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

Quick Facts

• In general, Safeway offers significantly less expensive prices than Trumbull
• Safeway has more affordable premiums for drivers who have below-average credit
• Trumbull may help you save more money -- they offer more discounts than Safeway Insurance

Safeway or Trumbull: 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 big savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Safeway or Trumbull as potential options, but which carrier has cheaper rates for auto insurance?

Looking at the national average rates for both carriers, Safeway is around $59 a month more affordable than Trumbull.

Even so, that doesn't mean Safeway will necessarily be less expensive than Trumbull for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things), so prices could change drastically from person to person.

So, if you want to find out which of Safeway or Trumbull is really the best for you, keep reading to see average premiums for each company broken down by a variety of different rate factors.

Safeway vs. Trumbull: Average Car Insurance Rates by State

Safeway and Trumbull only compete against each other in Arizona, where Safeway offers the cheaper average prices. Safeway drivers tend to pay about $98 per month less on average compared to drivers who use Trumbull for their insurance.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your rates. Keep reading 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 because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have Safeway for their car insurance pay almost 25% less than those who use Trumbull.

That being said, both companies will offer you dramatically lower premiums once you turn 25. Trumbull offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Safeway still has the cheapest rates at $179 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable auto 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.

When looking at Safeway and Trumbull specifically, which carrier is best for retired drivers? Safeway gets the edge here, with average rates coming in at about $136 per month compared to Trumbull's $162.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually cheaper 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 premiums between these two carriers is significant, with Safeway rates coming in at a quarter less than Trumbull's. For married policyholders, the advantage is clear again - Safeway has the edge when it comes to average prices.

Safeway or Trumbull: Average Rates by Gender

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

Women normally pay nearly 10% a month less than men with Safeway, and almost 10% less with Trumbull when compared to their male counterparts.

When it comes to the lowest premiums for each gender, Safeway comes out as the cheapest option for both genders, with average rates $62 less for men and $56 cheaper for women.

Safeway 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.

Insurance isn't the easiest topic to understand. There are lots of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

However, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

When it comes to state minimum limits for liability insurance, Trumbull has the edge, while Safeway offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $4 with Trumbull Insurance Company, while full coverage comes out to be around $100 less expensive with Safeway Insurance.

Is Safeway 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 at-fault collisions will most likely raise your prices, but is Safeway or Trumbull cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Safeway for their insurance can generally expect their monthly bill to go up about 4% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of around 22%.

But Safeway has more affordable rates for drivers in both categories. With Safeway Insurance, drivers with a clean record can save about $29 per month and drivers with a ticket can save around $77 a month.

Which Company is Best for Drivers After an Accident?

Safeway policyholders who get in an accident can expect to see their prices climb by over 25%, while those who have insurance through Trumbull will see about a 35% increase.

At the end of the day, the cheaper rates come from Safeway, with average premiums coming in at $223 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. Trumbull drivers usually see a 32% increase in their insurance rates after a DUI charge, while Safeway will usually raise prices by around 26%.

But if you end up with a DUI charge and are looking for more affordable premiums, Safeway tends to be less expensive for the average driver, with monthly premiums coming in at about $220 to Trumbull's $284.

How does Credit Score Impact Safeway and Trumbull Rates?

Did you know many auto insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it will come into play for quite a few drivers.

Car insurance companies 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.

So, which company offers the most affordable premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Trumbull will normally reward you the most for an "excellent" credit score. For policyholders with "excellent" credit scores, Trumbull comes in 5% more affordable. Drivers with "good" credit scores usually save around 8% with Safeway compared to average prices from Trumbull.

Which Company is Best for Drivers with Bad Credit?

Safeway typically offers lower rates than Trumbull when it comes to drivers with bad credit. Drivers with "fair" credit pay about 25% per month less with Safeway compared to Trumbull, and those with "poor" scores typically save an average of around 46% a month.

Is Safeway or Trumbull 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 bill. Generally, the more milage you put on your car, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Safeway charges. However, there's a small difference in monthly premiums 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, for drivers in both categories, Safeway is the cheaper carrier.

Safeway 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 auto insurance, but the type of area you live in can have a large impact as well. 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 where they live.

When comparing these two carriers side-by-side, Safeway usually comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Safeway's average rates are around $234 while Trumbull offers prices about $326. Drivers in suburban ZIP codes pay a monthly premium of around $201 with Safeway compared to $232 with Trumbull. If you live in a rural area, you can expect to pay about $146 per month with Safeway and $202 with Trumbull.

Safeway vs. Trumbull Discounts

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

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 can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Safeway and Trumbull so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Trumbull knocks Safeway out of the park when it comes to the sheer number of discounts available, offering 17 different discounts to Safeway's 17.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and discounts for being a homeowner. Trumbull also offers discounts for advance quote, anti-theft, companion auto, and more.

On the other hand, Safeway has a few proprietary discounts of their own for things like agency transfer discounts, full coverage discounts, military discounts, and more.

Final Thoughts: Is Safeway or Trumbull Best for You?

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Safeway or Trumbull the best one for you and your specific profile and needs?

Safeway might be best for you if....

• Your driving record contains an at-fault accident.
• Your home is located in the suburbs.
• You have a short commute.

Trumbull might be best for you if...

• You're looking for discounts -- Trumbull has the most.
• You're looking for the best prices on liability only coverage.

Hopefully, this guide helps you get a good idea of the differences between Safeway 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 companies, not just Safeway and Trumbull. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Safeway vs. Trumbull FAQs

Is Safeway or Trumbull cheaper?

Safeway is the more affordable of the two companies when looking at national average rates, with policies averaging $194 a month with Safeway and $253 for Trumbull. Even so, that doesn't mean Safeway will be the most affordable company for everyone, since there are many different factors that are considered when it comes to your auto insurance payment.

Who is better, Safeway or Trumbull?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for each policyholder -- it all depends on what your unique car insurance profile looks like. For example, Trumbull is less expensive for drivers with excellent credit, while Safeway offers cheaper prices for drivers with a recent DUI.

Why do Safeway and Trumbull offer me different rates?

Auto insurance carriers use several different variables when calculating the premiums they charge. Things such as where you call home, where you live, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Safeway and Trumbull use different formulas, so it's likely they'll offer different rates. 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 Safeway or Trumbull is right for me?

The only way to find the insurance carrier 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 quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Safeway 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.