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

Quick Facts

• In general, American Family offers significantly cheaper premiums than Integon National
• American Family offers more affordable average prices for single people who will be the only person on the car insurance policy
• American Family tends to be a much less expensive option for drivers with a DUI

American Family 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 might be considering American Family or Integon National, but which carrier has more affordable rates for auto insurance?

As you can see, Integon National is quite a bit more expensive than American Family, with premiums averaging $218 a month compared to just $140 with American Family when looking at the national average rates for car insurance.

Even so, that doesn't mean American Family will necessarily be cheaper than Integon National for every driver. Auto insurance carriers use all sorts of complex algorithms to determine prices, so depending on how good your credit score is or how clean your driving record is (among a whole range of other factors), you could see wildly different rates from the ones above.

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

American Family vs. Integon National: Average Car Insurance Rates by State

American Family and Integon National only compete against each other in one states, with American Family offering less expensive prices to the average driver in all of them. Washington has the most noticable difference, where American Family rates are $47 cheaper than insurance premiums at Integon National.

That being said, there's a lot more that goes into your car insurance bill than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any other group of drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have American Family for their insurance pay almost 45% less than those who use Integon National.

But both companies will decrease premiums by the time you turn 25. For example, average prices for American Family policyholders drop around $200 and Integon National's rates lower nearly $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 cheapest premiums you'll ever see.

So, which carrier offers the best prices to retired drivers? American Family gets the edge here, with average premiums coming in at about $107 monthly compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally less expensive for married drivers than they are for those who are single? This usually boils down to married policyholders having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with American Family rates coming in at a third less than Integon National's. The advantage for married couples with American Family is also obvious, where drivers save over 30% per month.

American Family or Integon National: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance carriers will tend to offer women more affordable prices.

Women generally pay around $5 a month less than men with American Family, and about $18 less with Integon National.

Looking at the data for each company specifically, American Family comes out as the most affordable option for both genders. On average, women save about $71 per month and men save around $84 with American Family compared to the average Integon National policyholder.

American Family 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.

For most people, car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, American Family has the edge, with average monthly premiums coming in at $96. If you want a full coverage policy with the same state minimum limits, American Family again has the edge, with policies averaging about $185 a month to Integon National's $308.

Is American Family 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 auto 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 collisions will most likely raise your rates, but is American Family or Integon National more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Family for their car insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of about 35%.

That being said, American Family has cheaper prices for drivers in both categories, offering premiums that are $27 and $76 less expensive, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

American Family drivers who get in an accident can expect to see their rates increase by just under 15%, while those who have insurance through Integon National will see around a 50% increase.

At the end of the day, the more affordable prices come from American Family, with average premiums coming in at $138 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 insurance bill -- generally a lot more than a collision or ticket. Integon National drivers usually see a 29% raise in their auto insurance prices after a DUI charge, while American Family will usually increase rates by about 25%.

But if you end up with a DUI charge and are looking for more affordable premiums, American Family tends to be cheaper for the average driver, with monthly premiums coming in at around $158 to Integon National's $204.

How does Credit Score Impact American Family and Integon National Rates?

Did you know many car insurance companies take into account your credit score when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it does affect several policyholders out there.

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

Looking at American Family and Integon National specifically, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Family or Integon National Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly auto insurance payment. Normally, the more milage you drive, the more you can expect to pay for insurance.

For both remote workers and those taking short commutes, American Family tends to be the less expensive option. American Family's average premiums for drivers with 6,000 annual miles come in more than 35% more affordable than Integon National. Those who drive 12,000 miles annually can expect to pay nearly 35% less with American Family over Integon National.

American Family or Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a large impact on your monthly car insurance cost. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, American Family normally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $54 with American Family compared to Integon National. People who live in suburban areas pay around $122 less with American Family compared to Integon National. For policyholders in urban ZIP codes, American Family Insurance's average prices are about $57 less than Integon National Insurance Company.

American Family 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 insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American Family and Integon National so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, American Family comes out ahead with 21 discounts to Integon National's 18.

A couple of those are overlapping for things like anti-theft discounts, DRL discounts, EFT discounts, and discounts for being a homeowner. American Family also offers discounts for connect partner, COVID-19 relief, distant student, and more.

On the other hand, Integon National has a few proprietary discounts of their own for things like ABS discounts, agency transfer discounts, drug and alcohol awareness discounts, and more.

Final Thoughts: Is American Family or Integon National Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right company for you and your specific profile and needs?

American Family might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You're looking for the best premiums on liability only coverage.
• You have a short drive to work everyday.

Integon National might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between American Family 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 a handful of carriers, not just American Family 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 car insurance companies in your area, all in just a few minutes.

American Family vs. Integon National FAQs

Is American Family or Integon National cheaper?

American Family is the less expensive of the two carriers when looking at national average rates, with policies averaging $140 per month with American Family and $218 for Integon National. However, that doesn't mean American Family will be the cheapest company for everyone, since there are a variety of different variables that come into play when it comes to your auto insurance payment.

Who is better, American Family or Integon National?

Unfortunately, the answer truly is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do American Family and Integon National offer me different rates?

Auto insurance companies use quite a few different factors when calculating the premiums they charge. Things such as your driving record, where you call home, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Integon National calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if American Family or Integon National is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does 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 lowest rate. And maybe you'll find that the best company for you isn't American Family 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.