Noblr Reciprocal Exchange vs. Trumbull: Which Company is the Best Fit for You?

Quick Facts

• In general, Noblr Reciprocal Exchange offers significantly more affordable rates than Trumbull
• Noblr Reciprocal Exchange has cheaper premiums for drivers who have below-average credit
• Trumbull may help you save more money -- they offer more discounts than Noblr Reciprocal Exchange

Noblr Reciprocal Exchange or Trumbull: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might have narrowed your search down to Noblr Reciprocal Exchange or Trumbull as potential options, but which carrier will offer you less expensive rates?

Looking at the national average rates for both carriers, Trumbull is quite a bit more expensive than Noblr Reciprocal Exchange, with prices averaging $253 a month compared to just $79 with Noblr Reciprocal Exchange.

However, that doesn't necessarily mean Noblr Reciprocal Exchange will be the more affordable option for every single driver. Auto insurance companies vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and all sorts of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

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

Noblr Reciprocal Exchange vs. Trumbull: Average Car Insurance Rates by State

Both Noblr Reciprocal Exchange and Trumbull only offer car insurance in Arizona, so you'll see that the average figures here will mirror the ones we mentioned above. Noblr Reciprocal Exchange drivers tend to pay about $174 per month less on average compared to drivers who use Trumbull for their insurance.

Typically, where you live will play a large role in how much you pay for auto insurance, but since both companies only do business in Arizona, multiple other variables will come into play when you compare Noblr Reciprocal Exchange and Trumbull. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 60% less a month by choosing Noblr Reciprocal Exchange over Trumbull.

Even so, with both carriers, you'll see your prices drop significantly by the time drivers turn 25. Trumbull offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Noblr Reciprocal Exchange still has the most affordable premiums at $53 per month.

Which is the Best Company for Retired Drivers?

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

When looking at Noblr Reciprocal Exchange and Trumbull specifically, which company is best for retired drivers? Noblr Reciprocal Exchange gets the edge, with prices for drivers 65 and older over 70% less expensive 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 cheaper for married couples than they are for single policyholders. That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Noblr Reciprocal Exchange rates coming in at around a third of Trumbull's. For married drivers, the advantage is clear again - Noblr Reciprocal Exchange has the edge when it comes to average premiums.

Noblr Reciprocal Exchange or Trumbull: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will typically end up paying a little more.

Normally, men see rates about 5% per month higher with Noblr Reciprocal Exchange, and around 9% more with Trumbull.

Looking at the data for each carrier specifically, Noblr Reciprocal Exchange comes out as the lowest option for both genders, with average premiums $184 less for men and $164 cheaper for women.

Noblr Reciprocal Exchange 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.

Car insurance isn't the easiest topic to understand. There are a range of different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, Noblr Reciprocal Exchange has the significant edge, with average monthly prices coming in at $46. If you want a full coverage policy with the same state minimum limits, Noblr Reciprocal Exchange again has the edge, with policies averaging about $112 a month to Trumbull's $381.

Is Noblr Reciprocal Exchange or Trumbull Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and collisions will most likely raise your premiums, but is Noblr Reciprocal Exchange or Trumbull more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Noblr Reciprocal Exchange for their insurance can normally expect their monthly bill to go up around 18% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of about 22%.

That being said, Noblr Reciprocal Exchange tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering rates that are 67% and 68% cheaper, respectively, compared to Trumbull Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Trumbull raising by around 34%. Noblr Reciprocal Exchange has a less extreme climb, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, drivers who use Noblr Reciprocal Exchange end up with the cheaper prices after an accident, with average premiums coming in at $90 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 collision or speeding ticket when it comes to your car insurance bill. For example, Trumbull increases average prices by more than $90 per month -- that's more than a 30% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Noblr Reciprocal Exchange tends to be less expensive for the average driver, with monthly premiums coming in at about $83 to Trumbull's $284.

How does Credit Score Impact Noblr Reciprocal Exchange and Trumbull Rates?

Did you know many insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it does affect lots of drivers out there.

The reasoning car insurance carriers use is that policyholders 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 generally be forced to pay more.

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Noblr Reciprocal Exchange will typically reward you the most. For policyholders with "excellent" credit scores, Noblr Reciprocal Exchange comes in just under 73.51 cheaper. Drivers with "good" credit scores usually save around 76% with Noblr Reciprocal Exchange compared to average rates from Trumbull.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower prices than Trumbull when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 61% a month less with Noblr Reciprocal Exchange compared to Trumbull, and those with "poor" scores generally save an average of around 68% monthly.

Is Noblr Reciprocal Exchange or Trumbull Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly auto insurance cost. Typically, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing a collision 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 Noblr Reciprocal Exchange charges. However, there's a small difference in monthly prices for Trumbull, with drivers who put 6,000 miles on their vehicle yearly paying about $20 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Noblr Reciprocal Exchange is the more affordable carrier.

Noblr Reciprocal Exchange or 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 car insurance, but the type of area you live in can have a big impact as well. Normally, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads where they live.

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

For policyholders in urban ZIP codes, Noblr Reciprocal Exchange's average premiums are around $229 less than Trumbull Insurance Company. People who live in suburban areas pay about $162 less with Noblr Reciprocal Exchange compared to Trumbull. Those in rural areas can expect to save around $132 with Noblr Reciprocal Exchange compared to Trumbull.

Noblr Reciprocal Exchange 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 auto insurance discounts as possible.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Noblr Reciprocal Exchange and Trumbull so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Trumbull knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Noblr Reciprocal Exchange.

There are a couple discounts both carriers offer, but Trumbull also offers discounts for advance quote, anti-theft, companion auto, and more.

On the other hand, Noblr Reciprocal Exchange has a few proprietary discounts of their own for things like advantage technology discounts, continuous insurance discounts, education discounts, and more.

Final Thoughts: Is Noblr Reciprocal Exchange or Trumbull Best for You?

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

Noblr Reciprocal Exchange might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You have above-average credit.
• You're of retirement age and want to take advantage of lower prices.

Trumbull might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Noblr Reciprocal Exchange and Trumbull. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just Noblr Reciprocal Exchange and Trumbull. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Noblr Reciprocal Exchange vs. Trumbull FAQs

Is Noblr Reciprocal Exchange or Trumbull cheaper?

Noblr Reciprocal Exchange is the less expensive of the two carriers when looking at national average premiums, with policies averaging $79 per month with Noblr Reciprocal Exchange and $253 for Trumbull. Even so, that doesn't mean Noblr Reciprocal Exchange will be the lowest company for every policyholder, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Noblr Reciprocal Exchange or Trumbull?

Sadly, the real answer is "it depends.". No one carrier is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Noblr Reciprocal Exchange and Trumbull offer me different rates?

Insurance companies use a lot of different factors when calculating the prices they charge. Variables like age, your driving record, gender, where you call home, and sometimes even things like your credit score can all be used. Both Noblr Reciprocal Exchange and Trumbull calculate premiums differently, 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 Noblr Reciprocal Exchange 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 several companies 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 ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't Noblr Reciprocal Exchange 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.