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

Quick Facts

• Based on national averages for auto insurance, Pekin offers significantly cheaper premiums than Trustgard Auto
• Pekin tends to be a much more affordable option for policyholders who have a short commute
• Trustgard Auto offers more discounts than Pekin Insurance

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Pekin or Trustgard Auto as potential options, but between the two, which one will save you the most?

As you can see, Pekin has average rates that are about 45% per month less expensive than those from Trustgard Auto when looking at the national average rates for car insurance.

But that doesn't mean Pekin will necessarily be more affordable than Trustgard Auto for every driver. Auto insurance companies vary their prices depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a ton of other factors, so rates will change quite a bit from person to person.

So, if you want to find out which of Pekin or Trustgard Auto is really the best for you, keep reading to see average premiums for each company broken down by many different rate factors.

Pekin or Trustgard Auto: Average Car Insurance Rates by State

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There are plenty of other factors that go into your car insurance bill than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. Just look at the table above -- where 18-year-old drivers who have Pekin for their auto insurance pay nearly $200 less than those who use Trustgard Auto.

However, with both carriers, you'll see your prices reduce significantly by the time you turn 25. For example, average premiums for Pekin policyholders decrease almost 65% and Trustgard Auto's rates lower nearly 70% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Pekin and Trustgard Auto specifically, which carrier is best for retired drivers? Pekin gets the edge, with prices for drivers 65 and older almost 40% less expensive than the national average for Trustgard Auto.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper insurance rates than single policyholders. That's because policies for married policyholders normally cover multiple cars, which many companies will offer you a discount for.

When it comes to relationship status, Pekin is the clear winner for single drivers, with premiums around $82 a month more affordable than Trustgard Auto, on average. The advantage is also clear for married drivers - Pekin offers the most affordable average prices.

Pekin vs. Trustgard Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll typically end up paying more for auto insurance than women.

On average, women see premiums about 1% per month less with Pekin, while with Trustgard Auto, the difference is closer to 6% a month.

Looking at the data for each company specifically, Pekin comes out as the lowest option for both genders. On average, male drivers save about $67 per month and women save around $59 with Pekin compared to the average Trustgard Auto policyholder.

Pekin 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. There are several different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability limits, Pekin generally offers significantly cheaper prices of $46 compared to Trustgard Auto's $79. When it comes to full coverage policies with similar limits, Pekin again has the edge, with policies about $95 a month less expensive than Trustgard Auto, on average.

Is Pekin 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 at-fault accidents on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Pekin policyholders can expect their premiums to go up an average of $13 per month if they get a ticket, while Trustgard Auto normally raises rates around $50 a month, on average.

That being said, Pekin is usually the cheaper option for both drivers who have a recent speeding ticket and those with clean records, offering prices that are 45% and 55% less expensive, respectively, compared to Trustgard Auto Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Pekin can expect to see about an $19 -- or around 26% -- increase in their insurance rates. Drivers who use Trustgard Auto for their car insurance will see a monthly bill about $35 (or 26%) more expensive after reporting a collision to their auto insurance carrier.

Overall, the more affordable prices come from Pekin, with monthly premiums averaging $73 compared to Trustgard Auto Insurance's $133.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than an accident or ticket. On average, Trustgard Auto will raise your prices around 43% after a DUI, while Pekin's average rates increase by just under 50%.

If you have a DUI on your record and are looking for more affordable premiums, Pekin tends to be the much less expensive option with average prices of $104 monthly compared to $171 from Trustgard Auto.

How does Credit Score Impact Pekin and Trustgard Auto Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

The reasoning auto insurance companies 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 typically be forced to pay more.

Looking specifically at Pekin and Trustgard Auto, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. Generally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into a collision and causing an insurance claim.

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 significant difference in monthly prices for Pekin, with drivers who put 6,000 miles on their vehicle annually paying about $13 less each month compared to those who drive 12,000 miles yearly. Still, Pekin is the more affordable option for drivers in both categories.

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

Where your home is can play a pretty big role in how much you pay for car insurance. Usually, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the roads in those areas.

Pekin tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in suburban ZIP codes see the cheapest premiums from both companies, but Pekin comes out on top with average prices around $68 per month. Pekin also has less expensive average rates for policyholders in urban and rural ZIP codes -- a 42% and 48% per month respective difference when compared to Trustgard Auto drivers in similar areas.

Pekin 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 auto insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

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

Trustgard Auto knocks Pekin out of the park when it comes to the sheer number of discounts available, offering six more discounts than Pekin.

Both carriers offer several of the same discounts -- like advance quote discounts, discounts for being a defensive driver, and group discounts -- but Trustgard Auto also offers advanced safety feature discounts, company car discounts, COVID-19 relief discount, and more that Pekin does not.

On the flip side, Pekin has a couple unique discounts of its own -- EFT discounts, hybrid vehicle discounts, discounts for insuring multiple cars with the same company, and more.

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

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right company for you and your specific driver profile?

Pekin might be best for you if....

• You're single and purchasing insurance by yourself.
• You have above-average credit.
• You don't spend much time in your car.

Trustgard Auto might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Pekin and Trustgard Auto and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Pekin and Trustgard Auto. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Pekin vs. Trustgard Auto FAQs

Is Pekin or Trustgard Auto cheaper?

Looking just at the national average prices, Pekin is the cheaper of the two companies, offering average rates of $74 a month compared to $137 for Trustgard Auto. But Pekin won't necessarily be the most affordable carrier for every driver, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Pekin or Trustgard Auto?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Pekin and Trustgard Auto offer me different rates?

Car insurance carriers take a look at a lot of different variables when calculating the premiums they charge policyholders. Factors such as gender, where you park your vehicle, your driving record, age, and sometimes even things like your credit score can all be used. Both Pekin and Trustgard Auto calculate prices using different formulas, 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 Pekin or Trustgard Auto is right for me?

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Pekin 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.