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

Quick Facts

• Looking at the national averages for insurance, Nationwide offers significantly cheaper premiums than Trumbull
• Nationwide has more affordable prices for drivers who have received a ticket within the last few years
• Trumbull offers more affordable rates for residents in Arizona

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

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

You might have narrowed your search down to Nationwide or Trumbull as potential options, but between the two, which one will offer you less expensive premiums?

As you can see, Trumbull has average rates that are about 35% per month more expensive than those from Nationwide when looking at the national average rates for car insurance.

That being said, that doesn't necessarily mean Nationwide will be the cheaper option for every driver. Auto insurance companies vary their prices depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and all sorts of other factors, so rates could change drastically from person to person.

Luckily, we've broken down average premiums from both Nationwide and Trumbull by lots of different rate factors, so read on to find out which carrier is the best for you.

Nationwide or Trumbull: Average Car Insurance Rates by State

Nationwide and Trumbull only compete against each other in Arizona, where Nationwide offers the cheaper average prices. For Arizona residents, Nationwide offers insurance for $170 monthly on average. Trumbull's average premiums come out to be over 40% more expensive, at $253 per month.

There's a lot more that goes into your auto insurance bill than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers out there on the road. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of more than $200 less a month by choosing Nationwide over Trumbull. It's worth noting that Nationwide offers auto insurance in 34 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Nationwide policyholders decrease nearly $250 and Trumbull's prices drop over $350 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

So, which company offers the best prices to retired drivers? Nationwide gets the edge, with premiums for drivers 65 and older almost 25% more affordable than the national average for Trumbull.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married drivers than they are for single drivers. This usually boils down to married couples having several cars on their policy -- something many car insurance companies will reward with discounts.

When it comes to relationship status, Nationwide is the clear winner for those who are single, with premiums around $103 per month more affordable than Trumbull, on average. The advantage for married policyholders with Nationwide is also obvious, where drivers save about $55 a month.

Nationwide vs. Trumbull: Average Rates by Gender

You may not know, but men typically pay more for insurance than women do. This is because women are less likely to get tickets and get into collisions, which decreases the chances of an insurance claim.

Men generally pay more than $10 per month more than women with Nationwide, and around $24 more with Trumbull.

When it comes to the lowest prices for each gender, Nationwide comes out on top for both men and women. On average, women save about $77 a month and men save about $89 with Nationwide compared to the average Trumbull policyholder.

Nationwide 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.

Auto insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Nationwide typically offers cheaper premiums of $112 compared to Trumbull's $126. When it comes to full coverage policies with similar limits, Nationwide again has the edge, with policies around $150 per month less expensive than Trumbull, on average.

Is Nationwide or Trumbull Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 at-fault accidents and tickets on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Nationwide policyholders can expect their rates to go up an average of $24 a month if they get a ticket, while Trumbull generally raises prices about $55 per month, on average.

Even so, Nationwide is normally the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $67 a month and drivers with a ticket can save about $98 per month with Nationwide.

Which Company is Best for Drivers After an Accident?

Nationwide drivers who get in a collision can expect to see their premiums increase by just under $55, while those who have insurance through Trumbull will see around a $100 increase.

Overall, drivers who use Nationwide end up with the cheaper prices after an accident, with monthly rates averaging $178 compared to Trumbull Insurance Company's $290.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. Nationwide drivers usually see a 46% raise in their insurance prices after a DUI charge, while Trumbull will usually increase rates by about 32%.

Nationwide has the overall cheapest premiums for drivers with a DUI on their records at $230 a month, but it's worth noting that Nationwide's average rates come from 34 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Nationwide and Trumbull Rates?

Did you know that many auto insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it will come into play for several policyholders.

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

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Nationwide. Drivers with "excellent" credit can save just under 30% compared to Trumbull, and those with "good" scores can also expect to see savings -- around $57 or 27% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Nationwide typically offers lower prices than Trumbull when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $79 a month less with Nationwide compared to Trumbull, and those with "poor" scores generally save an average of around $146 per month.

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

How much you drive can have a big impact on your monthly car insurance payment. Usually, the more miles you put on your car, the more you can expect to pay for insurance.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Nationwide tends to be the less expensive option. Trumbull average rates for drivers with 6,000 annual miles come in about $73 more expensive than Nationwide. Those who drive 12,000 miles annually can expect to pay around $92 more with Trumbull over Nationwide.

Nationwide vs. Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly auto insurance cost. 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.

When comparing these two companies side-by-side, Nationwide typically comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest rates from both carriers, but Nationwide comes out on top with average premiums about $151 a month. Nationwide also has cheaper average prices for drivers in urban and suburban ZIP codes -- a $127 and $73 per month respective difference when compared to Trumbull policyholders in similar areas.

Nationwide 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. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard 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.

In the table below, we've taken a look at all of the different discounts Nationwide and Trumbull offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Overall, Nationwide comes out ahead with 22 discounts to Trumbull's 17.

There are a couple discounts both companies offer, but Nationwide also offers agency transfer discounts, EFT discounts, good driving discounts, and more that Trumbull does not.

On the flip side, Trumbull has a couple unique discounts of its own -- companion auto discounts, hybrid vehicle discounts, lay-up credit discounts, and more.

Final Thoughts: Is Nationwide or Trumbull Best for You?

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which insurance company is the right company for you and your specific driver profile?

Nationwide might be best for you if....

• You have a speeding ticket on your driving record.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles yearly.

Trumbull might be best for you if...

• You live in one of the following states: Arizona.

We hope this guide helps you get a better idea of the difference between Nationwide and Trumbull. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Nationwide and Trumbull. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Nationwide vs. Trumbull FAQs

Is Nationwide or Trumbull cheaper?

Looking just at the national average premiums, Nationwide is the less expensive of the two companies, offering average rates of $170 a month compared to $253 for Trumbull. But Nationwide won't necessarily be the lowest carrier for each policyholder, since there are a bunch of different factors that come into play when it comes to your car insurance bill.

Who is better, Nationwide or Trumbull?

Sadly, the real answer is "it depends.". One company is not "better" for every driver -- it all comes down to what your unique auto insurance profile looks like.

Why do Nationwide and Trumbull offer me different rates?

Insurance carriers take a look at lots of different variables when determining the prices they charge drivers. Things like age, your driving record, where your home is, gender, and sometimes even things like your credit score can all be used. Both Nationwide and Trumbull calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Nationwide 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, Compare.com does all the hard work for you. Just enter your information once 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 lowest price. And who knows, the best carrier for you might not be Nationwide 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.