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The Trumbull Insurance Company has been around for a long time. In fact, you may have a Trumbull policy yourself and not even know it. The auto insurer offers its own insurance policies in a few states, and it underwrites plans for The Hartford in others.

In this review, we’ll provide details on Trumbull Insurance Company’s customer service, prices, coverage options, and discounts. Anytime you shop for car insurance, we recommend getting quotes from a few of the best car insurance companies so you can compare coverage and rates. You can get started by entering your zip code into the free tool above.

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Trumbull Insurance Company Overview

Pros Known for cheap rates Strong additional coverages including RecoverCare and New Car Replacement Good selection of discounts
Cons Auto insurance only available in four states Difficult to get quotes online No app or website portal to file claims online

The Trumbull Insurance Company is over 200 years old – that beats most other popular insurance companies on the market. Today, it’s a subsidiary of The Hartford. Because of that, company details are scant and it doesn’t get graded on its own by industry surveys or studies. It also has an AM Best rating of A+.

Trumbull Insurance Company has a number of extra policy options that aren’t typically offered by smaller companies. The provider sells insurance online, through financial institutions, and through independent agents. However, you can’t file a claim online, you must call the insurer. This can be inconvenient for tech-savvy drivers.

Trumbull Insurance Availability

Trumbull Insurance Company offers auto and homeowners insurance in a few states:

This information comes from the Trumbull Insurance Company website, but we wouldn’t be surprised if the provider offered insurance in more states. The website is a bit dated and might not have current information. The Hartford only sells car insurance to AARP members, but it’s unclear if AARP membership is a requirement for Trumbull.

Other Trumbull Insurance Products

The Hartford brokers policies from many insurance agencies around the country, so depending on location, Trumbull offers the following insurance policies:

  • Home insurance
  • Business insurance
  • Workers compensation insurance
  • Life insurance

Trumbull Insurance Company Auto Insurance Coverage

Auto insurance coverage can be confusing to navigate. There are lots of terms we don’t use in everyday life, so it’s important to understand the coverage that you choose. Generally, insurers offer six standard types of auto insurance. You can get all of these from Trumbull Insurance Company as well. They are:

  • Liability insurance (bodily injury and property damage): Compensates other drivers after you cause an accident
  • Comprehensive insurance: Covers damage to your own car after environmental events, theft, and vandalism
  • Collision insurance: Covers damage to your own car after an accident
  • Medical payments (MedPay): Covers your medical bills after an accident
  • Personal injury protection (PIP) insurance: Covers your medical bills, funeral costs, and lost wages after an accident
  • Uninsured/underinsured motorist coverage (UM/UIM): Pays your repair and medical bills if you get hit by a driver without enough coverage

Additional Coverage Options

In addition to these standard options, Trumbull Insurance Company offers a few add-on coverages. These include:

Optional CoverageDetails
12-month rate protectionYour rate stays the same each 12-month period, even if issues come up with your policy such as an at-fault accident.
Lifetime renewabilityYou can renew your auto insurance for as long as you drive, maintain your license, and pay your policy.
New car replacementIf your car is totaled within 15 months or 15,000 miles, you can replace it with the exact same make and model.
RecoverCareThis option can help cover the costs of household services if you can’t perform them after being in an accident.
Lifetime car repair insuranceIf you use one of Trumbull Insurance Company’s authorized repair shops, the company will guarantee the work for as long as you own or lease the car.
Rental coverageThis option pays toward a rental car up to the amount you specify.
Advantage PlusThis package upgrade includes accident forgiveness, a disappearing deductible, and a waiver of not-at-fault deductibles.

Trumbull Insurance Company Costs

Auto insurance companies charge each policyholder based on the risk that the driver poses to the company. Many things impact the Trumbull Insurance Company auto insurance quotes you’ll find, including:

  • Your age
  • Credit score
  • Driving history
  • Recent claims
  • Current driving habits
  • Zip code
  • Coverage limits

Trumbull Insurance Company claims that it can offer cheap auto insurance rates because it doesn’t spend money on TV ads or big marketing campaigns. Unfortunately, we weren’t able to get a quote to test that ourselves.

We tried using the online quote tools for each of the states that Trumbull Insurance Company covers, but each time, it brought us to a comparison tool that showed prices from other companies like Progressive and Allstate. It’s nice to see a price comparison, but we didn’t find quotes for Trumbull there.

Auto Insurance Average Costs

To help you get a better idea of how much you might pay for Trumbull insurance, here are some national averages from top car insurance providers.

Car Insurance Estimates For Good Drivers

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,339

Car Insurance Estimates For Drivers With Poor Credit

Car Insurance CompanyAnnual Rate Estimate
State Farm$3,616

Car Insurance Estimates For Young Drivers

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,765

Trumbull Insurance Company Discounts

Trumbull Insurance Company offers a number of discounts that could save you money on car insurance, including:

  • AARP discount
  • Senior citizen discount
  • Safe driver discount
  • Discount for bundling home and auto insurance in applicable states
  • Multi-car discount
  • Mileage discount
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Trumbull Insurance Company Reviews

Since Trumbull Insurance Company is a subsidiary of The Hartford, its customer service ratings and reviews get lumped in with those of the larger company.

Overall, The Hartford performs pretty well in terms of industry ratings and customer reviews – it has an A+ rating from the BBB. However, the BBB tends to attract negative reviewers, as well. Here are a few examples from the company’s BBB page:

“Dishonest company. Added extra fees to the initial quote at the end of the policy without customer knowledge.” 

– An N. via BBB

“If you are ever involved in an accident and the other driver has this insurance company, lawyer up! … They will try to trick and play games with you even when you are the clear victim of an accident of one of [their] age 50+ drivers.” 

– Jess S. via BBB

“They take advantage [of] people… because they can [harass] older people who would just accept their legal mumbo jumbo even [if] it is illegal in your state. My claim took months to get paid. If I knew, I would have gotten the car fixed on my own.” 

– Asjad A. via BBB

Despite poor reviews, The Hartford saw a below-average number of customer complaints in 2020, according to data from the National Association of Insurance Commissioners (NAIC).

Trumbull Insurance Company: Conclusion

We rate Trumbull Insurance Company 4.0 out of 5.0 stars because of its coverage options and affordable prices. However, its technology is lacking. It could be a decent option for older drivers who have a good claims history and don’t need an app or a fancy website. We recommend looking into other providers as well so that you can get the best coverage.


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Trumbull Insurance Competitors: Top Picks

Generally, it’s a good idea to get a few different car insurance quotes when you shop. You may even see different prices from the same companies you’ve tried in the past.

To help your company search go faster, we’ve reviewed and ranked popular insurers to find the best auto insurance in the industry. When you reach out for a quote from these top companies, make sure to ask an insurance agent about discount opportunities.

State Farm: Best For Students

State Farm is the largest car insurance provider in the nation, and it has a range of options for different drivers. Here are a few highlights of the company:

  • A++ financial strength rating from AM Best
  • A+ rating from the BBB
  • Extra coverages including classic car insurance, rideshare insurance, roadside assistance, and trip interruption coverage
  • Over a dozen discounts including a good student discount of up to 20 percent
  • Above-average performance in J.D. Power’s 2021 U.S. Auto Claims Satisfaction StudySM

Because of its student discount and Steer Clear® app that gives more discounts to young drivers, we think State Farm is the best choice for students overall. That being said, many adults and seniors also find great rates with the company. Read our State Farm car insurance review for more details.

Geico: Best Overall

Geico is another great option for car insurance. The company started out by only serving government employees, but anyone can get coverage from Geico today. Here are a few things we like about Geico:

  • Cheapest option for many drivers
  • A++ financial strength rating from AM Best
  • A+ rating from the BBB
  • Discounts including a 15-percent military discount and an 8-percent discount for federal employees
  • Good performance in the J.D. Power Auto Claims Satisfaction Study
  • Extra coverage options including roadside assistance, classic car insurance, rideshare insurance, rental coverage, and mechanical breakdown insurance

In the modern world, it’s nice to have a tech-minded car insurance company. Geico has one of the highest-rated car insurance apps available and includes a virtual assistant named Kate. That’s something we’d expect from the second-largest car insurance provider in the United States. Check out our Geico car insurance review for more information.

Trumbull Insurance Company: FAQ


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

*Data accurate at time of publication.