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

Quick Facts

• Looking at the national averages for auto insurance, Integrity offers significantly cheaper rates than Acuity
• Integrity tends to be a much less expensive option for policyholders who live in urban areas
• Integrity offers more affordable average premiums for policyholders who are looking to purchase insurance with a spouse

Acuity or Integrity: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might have narrowed it down to Acuity or Integrity for your next policy, but between the two, which one will save you the most?

Looking at nationwide averages, Integrity is quite a bit cheaper than Acuity, with prices averaging $81 a month compared to $313 with Acuity.

However, that doesn't mean Integrity will necessarily be cheaper than Acuity for each driver. Car insurance carriers use tons of complex algorithms to determine premiums, so depending on where you live or how clean your driving record is (among numerous other factors), you could see wildly different rates from the ones above.

Wanting to know if Acuity or Integrity is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Acuity vs. Integrity: Average Car Insurance Rates by State

Acuity and Integrity only compete against each other in one states, with Integrity offering more affordable prices to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity rates are $185 less expensive than auto insurance prices at Acuity.

That being said, there's a lot more that goes into your insurance payment than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's because teen 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 insurance rates. As you can see above, teens who use Integrity save over 80% per month compared to those who use Acuity.

Even so, both companies will reduce premiums once you turn 25. For example, average rates for Acuity policyholders lower more than 75% and Integrity's prices drop over 65% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums out there.

When looking at Acuity and Integrity specifically, which carrier is best for retired drivers? Integrity gets the edge, with rates for drivers 65 and older $122 more affordable than the national average for Acuity.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally more expensive for single policyholders than they are for married policyholders? That's generally because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with Integrity premiums coming in at around a quarter of Acuity's. The advantage for married couples with Integrity is also obvious, where drivers save more than 70% a month.

Acuity or Integrity: Average Rates by Gender

Did you know men typically pay more for car insurance than women? This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

With Acuity, women generally pay about 6% per month less than men, but with Integrity, the difference is closer to 9% a month.

Looking at the data for each company specifically, Integrity offers the cheapest average prices for both men and women. On average, male drivers save about $238 per month and women save around $227 with Integrity compared to the average Acuity policyholder.

Acuity vs. 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.

It's no secret that insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Integrity has the significant edge, with average monthly premiums coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging about $124 a month to Acuity's $454.

Is Acuity or Integrity Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two companies offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Acuity for their car insurance can typically expect their monthly bill to go up around 29% after getting a speeding ticket. Integrity policyholders can expect a less drastic increase of about 26%.

That being said, Integrity tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are $166 and $238 cheaper, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Acuity can expect to see around an $115 -- or about 33% -- rise in their insurance premiums. Drivers who use Integrity for their auto insurance will see a monthly bill around $21 (or 25%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, drivers who use Integrity end up with the cheaper prices after an accident, with average prices coming in at $84 compared to Acuity Insurance's $344.

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 speeding ticket when it comes to your insurance bill. Acuity drivers usually see a 36% raise in their auto insurance rates after a DUI charge, while Integrity will usually increase prices by about 32%.

But if you end up with a DUI charge and are looking for more affordable rates, Integrity tends to be less expensive for the average driver, with monthly premiums coming in at around $92 to Acuity's $357.

How does Credit Score Impact Acuity and Integrity Rates?

Did you know many car insurance carriers take into account your credit score when determining premiums? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it will come into play for several drivers.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Acuity and Integrity, which company has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Integrity will normally reward you the most. For drivers with "excellent" credit scores, Integrity comes in more than 75.19 more affordable. Drivers with "good" credit scores typically save about 74% with Integrity compared to average premiums from Acuity.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than Acuity when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 74% per month less with Integrity compared to Acuity, and those with "poor" scores usually save an average of about 74% a month.

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

How much you drive can have a substantial impact on how much auto insurance companies will charge for coverage. Normally, the more milage you put on your car, the more you can expect to pay for insurance.

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 pretty significant difference in monthly premiums for Acuity, with policyholders who drive 6,000 miles yearly paying around $33 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Integrity is the cheaper company.

Acuity or Integrity: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a sizable impact on your monthly car insurance bill. Generally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

Integrity boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $170 with Integrity compared to Acuity. People who live in suburban areas pay around $235 less with Integrity compared to Acuity. For drivers in urban ZIP codes, Integrity Insurance's average prices are about $292 less than Acuity Insurance.

Acuity vs. Integrity Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Acuity and Integrity offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Integrity comes out ahead with 13 discounts to Acuity's nine.

A couple of those are overlapping for things like continuous insurance discounts, discounts for being a defensive driver, and discounts for being a good student. Integrity also offers discounts for advance quote, anti-theft, company car, and more.

On the other hand, Acuity has a few proprietary discounts of their own for things like college graduate discounts, COVID-19 relief discount, and good driving discounts.

Final Thoughts: Is Acuity or Integrity Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Acuity or Integrity the best carrier for you, your vehicle, and your wallet?

Integrity might be best for you if....

• Your credit is below-average.
• You're looking for the best premiums on liability only coverage.
• You have a short commute.

Acuity might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Acuity and Integrity and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Acuity and Integrity. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Acuity vs. Integrity FAQs

Is Acuity or Integrity cheaper?

Integrity is the less expensive of the two carriers when looking at national average rates, with policies averaging $81 a month with Integrity and $313 for Acuity. However, that doesn't mean Integrity will be the lowest company for each policyholder, since there are a range of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Acuity or Integrity?

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

Why do Acuity and Integrity offer me different rates?

Insurance companies use quite a few different factors when calculating the prices they charge. Things like where you live, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Integrity use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car 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, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Acuity or Integrity at all, but another you hadn't even thought of!

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.