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

Quick Facts

• Based on national averages for insurance, Integrity offers significantly more affordable prices than AAA
• AAA offers more discounts than Integrity Insurance
• Integrity offers less expensive average rates for policyholders who may not have much of a commute

AAA vs. Integrity: Which Company has the Cheapest Car Insurance?

Are you considering 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've maybe even narrowed it down to AAA or Integrity as potential options, but which one will offer you cheaper prices?

Looking at nationwide averages, Integrity is quite a bit cheaper than AAA, with premiums averaging $81 per month compared to $314 with AAA.

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

So, if you want to find out which of AAA or Integrity is really the best for you, keep reading to see average premiums for each carrier broken down by a variety of different rate factors.

AAA or Integrity: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your insurance bill than just your home state. Continue reading to see how other factors will affect your rates.

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. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Integrity for their insurance pay nearly $500 less than those who use AAA.

Even so, with both carriers, you'll see your rates decrease significantly by the time drivers turn 25. For example, average premiums for AAA policyholders drop almost 60% and Integrity's prices reduce more than 65% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between AAA and Integrity? Integrity gets the edge here, with average premiums coming in at about $61 monthly compared to AAA's $238.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be less expensive for married policyholders than they are for single policyholders. That's normally because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Integrity is the clear winner for those who are single, with rates around $271 a month cheaper than AAA, on average. The advantage for married drivers with Integrity is also obvious, where drivers save over 75% per month.

AAA vs. Integrity: Average Rates by Gender

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

With AAA, men generally pay nearly $35 a month more than women, and about $10 with Integrity.

Looking at overall affordability, Integrity comes out as the lowest option for both genders, with average rates 74% less for men and 74% cheaper for women.

AAA or Integrity: 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.

Car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability insurance, Integrity typically offers significantly more affordable premiums of $38 compared to AAA's $169. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies around $350 per month cheaper than AAA, on average.

Is AAA or Integrity Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your prices, but is AAA or Integrity more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their rates to go up an average of $86 a month if they get a ticket, while Integrity generally raises premiums about $22 per month, on average.

However, Integrity tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are $150 and $214 less expensive, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

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

Overall, drivers who use Integrity end up with the cheaper prices after an accident, with monthly premiums averaging $84 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. For example, AAA increases average prices by just under $200 a month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable premiums, Integrity tends to be the much cheaper option with average prices of $92 per month compared to $403 from AAA.

How does Credit Score Impact AAA and Integrity Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several policyholders out there.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Integrity. Policyholders with "excellent" credit can save just under 65% compared to AAA, and those with "good" scores can also expect to see savings -- about $173 or 70% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower premiums than AAA when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $222 per month less with Integrity compared to AAA, and those with "poor" scores usually save an average of about $437 a month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Normally, the more miles you put on your car, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Integrity charges. However, there's a small difference in monthly rates for AAA, with drivers who put 6,000 miles on their vehicle annually paying around $13 less each month compared to those who drive 12,000 miles every year. Still, Integrity is the less expensive option for drivers in both categories.

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

Where you call home can have a considerable impact on your monthly insurance payment. Typically, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads in those areas.

Integrity boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Integrity Insurance's average premiums are about $302 less than AAA Insurance. Drivers in suburban ZIP codes pay around $223 less with Integrity compared to AAA. If you live in a rural area, you can expect to save about $173 with Integrity compared to AAA.

AAA vs. Integrity Discounts

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

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

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

AAA blows Integrity away when it comes to the sheer amount of discounts available, offering 33 different discounts to Integrity's 13.

Both carriers offer several of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but AAA also offers AAA discounts, academic discounts, COVID-19 relief discount, and more that Integrity does not.

On the flip side, Integrity has a couple unique discounts of its own -- company car discounts, continuous insurance discounts, life policy discounts, and more.

Final Thoughts: Is AAA or Integrity Best for You?

So, we've broken down the average prices for many of the variables insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best fit for you?

Integrity might be best for you if....

• You have a DUI charge on your record.
• Your home is located in the suburbs.
• You are over 65 years old and want to save some money on your car insurance.

AAA might be best for you if...

• You care about discounts (Aaa offers the most).

We hope this guide helps you get a good idea of the differences between AAA and Integrity. 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just AAA and Integrity. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

AAA vs. Integrity FAQs

Is AAA or Integrity cheaper?

Looking just at the national average rates, Integrity is the cheaper of the two carriers, offering average rates of $81 a month compared to $314 for AAA. But Integrity won't necessarily be the cheapest company for each driver, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Integrity?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do AAA and Integrity offer me different rates?

Car insurance companies take a look at a lot of different variables when calculating the premiums they charge policyholders. Things such as where you park your vehicle, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Integrity calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the auto insurance carrier 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 information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be AAA or Integrity 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.