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

Quick Facts

• Looking at the national averages for auto insurance, Alfa Alliance offers more affordable rates than Integon National
• Alfa Alliance has less expensive prices for policyholders who live in urban areas
• Integon National tends to be a much cheaper option for policyholders who are looking to purchase insurance with a spouse

Alfa Alliance or Integon National: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed it down to Alfa Alliance or Integon National as your top options, but which one has less expensive rates for car insurance?

Looking at nationwide averages, Integon National is around $24 more a month than Alfa Alliance.

However, that doesn't necessarily mean Alfa Alliance will be the cheaper option for each driver. Auto insurance carriers vary their prices depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and tons of other factors. So, at the end of the day, premiums from every company will differ quite a bit from person to person.

So, if you want to find out which of Alfa Alliance or Integon National is really the best for you, keep reading to see average rates for each carrier broken down by many different rate factors.

Alfa Alliance vs. Integon National: Average Car Insurance Rates by State

Alfa Alliance and Integon National only compete against each other in Virginia, where Alfa Alliance offers the cheaper average premiums. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

But there's more to calculating auto insurance prices than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any group on the road. That's generally because teen 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 that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of almost 55% less a month by choosing Alfa Alliance over Integon National.

Even so, both companies will offer you dramatically lower rates once you turn 25. For example, average prices for Alfa Alliance policyholders lower nearly 15% and Integon National's premiums decrease almost 70% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Alfa Alliance and Integon National specifically, which company is best for retired drivers? Alfa Alliance gets the slight edge, with premiums for drivers 65 and older $15 more affordable than the national average for Integon National.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance prices than married couples. That's because policies for married policyholders normally cover several vehicles, which a lot of carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with Alfa Alliance premiums coming in at a quarter less than Integon National's. The advantage for married drivers with Integon National is also obvious, where drivers save nearly 15% per month.

Alfa Alliance or Integon National: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll typically end up paying more for car insurance than women.

With Alfa Alliance, men generally pay about 1% more a month than women., but with Integon National, the difference is closer to 8% per month.

When it comes to the lowest prices for each gender, Alfa Alliance comes out on top for both men and women, with average rates 14% less for men and 7% cheaper for women.

Alfa Alliance vs. 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.

Auto insurance can be a complicated subject for most people. There are lots of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Alfa Alliance has the edge, with average monthly prices coming in at $103. If you want a full coverage policy with the same state minimum limits, Alfa Alliance again has the edge, with policies averaging around $286 a month to Integon National's $308.

Is Alfa Alliance or Integon National Better for Drivers with Spotty Records?

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which carrier -- Alfa Alliance or Integon National -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Alfa Alliance for their auto insurance can usually expect their monthly bill to go up about 18% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of around 35%.

However, Alfa Alliance tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering rates that are 26% and 42% cheaper, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Alfa Alliance drivers who get in a collision can expect to see their premiums rise by $55, while those who have insurance through Integon National will see about a $150 increase.

At the end of the day, drivers who use Alfa Alliance end up with the cheaper prices after an accident, with average prices coming in at $162 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than an accident or speeding ticket. For example, Alfa Alliance increases average premiums by more than $250 per month -- that's more than a 70% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Integon National tends to be more affordable for the average driver, with monthly premiums coming in at around $204 to Alfa Alliance's $378.

How does Credit Score Impact Alfa Alliance and Integon National Rates?

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (for example, are two states that ban the practice entirely), but it does affect lots of policyholders out there.

Auto insurance companies 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 less expensive rates.

Looking specifically at Alfa Alliance and Integon National, which company has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a substantial impact on how much insurance carriers will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a small difference in monthly premiums for Integon National, with drivers who put 6,000 miles on their vehicle each year paying about $2 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Alfa Alliance is the more affordable company.

Alfa Alliance or Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a large role in how much you pay for car insurance. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads where they live.

Alfa Alliance boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Alfa Alliance Insurance's average prices are around 10% less than Integon National Insurance Company. People who live in suburban areas pay about 9% less with Alfa Alliance compared to Integon National. Those in rural areas can expect to save around 15% with Alfa Alliance compared to Integon National.

Alfa Alliance vs. Integon National Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Alfa Alliance and Integon National so that you can see which carrier can save you the most money each month.

Integon National blows Alfa Alliance away when it comes to the sheer amount of discounts available, offering 18 different discounts to Alfa Alliance's 10.

There are a couple discounts both companies offer, but Integon National also offers discounts for ABS, agency transfer, anti-theft, and more.

On the other hand, Alfa Alliance has a few proprietary discounts of their own for things like driver training discounts, intra-agency transfer discounts, and renewal discounts.

Final Thoughts: Is Alfa Alliance or Integon National Best for You?

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best company for you and your specific profile and needs?

Alfa Alliance might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You want the most robust protection via a "full coverage" policy.
• You've started working from home and don't have much of a commute.

Integon National might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.
• You and your spouse are buying car insurance together.

Hopefully, this guide helps you get a good idea of the differences between Alfa Alliance and Integon National. We also hope we've given you the information you need to make the best decision about your auto 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 insurance -- comparing quotes from several carriers, not just Alfa Alliance 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 car insurance companies in your area, all in just a few minutes.

Alfa Alliance vs. Integon National FAQs

Is Alfa Alliance or Integon National cheaper?

Alfa Alliance is the cheaper of the two carriers when looking at national average rates, with policies averaging $194 a month with Alfa Alliance and $218 for Integon National. That being said, that doesn't mean Alfa Alliance will be the cheapest carrier for everyone, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Alfa Alliance or Integon National?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for each policyholder -- it all depends on what your unique insurance profile looks like. For example, Integon National is less expensive for drivers who have less-than-stellar credit scores, while Alfa Alliance offers cheaper prices for policyholders with an at-fault collision on their record.

Why do Alfa Alliance and Integon National offer me different rates?

Car insurance companies use many different variables when calculating the premiums they charge. Things like age, gender, where you live, your driving record, and sometimes even things like your credit score can all be used. Both Alfa Alliance and Integon National use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple 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 quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Alfa Alliance or Integon National 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.