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

Quick Facts

• Looking at the national averages for car insurance, Farmers Mutual of Tennessee offers significantly more affordable rates than Trustgard Auto
• Farmers Mutual of Tennessee offers more affordable prices for policyholders who may not have much of a commute
• Trustgard Auto offers more discounts than Farmers Mutual of Tennessee

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Farmers Mutual of Tennessee or Trustgard Auto as your top options, but between the two, which one will offer you less expensive rates?

Looking at the national average rates for both companies, Trustgard Auto is quite a bit more expensive than Farmers Mutual of Tennessee, with premiums averaging $137 per month compared to just $100 with Farmers Mutual of Tennessee.

But that doesn't mean Farmers Mutual of Tennessee will necessarily be cheaper than Trustgard Auto for each driver. Insurance carriers use a variety of complex algorithms to calculate prices, so depending on how clean your driving record is or how old you are (among a whole range of other factors), you could see wildly different premiums from the ones above.

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

Farmers Mutual of Tennessee or Trustgard Auto: Average Car Insurance Rates by State

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There are plenty of other factors that go into your car insurance payment than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers. It's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Farmers Mutual of Tennessee for their auto insurance pay nearly $150 less than those who use Trustgard Auto.

Even so, with both companies, you'll see your prices lower significantly by the time you turn 25. For example, average rates for Farmers Mutual of Tennessee policyholders reduce more than 55% and Trustgard Auto's premiums decrease almost 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest car insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase rates.

So, which company offers the best prices to retired drivers? Farmers Mutual of Tennessee gets the edge here, with average premiums coming in at about $67 per month compared to Trustgard Auto's $96.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for single drivers than they are for married couples. This usually boils down to married policyholders having more than one car on their policy -- something a lot of insurance carriers will reward with discounts.

When it comes to relationship status, Farmers Mutual of Tennessee is the clear winner for those who are single, with prices around $52 a month more affordable than Trustgard Auto, on average. The advantage for married drivers with Farmers Mutual of Tennessee is also obvious, where drivers save over 20% per month.

Farmers Mutual of Tennessee vs. Trustgard Auto: Average Rates by Gender

Men generally pay more for auto insurance than women. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

On average, men see premiums more than 15% a month higher with Farmers Mutual of Tennessee, and about 6% more with Trustgard Auto.

When it comes to the lowest rates for each gender, Farmers Mutual of Tennessee offers the most affordable average premiums for both men and women. On average, male drivers save about $34 per month and women save around $42 with Farmers Mutual of Tennessee compared to the average Trustgard Auto policyholder.

Farmers Mutual of Tennessee 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 insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability limits, Farmers Mutual of Tennessee typically offers significantly less expensive prices of $44 compared to Trustgard Auto's $79. When it comes to full coverage policies with similar limits, Farmers Mutual of Tennessee again has the edge, with policies about $40 a month cheaper than Trustgard Auto, on average.

Is Farmers Mutual of Tennessee or Trustgard Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums 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 tickets and accidents lead to higher prices, but which carrier -- Farmers Mutual of Tennessee or Trustgard Auto -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Farmers Mutual of Tennessee insurance policies don't report seeing their premiums increase after getting a ticket, but Trustgard Auto policyholders can expect to see their monthly bill increase by around 35%.

But Farmers Mutual of Tennessee tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 12% more affordable for drivers with clean records and 42% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Farmers Mutual of Tennessee can expect to see about an $3 -- or around 3% -- increase in their auto insurance prices. Drivers who use Trustgard Auto for their car insurance will see a monthly bill about $35 (or 26%) more expensive after reporting a collision to their insurance company.

Overall, drivers who use Farmers Mutual of Tennessee end up with the cheaper prices after an accident, with monthly rates averaging $89 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. For example, Trustgard Auto increases average premiums by just under $75 per month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, Farmers Mutual of Tennessee tends to be the much cheaper option with average prices of $137 a month compared to $171 from Trustgard Auto.

How does Credit Score Impact Farmers Mutual of Tennessee and Trustgard Auto Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly auto insurance rates. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect several policyholders out there.

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

So, which carrier offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Farmers Mutual of Tennessee or Trustgard Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much auto insurance companies will charge for coverage. Typically, those who drive less will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Farmers Mutual of Tennessee or Trustgard Auto report increasing prices for drivers with higher annual mileage figures. Still, Farmers Mutual of Tennessee comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average rates of $100 a month for both.

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

Where you park your car can have a sizable impact on your monthly insurance bill. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Farmers Mutual of Tennessee boasts the lowest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Farmers Mutual of Tennessee's average rates are around $33 less than Trustgard Auto Insurance. Drivers in suburban ZIP codes pay about $37 less with Farmers Mutual of Tennessee compared to Trustgard Auto. If you live in a rural area, you can expect to save around $45 with Farmers Mutual of Tennessee compared to Trustgard Auto.

Farmers Mutual of Tennessee vs. Trustgard Auto Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

In the table below, we've taken a look at all of the different discounts Farmers Mutual of Tennessee 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 Farmers Mutual of Tennessee out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Farmers Mutual of Tennessee.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver -- but Trustgard Auto also offers advance quote discounts, advanced safety feature discounts, anti-theft discounts, and more that Farmers Mutual of Tennessee does not.

On the flip side, Farmers Mutual of Tennessee has a couple unique discounts of its own -- forgiveness discounts, discounts for being a good driver, discounts for insuring multiple cars with the same company, and more.

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

So, you've seen how different variables can affect your insurance premiums. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, is Farmers Mutual of Tennessee or Trustgard Auto the best company for you and your specific needs?

Farmers Mutual of Tennessee might be best for you if....

• Your driving record contains an at-fault collision.
• Your home is in a busy urban area.
• You and your spouse are buying car insurance together.

Trustgard Auto might be best for you if...

• 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 Mutual of Tennessee and Trustgard Auto. We also hope we've given you the information you need to make the best decision about 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 companies, not just Farmers Mutual of Tennessee and Trustgard Auto. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Farmers Mutual of Tennessee vs. Trustgard Auto FAQs

Is Farmers Mutual of Tennessee or Trustgard Auto cheaper?

Looking just at the national average prices, Farmers Mutual of Tennessee is the more affordable of the two companies, offering average rates of $100 per month compared to $137 for Trustgard Auto. However, Farmers Mutual of Tennessee won't necessarily be the most affordable company for every driver, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Farmers Mutual of Tennessee or Trustgard Auto?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Farmers Mutual of Tennessee and Trustgard Auto offer me different rates?

Auto insurance carriers take a look at quite a few different variables when calculating the rates they charge drivers. Things like gender, your driving record, age, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Farmers Mutual of Tennessee and Trustgard Auto calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Farmers Mutual of Tennessee 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 a handful of 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 information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be Farmers Mutual of Tennessee 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.