Auto-owners vs. Integon National: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Auto-owners offers more affordable rates than Integon National
• Auto-owners tends to be a much cheaper option for residents of rural areas
• Integon National offers more affordable prices for residents in California, North Carolina, Virginia, and Washington

Auto-owners vs. Integon National: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Auto-owners or Integon National for your next policy, but which company will offer you less expensive rates?

Looking at nationwide averages, Auto-owners is about $39 per month cheaper than Integon National.

Even so, that doesn't necessarily mean Auto-owners will be the less expensive option for each driver. Insurance companies use a ton of complex algorithms to calculate prices, so depending on how good your credit score is or where you live (among a multitude of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Auto-owners and Integon National by multiple different rate factors, so read on to find out which company is the best for you.

Auto-owners or Integon National: Average Car Insurance Rates by State

Auto-owners and Integon National only compete against each other in one states, with Auto-owners offering more affordable premiums to the average driver in all of them. Virginia has the most noticable difference, where Auto-owners prices are over 70% cheaper than car insurance premiums at Integon National.

There are plenty of other factors that go into your insurance cost than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers out there on the road. That's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Auto-owners over Integon National.

That being said, with both carriers, you'll see your rates drop significantly once you turn 25. For example, average premiums for Auto-owners policyholders lower nearly 60% and Integon National's rates reduce almost 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest car insurance prices you can find. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase premiums.

So, which carrier offers the best rates to retired drivers? Auto-owners gets the edge here, with average prices coming in at around $133 a month compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married drivers. That's normally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Auto-owners is the clear winner for single policyholders, with prices about $56 per month more affordable than Integon National, on average. The advantage for married couples with Auto-owners is also obvious, where drivers save over 10% a month.

Auto-owners vs. Integon National: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get speeding tickets, which means they'll typically end up paying more for insurance than women.

Generally, men see rates around 6% per month higher with Auto-owners, while with Integon National, the difference is closer to 8% a month.

When it comes to the most affordable prices for each gender, Auto-owners offers the lowest average rates for both men and women. On average, male drivers save about $42 per month and women save about $35 with Auto-owners compared to the average Integon National policyholder.

Auto-owners 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.

For most people, auto insurance can be pretty complicated. There are lots of different coverages that account for a range of 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.

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Auto-owners usually offers less expensive premiums of $99 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Auto-owners again has the edge, with policies around $50 a month more affordable than Integon National, on average.

Is Auto-owners 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.

It's no secret secret that at-fault collisions and tickets lead to higher rates, but which company -- Auto-owners or Integon National -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Auto-owners policyholders can expect their premiums to go up an average of $44 per month if they get a ticket, while Integon National generally raises rates about $78 a month, on average.

However, Auto-owners tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are 17% and 26% less expensive, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Auto-owners drivers who get in an accident can expect to see their prices increase by just under 30%, while those who have insurance through Integon National will see around a 50% increase.

Overall, drivers who use Auto-owners end up with the cheaper prices after an accident, with monthly premiums averaging $168 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 car insurance bill -- typically a lot more than a collision or ticket. On average, Auto-owners will raise your rates about 54% after a DUI, while Integon National's average prices climb by just under 30%.

If you have a DUI on your record and are looking for more affordable rates, Integon National tends to be the much cheaper option with average prices of $204 per month compared to $264 from Auto-owners.

How does Credit Score Impact Auto-owners and Integon National Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. 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 policyholders.

Auto 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, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Auto-owners. Drivers with "excellent" credit can save nearly 55% compared to Integon National, and those with "good" scores can also expect to see savings -- around $85 or 40% more affordable 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 rates. Drivers with "fair" credit pay about $55 less with Auto-owners than Integon National, but those whose credit is considered "poor" have it flipped -- saving around $56 per month with Integon National.

Is Auto-owners 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 how much car insurance carriers will charge for coverage. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Auto-owners tends to be the cheaper option. Integon National's average premiums for drivers with 6,000 annual miles come in about 18% more expensive than Auto-owners. Those who drive 12,000 miles annually can expect to pay around 18% more with Integon National over Auto-owners.

Auto-owners vs. Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly insurance bill. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Auto-owners boasts the lowest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Auto-owners offers prices about $205 monthly compared to Integon National's $223. People who live in suburban ZIP codes can expect to pay around $169 a month for Auto-owners and $256 for Integon National. Lastly, those in rural areas tend to get the cheapest rates from both companies, with average monthly premiums coming in at $164 and $175 for Auto-owners and Integon National respectively.

Auto-owners vs. Integon National Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

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're eligible for.

In the table below, we've taken a look at all of the different discounts Auto-owners and Integon National offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Auto-owners knocks Integon National out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Integon National's 18.

Both carriers offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and discounts for being a homeowner -- but Auto-owners also offers company car discounts, COVID-19 relief discount, distant student discounts, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- agency transfer discounts, DRL discounts, drug and alcohol awareness discounts, and more.

Final Thoughts: Is Auto-owners or Integon National Best for You?

So, we've broken down the average rates for many of the factors auto insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Auto-owners or Integon National the right carrier for you and your specific needs?

Auto-owners might be best for you if....

• You're planning on moving to another state soon -- Integon National Insurance Company only offers policies in four states.
• You're looking for more protection with "full coverage" insurance.
• You don't spend much time in your car.

Integon National might be best for you if...

• You're looking for the best rates in CA, NC, VA, and WA.
• You have a DUI charge on your record.

We hope this guide helps you get a better idea of the difference between Auto-owners and Integon National and that it aids in making a more informed decision about your car 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 multiple carriers, not just Auto-owners and Integon National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Auto-owners vs. Integon National FAQs

Is Auto-owners or Integon National cheaper?

Looking just at the national average prices, Auto-owners is the less expensive of the two carriers, offering average rates of $179 per month compared to $218 for Integon National. But Auto-owners won't necessarily be the most affordable company for every driver, since there are a variety of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Auto-owners or Integon National?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for each driver -- it all comes down to what your unique auto insurance profile looks like. For example, Auto-owners offers more affordable premiums for drivers with an at-fault accident on their record, while Integon National is cheaper for drivers who have less-than-stellar credit scores.

Why do Auto-owners and Integon National offer me different rates?

Car insurance companies take a look at quite a few different factors when calculating the rates they charge policyholders. Variables such as where you live, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Auto-owners and Integon National use different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Auto-owners 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 a handful of 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 information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Auto-owners 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.