Cameron Mutual 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 prices than Cameron Mutual
• Integrity offers more affordable rates for policyholders who may not have much of a commute
• Integrity tends to be a much less expensive option for drivers who have an at-fault accident on their record

Cameron Mutual vs. Integrity: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Cameron Mutual or Integrity, but between the two, which carrier has cheaper premiums for insurance?

Looking at nationwide averages, Integrity is quite a bit cheaper than Cameron Mutual, with prices averaging $81 per month compared to $124 with Cameron Mutual.

That being said, Integrity may not be the most affordable or best option for every single driver out there. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things). So, at the end of the day, rates from every company will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Cameron Mutual and Integrity by several different rate factors, so read on to find out which carrier is the best for you.

Cameron Mutual or Integrity: Average Car Insurance Rates by State

Cameron Mutual and Integrity only compete against each other in one states, with Integrity offering less expensive premiums to the average driver in all of them. Iowa has the most noticable difference, where Integrity rates are more affordable than car insurance prices at Cameron Mutual.

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

Which is the Best Company For Young Drivers?

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

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Integrity save nearly $90 a month compared to those who use Cameron Mutual.

However, with both carriers, you'll see your rates lower significantly by the time you turn 25. For example, average premiums for Cameron Mutual policyholders decrease more than 55% and Integrity's prices reduce over 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best prices for retired drivers between Cameron Mutual and Integrity? Integrity gets the edge, with rates for drivers 65 and older almost 25% cheaper than the national average for Cameron Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for those who are single than they are for married couples. That's because policies for married policyholders generally cover multiple cars, which many companies will offer you a discount for.

When it comes to relationship status, Integrity is the clear winner for single policyholders, with prices about $49 per month less expensive than Cameron Mutual, on average. For married drivers, the advantage is clear again - Integrity has the edge when it comes to average rates.

Cameron Mutual vs. Integrity: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for auto insurance than women.

On average, women see prices nearly $15 a month more affordable with Cameron Mutual, while with Integrity, the difference is closer to $8 per month.

Looking at the data for each company specifically, Integrity offers the most affordable average premiums for both men and women, with average rates $46 less for men and $41 cheaper for women.

Cameron Mutual or 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.

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

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

If you're looking for state minimum liability insurance, Integrity typically offers significantly cheaper prices of $38 compared to Cameron Mutual's $53. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies around $70 a month more affordable than Cameron Mutual, on average.

Is Cameron Mutual or Integrity Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which carrier -- Cameron Mutual or Integrity -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Cameron Mutual insurance policies don't report seeing their prices increase after getting a ticket, but Integrity policyholders can expect to see their monthly bill increase by about 25%.

Even so, Integrity tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 43% less expensive for drivers with clean records and 23% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Cameron Mutual policyholders who get in an accident can expect to see their rates rise by over 10%, while those who have insurance through Integrity will see around a 25% increase.

Overall, drivers who use Integrity end up with the cheaper prices after an accident, with monthly premiums averaging $84 compared to Cameron Mutual Insurance Company's $124.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. On average, Cameron Mutual will climb your prices about 28% after a DUI, while Integrity's average rates climb by over 30%.

If you have a DUI on your record and are looking for more affordable premiums, Integrity tends to be the much more affordable option with average prices of $92 monthly compared to $152 from Cameron Mutual.

How does Credit Score Impact Cameron Mutual and Integrity Rates?

Did you know that many insurance companies take your credit score into account when calculating rates? This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect a lot of drivers out there.

The reasoning auto insurance carriers 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 usually be forced to pay more.

Looking at Cameron Mutual and Integrity specifically, which one has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Integrity. Policyholders with "excellent" credit can save just under 25% compared to Cameron Mutual, and those with "good" scores can also expect to see savings -- around $33 or 31% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than Cameron Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $44 per month less with Integrity compared to Cameron Mutual, and those with "poor" scores generally save an average of around $77 a month.

Is Cameron Mutual 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 how much car insurance companies will charge for coverage. That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither Cameron Mutual or Integrity report increasing prices for drivers with higher annual mileage figures. Even so, Integrity comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average premiums of $81 a month for both.

Cameron Mutual vs. 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 large impact as well. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Integrity boasts the cheapest 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 save about 28% with Integrity compared to Cameron Mutual. Drivers in suburban ZIP codes pay around 36% less with Integrity compared to Cameron Mutual. In urban areas, Integrity Insurance's average prices are about 39% less than Cameron Mutual Insurance Company.

Cameron Mutual vs. Integrity Discounts

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

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Cameron Mutual and Integrity so that you can find the company that has the most discounts and, therefore, the biggest savings.

Integrity blows Cameron Mutual away when it comes to the sheer amount of discounts available, offering 13 different discounts to Cameron Mutual's six.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver and discounts for being a good student -- but Integrity also offers advance quote discounts, anti-theft discounts, company car discounts, and more that Cameron Mutual does not.

On the flip side, Cameron Mutual has a couple unique discounts of its own -- education discounts, passive restraint discounts, renewal discounts, and more.

Final Thoughts: Is Cameron Mutual or Integrity 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 at the end of the day, is Cameron Mutual or Integrity the best carrier for you and your specific profile and needs?

Integrity might be best for you if....

• You've been pulled over for speeding recently.
• You live in a rural neighborhood.

Cameron Mutual might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Cameron Mutual and Integrity. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Cameron Mutual and Integrity. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Cameron Mutual vs. Integrity FAQs

Is Cameron Mutual or Integrity cheaper?

Looking just at the national average premiums, Integrity is the cheaper of the two companies, offering average rates of $81 per month compared to $124 for Cameron Mutual. But Integrity won't necessarily be the lowest carrier for each driver, since there are many different variables that are considered when it comes to your auto insurance payment.

Who is better, Cameron Mutual or Integrity?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Cameron Mutual and Integrity offer me different rates?

Car insurance carriers take a look at quite a few different factors when determining the prices they charge drivers. Things such as gender, age, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Cameron Mutual and Integrity calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Cameron Mutual 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 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 free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Cameron Mutual or Integrity 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.