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

Quick Facts

• Based on national averages for auto insurance, Integrity offers significantly less expensive rates than Allstate
• Allstate offers more discounts than Integrity Insurance
• Integrity has more affordable premiums for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Allstate or Integrity as potential options, but which one will save you the most?

As you can see, Allstate is quite a bit more expensive than Integrity, with rates averaging $199 per month compared to just $81 with Integrity when looking at the national average rates for insurance.

However, that doesn't necessarily mean Integrity will be the cheaper option for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things). 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 Allstate or Integrity is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

Allstate or Integrity: Average Car Insurance Rates by State

Allstate and Integrity only compete against each other in two states, with Integrity offering more affordable rates to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity prices are over 70% less expensive than car insurance premiums at Allstate.

That being said, there are plenty of other factors that go into your auto insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Integrity save more than $250 a month compared to those who use Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to Integrity's two, which can skew the average prices a bit, but the difference here is still considerable.

Even so, both carriers will drop rates once you turn 25. Integrity offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Allstate's average premiums lower nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Allstate and Integrity? Integrity gets the edge here, with average prices coming in at about $61 per month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally cheaper for married policyholders than they are for single policyholders? That's because policies for married drivers usually cover several cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Integrity is the clear winner for those who are single, with rates around $133 per month less expensive than Allstate, on average. The advantage for married couples with Integrity is also obvious, where drivers save over $95 a month.

Allstate vs. Integrity: Average Rates by Gender

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

With Allstate, men generally pay almost $10 per month more than women, while with Integrity, the difference is closer to $8 a month.

Looking at overall affordability, Integrity comes out on top for both men and women, with average premiums $118 less for men and $117 cheaper for women.

Allstate or 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 auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, Integrity normally offers significantly more affordable prices of $38 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies about $150 per month cheaper than Allstate, on average.

Is Allstate or Integrity 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.

At-fault collisions and tickets will most likely raise your rates, but is Allstate or Integrity less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 a month if they get a ticket, while Integrity usually raises premiums around $22 per month, on average.

That being said, Integrity has cheaper rates for drivers in both categories, offering prices that are 60% and 54% more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Allstate increasing by just under $75. Integrity has a less extreme climb, but you can still expect to pay over $20 more than you were prior to your first collision.

Overall, the cheaper premiums come from Integrity, with monthly rates averaging $84 compared to Allstate's $229.

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 an accident. On average, Allstate will raise your prices about 31% after a DUI, while Integrity's average premiums climb by over 30%.

Integrity has the overall lowest prices for drivers with a DUI on their records at $92 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just two for Integrity, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Integrity Rates?

Did you know that many auto insurance companies take your credit score into account when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

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

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

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Integrity. Drivers with "excellent" credit can save more than 55% compared to Allstate, and those with "good" scores can also expect to see savings -- around $98 or 57% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than Allstate when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $121 a month less with Integrity compared to Allstate, and those with "poor" scores typically save an average of around $173 a month.

Is Allstate or Integrity 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 pretty big impact on your monthly premiums? Generally, those who drive less will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

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 small difference in monthly rates for Allstate, with drivers who put 6,000 miles on their vehicle yearly paying about $3 less each month compared to those who drive 12,000 miles every year. Still, Integrity is the less expensive option for drivers in both categories.

Allstate vs. Integrity: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for car insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the road in those areas, which reduces the chances of an accident.

When comparing these two carriers side-by-side, Integrity usually comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Integrity's average prices are around $82 while Allstate offers premiums about $222. People in suburban areas pay around $78 with Integrity compared to Allstate's $199 monthly. Those in rural areas can expect to pay about $83 per month with Integrity compared to Allstate's $174.

Allstate vs. Integrity Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

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.

In the table below, we've compared all of the different discounts offered by Allstate and Integrity so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Integrity out of the park when it comes to the sheer number of discounts available, offering 27 more discounts than Integrity.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and discounts for insuring multiple cars with the same company. Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Integrity does not.

On the flip side, Integrity has a couple unique discounts of its own -- company car discounts, continuous insurance discounts, group discounts, and more.

Final Thoughts: Is Allstate or Integrity Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance carrier is the best fit for you?

Integrity might be best for you if....

• You have a speeding ticket on your driving record.
• Your home is in a busy urban area.
• You have a short commute.

Allstate might be best for you if...

• You value the experience that comes with a large national insurance company.
• You're looking for discounts -- Allstate has the most.

We hope this guide has ben a valuable resource as you compare Allstate and Integrity. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Allstate and Integrity. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Allstate vs. Integrity FAQs

Is Allstate or Integrity cheaper?

Looking just at the national average prices, Integrity is the cheaper of the two carriers, offering average rates of $81 per month compared to $199 for Allstate. Even so, Integrity won't necessarily be the lowest carrier for each policyholder, since there are a variety of different variables that come into play when it comes to your insurance payment.

Who is better, Allstate or Integrity?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Allstate and Integrity offer me different rates?

Auto insurance companies take a look at several different factors when determining the rates they charge drivers. Things like age, gender, your driving record, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Allstate and Integrity calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from several 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 ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Allstate or Integrity 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.