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

Quick Facts

• Looking at the national averages for car insurance, GEICO offers significantly more affordable prices than Trumbull
• GEICO tends to be a much less expensive option for policyholders who are looking to purchase insurance with a spouse
• Trumbull has cheaper premiums in AZ

GEICO or Trumbull: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to GEICO or Trumbull as potential options, but between the two, which company will offer you more affordable rates?

As you can see, GEICO has average rates that are around 25% a month cheaper than those from Trumbull when looking at the national average rates for insurance.

But that doesn't mean GEICO will necessarily be less expensive than Trumbull for every driver. Car insurance carriers use a ton of complex algorithms to determine prices, so depending on how clean your driving record is or how good your credit score is (among many other factors), you could see wildly different premiums from the ones above.

Wanting to know if GEICO or Trumbull 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.

GEICO vs. Trumbull: Average Car Insurance Rates by State

GEICO and Trumbull only compete against each other in Arizona, where GEICO offers the cheaper average rates. GEICO drivers tend to pay about $122 per month less on average compared to drivers who use Trumbull for their insurance.

But there's more to calculating auto insurance premiums than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 40% less a month by choosing GEICO over Trumbull. It's worth noting that GEICO offers insurance in 50 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for GEICO policyholders reduce about $200 and Trumbull's rates lower over $350 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise rates.

But who has the best premiums for retired drivers between GEICO and Trumbull? GEICO gets the slight edge, with prices for drivers 65 and older nearly 10% cheaper than the national average for Trumbull.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance rates than married policyholders. This usually boils down to married drivers having multiple vehicles on their policy -- something several car insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with GEICO premiums coming in at a third less than Trumbull's. The advantage is also clear for married couples - GEICO offers the lowest average prices.

GEICO or Trumbull: Average Rates by Gender

Did you know women generally pay less for auto insurance than men? That's because women are less likely to get tickets and get into collisions, which lowers the chances of filing a claim with insurance.

On average, men see premiums around 4% per month higher with GEICO, and about 9% more with Trumbull.

When it comes to the cheapest rates for each gender, GEICO comes out as the most affordable option for both genders. On average, women save about $60 a month and men save around $76 with GEICO compared to the average Trumbull policyholder.

GEICO 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, car insurance isn't the easiest topic to understand. There are many different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, GEICO has the edge, with average monthly premiums coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging about $269 per month to Trumbull's $381.

Is GEICO or Trumbull Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and at-fault accidents on your record, but which of these two carriers offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use GEICO for their auto insurance can normally expect their monthly bill to go up around 23% after getting a speeding ticket. Trumbull policyholders can expect a less drastic increase of about 22%.

However, GEICO has less expensive rates for drivers in both categories, offering premiums that are 40% and 39% more affordable, respectively, compared to Trumbull Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Trumbull increasing by around 34%. GEICO has a less extreme climb, but you can still expect to pay nearly 45% more than you were prior to your first accident.

At the end of the day, drivers who use GEICO end up with the cheaper prices after an accident, with average prices coming in at $200 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 insurance bill -- typically a lot more than a collision or ticket. GEICO drivers usually see a 58% climb in their car insurance rates after a DUI charge, while Trumbull will usually raise prices by about 32%.

GEICO has the overall most affordable premiums for drivers with a DUI on their records at $275 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact GEICO and Trumbull Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly auto insurance rates. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for many drivers.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at GEICO and Trumbull specifically, which carrier has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, GEICO will generally reward you the most. For policyholders with "excellent" credit scores, GEICO comes in just under 29.19 cheaper. Drivers with "good" credit scores normally save around 22% with GEICO compared to average premiums from Trumbull.

Which Company is Best for Drivers with Bad Credit?

GEICO typically offers lower prices than Trumbull when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 24% a month less with GEICO compared to Trumbull, and those with "poor" scores usually save an average of around 30% per month.

Is GEICO or Trumbull Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly auto insurance payment. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in an accident and file an insurance claim.

GEICO tends to be the less expensive option for both remote workers and those taking short commutes. Trumbull's average rates for drivers with 6,000 annual miles come in more than $60 more expensive than GEICO. Those who drive 12,000 miles every year can expect to pay nearly $75 more with Trumbull over GEICO.

GEICO 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 big impact as well. Generally, those who live in rural areas will pay less than drivers in urban areas because of the small number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, GEICO typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, GEICO's average premiums are about $211 per month compared to Trumbull's $326. People in suburban areas pay around $185 with GEICO compared to Trumbull's $232 a month. Those in rural areas can expect to pay about $159 per month with GEICO and $202 with Trumbull.

GEICO 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, and the best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both GEICO and Trumbull so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

GEICO 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 companies offer, but GEICO also offers discounts for ABS, commercial drivers license, COVID-19 relief, and more.

On the other hand, Trumbull has a few proprietary discounts of their own for things like advance quote discounts, companion auto discounts, homeowner discounts, and more.

Final Thoughts: Is GEICO or Trumbull 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 best one for you and your specific profile and needs?

GEICO might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing insurance for a teenager.

Trumbull might be best for you if...

• You're looking for the best rates in AZ.

Hopefully, this guide helps you get a better idea of the difference between GEICO and Trumbull. 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 car insurance policy is to compare quotes from several companies, not just GEICO 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 auto insurance carriers in your area, all in just a few minutes.

GEICO vs. Trumbull FAQs

Is GEICO or Trumbull cheaper?

GEICO is the more affordable of the two companies when looking at national average prices, with policies averaging $185 a month with GEICO and $253 for Trumbull. Even so, that doesn't mean GEICO will be the cheapest company for each policyholder, since there are multiple different variables that are considered when it comes to your insurance bill.

Who is better, GEICO or Trumbull?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do GEICO and Trumbull offer me different rates?

Auto insurance carriers use a lot of different factors when determining the premiums they charge. Variables like your driving record, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both GEICO and Trumbull calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if GEICO or Trumbull 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 does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't GEICO 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.