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

Quick Facts

• Based on national averages for insurance, Root offers significantly less expensive premiums than Trumbull
• Root offers more affordable average prices for couples purchasing auto insurance together
• Trumbull offers more discounts than Root Insurance

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

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

You might be considering Root or Trumbull as your top options, but which carrier will offer you less expensive rates?

Looking at nationwide averages, Trumbull is quite a bit more expensive than Root, with prices averaging $253 per month compared to just $65 with Root.

Even so, Root may not be the most affordable or best option for every driver out there. Insurance companies vary their premiums depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and a ton of other factors. So, at the end of the day, rates from each company will differ quite a bit from person to person.

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

Root or Trumbull: Average Car Insurance Rates by State

Both Root and Trumbull only offer auto insurance in Arizona, so you'll see that the average figures here will mirror the ones we mentioned above. For Arizona residents, Root offers car insurance for $65 per month on average. Trumbull's average premiums come out to be over 70% more expensive, at $253 monthly.

Typically, where you live will play a big role in how much you pay for insurance, but since both companies only do business in Arizona, quite a few other factors will come into play when you compare Root and Trumbull. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers. That's 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.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Root for their auto insurance pay more than $450 less than those who use Trumbull.

But both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for Root policyholders drop nearly $85 and Trumbull's prices decrease over $350 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Root and Trumbull specifically, which company is best for retired drivers? Root gets the edge, with premiums for drivers 65 and older almost 65% more affordable than the national average for Trumbull.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Root is the clear winner for those who are single, with prices about $228 a month cheaper than Trumbull, on average. For married couples, the advantage is clear again - Root has the edge when it comes to average premiums.

Root vs. Trumbull: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they raise the chances of filing a claim with insurance. Therefore, men typically pay more for insurance than women.

With Root, men generally pay around $2 per month more than women, and about $24 more with Trumbull.

Looking at the data for each carrier specifically, Root offers the cheapest average rates for both men and women, with average prices 75% less for men and 73% cheaper for women.

Root 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.

It's no secret that auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability limits, Root usually offers significantly less expensive premiums of $46 compared to Trumbull's $126. When it comes to full coverage policies with similar limits, Root again has the edge, with policies around $300 a month more affordable than Trumbull, on average.

Is Root or Trumbull Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault accidents and tickets lead to higher prices, but which company -- Root or Trumbull -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Root policyholders can expect their prices to go up an average of $10 per month if they get a ticket, while Trumbull generally raises premiums about $55 a month, on average.

Even so, Root tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 70% cheaper for drivers with clean records and 73% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Root can expect to see around an $22 -- or about 28% -- increase in their insurance rates. Drivers who use Trumbull for their auto insurance will see a monthly bill around $98 (or 34%) more expensive after reporting a collision to their car insurance carrier.

Overall, the cheaper premiums come from Root, with monthly prices averaging $79 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 ticket when it comes to your auto insurance bill. Trumbull drivers usually see a 32% increase in their insurance rates after a DUI charge, while Root will typically raise prices by about 0%.

If you have a DUI on your record and are looking for more affordable premiums, Root tends to be the much less expensive option with average rates of $57 a month compared to $284 from Trumbull.

How does Credit Score Impact Root and Trumbull Rates?

Did you know that many car insurance companies take into account your credit score when calculating prices? This isn't always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect many drivers out there.

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 Root and Trumbull, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Root. Policyholders with "excellent" credit can save over 70% compared to Trumbull, and those with "good" scores can also expect to see savings -- around $150 or 71% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Root typically offers lower prices than Trumbull when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $192 per month less with Root compared to Trumbull, and those with "poor" scores normally save an average of around $282 per month.

Is Root 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 your monthly auto insurance payment? Generally, those who drive less will end up with cheaper premiums since there's less of a chance of getting into an accident 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 Root charges. However, there's a small difference in monthly rates for Trumbull, with policyholders who drive the least paying about $20 less each month compared to those who drive 12,000 miles every year. Still, Root is the less expensive option for drivers in both categories.

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

Where you park your car can have a considerable impact on your monthly car insurance bill. Normally, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads in those areas.

When comparing these two companies side-by-side, Root typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable prices from both carriers, but Root comes out on top with average premiums around $58 monthly. Root also has more affordable average rates for drivers in urban and suburban ZIP codes -- a 76% and 74% a month respective difference when compared to Trumbull policyholders in similar areas.

Root vs. Trumbull Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

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

Trumbull knocks Root out of the park when it comes to the sheer number of discounts available, offering 12 more discounts than Root.

There are a couple discounts both companies offer, but Trumbull also offers advance quote discounts, anti-theft discounts, companion auto discounts, and more that Root does not.

On the flip side, Root has a couple unique discounts of its own -- auto-steer discounts, discounts for being a good driver, paid in full discounts, and more.

Final Thoughts: Is Root or Trumbull Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right company for you, your vehicle, and your wallet?

Root might be best for you if....

• You have a clean record.
• Your neighborhood is in the suburbs.
• You live in a rural neighborhood.

Trumbull might be best for you if...

• You're looking for discounts -- Trumbull has the most.

We hope this guide has ben a valuable resource as you compare Root and Trumbull. We also hope we've given you the information you need to make the best decision about your 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 carriers, not just Root 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 car insurance companies in your area, all for free.

Root vs. Trumbull FAQs

Is Root or Trumbull cheaper?

Looking just at the national average rates, Root is the cheaper of the two carriers, offering average rates of $65 per month compared to $253 for Trumbull. That being said, Root won't necessarily be the lowest company for each driver, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Root or Trumbull?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for every driver -- it all depends on what your unique insurance profile looks like.

Why do Root and Trumbull offer me different rates?

Auto insurance companies take a look at quite a few different factors when determining the prices they charge drivers. Things like age, where you call home, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Root and Trumbull calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Root 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 a handful of 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 information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Root 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.