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

Quick Facts

• In general, Trustgard Auto offers significantly cheaper premiums than Farmers
• Farmers offers more discounts than Trustgard Auto Insurance
• Trustgard Auto offers more affordable prices for drivers who have an at-fault accident on their record

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might be considering Farmers or Trustgard Auto as potential options, but between the two, which carrier will save you the most?

As you can see, Farmers has average rates that are about 35% per month more expensive than those from Trustgard Auto when looking at the national average rates for insurance.

However, that doesn't mean Trustgard Auto will necessarily be less expensive than Farmers for every driver. Auto insurance companies vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and a ton of other factors, so premiums could change drastically from person to person.

Wanting to know if Farmers 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.

Farmers or Trustgard Auto: Average Car Insurance Rates by State

Farmers 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. Illinois has the most noticable difference, where Trustgard Auto rates are over 40% cheaper than car insurance prices at Farmers.

There are plenty of other factors that go into your insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Trustgard Auto over Farmers. It's worth noting that Farmers offers auto insurance in 25 different states compared to Trustgard Auto's three, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Farmers policyholders lower almost $400 and Trustgard Auto's premiums reduce around $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest insurance prices out there. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase premiums.

So, which company offers the best prices to retired drivers? Trustgard Auto gets the edge, with rates for drivers 65 and older $47 more affordable than the national average for Farmers.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually less expensive for married couples than they are for single drivers? This usually boils down to married drivers having more than one car on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, Trustgard Auto is the clear winner for those who are single, with rates about $75 per month cheaper than Farmers, on average. For married policyholders, the advantage is clear again - Trustgard Auto has the edge when it comes to average premiums.

Farmers vs. Trustgard Auto: Average Rates by Gender

Because men are more likely to get tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, men tend to pay more for auto insurance than women.

Men normally pay around $7 a month more than women with Farmers, while with Trustgard Auto, the difference is closer to $9 per month.

Looking at overall affordability, Trustgard Auto comes out on top for both men and women, with average rates 31% less for men and 34% cheaper for women.

Farmers 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 several different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability limits, Trustgard Auto typically offers significantly more affordable prices of $79 compared to Farmers's $126. When it comes to full coverage policies with similar limits, Trustgard Auto again has the edge, with policies about $85 a month less expensive than Farmers, on average.

Is Farmers 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 auto 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 at-fault collisions and tickets lead to higher premiums, but which carrier -- Farmers or Trustgard Auto -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers policyholders can expect their prices to go up an average of $44 per month if they get a ticket, while Trustgard Auto generally raises premiums around $50 a month, on average.

That being said, Trustgard Auto is usually the more affordable option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 40% and 28% cheaper, respectively, compared to Farmers Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Farmers increasing by over $60. Trustgard Auto has a less extreme increase, but you can still expect to pay $35 more than you were prior to your first accident.

Overall, the less expensive prices come from Trustgard Auto, with monthly rates averaging $133 compared to Farmers Insurance's $224.

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 insurance bill -- generally a lot more than an accident or ticket. Trustgard Auto drivers usually see a 43% raise in their car insurance prices after a DUI charge, while Farmers will normally climb premiums by about 27%.

Trustgard Auto has the overall most affordable rates for drivers with a DUI on their records at $171 per month, but it's worth noting that Farmers's average rates come from 25 states compared to just three for Trustgard Auto, so the data may be skewed slightly.

How does Credit Score Impact Farmers and Trustgard Auto Rates?

Did you know that many auto insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

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

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Trustgard Auto. Policyholders with "excellent" credit can save over 30% compared to Farmers, and those with "good" scores can also expect to see savings -- around $57 or 31% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Trustgard Auto typically offers lower premiums than Farmers when it comes to drivers with bad credit. Drivers with "fair" credit pay about $69 per month less with Trustgard Auto compared to Farmers, and those with "poor" scores typically save an average of around $86 a month.

Is Farmers or Trustgard Auto 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 auto insurance payment. Normally, the more miles you drive, the more you can expect to pay for car insurance.

In this case, neither Farmers or Trustgard Auto report increasing prices for drivers with higher annual mileage figures. Still, Trustgard Auto comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $137 a month for both.

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

Where you call home can have a large impact on your monthly insurance cost. 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.

When comparing these two carriers side-by-side, Trustgard Auto generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $134 monthly with Trustgard Auto and $170 with Farmers. Drivers in suburban ZIP codes pay around $132 with Trustgard Auto compared to Farmers's $189 per month. In urban areas, Trustgard Auto's average rates are about $147 per month compared to Farmers's $251.

Farmers vs. Trustgard Auto 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. That's where insurance discounts comes into play.

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

In the table below, we've taken a look at all of the different discounts Farmers 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.

Farmers knocks Trustgard Auto out of the park when it comes to the sheer number of discounts available, offering 12 more discounts than Trustgard Auto.

There are a couple discounts both companies offer, but Farmers also offers ABS discounts, alternative fuel discounts, driver training discounts, and more that Trustgard Auto does not.

On the flip side, Trustgard Auto has a couple unique discounts of its own -- advanced safety feature discounts, company car discounts, COVID-19 relief discount, and more.

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

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each company offers, too. But, when it comes down to it, which carrier is the best one for you and your specific profile and needs?

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

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You already have a great credit score.
• You live in a rural area.

Farmers might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between Farmers and Trustgard Auto. We also hope we've given you the information you need to make the best decision when it comes to your 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 several carriers, not just Farmers and Trustgard Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Farmers vs. Trustgard Auto FAQs

Is Farmers or Trustgard Auto cheaper?

Looking just at the national average rates, Trustgard Auto is the more affordable of the two carriers, offering average rates of $137 a month compared to $203 for Farmers. However, Trustgard Auto won't necessarily be the lowest company for everyone, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Farmers or Trustgard Auto?

Sadly, the real answer is "it depends.". Neither carrier is "better" for every driver -- it all comes down to what your unique car insurance profile looks like.

Why do Farmers and Trustgard Auto offer me different rates?

Insurance companies take a look at lots of different factors when determining the premiums they charge drivers. Variables like age, where you park your vehicle, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Farmers and Trustgard Auto use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Farmers 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 multiple 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 information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Farmers 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.