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

Quick Facts

• Based on national averages for car insurance, Travelers offers significantly cheaper premiums than Trumbull
• Travelers offers more affordable average rates for drivers who have less-than-stellar credit
• Trumbull offers more affordable premiums for residents in Arizona

Travelers vs. Trumbull: 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 big discounts. But exactly how much can you save by switching?

You might be considering Travelers or Trumbull as your top options, but which carrier has less expensive rates for insurance?

Looking at nationwide averages, Trumbull is quite a bit more expensive than Travelers, with prices averaging $253 per month compared to just $167 with Travelers.

Even so, Travelers may not be the most affordable or best option for every driver out there. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your credit score, where you call home, or even your driving record (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

Travelers or Trumbull: Average Car Insurance Rates by State

Travelers and Trumbull only compete against each other in Arizona, where Travelers offers the cheaper average rates. For Arizona residents, Travelers offers auto insurance for $124 a month on average. Trumbull's average prices come out to be over 70% more expensive, at $253 monthly.

There are plenty of other factors that go into your insurance bill than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. Just look at the table above -- where 18-year-old drivers who have Travelers for their car insurance pay nearly $250 less than those who use Trumbull. It's worth noting that Travelers offers auto insurance in 31 different states compared to Trumbull's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for Travelers policyholders lower more than $200 and Trumbull's premiums decrease about $350 over that time.

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 cheapest rates out there.

But who has the best premiums for retired drivers between Travelers and Trumbull? Travelers gets the edge, with prices for drivers 65 and older $30 more affordable than the national average for Trumbull.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be less expensive for married couples than they are for single policyholders. That's because policies for married policyholders generally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Travelers is the clear winner for single drivers, with premiums around $114 a month cheaper than Trumbull, on average. The advantage for married drivers with Travelers is also obvious, where drivers save over 25% per month.

Travelers vs. Trumbull: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to auto insurance men will usually end up paying a little more.

On average, men see prices about 6% a month higher with Travelers, and almost 10% with Trumbull.

Looking at the data for each carrier specifically, Travelers comes out on top for both men and women, with average premiums $93 less for men and $80 cheaper for women.

Travelers or 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.

It's no secret that insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum liability insurance, Travelers typically offers less expensive prices of $108 compared to Trumbull's $126. When it comes to full coverage policies with similar limits, Travelers again has the edge, with policies around $150 per month cheaper than Trumbull, on average.

Is Travelers or Trumbull Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great rates 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 tickets and accidents lead to higher prices, but which company -- Travelers or Trumbull -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Travelers policyholders can expect their premiums to go up an average of $32 a month if they get a ticket, while Trumbull generally raises rates about $55 per month, on average.

However, Travelers has more affordable premiums for drivers in both categories. Drivers with a clean record can save around $64 a month and drivers with a speeding ticket can save about $87 per month with Travelers.

Which Company is Best for Drivers After an Accident?

Travelers drivers who get in an accident can expect to see their prices rise by over 25%, while those who have insurance through Trumbull will see around a 35% increase.

Overall, Travelers offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $173 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 ticket when it comes to your car insurance bill. Trumbull drivers usually see a 32% raise in their insurance rates after a DUI charge, while Travelers will normally climb prices by about 38%.

Travelers has the overall lowest premiums for drivers with a DUI on their records at $205 per month, but it's worth noting that Travelers's average rates come from 31 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Travelers and Trumbull Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for many policyholders.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Travelers. Drivers with "excellent" credit can save over 35% compared to Trumbull, and those with "good" scores can also expect to see savings -- around $68 or 32% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Travelers typically offers lower rates than Trumbull when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $85 a month less with Travelers compared to Trumbull, and those with "poor" scores usually save an average of around $130 monthly.

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

How much you drive can have a substantial impact on how much car insurance companies will charge for coverage. That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Travelers offers more affordable prices than Trumbull. Travelers's average premiums for drivers with 6,000 annual miles come in about 33% less expensive than Trumbull. Those who drive 12,000 miles annually can expect to pay around 36% less with Travelers over Trumbull.

Travelers vs. Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a pretty big impact on your monthly auto insurance payment. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Travelers typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable rates from both companies, but Travelers comes out on top with average prices about $136 per month. Travelers also has more affordable average rates for drivers in urban and suburban ZIP codes -- a $122 and $72 per month respective difference when compared to Trumbull policyholders in similar areas.

Travelers vs. Trumbull 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, and the best way to do that is by utilizing as many auto insurance discounts as you can.

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're eligible for.

In the section below, we've broken down all of the different discounts offered by both Travelers and Trumbull so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Travelers knocks Trumbull out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Trumbull's 17.

There are a couple discounts both carriers offer, but Travelers also offers ABS discounts, alternative fuel discounts, continuous insurance discounts, and more that Trumbull does not.

On the flip side, Trumbull has a couple unique discounts of its own -- companion auto discounts, employee discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Travelers or Trumbull Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Travelers or Trumbull the best company for you and your specific needs?

Travelers might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• You are over 65 years old and want to save some money on your insurance.

Trumbull might be best for you if...

• You like the personalized touch of a small, regional company.

We hope this guide has ben a valuable resource as you compare Travelers and Trumbull and that it aids in making a more informed decision about your auto 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 car insurance -- comparing quotes from multiple carriers, not just Travelers and Trumbull. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Travelers vs. Trumbull FAQs

Is Travelers or Trumbull cheaper?

Looking just at the national average prices, Travelers is the less expensive of the two carriers, offering average rates of $167 a month compared to $253 for Trumbull. But Travelers won't necessarily be the lowest carrier for every driver, since there are a range of different variables that are considered when it comes to your car insurance cost.

Who is better, Travelers or Trumbull?

Sadly, the real answer is "it depends.". No single company is "better" for each driver -- it all boils down to your unique insurance profile.

Why do Travelers and Trumbull offer me different rates?

Auto insurance companies take a look at several different factors when determining the rates they charge drivers. Things like your driving record, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both Travelers and Trumbull calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the 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 ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Travelers or Trumbull 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.