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

Quick Facts

• Looking at the national averages for car insurance, Trexis offers significantly cheaper prices than Southern
• Southern may help you save more money -- they offer more discounts than Trexis Insurance
• Trexis tends to be a much more affordable option for policyholders who live in rural neighborhoods

Southern or Trexis: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Southern or Trexis, but which carrier will save you the most?

As you can see, Trexis has average rates that are around 30% a month cheaper than those from Southern when looking at the national average rates for insurance.

That being said, that doesn't mean Trexis will necessarily be less expensive than Southern for every single driver. Car insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and all sorts of other factors, so prices will differ quite a bit from person to person.

So, if you want to find out which of Southern or Trexis is really the best for you, keep reading to see average premiums for each carrier broken down by multiple different rate factors.

Southern vs. Trexis: Average Car Insurance Rates by State

Southern and Trexis only compete against each other in one states, with Southern offering more affordable rates to the average driver in all of them. Alabama has the most noticable difference, where Southern prices are $66 less expensive than insurance rates at Trexis.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Trexis for their car insurance pay over 30% less than those who use Southern.

However, both carriers will offer you dramatically lower rates by the time drivers turn 25. Trexis offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Southern's average premiums lower more than 60% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you can find.

But who has the best prices for retired drivers between Southern and Trexis? Trexis gets the edge here, with average premiums coming in at about $171 per month compared to Southern's $254.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are typically more expensive for single policyholders than they are for married policyholders? That's because policies for married couples generally cover more than one vehicle, which lots of companies will give you a discount for.

For single drivers, the difference in average premiums between these two carriers is significant, with Trexis rates coming in at a third less than Southern's. The advantage for married drivers with Trexis is also obvious, where drivers save around $80 per month.

Southern or Trexis: Average Rates by Gender

Did you know men normally pay more for insurance than women? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

On average, men see rates over $35 a month higher with Southern, but with Trexis, the difference is closer to $20 per month.

When it comes to the lowest prices for each gender, Trexis offers the cheapest average rates for both men and women, with average premiums 32% less for men and 31% cheaper for women.

Southern 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.

Auto 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 that drivers look at fall into two categories -- 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 -- alongside liability).

Looking specifically at state minimum liability limits, Trexis has the significant edge, with average monthly prices coming in at $108. If you want a full coverage policy with the same state minimum limits, Trexis again has the edge, with policies averaging about $333 a month to Southern's $452.

Is Southern or Trexis Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher premiums, but which company -- Southern or Trexis -- has the most affordable rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Southern for their insurance can typically expect their monthly bill to go up around 7% after getting a speeding ticket. Trexis policyholders can expect a bit more drastic of an increase of about 19%.

Even so, Trexis has more affordable prices for drivers in both categories, offering rates that are 16% and 3% cheaper, respectively, compared to Southern Insurance Company of Virginia.

Which Company is Best for Drivers After an Accident?

Southern drivers who get in an accident can expect to see their prices increase by over $75, while those who have insurance through Trexis will see around a $65 increase.

At the end of the day, drivers who use Trexis end up with the cheaper prices after an accident, with average premiums coming in at $247 compared to Southern Insurance Company of Virginia's $293.

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 ticket when it comes to your car insurance bill. On average, Southern will raise your rates about 61% after a DUI, while Trexis's average prices climb by nearly 20%.

But if you end up with a DUI charge and are looking for more affordable premiums, Trexis tends to be more affordable for the average driver, with monthly premiums coming in at around $226 to Southern's $548.

How does Credit Score Impact Southern and Trexis Rates?

Did you know many auto insurance companies take your credit score into account when determining rates? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it will come into play for a lot of policyholders.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which carrier offers the best premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Trexis will normally reward you the most. For drivers with "excellent" credit scores, Trexis comes in more than 10.96 cheaper. Drivers with "good" credit scores generally save about 17% with Trexis compared to average prices from Southern.

Which Company is Best for Drivers with Bad Credit?

Trexis typically offers lower premiums than Southern when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 33% per month less with Trexis compared to Southern, and those with "poor" scores normally save an average of about 48% a month.

Is Southern 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 big impact on your monthly rates? Typically, those who drive less will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trexis charges. However, there's a small difference in monthly rates for Southern, with policyholders who drive the least paying around $30 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Trexis is the cheaper company.

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

Where you live can have a pretty big impact on your monthly car insurance cost. Generally, those who live in urban areas will pay more than policyholders in rural areas because of the number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Trexis usually comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Trexis's average premiums are about $270 a month compared to Southern's $390. Drivers in suburban ZIP codes pay around $223 with Trexis compared to Southern's $279 monthly. If you live in a rural area, you can expect to pay about $167 a month with Trexis and $298 with Southern.

Southern vs. Trexis Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of 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 Southern and Trexis so that you can see which company can save you the most money each month.

Overall, Southern has the advantage when it comes to total number of discounts. Trexis offers a grand total of 16 discounts, while Southern has 20.

There are a couple discounts both carriers offer, but Southern also offers discounts for ABS, anti-theft, experienced operator, and more.

On the other hand, Trexis has a few proprietary discounts of their own for things like agency transfer discounts, education discounts, EFT discounts, and more.

Final Thoughts: Is Southern or Trexis Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the best one for you and your specific driver profile?

Trexis might be best for you if....

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing auto insurance for a teenager.

Southern might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Southern and Trexis. We also hope we've given you the information you need to make the best decision when it comes to 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 auto insurance -- comparing quotes from a handful of companies, not just Southern and Trexis. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Southern vs. Trexis FAQs

Is Southern or Trexis cheaper?

Trexis is the more affordable of the two companies when looking at national average rates, with policies averaging $220 per month with Trexis and $322 for Southern. However, that doesn't mean Trexis will be the cheapest carrier for every policyholder, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Southern or Trexis?

Unfortunately, the only answer we can give you is "it depends.". No one company is "better" for each policyholder -- it all boils down to your unique auto insurance profile.

Why do Southern and Trexis offer me different rates?

Car insurance carriers use quite a few different variables when calculating the premiums they charge. Factors like where you park your vehicle, age, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both Southern and Trexis calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Southern or Trexis 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Southern 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.