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

Quick Facts

• Based on national averages for insurance, Metromile offers significantly less expensive prices than Trumbull
• Metromile offers more affordable average premiums for policyholders who have a short commute
• Trumbull may help you save more money -- they offer more discounts than Metromile

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Metromile or Trumbull as your top options, but which carrier will save you the most?

As you can see, Trumbull is quite a bit more expensive than Metromile, with prices averaging $253 a month compared to just $150 with Metromile when looking at the national average rates for car insurance.

Even so, that doesn't necessarily mean Metromile will be the cheaper option for every single driver. Insurance carriers use all sorts of complex algorithms to determine rates, so depending on how clean your driving record is or where you live (among a variety of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Metromile 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.

Metromile vs. Trumbull: Average Car Insurance Rates by State

Both Metromile and Trumbull only offer auto insurance in Arizona, so you'll see that the average figures here will mirror the ones we mentioned above. Metromile drivers tend to pay about $103 per month less on average compared to drivers who use Trumbull for their car insurance.

Typically, the state you live in will play a big role in how much you pay for insurance, but since both companies only do business in Arizona, an array of other variables will come into play when you compare Metromile and Trumbull. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of almost 45% less a month by choosing Metromile over Trumbull.

However, both companies will reduce rates once you turn 25. Trumbull offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Metromile still has the lowest premiums at $121 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best prices for retired drivers between Metromile and Trumbull? Metromile gets the edge, with premiums for drivers 65 and older over 20% less expensive than the national average for Trumbull.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something many auto insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Metromile premiums coming in at around half of Trumbull's. The advantage for married drivers with Metromile is also obvious, where drivers save more than 35% per month.

Metromile or Trumbull: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll generally end up paying more for car insurance than women.

Surprisingly, with Metromile, men usuallypay about 3% less a month than women, but with Trumbull, the difference is closer to 9% per month.

Looking at the data for each company specifically, Metromile comes out as the lowest option for both genders. On average, women save about $89 a month and men save around $117 with Metromile compared to the average Trumbull policyholder.

Metromile 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.

Insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing 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 an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Metromile has the edge, with average monthly rates coming in at $99. If you want a full coverage policy with the same state minimum limits, Metromile again has the edge, with policies averaging about $201 per month to Trumbull's $381.

Is Metromile or Trumbull Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great prices 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 speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- Metromile or Trumbull -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

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

That being said, Metromile has more affordable premiums for drivers in both categories -- their rates are around 40% cheaper for drivers with clean records and 40% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with Trumbull increasing by around 34%. Metromile has a less extreme climb, but you can still expect to pay nearly 35% more than you were prior to your first accident.

At the end of the day, drivers who use Metromile end up with the cheaper prices after an accident, with average prices coming in at $171 compared to Trumbull Insurance Company's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Trumbull drivers usually see a 32% climb in their insurance rates after a DUI charge, while Metromile will generally raise premiums by about 31%.

But if you end up with a DUI charge and are looking for more affordable prices, Metromile tends to be cheaper for the average driver, with monthly premiums coming in at around $167 to Trumbull's $284.

How does Credit Score Impact Metromile and Trumbull Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? Certain states and companies do not allow for credit score to be used as an insurance factor, but it will come into play for lots of drivers.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Trumbull and Metromile, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Metromile will typically reward you the most. For drivers with "excellent" credit scores, Metromile comes in more than 36.22 less expensive. Drivers with "good" credit scores usually save about 35% with Metromile compared to average premiums from Trumbull.

Which Company is Best for Drivers with Bad Credit?

Metromile typically offers lower prices than Trumbull when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 40% a month less with Metromile compared to Trumbull, and those with "poor" scores typically save an average of about 48% a month.

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

Did you know that the amount of time you spend in your car have a big impact on your monthly rates? Normally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Metromile charges. However, there's a small difference in monthly prices for Trumbull, with policyholders who drive the least paying around $20 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Metromile is the more affordable company.

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

Where you live can have a substantial impact on your monthly auto insurance cost. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

Metromile boasts the cheapest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Metromile's average prices are about 36% less than Trumbull Insurance Company. People who live in suburban areas pay around 48% less with Metromile compared to Trumbull. Those in rural areas can expect to save about 41% with Metromile compared to Trumbull.

Metromile vs. Trumbull Discounts

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

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Metromile and Trumbull offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Trumbull blows Metromile away when it comes to the sheer amount of discounts available, offering 13 more discounts than Metromile.

A couple of those are overlapping for things like multi-policy discounts and online quote discounts. Trumbull also offers discounts for advance quote, anti-theft, companion auto, and more.

On the other hand, Metromile has a few proprietary discounts of their own like good driving discounts and paperless discounts.

Final Thoughts: Is Metromile or Trumbull Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance company is the best carrier for you and your specific needs?

Metromile might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates rise.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower premiums.

Trumbull might be best for you if...

• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Metromile and Trumbull and that you can now make a more informed decision when it comes to 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 a handful of carriers, not just Metromile and Trumbull. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Metromile vs. Trumbull FAQs

Is Metromile or Trumbull cheaper?

Metromile is the less expensive of the two carriers when looking at national average rates, with policies averaging $150 per month with Metromile and $253 for Trumbull. But that doesn't mean Metromile will be the lowest company for every policyholder, since there are multiple different factors that are considered when it comes to your car insurance payment.

Who is better, Metromile or Trumbull?

Sadly, the real answer is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile.

Why do Metromile and Trumbull offer me different rates?

Insurance companies use several different variables when calculating the prices they charge. Things such as where you park your car, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Metromile and Trumbull calculate premiums 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 lots of different carriers.

How do I know if Metromile 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 multiple companies 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 carriers for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Metromile 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.