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

Quick Facts

• Looking at the national averages for car insurance, Integrity offers significantly more affordable premiums than Auto-owners
• Auto-owners may help you save more money -- they offer more discounts than Integrity Insurance
• Integrity tends to be a much less expensive option for residents of suburban areas

Auto-owners or Integrity: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Auto-owners or Integrity for your next policy, but between the two, which carrier has cheaper rates for auto insurance?

Looking at the national average rates for both carriers, Auto-owners has average rates that are around 55% a month more expensive than those from Integrity.

But that doesn't necessarily mean Integrity will be the more affordable option for every single driver. Car insurance companies use a variety of complex algorithms to determine prices, so depending on where you live or how old you are (among a lot of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Auto-owners or Integrity is really the best for you, keep reading to see average rates for each carrier broken down by many different rate factors.

Auto-owners vs. Integrity: Average Car Insurance Rates by State

Auto-owners and Integrity only compete against each other in two states, with Integrity offering less expensive premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity rates are $98 cheaper than insurance prices at Auto-owners.

There's a lot more that goes into your auto insurance payment than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. Usually, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 50% less per month by choosing Integrity over Auto-owners. It's worth noting that Auto-owners offers car insurance in 23 different states compared to Integrity's two, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both carriers, you'll see your rates decrease significantly once you turn 25. For example, average prices for Auto-owners policyholders drop almost 60% and Integrity's rates reduce more than 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest auto insurance premiums out there. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise prices.

When looking at Auto-owners and Integrity specifically, which company is best for retired drivers? Integrity gets the edge, with premiums for drivers 65 and older $72 less expensive than the national average for Auto-owners.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for those who are single than they are for married couples. That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two companies is significant, with Integrity premiums coming in at about half of Auto-owners's. The advantage for married drivers with Integrity is also obvious, where drivers save around $80 a month.

Auto-owners or Integrity: Average Rates by Gender

Because women are less likely to get into collisions and get speeding tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men.

Typically, men see prices about $10 per month higher with Auto-owners, and around $8 more with Integrity.

Looking at the data for each carrier specifically, Integrity comes out as the most affordable option for both genders, with average rates $100 less for men and $97 cheaper for women.

Auto-owners 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.

It's no secret that auto insurance can be pretty complicated. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability insurance, Integrity has the significant edge, with average monthly premiums 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 Auto-owners's $260.

Is Auto-owners or Integrity Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Accidents and speeding tickets will most likely raise your prices, but is Auto-owners or Integrity more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Auto-owners for their insurance can normally expect their monthly bill to go up around 27% after getting a speeding ticket. Integrity policyholders can expect a less drastic increase of about 26%.

That being said, Integrity has cheaper rates for drivers in both categories, offering prices that are $58 and $80 less expensive, respectively, compared to Auto-Owners Insurance.

Which Company is Best for Drivers After an Accident?

Auto-owners drivers who get in an accident can expect to see their premiums rise by just under 30%, while those who have insurance through Integrity will see around a 25% increase.

At the end of the day, Integrity offers the lowest rates for drivers with an at-fault collision on their records, with average prices coming in at $84 compared to Auto-Owners Insurance's $168.

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. For example, Auto-owners increases average premiums by nearly $150 per month -- that's nearly a 55% increase.

Integrity has the overall most affordable rates for drivers with a DUI on their records at $92 a month, but it's worth noting that Auto-owners's average rates come from 23 states compared to just two for Integrity, so the data may be skewed slightly.

How does Credit Score Impact Auto-owners and Integrity Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it will 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.

Looking specifically at Auto-owners and Integrity, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Integrity will typically reward you the most. For drivers with "excellent" credit scores, Integrity comes in more than 31.58 more affordable. Drivers with "good" credit scores usually save about 43% with Integrity compared to average premiums from Auto-owners.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than Auto-owners when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 53% a month less with Integrity compared to Auto-owners, and those with "poor" scores typically save an average of about 68% per month.

Is Auto-owners or Integrity 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 premiums. That's because the fewer miles you drive, the less likely you are to be in an accident and file 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 Auto-owners, with policyholders who drive the least paying around $1 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Integrity is the cheaper company.

Auto-owners or Integrity: 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 insurance, but the type of area you live in can have a substantial impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

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

If you live in a rural area, you can expect to pay about $83 monthly with Integrity compared to Auto-owners's $164. People in suburban areas pay a monthly price of around $78 with Integrity compared to $169 with Auto-owners. In urban areas, Integrity's average rates are about $82 per month compared to Auto-owners's $205.

Auto-owners vs. Integrity Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

The challenging part is finding all of the discounts you qualify 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 Auto-owners 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.

Auto-owners blows Integrity away when it comes to the sheer amount of discounts available, offering 11 more discounts than Integrity.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, distant student discounts, and discounts for being a homeowner. Auto-owners also offers discounts for ABS, COVID-19 relief, driver training, and more.

On the other hand, Integrity has a few proprietary discounts of their own like continuous insurance discounts and prior bi limit discounts.

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

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, is Auto-owners or Integrity the best one for you and your specific profile and needs?

Integrity might be best for you if....

• You have received a ticket within the last few years.
• Your home is located in the suburbs.
• You want to save money while purchasing insurance for a teenager.

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

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

Hopefully, this guide helps you get a good idea of the differences between Auto-owners 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.

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 Integrity. 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 companies in your area, all in just a few minutes.

Auto-owners vs. Integrity FAQs

Is Auto-owners or Integrity cheaper?

Integrity is the less expensive of the two carriers when looking at national average rates, with policies averaging $81 a month with Integrity and $179 for Auto-owners. However, that doesn't mean Integrity will be the cheapest carrier for each policyholder, since there are lots of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Auto-owners or Integrity?

Unfortunately, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Auto-owners and Integrity offer me different rates?

Insurance companies use lots of different factors when determining 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 Auto-owners and Integrity use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

How do I know if Auto-owners or Integrity is right for me?

The only way to find the auto insurance company 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, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Auto-owners 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.