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

Quick Facts

• In general, Allstate offers slightly less expensive rates than Integon National
• Allstate offers more affordable prices for residents of urban areas
• Integon National offers more affordable rates for residents in California, North Carolina, Virginia, and Washington

Allstate vs. Integon National: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Allstate or Integon National for your next policy, but between the two, which one will save you the most?

Looking at nationwide averages, Allstate is about $19 per month cheaper than Integon National.

But that doesn't mean Allstate will necessarily be more affordable than Integon National for each driver. Auto insurance companies vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and a ton of other factors, so premiums will vary quite a bit from person to person.

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

Allstate or Integon National: Average Car Insurance Rates by State

Allstate and Integon National compete against each other in four states, with Integon National offering less expensive premiums to the average driver in all of them. If you live in Virginia or Washington, Allstate is the cheaper of the two carriers when looking at the overall average prices. Integon National is the more affordable option in California and North Carolina.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Allstate for their insurance pay nearly $100 less than those who use Integon National.

Even so, both companies will offer you dramatically lower prices once you turn 25. For example, average rates for Allstate policyholders drop almost $300 and Integon National's prices reduce around $400 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 cheapest rates you'll ever find.

So, which carrier offers the best premiums to retired drivers? Allstate gets the edge, with prices for drivers 65 and older $18 cheaper than the national average for Integon National.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more affordable for married drivers than they are for single drivers. This usually boils down to married couples having several cars on their policy -- something lots of car insurance carriers will reward with discounts.

When it comes to relationship status, Allstate is the clear winner for those who are single, with premiums about $36 a month less expensive than Integon National, on average. But for married policyholders, that advantage is much less clear - Integon National offers the lowest average rates , but the difference is less than $5.

Allstate vs. Integon National: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they run a larger risk of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

Normally, men see premiums nearly $10 per month higher with Allstate, and around $18 more with Integon National.

When it comes to the most affordable prices for each gender, Allstate comes out on top for both men and women, with average rates 11% less for men and 7% cheaper for women.

Allstate or 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.

It's no secret that 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 vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Allstate normally offers cheaper prices of $108 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $20 a month less expensive than Integon National, on average.

Is Allstate or Integon National 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the cheapest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while Integon National generally raises premiums around $78 a month, on average.

If you have a clean record, Integon National tends to offer the best prices at about 7% more affordable, while Allstate has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Integon National increasing by over $150. Allstate has a less extreme climb, but you can still expect to pay just under $75 more than you were prior to your first collision.

Overall, the cheaper premiums come from Allstate, with monthly prices averaging $229 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 ticket or even an accident. For example, Allstate increases average premiums by more than $70 per month -- that's over a 30% increase.

If you have a DUI on your record and are looking for more affordable prices, Integon National tends to be the much more affordable option with average rates of $204 a month compared to $227 from Allstate.

How does Credit Score Impact Allstate and Integon National Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for several drivers.

Car 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, policyholders with good credit will often be rewarded with less expensive premiums.

Looking specifically at Allstate and Integon National, which company has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Allstate. Policyholders with "excellent" credit can save just under 30% compared to Integon National, and those with "good" scores can also expect to see savings -- around $42 or 20% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

If you have a below average credit score, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about $28 less with Allstate than Integon National, but those whose credit is considered "poor" have it flipped -- saving around $14 a month with Integon National.

Is Allstate or Integon National 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 auto insurance bill. Usually, those who drive less will end up with more affordable rates since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Allstate tends to be the less expensive option. Integon National average prices for drivers with 6,000 annual miles come in about $20 more expensive than Allstate. Those who drive 12,000 miles every year can expect to pay around $19 more with Integon National over Allstate.

Allstate vs. 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 car insurance, but the type of area you live in can have a large impact as well. Generally, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

Allstate boasts the lowest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable premiums from both carriers, but Allstate comes out on top with average prices about $174 monthly. Allstate also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a $1 and $57 per month respective difference when compared to Integon National policyholders in similar areas.

Allstate vs. Integon National Discounts

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

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're eligible for.

Below, we've taken a look at all of the different discounts Allstate and Integon National offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate blows Integon National away when it comes to the sheer amount of discounts available, offering 22 more discounts than Integon National.

There are a couple discounts both companies offer, but Allstate also offers alert driving discounts, annual mileage discounts, COVID-19 relief discount, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- drug and alcohol awareness discounts, group discounts, and low cost coverage discounts.

Final Thoughts: Is Allstate or Integon National Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which carrier is the best carrier for you and your specific needs?

Allstate might be best for you if....

• You've been pulled over for speeding recently.
• You live in an suburban area.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Integon National might be best for you if...

• You like the personalized touch of a small, regional company.
• You have a DUI charge on your record.
• You are purchasing your insurance with a spouse.

We hope this guide has ben a valuable resource as you compare Allstate and Integon National and that it aids in making a more informed 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 car insurance policy is to compare quotes from several companies, not just Allstate and Integon National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Allstate vs. Integon National FAQs

Is Allstate or Integon National cheaper?

Looking just at the national average prices, Allstate is the less expensive of the two companies, offering average rates of $199 a month compared to $218 for Integon National. That being said, Allstate won't necessarily be the cheapest carrier for each policyholder, since there are a bunch of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Integon National?

Unfortunately, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Integon National offers cheaper rates for drivers with a recent DUI, while Allstate is more affordable for drivers with excellent credit.

Why do Allstate and Integon National offer me different rates?

Car insurance carriers take a look at many different variables when calculating the prices they charge drivers. Factors such as gender, age, your driving record, where you park your car, and sometimes even things like your credit score can all come into play. Both Allstate and Integon National use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Allstate 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 carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Allstate or Integon National 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.