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

Quick Facts

• Based on national averages for auto insurance, Trumbull offers significantly cheaper rates than Metlife
• Metlife may help you save more money -- they offer more discounts than Trumbull Insurance Company
• Trumbull has less expensive prices for policyholders who are looking to purchase insurance with a spouse

Metlife 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 big savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Metlife or Trumbull as your top options, but which company will save you the most?

Looking at the national average rates for both carriers, Trumbull is quite a bit cheaper than Metlife, with premiums averaging $253 a month compared to $340 with Metlife.

That being said, that doesn't necessarily mean Trumbull will be the more affordable option for every single driver. Insurance companies vary their prices depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and tons of other factors. So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

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

Metlife vs. Trumbull: Average Car Insurance Rates by State

Metlife and Trumbull only compete against each other in Arizona, where Trumbull offers the cheaper average rates. Trumbull drivers tend to pay about $114 per month less on average compared to drivers who use Metlife for their car insurance.

There's a lot more that goes into your auto insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in a car 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 auto insurance pay over 35% less than those who use Metlife. It's worth noting that Metlife offers car insurance in 44 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will lower premiums once you turn 25. For example, average rates for Metlife policyholders drop around $500 and Trumbull's prices reduce more than $350 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Metlife and Trumbull? Trumbull gets the edge, with prices for drivers 65 and older $43 less expensive than the national average for Metlife.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more expensive for single drivers than they are for married couples? This usually boils down to married drivers having several vehicles on their policy -- something a lot of car insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with Trumbull premiums coming in at about 30% less than Metlife's. The advantage is also clear for married policyholders - Trumbull offers the most affordable average prices.

Metlife or Trumbull: Average Rates by Gender

Men generally pay more for insurance than women. That's because women are less likely to get into accidents and get tickets, which decreases the chances of filing a claim with insurance.

With Metlife, women typically pay around $30 a month less than men, and about $24 less with Trumbull.

Looking at overall affordability, Trumbull comes out as the lowest option for both genders, with average rates 25% less for men and 26% cheaper for women.

Metlife 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.

It's no secret that car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

Looking specifically at state minimum liability insurance, Trumbull has the significant edge, with average monthly premiums coming in at $126. If you want a full coverage policy with the same state minimum limits, Trumbull again has the edge, with policies averaging around $381 per month to Metlife's $466.

Is Metlife 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.

At-fault collisions and speeding tickets will most likely raise your prices, but is Metlife or Trumbull cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

However, Trumbull is generally the less expensive option for both drivers who have clean records and those with a recent ticket, offering premiums that are $28 and $32 cheaper, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Metlife drivers who get in an accident can expect to see their rates rise by over 40%, while those who have insurance through Trumbull will see about a 35% increase.

At the end of the day, Trumbull offers the cheapest prices for drivers with an at-fault collision on their records, with average premiums coming in at $290 compared to MetLife's $368.

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 car insurance bill -- usually a lot more than a collision or speeding ticket. For example, Metlife increases average prices by more than $250 a month -- that's more than a 55% increase.

Trumbull has the overall most affordable rates for drivers with a DUI on their records at $284 monthly, but it's worth noting that Metlife's average rates come from 44 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Metlife and Trumbull Rates?

Did you know many insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it might come into play for several policyholders.

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

Looking at Metlife and Trumbull specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Trumbull will usually reward you the most. For drivers with "excellent" credit scores, Trumbull comes in over 16.67 more affordable. Drivers with "good" credit scores normally save around 23% with Trumbull compared to average prices from Metlife.

Which Company is Best for Drivers with Bad Credit?

Trumbull typically offers lower premiums than Metlife when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 24% per month less with Trumbull compared to Metlife, and those with "poor" scores generally save an average of around 32% per month.

Is Metlife or Trumbull 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 rates. Typically, those who drive fewer miles will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Trumbull tends to be the more affordable option. Metlife's average rates for drivers with 6,000 annual miles come in nearly 30% more expensive than Trumbull. Those who drive 12,000 miles yearly can expect to pay just under 25% more with Metlife over Trumbull.

Metlife or Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for auto insurance. Normally, 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, Trumbull generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about 32% with Trumbull compared to Metlife. People who live in suburban areas pay around 30% less with Trumbull compared to Metlife. For policyholders in urban ZIP codes, Trumbull Insurance Company's average premiums are about 16% less than MetLife.

Metlife vs. Trumbull Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Metlife and Trumbull so that you can find the company that has the most discounts and, therefore, the largest savings.

Metlife blows Trumbull away when it comes to the sheer amount of discounts available, offering 36 different discounts to Trumbull's 17.

There are a couple discounts both companies offer, but Metlife also offers discounts for AAA, ABS, academic, and more.

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

Final Thoughts: Is Metlife or Trumbull Best for You?

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

Trumbull might be best for you if....

• You will be the only person on the car insurance policy.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower premiums.

Metlife might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Metlife and Trumbull and that it aids in making a more informed decision about your 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 carriers, not just Metlife and Trumbull. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Metlife vs. Trumbull FAQs

Is Metlife or Trumbull cheaper?

Trumbull is the cheaper of the two carriers when looking at national average rates, with policies averaging $253 a month with Trumbull and $340 for Metlife. Even so, that doesn't mean Trumbull will be the most affordable carrier for each policyholder, since there are a range of different factors that come into play when it comes to your insurance bill.

Who is better, Metlife or Trumbull?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

Why do Metlife and Trumbull offer me different rates?

Car insurance companies use many different variables when calculating the premiums they charge. Factors such as age, where you live, your driving record, gender, and sometimes even things like your credit score can all be used. Both Metlife and Trumbull calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies 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 carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Metlife 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.