Allied Property & Casualty vs. Integon National: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Allied Property & Casualty offers significantly more affordable rates than Integon National
• Allied Property & Casualty offers more affordable premiums for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Integon National may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty or Integon National: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Allied Property & Casualty or Integon National as your top options, but between the two, which one has less expensive prices for insurance?

Looking at nationwide averages, Integon National is quite a bit more expensive than Allied Property & Casualty, with rates averaging $218 a month compared to just $118 with Allied Property & Casualty.

Even so, Allied Property & Casualty may not be the most affordable or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so premiums could vary drastically from person to person.

Wanting to know if Allied Property & Casualty or Integon National is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Allied Property & Casualty vs. Integon National: Average Car Insurance Rates by State

Allied Property & Casualty and Integon National only compete against each other in one states, with Integon National offering cheaper prices to the average driver in all of them. North Carolina has the most noticable difference, where Integon National premiums are $20 more affordable than auto insurance rates at Allied Property & Casualty.

But there's more to calculating insurance premiums than just the state you live in. Read on to find out 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 teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Allied Property & Casualty save over 55% per month compared to those who use Integon National.

That being said, both companies will drop premiums by the time drivers turn 25. Integon National offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Allied Property & Casualty still has the cheapest prices at $110 a month.

Which is the Best Company for Retired Drivers?

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

When looking at Allied Property & Casualty and Integon National specifically, which company is best for retired drivers? Allied Property & Casualty gets the edge, with prices for drivers 65 and older $81 less expensive than the national average for Integon National.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married policyholders. That's generally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Allied Property & Casualty prices coming in at around half of Integon National's. The advantage is also clear for married drivers - Allied Property & Casualty offers the most affordable average rates.

Allied Property & Casualty or Integon National: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll typically end up paying more for auto insurance than women.

Women usually pay about 5% a month less than men with Allied Property & Casualty, and almost 10% less with Integon National when compared to their male counterparts.

Looking at overall affordability, Allied Property & Casualty offers the cheapest average prices for both men and women. On average, women save about $94 per month and men save around $106 with Allied Property & Casualty compared to the average Integon National policyholder.

Allied Property & Casualty 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

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 and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Allied Property & Casualty has the significant edge, with average monthly premiums coming in at $69. If you want a full coverage policy with the same state minimum limits, Allied Property & Casualty again has the edge, with policies averaging about $167 a month to Integon National's $308.

Is Allied Property & Casualty 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 collisions lead to higher rates, but which carrier -- Allied Property & Casualty or Integon National -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their auto insurance can normally expect their monthly bill to go up around 21% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of about 35%.

However, Allied Property & Casualty has cheaper premiums for drivers in both categories. With Allied Property & Casualty Insurance Company, drivers with a clean record can save around $68 per month and drivers with a ticket can save about $125 a month.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Integon National increasing by around 52%. Allied Property & Casualty has a less extreme rise, but you can still expect to pay more than 35% more than you were prior to your first accident.

At the end of the day, drivers who use Allied Property & Casualty end up with the cheaper prices after an accident, with average prices coming in at $119 compared to Integon National Insurance Company's $300.

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 speeding ticket or even a collision. Allied Property & Casualty drivers usually see a 57% raise in their insurance rates after a DUI charge, while Integon National will generally climb premiums by about 29%.

But if you end up with a DUI charge and are looking for more affordable prices, Allied Property & Casualty tends to be more affordable for the average driver, with monthly premiums coming in at around $179 to Integon National's $204.

How does Credit Score Impact Allied Property & Casualty and Integon National Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (California, for example, has banned the use of credit score as an auto insurance factor) but it does affect quite a few drivers out there.

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

So, which company offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty 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 auto insurance carriers will charge for coverage? Typically, the more milage you put on your vehicle each year, 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 Allied Property & Casualty charges. However, there's a small difference in monthly rates for Integon National, with policyholders who drive 6,000 miles yearly paying about $2 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Allied Property & Casualty is the less expensive carrier.

Allied Property & Casualty or 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 insurance, but the type of area you live in can have a large impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Allied Property & Casualty usually comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 33% with Allied Property & Casualty compared to Integon National. People who live in suburban areas pay about 53% less with Allied Property & Casualty compared to Integon National. For policyholders in urban ZIP codes, Allied Property & Casualty Insurance Company's average rates are around 48% less than Integon National Insurance Company.

Allied Property & Casualty vs. Integon National Discounts

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

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

Luckily, we did the hard work for you and looked at all of the different discounts Allied Property & Casualty and Integon National offer their customers so that you can see which company can save you the most money each month.

Overall, Integon National comes out ahead with 18 discounts to Allied Property & Casualty's 16.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, discounts for being a good student, and discounts for insuring multiple cars with the same company. Integon National also offers discounts for ABS, agency transfer, anti-theft, and more.

On the other hand, Allied Property & Casualty has a few proprietary discounts of their own for things like distant student discounts, employee discounts, intra-agency transfer discounts, and more.

Final Thoughts: Is Allied Property & Casualty or Integon National Best for You?

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best carrier for you and your specific driver profile?

Allied Property & Casualty might be best for you if....

• You have received a ticket within the last few years.
• You're looking for the best rates on liability only coverage.
• You don't spend much time in your car.

Integon National might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Allied Property & Casualty and Integon National and that you can now make a more informed decision when it comes to 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 companies, not just Allied Property & Casualty and Integon National. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. Integon National FAQs

Is Allied Property & Casualty or Integon National cheaper?

Allied Property & Casualty is the cheaper of the two companies when looking at national average premiums, with policies averaging $118 per month with Allied Property & Casualty and $218 for Integon National. Even so, that doesn't mean Allied Property & Casualty will be the most affordable carrier for everyone, since there are several different factors that are considered when it comes to your insurance cost.

Who is better, Allied Property & Casualty or Integon National?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Allied Property & Casualty and Integon National offer me different rates?

Car insurance carriers use a lot of different variables when determining the prices they charge. Things like where your home is, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Integon National calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different companies.

How do I know if Allied Property & Casualty or Integon National is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers 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 area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Allied Property & Casualty 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.