Motorists vs. Trustgard Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Trustgard Auto offers significantly more affordable premiums than Motorists
• Trustgard Auto offers more affordable rates for policyholders who live in the suburbs
• Trustgard Auto offers cheaper average premiums for drivers who have an at-fault accident on their record

Motorists vs. Trustgard Auto: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Motorists or Trustgard Auto, but between the two, which one will save you the most?

Looking at the national average rates for both companies, Motorists has average rates that are about 45% per month more expensive than those from Trustgard Auto.

But Trustgard Auto may not be the lowest or best option for every single driver out there. Insurance carriers use a ton of complex algorithms to calculate prices, so depending on how clean your driving record is or where you live (among several other factors), you could see wildly different premiums from the ones above.

Wanting to know if Motorists or Trustgard Auto 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.

Motorists or Trustgard Auto: Average Car Insurance Rates by State

Motorists and Trustgard Auto only compete against each other in one states, with Trustgard Auto offering less expensive prices to the average driver in all of them. Indiana has the most noticable difference, where Trustgard Auto rates are over 20% cheaper than car insurance premiums at Motorists.

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

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Trustgard Auto for their auto insurance pay nearly $60 less than those who use Motorists.

Even so, with both companies, you'll see your premiums reduce significantly once you turn 25. Trustgard Auto offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Motorists's average prices drop almost 45% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Motorists and Trustgard Auto? Trustgard Auto gets the edge, with prices for drivers 65 and older more than 55% more affordable than the national average for Motorists.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive car insurance rates than single drivers. That's usually because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Trustgard Auto is the clear winner for single policyholders, with premiums around $104 a month cheaper than Motorists, on average. The advantage is also clear for married policyholders - Trustgard Auto offers the cheapest average prices.

Motorists vs. Trustgard Auto: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into accidents, which means they'll typically end up paying more for auto insurance than women.

Women generally pay about 5% per month less than men with Motorists, and around 6% less with Trustgard Auto.

Looking at overall affordability, Trustgard Auto comes out on top for both men and women. On average, women save about $112 a month and men save about $115 with Trustgard Auto compared to the average Motorists policyholder.

Motorists 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 car insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Trustgard Auto normally offers significantly more affordable premiums of $79 compared to Motorists's $123. When it comes to full coverage policies with similar limits, Trustgard Auto again has the edge, with policies around $200 per month less expensive than Motorists, on average.

Is Motorists or Trustgard Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Motorists policyholders can expect their prices to go up an average of $18 a month if they get a ticket, while Trustgard Auto typically raises rates about $50 per month, on average.

However, Trustgard Auto has more affordable premiums for drivers in both categories, offering rates that are $71 and $39 less expensive, respectively, compared to Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault collision with Motorists increasing by over $35. Trustgard Auto has a less extreme increase, but you can still expect to pay $35 more than you were prior to your first accident.

Overall, Trustgard Auto offers the cheapest premiums for drivers with an at-fault collision on their records, with monthly prices averaging $133 compared to Motorists Insurance Group's $206.

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 speeding ticket or even a collision. For example, Motorists increases average rates by more than $250 a month -- that's over a 60% increase.

If you have a DUI on your record and are looking for more affordable premiums, Trustgard Auto tends to be the much cheaper option with average prices of $171 monthly compared to $442 from Motorists.

How does Credit Score Impact Motorists and Trustgard Auto Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it might come into play for a lot of drivers.

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.

So, which company offers the lowest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Motorists or Trustgard Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly car insurance cost. Usually, the more miles you drive, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trustgard Auto charges. However, there's a small difference in monthly premiums for Motorists, with policyholders who drive the least paying around $10 less each month compared to those who drive 12,000 miles annually. Still, Trustgard Auto is the less expensive option for drivers in both categories.

Motorists vs. Trustgard Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a pretty big impact on your monthly insurance bill. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the roads in those areas.

When comparing these two carriers side-by-side, Trustgard Auto generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in suburban ZIP codes see the cheapest prices from both companies, but Trustgard Auto comes out on top with average premiums about $132 per month. Trustgard Auto also has cheaper average rates for drivers in urban and rural ZIP codes -- a $139 and $118 per month respective difference when compared to Motorists policyholders in similar areas.

Motorists vs. Trustgard Auto Discounts

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

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Motorists and Trustgard Auto offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Trustgard Auto comes out ahead with 16 discounts to Motorists's 14.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, and life policy discounts. Trustgard Auto also offers advanced safety feature discounts, company car discounts, COVID-19 relief discount, and more that Motorists does not.

On the flip side, Motorists has a couple unique discounts of its own -- ABS discounts, empty nester discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Motorists or Trustgard Auto Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which company is the right fit for you?

Trustgard Auto might be best for you if....

• You're single and purchasing car insurance by yourself.
• You want basic auto insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your insurance.

Motorists might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide has ben a valuable resource as you compare Motorists and Trustgard Auto. We also hope we've given you the information you need to make the best decision about your auto 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 a handful of companies, not just Motorists and Trustgard Auto. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Motorists vs. Trustgard Auto FAQs

Is Motorists or Trustgard Auto cheaper?

Looking just at the national average rates, Trustgard Auto is the more affordable of the two companies, offering average rates of $137 a month compared to $251 for Motorists. Even so, Trustgard Auto won't necessarily be the most affordable carrier for everyone, since there are a range of different variables that come into play when it comes to your car insurance payment.

Who is better, Motorists or Trustgard Auto?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Motorists and Trustgard Auto offer me different rates?

Insurance carriers take a look at several different factors when calculating the premiums they charge drivers. Things like gender, age, where you live, your driving record, and sometimes even things like your credit score can all be used. Both Motorists and Trustgard Auto calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Motorists or Trustgard Auto is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Motorists 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.