Omni vs. Trexis: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Omni offers less expensive rates than Trexis
• Omni has cheaper prices for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record
• Trexis may help you save more money -- they offer more discounts than Omni Insurance

Omni or Trexis: 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 huge savings. But exactly how much can you save by switching?

You might have narrowed your search down to Omni or Trexis for your next policy, but between the two, which carrier will save you the most?

Looking at the national average rates for both carriers, Trexis has average rates that are around 18% a month more expensive than those from Omni.

Even so, that doesn't mean Omni will necessarily be more affordable than Trexis for every driver. Insurance companies use tons of complex algorithms to determine rates, so depending on how clean your driving record is or how good your credit score is (among a wide array of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Omni and Trexis by multiple different rate factors, so read on to find out which company is the best for you.

Omni vs. Trexis: Average Car Insurance Rates by State

Omni and Trexis only compete against each other in one states, with Omni offering less expensive prices to the average driver in all of them. Alabama has the most noticable difference, where Omni premiums are $116 cheaper than auto insurance prices at Trexis.

There are plenty of other factors that go into your car insurance payment than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. Typically, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, 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 6% less per month by choosing Omni over Trexis.

But with both carriers, you'll see your prices drop significantly by the time you turn 25. Trexis offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Omni still has the most affordable rates at $139 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest auto 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 car insurance.

When looking at Omni and Trexis specifically, which carrier is best for retired drivers? Omni gets the edge here, with average premiums coming in at about $132 monthly compared to Trexis's $171.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable auto insurance rates than single policyholders. That's because policies for married drivers generally cover more than one vehicle, which many companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Omni rates coming in at around 15% less than Trexis's. The advantage for married couples with Omni is also obvious, where drivers save over 20% a month.

Omni or Trexis: Average Rates by Gender

Did you know women normally pay less for insurance than men? 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 Omni, women typically pay about $15 per month less than men, and around $20 less with Trexis.

Looking at overall affordability, Omni comes out as the lowest option for both genders. On average, male drivers save about $41 a month and women save about $36 with Omni compared to the average Trexis policyholder.

Omni vs. Trexis: 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. Everyone needs auto insurance, but there are so many different terms and limits 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 (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Omni has the slight edge, with average monthly premiums coming in at $104. If you want a full coverage policy with the same state minimum limits, Omni again has the edge, with policies averaging around $258 per month to Trexis's $333.

Is Omni or Trexis Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Speeding tickets and accidents will most likely raise your premiums, but is Omni or Trexis less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Omni for their auto insurance can normally expect their monthly bill to go up about 4% after getting a speeding ticket. Trexis policyholders can expect a bit more drastic of an increase of around 19%.

However, Omni is generally the more affordable option for drivers both with clean records and with a ticket, offering prices that are $14 and $50 cheaper, respectively, compared to Trexis Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise rates pretty significantly if you get into an at-fault collision with Trexis raising by about 26%. Omni has a less extreme rise, but you can still expect to pay more than 15% more than you were prior to your first accident.

At the end of the day, drivers who use Omni end up with the cheaper prices after an accident, with average premiums coming in at $203 compared to Trexis Insurance's $247.

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 an accident. For example, Trexis increases average prices by nearly $45 a month -- that's nearly a 20% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Omni tends to be less expensive for the average driver, with monthly premiums coming in at around $178 to Trexis's $226.

How does Credit Score Impact Omni and Trexis Rates?

Did you know many insurance companies take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it does affect several drivers out there.

Car 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.

So, which company offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Omni will usually reward you the most. For drivers with "excellent" credit scores, Omni comes in over 16.92 cheaper. Drivers with "good" credit scores generally save about 19% with Omni compared to average premiums from Trexis.

Which Company is Best for Drivers with Bad Credit?

Omni typically offers lower prices than Trexis when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 16% per month less with Omni compared to Trexis, and those with "poor" scores typically save an average of about 18% per month.

Is Omni or Trexis 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 sizable impact on your monthly rates? That's because the fewer miles you put on your vehicle, the less likely you are to be in a collision and file an insurance claim.

In this case, neither Omni or Trexis report increasing premiums for drivers with higher annual mileage figures. Even so, Omni comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $181 a month for both.

Omni or Trexis: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

Omni boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Omni Insurance's average premiums are around $3 less than Trexis Insurance. People who live in suburban areas pay about $80 less with Omni compared to Trexis. Those in rural areas can expect to save around $33 with Omni compared to Trexis.

Omni vs. Trexis 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 with what seems like a million different discounts out there, it can be difficult 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.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Omni and Trexis so that you can find the one that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Trexis comes out ahead with 16 discounts to Omni's 13.

Both companies offer many of the same discounts -- like agency transfer discounts, group discounts, discounts for being a homeowner, and paid in full discounts -- but Trexis also offers discounts for driver training, education, EFT, and more.

On the other hand, Omni has a few proprietary discounts of their own for things like anti-theft discounts, cellphone safety discounts, and passive restraint discounts.

Final Thoughts: Is Omni or Trexis Best for You?

So, we've broken down the average rates for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Omni or Trexis the best fit for you?

Omni might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the best prices on liability only coverage.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Trexis might be best for you if...

• You care about discounts (Trexis offers the most).

Hopefully, this guide helps you get a good idea of the differences between Omni and Trexis and that it aids in making a more informed decision about your 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 Omni and Trexis. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Omni vs. Trexis FAQs

Is Omni or Trexis cheaper?

Omni is the more affordable of the two companies when looking at national average premiums, with policies averaging $181 per month with Omni and $220 for Trexis. That being said, that doesn't mean Omni will be the most affordable company for everyone, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Omni or Trexis?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Omni and Trexis offer me different rates?

Auto insurance carriers use quite a few different variables when calculating the prices they charge. Things like age, gender, where your home is, your driving record, and sometimes even things like your credit score can all come into play. Both Omni and Trexis calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Omni or Trexis is right for me?

The only way to find the car insurance carrier 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 information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Omni or Trexis 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.