California Casualty vs. Integon National: Which Company is the Best Fit for You?

Quick Facts

• In general, California Casualty offers slightly more affordable premiums than Integon National
• California Casualty has cheaper prices for policyholders who drive fewer than 6,000 miles every year
• Integon National tends to be a much less expensive option for policyholders who are looking to purchase insurance with a spouse

California Casualty or Integon National: Which Company has the Cheapest Car Insurance?

So, you're thinking about 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 California Casualty or Integon National as your top options, but which company will offer you cheaper premiums?

Looking at nationwide averages, Integon National is around $17 more a month than California Casualty.

That being said, California Casualty may not be the cheapest or best option for every single driver out there. Auto insurance carriers vary their rates depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and tons of other factors, so prices will differ quite a bit from person to person.

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

California Casualty vs. Integon National: Average Car Insurance Rates by State

California Casualty and Integon National only compete against each other in one states, with California Casualty offering more affordable rates to the average driver in all of them. Washington has the most noticable difference, where California Casualty prices are $34 less expensive than insurance rates at Integon National.

But there's more to calculating auto insurance prices than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. It's normally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have California Casualty for their car insurance pay over 20% less than those who use Integon National.

But with both companies, you'll see your rates decrease significantly once you turn 25. For example, average prices for California Casualty policyholders lower almost 60% and Integon National's premiums reduce nearly 70% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at California Casualty and Integon National specifically, which carrier is best for retired drivers? California Casualty gets the edge here, with average premiums coming in at about $149 a month compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance prices than married couples. This usually boils down to married drivers having multiple vehicles on their policy -- something several auto insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with California Casualty rates coming in at around 15% less than Integon National's. But for married policyholders, that advantage is much less clear - Integon National offers the most affordable average premiums , but the difference is only $7.

California Casualty or Integon National: Average Rates by Gender

Women generally to pay less for insurance than men. That's because women are less likely to get speeding tickets and get into collisions, which decreases the chances of filing a claim with insurance.

Typically, women see rates almost 10% per month less with California Casualty, but with Integon National, the difference is closer to 8% a month.

When it comes to the lowest prices for each gender, California Casualty offers the cheapest average rates for both men and women, with average premiums 8% less for men and 8% cheaper for women.

California Casualty 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, auto insurance can be pretty complicated. There are a bunch of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, California Casualty has the slight edge, with average monthly prices coming in at $122. If you want a full coverage policy with the same state minimum limits, California Casualty again has the edge, with policies averaging about $281 per month to Integon National's $308.

Is California Casualty 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 car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use California Casualty for their insurance can generally expect their monthly bill to go up around 19% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of about 35%.

That being said, California Casualty is typically the more affordable option for drivers both with clean records and with a ticket, offering rates that are $8 and $53 cheaper, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

California Casualty drivers who get in a collision can expect to see their prices rise by over 30%, while those who have insurance through Integon National will see around a 50% increase.

At the end of the day, the less expensive rates come from California Casualty, with average premiums coming in at $198 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 -- normally a lot more than an accident or speeding ticket. For example, California Casualty increases average prices by more than $150 a month -- that's nearly a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Integon National tends to be cheaper for the average driver, with monthly premiums coming in at about $204 to California Casualty's $300.

How does Credit Score Impact California Casualty and Integon National Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly auto insurance rates. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it might come into play for many policyholders.

The reasoning insurance carriers use is that drivers 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 typically be forced to pay more.

Looking at California Casualty and Integon National specifically, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is California Casualty 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 auto insurance companies will charge for coverage. Normally, the more milage you drive, the more you can expect to pay for car insurance.

California Casualty tends to be the more affordable option for both remote workers and those taking short commutes. Integon National's average rates for drivers with 6,000 annual miles come in nearly $30 more expensive than California Casualty. Those who drive 12,000 miles annually can expect to pay $5 more with Integon National over California Casualty.

California Casualty or Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly insurance bill. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more cars on the roads where they live.

California Casualty boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, California Casualty's average premiums are around 2% less than Integon National Insurance Company. People who live in suburban areas pay about 14% less with California Casualty compared to Integon National. Those in rural areas can expect to save around 6% with California Casualty compared to Integon National.

California Casualty vs. Integon National 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. 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.

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

Looking at the total number of discounts, Integon National comes out ahead with 18 discounts to California Casualty's 14.

A couple of those are overlapping for things like discounts for being a good student, group discounts, and multi-policy discounts. Integon National also offers discounts for advance quote, agency transfer, anti-theft, and more.

On the other hand, California Casualty has a few proprietary discounts of their own for things like driver training discounts, education discounts, full coverage discounts, and more.

Final Thoughts: Is California Casualty or Integon National Best for You?

So, you've seen how different factors can affect your insurance rates. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, is California Casualty or Integon National the best company for you, your vehicle, and your wallet?

California Casualty might be best for you if....

• You've been pulled over for speeding recently.
• You have above-average credit.
• You've started working from home and don't have much of a commute.

Integon National might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.
• You and your spouse are buying car insurance together.

Hopefully, this guide helps you get a better idea of the difference between California Casualty and Integon National and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just California Casualty 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 top car insurance companies in your area, all in just a few minutes.

California Casualty vs. Integon National FAQs

Is California Casualty or Integon National cheaper?

California Casualty is the less expensive of the two carriers when looking at national average prices, with policies averaging $201 per month with California Casualty and $218 for Integon National. But that doesn't mean California Casualty will be the most affordable carrier for everyone, 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, California Casualty or Integon National?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Integon National is more affordable for drivers who have less-than-stellar credit scores, while California Casualty offers cheaper premiums for policyholders with an at-fault collision on their record.

Why do California Casualty and Integon National offer me different rates?

Auto insurance companies use quite a few different factors when determining the rates they charge. Things such as where your home is, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both California Casualty and Integon National use different formulas, 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 carriers.

How do I know if California Casualty or Integon National is right for me?

The only way to find the car 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, 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 insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't California Casualty 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.