more affordable of the two companies when looking at national average rates, with policies averaging $203 per month with Farmers and $253 for Trumbull. But that doesn't mean Farmers will be the cheapest company for every driver, since there are many different factors that come into play when it comes to your insurance bill.

Who is better, Farmers or Trumbull?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Farmers and Trumbull offer me different rates?

Auto insurance carriers use lots of different variables when determining the premiums they charge. Things such as age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Farmers and Trumbull use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple 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 area information and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Farmers or Trumbull 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.