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

Quick Facts

• Looking at the national averages for car insurance, Trumbull offers more affordable rates than Mercury
• Mercury offers more discounts than Trumbull Insurance Company
• Trumbull tends to be a much less expensive option for drivers who have less-than-stellar credit

Mercury vs. Trumbull: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Mercury or Trumbull as potential options, but between the two, which company will save you the most?

Looking at the national average rates for both companies, Mercury has average rates that are about 14% per month more expensive than those from Trumbull.

But that doesn't mean Trumbull will necessarily be cheaper than Mercury for each driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

Wanting to know if Mercury or Trumbull is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Mercury or Trumbull: Average Car Insurance Rates by State

Mercury and Trumbull only compete against each other in Arizona, where Mercury offers the cheaper average premiums. For Arizona residents, Mercury offers car insurance for $159 monthly on average. Trumbull's average prices come out to be over 50% more expensive, at $253 per month.

There's a lot more that goes into your auto insurance cost than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. Normally, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Trumbull for their insurance pay nearly $150 less than those who use Mercury. It's worth noting that Mercury offers auto insurance in 11 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both companies will offer you dramatically lower rates once you turn 25. Trumbull offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Mercury still has the lowest premiums at $230 a month.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Mercury and Trumbull? Trumbull gets the edge, with premiums for drivers 65 and older more than 25% less expensive than the national average for Mercury.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Trumbull is the clear winner for those who are single, with premiums around $55 a month more affordable than Mercury, on average. The advantage for married policyholders with Trumbull is also obvious, where drivers save over 10% per month.

Mercury vs. Trumbull: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they raise the chances of filing a claim with insurance. Therefore, men normally pay more for car insurance than women.

On average, women see prices almost $15 a month less expensive with Mercury, and about $25 with Trumbull.

Looking at the data for each company specifically, Trumbull comes out on top for both men and women, with average rates 12% less for men and 16% cheaper for women.

Mercury 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.

For most people, auto insurance can be pretty complicated. There are several different coverages that account for lots 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.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Trumbull usually offers significantly more affordable premiums of $126 compared to Mercury's $184. When it comes to full coverage policies with similar limits, Trumbull again has the edge, with policies around $25 per month cheaper than Mercury, on average.

Is Mercury or Trumbull Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault collisions will most likely raise your prices, but is Mercury or Trumbull less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Mercury policyholders can expect their rates to go up an average of $57 a month if they get a ticket, while Trumbull typically raises prices about $55 per month, on average.

That being said, Trumbull has more affordable rates for drivers in both categories -- their rates are around 19% cheaper for drivers with clean records and 16% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Mercury drivers who get in an accident can expect to see their premiums climb by over $100, while those who have insurance through Trumbull will see around a $100 increase.

Overall, the cheaper prices come from Trumbull, with monthly premiums averaging $290 compared to Mercury Insurance's $346.

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 -- generally a lot more than a collision or speeding ticket. On average, Trumbull will climb your rates about 32% after a DUI, while Mercury's average prices increase by over 20%.

Trumbull has the overall most affordable premiums for drivers with a DUI on their records at $284 monthly, but it's worth noting that Mercury'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 Mercury and Trumbull Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it will come into play for quite a few policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

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

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 more than 15% compared to Mercury, and those with "good" scores can also expect to see savings -- around $56 or 21% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Trumbull typically offers lower rates than Mercury when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $44 a month less with Trumbull compared to Mercury, and those with "poor" scores generally save an average of around $45 a month.

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

How much you drive can have a considerable impact on your monthly car insurance bill. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mercury charges. However, there's a small difference in monthly premiums for Trumbull, with policyholders who drive 6,000 miles yearly paying about $20 less every month compared to those who drive 12,000 miles each year. Still, Trumbull is the less expensive option for drivers in both categories.

Mercury vs. 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Trumbull boasts the cheapest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Trumbull offers prices around $326 per month compared to Mercury's $401. People who live in suburban ZIP codes can expect to pay about $232 per month for Trumbull and $275 for Mercury. Lastly, those in rural areas tend to get the most affordable rates from both companies, with average monthly premiums coming in at $202 and $209 for Trumbull and Mercury respectively.

Mercury vs. Trumbull Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Mercury and Trumbull so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Mercury blows Trumbull away when it comes to the sheer amount of discounts available, offering 10 more discounts than Trumbull.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, employee discounts, and multi-policy discounts. Mercury also offers ABS discounts, continuous insurance discounts, COVID-19 relief discount, and more that Trumbull does not.

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

Final Thoughts: Is Mercury or Trumbull Best for You?

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which company is the right carrier for you and your specific needs?

Trumbull might be best for you if....

• You like the personalized touch of a small, local carrier.
• You're looking for more protection with "full coverage" insurance.
• You don't spend much time in your car.

Mercury might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Mercury and Trumbull. We also hope we've given you the information you need to make the best decision when it comes to 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 Mercury and Trumbull. Luckily, Compare.com does all the hard work for you. 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.

Mercury vs. Trumbull FAQs

Is Mercury or Trumbull cheaper?

Looking just at the national average premiums, Trumbull is the more affordable of the two companies, offering average rates of $253 a month compared to $295 for Mercury. Even so, Trumbull won't necessarily be the lowest carrier for every policyholder, since there are multiple different variables that are considered when it comes to your insurance payment.

Who is better, Mercury or Trumbull?

Unfortunately, the real answer is "it depends.". One company is not "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Mercury and Trumbull offer me different rates?

Insurance carriers take a look at several different factors when calculating the prices they charge drivers. Things such as age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Mercury and Trumbull calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Mercury 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.