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

Want to know if The General or Trumbull is the better choice for auto insurance? You're probably wondering which carrier offers the best rates or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, The General offers slightly more affordable prices than Trumbull
  • The General has cheaper premiums for policyholders who have a short commute
  • Trumbull offers less expensive average rates for policyholders who are looking to purchase insurance with a spouse

The General or Trumbull: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering substantial savings. But exactly how much can you save by switching?

You might be considering The General or Trumbull as your top options, but which carrier has more affordable prices for insurance?

The General Trumbull

Looking at nationwide averages, Trumbull is around $12 more a month than The General.

That being said, that doesn't mean The General will necessarily be cheaper than Trumbull for every driver. Auto insurance carriers vary their premiums depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so prices could change drastically from person to person.

Wanting to know if The General 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.

The General vs. Trumbull: Average Car Insurance Rates by State

State The General Trumbull

The General and Trumbull only compete against each other in Arizona, where The General offers the cheaper average premiums. The General drivers tend to pay about $18 per month less on average compared to drivers who use Trumbull for their car insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your rates. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

The General Trumbull
18-year-old drivers$446$600
25-year-old drivers$244$248

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

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 25% less a month by choosing The General over Trumbull.

But both carriers will offer you dramatically lower prices once you turn 25. Trumbull offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, The General still has the lowest premiums at $244 per month.

Which is the Best Company for Retired Drivers?

The General Trumbull
65+-year-old drivers$195$162

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever find.

So, which carrier offers the best prices to retired drivers? Trumbull gets the edge here, with average premiums coming in at about $162 monthly compared to The General's $195.

Which is the Best Company for Married Drivers?

The General Trumbull

Did you know that car insurance rates are usually less expensive for married drivers than they are for single drivers? This usually boils down to married policyholders having multiple vehicles on their policy -- something lots of insurance companies will reward with discounts.

When it comes to relationship status, The General is the winner for those who are single, with premiums almost 10% per month cheaper than Trumbull, on average.

The General or Trumbull: Average Rates by Gender

The General Trumbull

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

Normally, women see prices around $30 a month less expensive with The General, and about $24 less with Trumbull.

When it comes to the most affordable rates for each gender, The General comes out on top for both men and women. On average, male drivers save about $8 per month and women save around $16 with The General compared to the average Trumbull policyholder.

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The General vs. Trumbull: Compare State Minimum vs. Full Coverage Rates

The General Trumbull
State Minimum*$154$126
Full Coverage**$329$381

*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.

Car insurance isn't the easiest topic to understand. There are a variety of different coverages that account for multiple 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 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 normally refers to having collision and comprehensive coverages alongside liability).

When it comes to state minimum liability limits, Trumbull has the edge, while The General offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $30 with Trumbull Insurance Company, while full coverage comes out to be about $50 more affordable with The General.

Is The General or Trumbull Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

The General Trumbull
Clean Record$192$192
1 Speeding Ticket$240$247

Drivers who use The General for their car insurance can usually expect their monthly bill to go up around 20% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of about 22%.

But The General is normally the cheaper option for drivers both with a ticket and with a clean record -- their rates are around 0% less expensive for drivers with clean records and 3% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

The General Trumbull
Clean Record$192$192
1 At-Fault Accident$279$290

The General policyholders who get in an accident can expect to see their premiums increase by over 30%, while those who have insurance through Trumbull will see around a 35% increase.

At the end of the day, the less expensive rates come from The General, with average prices coming in at $279 compared to Trumbull Insurance Company's $290.

Which Company is Best for Drivers with a DUI?

The General Trumbull
Clean Record$192$192
1 DUI$254$284

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than a collision or speeding ticket. Trumbull drivers usually see a 32% raise in their auto insurance premiums after a DUI charge, while The General will typically increase rates by about 24%.

But if you end up with a DUI charge and are looking for more affordable prices, The General tends to be cheaper for the average driver, with monthly premiums coming in at around $254 to Trumbull's $284.

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How does Credit Score Impact The General and Trumbull Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it does affect quite a few drivers out there.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at The General and Trumbull, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

The General Trumbull
Excellent Credit Score$176$185
Good Credit Score$217$210

If you have a great credit score, The General will normally reward you the most for an "excellent" credit score. For drivers with "excellent" credit scores, The General comes in 5% more affordable. Drivers with "good" credit scores typically save about 3% with Trumbull compared to average prices from The General.

Which Company is Best for Drivers with Bad Credit?

The General Trumbull
Fair Credit Score$246$258
Poor Credit Score$325$361

The General typically offers lower premiums than Trumbull when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 5% a month less with The General compared to Trumbull, and those with "poor" scores generally save an average of about 10% a month.

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Is The General or Trumbull Better for Drivers who Work from Home or Have Short Commutes?

The General Trumbull
6,000 Annual Miles$241$243
12,000 Annual Miles$241$263

Did you know that the amount of time you spend in your car have a sizable impact on your monthly auto insurance payment? Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing an accident 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 The General charges. However, there's a small difference in monthly prices for Trumbull, with drivers who put 6,000 miles on their car annually paying around $20 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, The General is the less expensive company.

The General or Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly insurance bill. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

The General Trumbull
Urban Areas$310$326
Suburban Areas$225$232
Rural Areas$189$202

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

For drivers in urban ZIP codes, The General's average rates are about 5% less than Trumbull Insurance Company. People who live in suburban areas pay around 3% less with The General compared to Trumbull. Those in rural areas can expect to save about 6% with The General compared to Trumbull.

The General vs. Trumbull Discounts

No matter why you might be in the market for a new car 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 auto 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're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts The General and Trumbull offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

The General Trumbull
Advance Quote Discount 
Anti-Theft Discount 
Companion Auto Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Employee Discount 
Good Student Discount 
Group Discount 
Homeowner Discount
Hybrid Vehicle Discount 
Lay-Up Credit Discount 
Liability Only Discount 
Multi-Policy Discount 
New Vehicle Discount 
Online Quote Discount 
Paid In Full Discount 
Passive Restraint Discount 
Star Level Discount 
Telematics Discount 

Trumbull blows The General away when it comes to the sheer amount of discounts available, offering 17 different discounts to The General's six.

There are a couple discounts both carriers offer, but Trumbull also offers discounts for advance quote, anti-theft, companion auto, and more.

On the other hand, The General has a few proprietary discounts of their own for things like group discounts, liability only discounts, paid in full discounts, and more.

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Final Thoughts: Is The General or Trumbull Best for You?

So, we've broken down the average prices for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the right company for you and your specific driver profile?

The General might be best for you if....

  • Your driving record includes a DUI charge.
  • You're worried about the impact your credit score will have on your premiums.
  • You don't spend much time in your car.

Trumbull might be best for you if...

  • You're looking for the best rates on liability only coverage.
  • You're of retirement age and want to take advantage of lower prices.
  • You are purchasing your insurance with a spouse.

Hopefully, this guide helps you get a better idea of the difference between The General and Trumbull. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just The General and Trumbull. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

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The General vs. Trumbull FAQs

Is The General or Trumbull cheaper?

The General is the more affordable of the two carriers when looking at national average premiums, with policies averaging $241 per month with The General and $253 for Trumbull. That being said, that doesn't mean The General will be the lowest carrier for everyone, since there are a bunch of different factors that come into play when it comes to your auto insurance cost.

Who is better, The General or Trumbull?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every policyholder -- it all boils down to your unique car insurance profile. For example, Trumbull is cheaper for drivers who have already retired, while The General offers less expensive prices for single policyholders.

Why do The General and Trumbull offer me different rates?

Auto insurance companies use many different variables when calculating the rates they charge. Things such as your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both The General and Trumbull calculate premiums using different factors, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if The General or Trumbull is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't The General or Trumbull at all, but another you hadn't even thought of!


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.

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