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

Quick Facts

• In general, Progressive offers significantly less expensive rates than Trumbull
• Progressive offers cheaper average premiums for policyholders who drive fewer than 6,000 miles yearly
• Trumbull has more affordable prices in AZ

Progressive or 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 sizable savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Progressive or Trumbull for your next policy, but between the two, which carrier has less expensive rates for car insurance?

Looking at the national average rates for both carriers, Trumbull is quite a bit more expensive than Progressive, with premiums averaging $253 a month compared to just $180 with Progressive.

That being said, that doesn't mean Progressive will necessarily be more affordable than Trumbull for every single driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

Progressive vs. Trumbull: Average Car Insurance Rates by State

Progressive and Trumbull only compete against each other in Arizona, where Progressive offers the cheaper average prices. Progressive drivers tend to pay about $84 per month less on average compared to drivers who use Trumbull for their car insurance.

There's a lot more that goes into your insurance cost than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

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

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Progressive save almost 25% a month compared to those who use Trumbull. It's worth noting that Progressive offers insurance in 44 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 reduce rates by the time drivers turn 25. For example, average premiums for Progressive policyholders lower nearly 70% and Trumbull's rates drop almost 60% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? Progressive gets the edge, with prices for drivers 65 and older nearly 20% cheaper than the national average for Trumbull.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically less expensive for married couples than they are for single drivers? That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two companies is significant, with Progressive premiums coming in at a quarter less than Trumbull's. For married policyholders, the advantage is clear again - Progressive has the edge when it comes to average prices.

Progressive or Trumbull: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to insurance men will generally end up paying a little more.

On average, men see rates around $5 per month higher with Progressive, but with Trumbull, the difference is closer to $24 a month.

When it comes to the lowest premiums for each gender, Progressive comes out as the most affordable option for both genders. On average, women save about $63 per month and men save about $82 with Progressive compared to the average Trumbull policyholder.

Progressive 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 so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability insurance, Progressive has the edge, with average monthly prices coming in at $111. If you want a full coverage policy with the same state minimum limits, Progressive again has the edge, with policies averaging around $250 a month to Trumbull's $381.

Is Progressive 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 Progressive or Trumbull more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Progressive for their insurance can typically expect their monthly bill to go up about 17% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of around 22%.

Even so, Progressive has cheaper rates for drivers in both categories, offering prices that are 22% and 27% less expensive, respectively, compared to Trumbull Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Trumbull raising by about 34%. Progressive has a less extreme increase, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, drivers who use Progressive end up with the cheaper prices after an accident, with average rates coming in at $214 compared to Trumbull Insurance Company's $290.

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 auto insurance bill -- usually a lot more than a collision or ticket. For example, Trumbull increases average prices by more than $90 per month -- that's over a 30% increase.

Progressive has the overall cheapest rates for drivers with a DUI on their records at $177 monthly, but it's worth noting that Progressive's average rates come from 44 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Progressive and Trumbull Rates?

Did you know many car insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for several drivers.

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, policyholders with bad credit will often be forced to pay more.

Looking specifically at Progressive and Trumbull, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Progressive will generally reward you the most. For policyholders with "excellent" credit scores, Progressive comes in more than 26.49 cheaper. Drivers with "good" credit scores typically save around 25% with Progressive compared to average premiums from Trumbull.

Which Company is Best for Drivers with Bad Credit?

Progressive typically offers lower prices than Trumbull when it comes to drivers with bad credit. Drivers with "fair" credit pay about 30% a month less with Progressive compared to Trumbull, and those with "poor" scores normally save an average of around 32% per month.

Is Progressive or Trumbull 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 pretty big impact on how much auto insurance companies will charge for coverage? That's because the more milage you put on your vehicle, the more likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Progressive charges. However, there's a small difference in monthly rates for Trumbull, with policyholders who drive 6,000 miles annually paying about $20 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Progressive is the more affordable company.

Progressive or Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a large impact on your monthly car insurance bill. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

Progressive boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $154 a month with Progressive compared to Trumbull's $202. Drivers in suburban ZIP codes pay about $179 with Progressive compared to Trumbull's $232 monthly. For drivers in urban ZIP codes, Progressive's average prices are around $207 while Trumbull offers rates about $326.

Progressive 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 insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Progressive and Trumbull so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Progressive blows Trumbull away when it comes to the sheer amount of discounts available, offering 17 more discounts than Trumbull.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and online quote discounts. Progressive also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Trumbull has a few proprietary discounts of their own for things like companion auto discounts, driver training discounts, employee discounts, and more.

Final Thoughts: Is Progressive or Trumbull Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which insurance company is the best company for you, your vehicle, and your wallet?

Progressive might be best for you if....

• You will be the only person on the auto insurance policy.
• 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 live in one of the following states: Arizona.

Hopefully, this guide has ben a valuable resource as you compare Progressive and Trumbull. We also hope we've given you the information you need to make the best decision about your car insurance.

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

Progressive vs. Trumbull FAQs

Is Progressive or Trumbull cheaper?

Progressive is the cheaper of the two companies when looking at national average rates, with policies averaging $180 per month with Progressive and $253 for Trumbull. But that doesn't mean Progressive will be the lowest carrier for every policyholder, since there are many different factors that are considered when it comes to your car insurance payment.

Who is better, Progressive or Trumbull?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for each policyholder -- it all depends on the makeup of your unique insurance profile.

Why do Progressive and Trumbull offer me different rates?

Auto insurance carriers use many different variables when calculating the premiums they charge. Factors like your driving record, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Progressive and Trumbull calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Progressive or Trumbull is right for me?

The only way to find the 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 ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Progressive 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.