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

Quick Facts

• In general, State Farm offers significantly less expensive prices than Trumbull
• State Farm offers more affordable average premiums for policyholders who drive fewer than 12,000 miles annually
• Trumbull has cheaper prices in AZ

State Farm 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 huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to State Farm or Trumbull, but between the two, which company will save you the most?

Looking at the national average rates for both carriers, Trumbull has average rates that are around 40% a month more expensive than those from State Farm.

But that doesn't mean State Farm will necessarily be more affordable than Trumbull for each driver. Car insurance companies use a ton of complex algorithms to determine rates, so depending on where you live or how old you are (among a wide array of other factors), you could see wildly different premiums from the ones above.

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

State Farm vs. Trumbull: Average Car Insurance Rates by State

State Farm and Trumbull only compete against each other in Arizona, where State Farm offers the cheaper average prices. State Farm drivers tend to pay about $50 per month less on average compared to drivers who use Trumbull for their insurance.

That being said, there are plenty of other factors that go into your auto insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of almost 40% less a month by choosing State Farm over Trumbull. It's worth noting that State Farm offers car insurance in 51 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will reduce premiums by the time drivers turn 25. For example, average rates for State Farm policyholders drop nearly 60% and Trumbull's prices decrease almost 60% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between State Farm and Trumbull? State Farm gets the edge, with rates for drivers 65 and older over 30% cheaper than the national average for Trumbull.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive auto insurance prices than single drivers. That's typically because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two companies is significant, with State Farm rates coming in at a third less than Trumbull's. The advantage is also clear for married drivers - State Farm offers the lowest average prices.

State Farm 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 normally end up paying more for car insurance than women.

Women usually pay about 7% per month less than men with State Farm, and nearly 10% less with Trumbull when compared to their male counterparts.

Looking at the data for each carrier specifically, State Farm offers the cheapest average premiums for both men and women, with average prices 38% less for men and 37% cheaper for women.

State Farm 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.

For most people, insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, State Farm has the edge, with average monthly rates coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging around $216 a month to Trumbull's $381.

Is State Farm or Trumbull Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices 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 speeding tickets and at-fault collisions lead to higher premiums, but which company -- State Farm or Trumbull -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use State Farm for their car insurance can generally expect their monthly bill to go up about 14% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of around 22%.

But State Farm has more affordable prices for drivers in both categories -- their rates are around 30% cheaper for drivers with clean records and 37% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with Trumbull raising by about 34%. State Farm has a less extreme rise, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, State Farm offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $163 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 insurance bill. Trumbull drivers usually see a 32% climb in their auto insurance premiums after a DUI charge, while State Farm will typically raise rates by around 25%.

State Farm has the overall cheapest prices for drivers with a DUI on their records at $179 a month, but it's worth noting that State Farm's average rates come from 51 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact State Farm and Trumbull Rates?

Did you know many insurance carriers take into account your credit score when determining rates? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of drivers out there.

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 carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, State Farm will generally reward you the most. For policyholders with "excellent" credit scores, State Farm comes in more than 56.76 more affordable. Drivers with "good" credit scores typically save about 50% with State Farm compared to average rates from Trumbull.

Which Company is Best for Drivers with Bad Credit?

State Farm typically offers lower prices than Trumbull when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 43% per month less with State Farm compared to Trumbull, and those with "poor" scores usually save an average of about 17% per month.

Is State Farm 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 sizable impact on your monthly premiums? Normally, those who drive fewer miles will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, State Farm offers cheaper rates than Trumbull. Trumbull's average premiums for drivers with 6,000 annual miles come in just under 40% more expensive than State Farm. Those who drive 12,000 miles yearly can expect to pay nearly 40% more with Trumbull over State Farm.

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

Where you park your car can have a pretty big impact on your monthly auto insurance cost. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the roads where they live.

State Farm boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $127 monthly with State Farm compared to Trumbull's $202. Drivers in suburban ZIP codes pay a monthly price of about $161 with State Farm compared to $232 with Trumbull. For drivers in urban ZIP codes, State Farm's average premiums are around $185 while Trumbull offers prices about $326.

State Farm 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 with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by State Farm and Trumbull so that you can see which one can save you the most money each month.

State Farm blows Trumbull away when it comes to the sheer amount of discounts available, offering six more discounts than Trumbull.

A couple of those are overlapping for things like distant student discounts, discounts for getting driver training, and multi-policy discounts. State Farm also offers discounts for ABS, annual mileage, drive safe & save, and more.

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

Final Thoughts: Is State Farm or Trumbull Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. But, when it comes down to it, which company is the right carrier for you and your specific needs?

State Farm might be best for you if....

• You will be the only person on the auto insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You live in a rural neighborhood.

Trumbull might be best for you if...

• You live in one of the following states: Arizona.

Hopefully, this guide helps you get a good idea of the differences between State Farm 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just State Farm and Trumbull. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

State Farm vs. Trumbull FAQs

Is State Farm or Trumbull cheaper?

State Farm is the less expensive of the two companies when looking at national average premiums, with policies averaging $158 a month with State Farm and $253 for Trumbull. However, that doesn't mean State Farm will be the most affordable carrier for every driver, since there are multiple different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, State Farm or Trumbull?

Unfortunately, the answer truly is "it depends.". One company is not "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do State Farm and Trumbull offer me different rates?

Auto insurance carriers use several different variables when calculating the rates they charge. Things such as gender, your driving record, age, where your home is, and sometimes even things like your credit score can all be used. Both State Farm and Trumbull use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't State Farm 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.