AAA vs. Integon National: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Integon National offers significantly less expensive rates than AAA
• AAA offers more discounts than Integon National Insurance Company
• Integon National tends to be a much cheaper option for policyholders who drive a short distance to work everyday

AAA vs. Integon National: 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 large discounts. But exactly how much can you save by switching?

You might have narrowed your search down to AAA or Integon National for your next policy, but which one has more affordable premiums for insurance?

As you can see, AAA is quite a bit more expensive than Integon National, with prices averaging $314 per month compared to just $218 with Integon National when looking at the national average rates for car insurance.

However, that doesn't necessarily mean Integon National will be the cheaper option for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both AAA and Integon National by a variety of different rate factors, so read on to find out which company is the best for you.

AAA or Integon National: Average Car Insurance Rates by State

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

But there's more to calculating auto insurance premiums than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Integon National save nearly $150 a month compared to those who use AAA.

But with both carriers, you'll see your prices lower significantly by the time you turn 25. Integon National offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. AAA's average rates reduce almost 60% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest insurance prices you'll ever find. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase rates.

When looking at AAA and Integon National specifically, which carrier is best for retired drivers? Integon National gets the edge here, with average premiums coming in at about $170 monthly compared to AAA's $238.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for those who are single than they are for married policyholders. That's because policies for married drivers typically cover multiple cars, which several companies will offer you a discount for.

When it comes to relationship status, Integon National is the clear winner for single policyholders, with premiums around $102 per month more affordable than AAA, on average. The advantage for married couples with Integon National is also obvious, where drivers save more than $85 a month.

AAA vs. Integon National: Average Rates by Gender

You may not know, but insurance is generally more expensive for men than for women. This is because men are more likely to get into collisions and get tickets, which increases the chances of an insurance claim.

Women typically pay over 10% per month less than men with AAA, and about 8% less with Integon National.

Looking at overall affordability, Integon National comes out as the most affordable option for both genders. On average, male drivers save about $104 a month and women save around $88 with Integon National compared to the average AAA policyholder.

AAA 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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing 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 property damage and injuries if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Integon National usually offers less expensive prices of $128 compared to AAA's $169. When it comes to full coverage policies with similar limits, Integon National again has the edge, with policies about $150 per month cheaper than AAA, on average.

Is AAA or Integon National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums 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 at-fault collisions and tickets lead to higher prices, but which company -- AAA or Integon National -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their premiums to go up an average of $86 a month if they get a ticket, while Integon National typically raises prices around $78 per month, on average.

Even so, Integon National tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are $68 and $76 more affordable, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

AAA drivers who get in a collision can expect to see their prices rise by just under $150, while those who have insurance through Integon National will see about a $150 increase.

Overall, Integon National offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $300 compared to AAA Insurance's $339.

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. On average, AAA will raise your premiums around 47% after a DUI, while Integon National's average prices climb by just under 30%.

If you have a DUI on your record and are looking for more affordable rates, Integon National tends to be the much less expensive option with average prices of $204 a month compared to $403 from AAA.

How does Credit Score Impact AAA and Integon National Rates?

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

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper premiums.

So, which carrier offers the best prices 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 AAA for an "excellent" credit score. Drivers with "excellent" credit can save nearly 10% compared to Integon National, while those with "good" scores can expect to see better savings from Integon National -- about $33 or 13% less expensive than AAA each month.

Which Company is Best for Drivers with Bad Credit?

Integon National typically offers lower rates than AAA when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $73 a month less with Integon National compared to AAA, and those with "poor" scores generally save an average of about $278 per month.

Is AAA or Integon National Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on how much insurance companies will charge for coverage? That's because the fewer miles you put on your vehicle each year, the less 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, Integon National tends to be the more affordable option. AAA average premiums for drivers with 6,000 annual miles come in around $90 more expensive than Integon National. Those who drive 12,000 miles every year can expect to pay about $101 more with AAA over Integon National.

AAA vs. Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a big impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Integon National boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable premiums from both carriers, but Integon National comes out on top with average prices around $175 a month. Integon National also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 42% and 15% per month respective difference when compared to AAA policyholders in similar areas.

AAA vs. Integon National Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by AAA and Integon National so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

AAA blows Integon National away when it comes to the sheer amount of discounts available, offering 15 more discounts than Integon National.

A couple of those are overlapping for things like anti-theft discounts, EFT discounts, discounts for being a good driver, and discounts for being a homeowner. AAA also offers AAA discounts, academic discounts, COVID-19 relief discount, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- ABS discounts, agency transfer discounts, DRL discounts, and more.

Final Thoughts: Is AAA or Integon National Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've broken down the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best fit for you?

Integon National might be best for you if....

• You have a clean record.
• You're looking for more protection with "full coverage" insurance.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

AAA might be best for you if...

• You're looking for discounts -- Aaa has the most.

We hope this guide has ben a valuable resource as you compare AAA and Integon National. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just AAA and Integon National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

AAA vs. Integon National FAQs

Is AAA or Integon National cheaper?

Looking just at the national average rates, Integon National is the more affordable of the two companies, offering average rates of $218 a month compared to $314 for AAA. However, Integon National won't necessarily be the cheapest company for each driver, since there are many different variables that come into play when it comes to your auto insurance payment.

Who is better, AAA or Integon National?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for every driver -- it all depends on what your unique insurance profile looks like. For example, Integon National offers less expensive premiums for drivers with a recent DUI, while AAA is cheaper for drivers with excellent credit.

Why do AAA and Integon National offer me different rates?

Car insurance carriers take a look at lots of different factors when determining the rates 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 be taken into consideration. Both AAA and Integon National calculate premiums using different factors, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if AAA or Integon National is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be AAA 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.