21st Century vs. Integon National: Which Company is the Best Fit for You?

Quick Facts

• In general, 21st Century offers significantly less expensive prices than Integon National
• 21st Century offers more affordable rates for drivers who have an at-fault accident on their record
• Integon National tends to be a much more affordable option for drivers who have less-than-stellar credit

21st Century vs. Integon National: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to 21st Century or Integon National, but which company will offer you cheaper prices?

As you can see, Integon National has average rates that are about 35% per month more expensive than those from 21st Century when looking at the national average rates for car insurance.

However, that doesn't mean 21st Century will necessarily be more affordable than Integon National for every single driver. Insurance companies vary their premiums depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and all sorts of other factors, so rates will differ quite a bit from person to person.

Wanting to know if 21st Century or Integon National is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

21st Century or Integon National: Average Car Insurance Rates by State

21st Century and Integon National only compete against each other in one states, with Integon National offering less expensive rates to the average driver in all of them. California has the most noticable difference, where Integon National premiums are over 70% cheaper than auto insurance prices at 21st Century.

That being said, there's a lot more that goes into your car insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for 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.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have 21st Century for their auto insurance pay more than $300 less than those who use Integon National.

But both carriers will reduce rates by the time you turn 25. Integon National offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, 21st Century still has the most affordable prices at $144 monthly.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between 21st Century and Integon National? 21st Century gets the edge, with premiums for drivers 65 and older nearly 30% less expensive than the national average for Integon National.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable car insurance prices than single drivers. This usually boils down to married couples having more than one car on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, 21st Century is the clear winner for those who are single, with rates around $109 a month cheaper than Integon National, on average. The advantage is also clear for married drivers - 21st Century offers the lowest average prices.

21st Century vs. Integon National: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they have an increased chance of filing a claim with insurance. Therefore, men tend to get higher rates than women.

With 21st Century, both genders end up paying the same monthly price, and about 8% less with Integon National.

Looking at overall affordability, 21st Century comes out as the cheapest option for both genders. On average, women save about $63 per month and men save around $81 with 21st Century compared to the average Integon National policyholder.

21st Century or Integon National: 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, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum limits for liability insurance, 21st Century typically offers significantly less expensive premiums of $79 compared to Integon National's $128. When it comes to full coverage policies with similar limits, 21st Century again has the edge, with policies about $95 a month cheaper than Integon National, on average.

Is 21st Century or Integon National 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.

Tickets and at-fault accidents will most likely raise your rates, but is 21st Century or Integon National more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century policyholders can expect their prices to go up an average of $24 per month if they get a ticket, while Integon National usually raises premiums around $78 a month, on average.

But 21st Century is generally the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 36% more affordable for drivers with clean records and 48% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through 21st Century can expect to see about an $80 -- or around 46% -- increase in their insurance prices. Drivers who use Integon National for their car insurance will see a monthly bill about $155 (or 52%) more expensive after reporting a collision to their insurance company.

Overall, the less expensive rates come from 21st Century, with monthly premiums averaging $173 compared to Integon National Insurance Company's $300.

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 ticket or even an accident. 21st Century drivers usually see a 54% climb in their auto insurance rates after a DUI charge, while Integon National will typically increase premiums by around 29%.

If you have a DUI on your record and are looking for more affordable prices, 21st Century tends to be the much cheaper option with average rates of $200 a month compared to $204 from Integon National.

How does Credit Score Impact 21st Century and Integon National Rates?

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

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

Looking specifically at 21st Century and Integon National, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have fantastic credit. With Integon National Insurance Company, improving your score from "good" to "excellent" will usually save you about $15. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Integon National Insurance Company. For drivers with less-than-stellar credit, at Integon National Insurance Company, you may pay around 10% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with undefined over Integon National Insurance Company.

Is 21st Century or Integon National Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on how much auto insurance carriers will charge for coverage. That's because the more miles you put on your car each year, 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, 21st Century offers cheaper rates than Integon National. Integon National's average premiums for drivers with 6,000 annual miles come in just under $80 more expensive than 21st Century. Those who drive 12,000 miles each year can expect to pay over $65 more with Integon National over 21st Century.

21st Century vs. Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly insurance payment. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the roads in those areas.

21st Century tends to offer the most affordable prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, 21st Century offers premiums about $151 per month compared to Integon National's $223. People who live in suburban ZIP codes can expect to pay around $145 a month for 21st Century and $256 for Integon National. Lastly, those in rural areas tend to get the cheapest rates from both companies, with average monthly prices coming in at $141 and $175 for 21st Century and Integon National respectively.

21st Century vs. Integon National Discounts

Regardless of 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 possible. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Below, we've compared all of the different discounts offered by 21st Century and Integon National so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Integon National has the advantage when it comes to total number of discounts. 21st Century offers a grand total of 13 discounts, while Integon National has 18.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts. Integon National also offers agency transfer discounts, DRL discounts, drug and alcohol awareness discounts, and more that 21st Century does not.

On the flip side, 21st Century has a couple unique discounts of its own -- deluxe discounts, paperless discounts, and seat belt discounts.

Final Thoughts: Is 21st Century or Integon National Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right fit for you?

21st Century might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You're looking for more protection with "full coverage" insurance.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Integon National might be best for you if...

• You have below-average credit.
• You already have a great credit score.
• You're looking for discounts -- Integon National has the most.

We hope this guide has ben a valuable resource as you compare 21st Century and Integon National. We also hope we've given you the information you need to make the best decision about your 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 auto insurance -- comparing quotes from multiple carriers, not just 21st Century and Integon National. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

21st Century vs. Integon National FAQs

Is 21st Century or Integon National cheaper?

Looking just at the national average premiums, 21st Century is the more affordable of the two carriers, offering average rates of $146 per month compared to $218 for Integon National. Even so, 21st Century won't necessarily be the most affordable carrier for every driver, since there are many different variables that come into play when it comes to your auto insurance bill.

Who is better, 21st Century or Integon National?

Unfortunately, the real answer is "it depends.". One company is not "better" for each driver -- it all depends on the makeup of your unique car insurance profile. For example, 21st Century offers less expensive prices for drivers with a recent DUI, while Integon National is cheaper for drivers with excellent credit.

Why do 21st Century and Integon National offer me different rates?

Auto insurance companies take a look at lots of different factors when determining the premiums they charge drivers. Variables such as your driving record, gender, where you park your car, age, and sometimes even things like your credit score can all come into play. Both 21st Century and Integon National use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if 21st Century or Integon National 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, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be 21st Century or Integon National 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.