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

Quick Facts

• Looking at the national averages for auto insurance, Integrity offers significantly less expensive prices than American Family
• American Family may help you save more money -- they offer more discounts than Integrity Insurance
• Integrity tends to be a much cheaper option for drivers who have below-average credit

American Family or 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 hefty savings. But exactly how much can you save by switching?

You might have narrowed your search down to American Family or Integrity for your next policy, but between the two, which carrier will save you the most?

Looking at the national average rates for both carriers, Integrity has average rates that are around 40% a month more affordable than those from American Family.

However, that doesn't necessarily mean Integrity will be the less expensive option for every single driver. Car insurance companies use a variety of complex algorithms to determine rates, so depending on how clean your driving record is or where you live (among numerous other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both American Family and Integrity by a bunch of different rate factors, so read on to find out which company is the best for you.

American Family vs. Integrity: Average Car Insurance Rates by State

American Family and Integrity only compete against each other in two states, with Integrity offering cheaper rates to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity prices are $49 less expensive than insurance premiums at American Family.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your rates. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. That's generally 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 teen drivers can't still save money on their insurance. As you can see above, teens who use Integrity save over 40% per month compared to those who use American Family. It's worth noting that American Family offers car insurance in 16 different states compared to Integrity's two, which can skew the average premiums a bit, but the difference here is still considerable.

But with both companies, you'll see your prices lower significantly by the time 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. American Family's average rates drop more than 60% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable insurance prices you'll ever see. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise premiums.

But who has the best rates for retired drivers between American Family and Integrity? Integrity gets the edge, with prices for drivers 65 and older almost 45% more affordable than the national average for American Family.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper car insurance premiums than those who are single. This usually boils down to married policyholders having more than one vehicle on their policy -- something several auto insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Integrity premiums coming in at about 40% less than American Family's. The advantage for married couples with Integrity is also obvious, where drivers save around $50 a month.

American Family or Integrity: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to insurance men will usually end up paying a little more.

On average, men see prices about $5 per month higher with American Family, but with Integrity, the difference is closer to $8 a month.

Looking at overall affordability, Integrity offers the cheapest average rates for both men and women. On average, male drivers save about $58 per month and women save around $61 with Integrity compared to the average American Family policyholder.

American Family vs. 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.

Car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, Integrity has the significant edge, with average monthly prices coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging about $124 a month to American Family's $185.

Is American Family or Integrity Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

At-fault accidents and speeding tickets will most likely raise your premiums, but is American Family or Integrity less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Family for their insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Integrity policyholders can expect a bit more drastic of an increase of about 26%.

But Integrity has more affordable prices for drivers in both categories -- their rates are around 47% cheaper for drivers with clean records and 42% more affordable for those with a ticket.

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 Integrity climbing by around 25%. American Family has a less extreme rise, but you can still expect to pay nearly 15% more than you were prior to your first accident.

At the end of the day, Integrity offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $84 compared to American Family Insurance's $138.

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 a collision. On average, American Family will climb your prices about 25% after a DUI, while Integrity's average premiums climb by more than 30%.

Integrity has the overall most affordable rates for drivers with a DUI on their records at $92 per month, but it's worth noting that American Family's average rates come from 16 states compared to just two for Integrity, so the data may be skewed slightly.

How does Credit Score Impact American Family and Integrity Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it will come into play for lots of drivers.

The reasoning car insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

Looking specifically at American Family and Integrity, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integrity will normally reward you the most. For policyholders with "excellent" credit scores, Integrity comes in 35 less expensive. Drivers with "good" credit scores generally save around 38% with Integrity compared to average prices from American Family.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than American Family when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 42% per month less with Integrity compared to American Family, and those with "poor" scores usually save an average of around 49% monthly.

Is American Family 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 big impact on your monthly premiums? Typically, the more milage you put on your car each year, the more you can expect to pay for auto insurance.

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 prices for American Family, with drivers who put 6,000 miles on their vehicle every year paying about $5 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Integrity is the cheaper carrier.

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

Where you park your car can play a considerable role in how much you pay for insurance. 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 where they live.

Integrity boasts the cheapest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Integrity Insurance's average prices are around $84 less than American Family Insurance. People who live in suburban areas pay about $56 less with Integrity compared to American Family. Those in rural areas can expect to save around $38 with Integrity compared to American Family.

American Family vs. Integrity Discounts

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

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company 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 Integrity so that you can see which company can save you the most money each month.

American Family knocks Integrity out of the park when it comes to the sheer number of discounts available, offering 21 different discounts to Integrity's 13.

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. American Family also offers discounts for connect partner, COVID-19 relief, DRL, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like company car discounts, continuous insurance discounts, life policy discounts, and more.

Final Thoughts: Is American Family or Integrity Best for You?

So, we've broken down the average premiums for many of the variables insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the best one for you and your specific needs?

Integrity might be best for you if....

• You're looking for the best rates in IA and WI.
• You're looking for the best rates on liability only coverage.
• You're of retirement age and want to take advantage of lower prices.

American Family might be best for you if...

• You're thinking about moving to another state -- Integrity Insurance only offers policies to Iowa and Wisconsin residents.
• You're looking for discounts -- American Family has the most.

Hopefully, this guide has ben a valuable resource as you compare American Family and Integrity and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just American Family 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 insurance carriers in your area, all for free.

American Family vs. Integrity FAQs

Is American Family or Integrity cheaper?

Integrity is the less expensive of the two companies when looking at national average premiums, with policies averaging $81 a month with Integrity and $140 for American Family. Even so, that doesn't mean Integrity will be the lowest carrier for every driver, since there are a variety of different factors that are considered when it comes to your car insurance cost.

Who is better, American Family or Integrity?

Sadly, the real answer is "it depends.". Neither company is "better" for each policyholder -- it all comes down to what your unique insurance profile looks like.

Why do American Family and Integrity offer me different rates?

Auto insurance carriers use quite a few different variables when calculating the rates they charge. Factors such as age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both American Family and Integrity calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several 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 area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't American Family or Integrity 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.