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

Quick Facts

• In general, Trustgard Auto offers cheaper rates than State Farm
• State Farm offers more discounts than Trustgard Auto Insurance
• Trustgard Auto offers more affordable premiums for people who are single and purchasing car insurance by yourself

State Farm vs. Trustgard Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to State Farm or Trustgard Auto, but between the two, which company will save you the most?

Looking at the national average rates for both companies, State Farm has average rates that are about 13% per month more expensive than those from Trustgard Auto.

That being said, that doesn't necessarily mean Trustgard Auto will be the less expensive option for every single driver. Insurance carriers vary their prices depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and a ton of other factors, so rates could vary drastically from person to person.

So, if you want to find out which of State Farm or Trustgard Auto is really the best for you, keep reading to see average prices for each carrier broken down by a range of different rate factors.

State Farm or Trustgard Auto: Average Car Insurance Rates by State

State Farm and Trustgard Auto only compete against each other in three states, with State Farm offering more affordable rates to the average driver in all of them. If you live in Tennessee, Trustgard Auto is the less expensive of the two companies when looking at the overall average premiums. State Farm is the cheaper option in Illinois and Indiana.

That being said, there's a lot more that goes into your car insurance cost than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. It's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. Just look at the table above -- where 18-year-old drivers who have State Farm for their auto insurance pay $4 less than those who use Trustgard Auto. It's worth noting that State Farm offers insurance in 51 different states compared to Trustgard Auto's three, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both carriers will decrease prices by the time drivers turn 25. Trustgard Auto offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. State Farm's average rates reduce nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable car insurance prices out there. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase premiums.

But who has the best rates for retired drivers between State Farm and Trustgard Auto? Trustgard Auto gets the edge, with prices for drivers 65 and older almost 15% more affordable than the national average for State Farm.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are usually cheaper for married drivers than they are for single policyholders? This usually boils down to married couples having several cars on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for those who are single, with rates only differing around $13 a month, on average. The advantage for married policyholders is more obvious, where drivers who use Trustgard Auto save nearly 25% per month.

State Farm vs. Trustgard Auto: Average Rates by Gender

Because men are more likely to get into accidents and get tickets, they have an increased chance of filing a claim with insurance. Therefore, men tend to pay more for car insurance than women.

Typically, women see prices about 7% a month less with State Farm, and around 6% less with Trustgard Auto when compared to their male counterparts.

When it comes to the cheapest premiums for each gender, Trustgard Auto comes out on top for both men and women, with average prices $22 less for men and $19 cheaper for women.

State Farm or Trustgard Auto: 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 insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability insurance, Trustgard Auto normally offers less expensive premiums of $79 compared to State Farm's $99. When it comes to full coverage policies with similar limits, Trustgard Auto again has the edge, with policies about $20 per month more affordable than State Farm, on average.

Is State Farm or Trustgard Auto Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two companies offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

State Farm policyholders can expect their prices to go up an average of $21 a month if they get a ticket, while Trustgard Auto typically raises rates around $50 per month, on average.

But Trustgard Auto has less expensive premiums for drivers in both categories, offering rates that are $36 and $7 more affordable, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through State Farm can expect to see about an $29 -- or around 18% -- increase in their auto insurance prices. Drivers who use Trustgard Auto for their insurance will see a monthly bill about $35 (or 26%) more expensive after reporting a collision to their auto insurance company.

Overall, Trustgard Auto offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $133 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Trustgard Auto will climb your rates around 43% after a DUI, while State Farm's average premiums climb by over 25%.

Trustgard Auto has the overall most affordable rates for drivers with a DUI on their records at $171 a month, but it's worth noting that State Farm's average rates come from 51 states compared to just three for Trustgard Auto, so the data may be skewed slightly.

How does Credit Score Impact State Farm and Trustgard Auto Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect a lot of drivers out there.

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

So, which carrier offers the lowest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with State Farm. Policyholders with "excellent" credit can save just under 30% compared to Trustgard Auto, and those with "good" scores can also expect to see savings -- about $23 or 18% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Trustgard Auto typically offers lower premiums than State Farm when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $8 a month less with Trustgard Auto compared to State Farm, and those with "poor" scores usually save an average of about $130 monthly.

Is State Farm or Trustgard Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly car insurance bill. Typically, the more miles you put on your car, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trustgard Auto charges. However, there's a small difference in monthly rates for State Farm, with policyholders who drive the least paying around $13 less every month compared to those who drive 12,000 miles annually. Still, Trustgard Auto is the more affordable option for drivers in both categories.

State Farm vs. Trustgard Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly car insurance payment. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Trustgard Auto tends to offer the lowest option for drivers in urban and suburban areas, while State Farm wins in rural areas.

In urban areas, Trustgard Auto Insurance's average rates are about 21% less than State Farm. Drivers in suburban ZIP codes pay around 18% less with Trustgard Auto compared to State Farm. If you live in a rural area, you can expect to save about 5% with State Farm compared to Trustgard Auto.

State Farm vs. Trustgard Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

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.

Below, we've compared all of the different discounts offered by State Farm and Trustgard Auto so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

State Farm blows Trustgard Auto away when it comes to the sheer amount of discounts available, offering 23 different discounts to Trustgard Auto's 16.

There are a couple discounts both companies offer, but State Farm also offers ABS discounts, annual mileage discounts, drive safe & save discounts, and more that Trustgard Auto does not.

On the flip side, Trustgard Auto has a couple unique discounts of its own -- advance quote discounts, advanced safety feature discounts, company car discounts, and more.

Final Thoughts: Is State Farm or Trustgard Auto Best for You?

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

Trustgard Auto might be best for you if....

• You're single and purchasing car insurance by yourself.
• You're looking for more protection with "full coverage" auto insurance.
• You live in an suburban area.

State Farm might be best for you if...

• You're planning on moving to another state soon -- Trustgard Auto Insurance only offers policies in three states.
• You want to save extra money with discounts.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare State Farm and Trustgard Auto and that you can now make a more informed decision when it comes to 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 multiple carriers, not just State Farm and Trustgard Auto. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

State Farm vs. Trustgard Auto FAQs

Is State Farm or Trustgard Auto cheaper?

Looking just at the national average rates, Trustgard Auto is the less expensive of the two carriers, offering average rates of $137 per month compared to $158 for State Farm. That being said, Trustgard Auto won't necessarily be the cheapest carrier for each policyholder, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, State Farm or Trustgard Auto?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Trustgard Auto offers cheaper premiums for drivers with a recent DUI, while State Farm is less expensive for drivers with excellent credit.

Why do State Farm and Trustgard Auto offer me different rates?

Car insurance companies take a look at lots of different variables when determining the rates they charge policyholders. Things like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both State Farm and Trustgard Auto calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance company 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 do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be State Farm or Trustgard Auto 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.