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

Quick Facts

• In general, Integon National offers slightly cheaper prices than Alliance United
• Alliance United tends to be a much more affordable option for policyholders whose driving record contains an at-fault collision
• Integon National has less expensive rates for policyholders who are looking to purchase insurance with a spouse

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

Are you in the market for 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've maybe even narrowed it down to Alliance United or Integon National as potential options, but which one will save you the most?

Looking at the national average rates for both carriers, Alliance United is around $7 more a month than Integon National.

That being said, that doesn't mean Integon National will necessarily be cheaper than Alliance United for every driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so premiums will differ quite a bit from person to person.

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

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

Alliance United and Integon National only compete against each other in California, where Integon National offers the cheaper average prices. Integon National drivers tend to pay about $107 per month less on average compared to drivers who use Alliance United for their auto insurance.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your rates. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Alliance United for their insurance pay over 25% less than those who use Integon National.

However, with both companies, you'll see your premiums decrease significantly by the time you turn 25. For example, average prices for Alliance United policyholders drop about $200 and Integon National's rates lower almost $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you can find.

When looking at Alliance United and Integon National specifically, which carrier is best for retired drivers? Integon National gets the edge, with prices for drivers 65 and older more than 10% less expensive than the national average for Alliance United.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single policyholders than they are for married policyholders. This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few auto insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is not very significant, with Alliance United prices coming in at around 6% less than Integon National's. The advantage for married couples is more obvious, where drivers who use Integon National save about $40 a month.

Alliance United or Integon National: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to car insurance men will typically end up paying a little more.

Women and men end up paying same monthly rates with Alliance United, but with Integon National, the difference is closer to 8% per month.

When it comes to the cheapest premiums for each gender, Integon National is the lowest company for women. Rates with Integon National are $16 cheaper for women, while with Alliance United, men can save around $16.

Alliance United 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 a range of different coverages that account for multiple 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability coverage).

When it comes to state minimum liability insurance, Alliance United has the edge, while Integon National offers the most affordable average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $25 with Alliance United, while full coverage comes out to be about $40 more affordable with Integon National Insurance Company.

Is Alliance United 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.

Speeding tickets and at-fault accidents will most likely raise your prices, but is Alliance United or Integon National less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Alliance United for their car insurance can generally expect their monthly bill to go up around 25% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of about 35%.

But Alliance United is usually the more affordable option for drivers both with clean records and with a ticket. With Alliance United, drivers with a clean record can save around $6 a month and drivers with a speeding ticket can save about $38 per month.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Integon National increasing by around 52%. Alliance United has a less extreme climb, but you can still expect to pay more than 50% more than you were prior to your first collision.

At the end of the day, Alliance United offers the cheapest rates for drivers with an at-fault accident on their records, with average premiums coming in at $289 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 auto insurance bill -- normally a lot more than a collision or ticket. Alliance United drivers usually see a 52% increase in their car insurance prices after a DUI charge, while Integon National will typically raise rates by about 29%.

But if you end up with a DUI charge and are looking for more affordable prices, Integon National tends to be cheaper for the average driver, with monthly premiums coming in at around $204 to Alliance United's $289.

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

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for several policyholders.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the lowest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have stellar credit, Integon National Insurance Company will normally reward you. Improving your "good" credit score to an "excellent" one will usually save Integon National Insurance Company customers about $15. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit typically means you'll also see higher premiums with Integon National Insurance Company. For drivers with less-than-stellar credit, at Integon National Insurance Company, you may pay around 10% a 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. Because undefined doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Integon National Insurance Company.

Is Alliance United 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 your monthly premiums? Generally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing an accident and filing an insurance claim.

Looking specifically at Integon National and Alliance United, Integon National is the less expensive option for people with short commutes, while Integon National has better rates for those who work from home. Alliance United's average premiums for drivers with 6,000 annual miles come in 1% cheaper than Integon National. Those who drive 12,000 miles annually can expect to pay nearly 10% less with Integon National over Alliance United.

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

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

When comparing these two companies side-by-side, Integon National tends to offer the most affordable option for drivers in rural and urban areas, while Alliance United wins in suburban areas.

If you live in a rural area, you can expect to pay about $175 monthly with Integon National and $206 with Alliance United. People in suburban areas pay around $239 with Alliance United compared to Integon National's $256 a month. In urban areas, Integon National's average rates are about $223 per month compared to Alliance United's $230.

Alliance United vs. Integon National 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, and the best way to do that is by taking advantage of 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 hard to find all the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Alliance United and Integon National so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Integon National knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than Alliance United.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for being a good driver. Integon National also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Alliance United has a proprietary discount of their own -- a renewal discounts.

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

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, is Alliance United or Integon National the right carrier for you and your specific needs?

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

• Your driving record includes a DUI charge.
• You're looking for the carrier with the most discounts.
• You're of retirement age and want to take advantage of lower rates.

Alliance United might be best for you if...

• You've been pulled over for speeding recently.
• You want to save money on your car insurance after a collision.
• You drive fewer than 6,000 miles each year.

Hopefully, this guide has ben a valuable resource as you compare Alliance United and Integon National and that it aids in making a more informed 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 companies, not just Alliance United and Integon National. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Alliance United vs. Integon National FAQs

Is Alliance United or Integon National cheaper?

Integon National is the more affordable of the two companies when looking at national average prices, with policies averaging $218 a month with Integon National and $225 for Alliance United. Even so, that doesn't mean Integon National will be the cheapest company for everyone, since there are several different variables that come into play when it comes to your auto insurance cost.

Who is better, Alliance United or Integon National?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Integon National is cheaper for drivers who have less-than-stellar credit scores, while Alliance United offers less expensive premiums for drivers with an at-fault collision on their record.

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

Car insurance carriers use a lot of different factors when determining the prices they charge. Variables like your driving record, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both Alliance United and Integon National calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Alliance United 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.