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

Quick Facts

• Looking at the national averages for car insurance, Cig offers significantly more affordable rates than Integon National
• Cig has less expensive prices for policyholders who haven't received any speeding tickets or been in an accident in the last few years
• Cig offers more affordable premiums for drivers with a DUI charge on their record

Cig vs. Integon National: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might have narrowed it down to Cig or Integon National, but between the two, which carrier has cheaper prices for insurance?

Looking at nationwide averages, Integon National has average rates that are about 45% per month more expensive than those from Cig.

That being said, that doesn't necessarily mean Cig will be the less expensive option for every single driver. Auto insurance companies use tons of complex algorithms to calculate rates, so depending on how good your credit score is or how old you are (among multiple other factors), you could see wildly different prices from the ones above.

Wanting to know if Cig or Integon National is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Cig or Integon National: Average Car Insurance Rates by State

Cig and Integon National only compete against each other in two states, with Integon National offering more affordable premiums to the average driver in all of them. If you live in Washington, Cig is the cheaper of the two carriers when looking at the overall average prices. Integon National is the less expensive option in California.

That being said, there are plenty of other factors that go into your car insurance cost than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. Normally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of more than $300 less a month by choosing Cig over Integon National.

Even so, with both companies, you'll see your rates decrease significantly by the time drivers turn 25. For example, average premiums for Cig policyholders drop over 50% and Integon National's prices reduce nearly 70% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

When looking at Cig and Integon National specifically, which company is best for retired drivers? Cig gets the edge, with premiums for drivers 65 and older $84 more affordable than the national average for Integon National.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married policyholders. That's usually because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Cig is the clear winner for those who are single, with premiums around $128 per month cheaper than Integon National, on average. The advantage for married drivers with Cig is also obvious, where drivers save almost 40% a month.

Cig vs. Integon National: Average Rates by Gender

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

On average, women see prices about 3% per month less with Cig, and around 8% less with Integon National.

Looking at the data for each carrier specifically, Cig offers the most affordable average rates for both men and women, with average premiums 47% less for men and 44% cheaper for women.

Cig 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.

Auto insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Cig typically offers significantly more affordable prices of $71 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $150 a month less expensive than Integon National, on average.

Is Cig or Integon National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

Accidents and tickets will most likely raise your premiums, but is Cig or Integon National cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their prices to go up an average of $24 per month if they get a ticket, while Integon National usually raises rates around $78 a month, on average.

Even so, Cig tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 39% more affordable for drivers with clean records and 50% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Cig drivers who get in a collision can expect to see their prices rise by $30, while those who have insurance through Integon National will see about a $150 increase.

Overall, Cig offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $118 compared to Integon National Insurance Company's $300.

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 ticket when it comes to your car insurance bill. For example, Cig increases average prices by just under $70 per month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable premiums, Cig tends to be the much less expensive option with average rates of $157 a month compared to $204 from Integon National.

How does Credit Score Impact Cig and Integon National Rates?

Did you know that many insurance companies take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect a lot of policyholders out there.

The reasoning car insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

So, which company offers the lowest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Cig. Drivers with "excellent" credit can save over 60% compared to Integon National, and those with "good" scores can also expect to see savings -- around $120 or 56% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower premiums than Integon National when it comes to drivers with bad credit. Drivers with "fair" credit pay about $113 a month less with Cig compared to Integon National, and those with "poor" scores typically save an average of around $89 monthly.

Is Cig or Integon National 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 considerable impact on how much auto insurance companies will charge for coverage? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Cig tends to be the cheaper option. Cig's average rates for drivers with 6,000 annual miles come in about $104 less expensive than Integon National. Those who drive 12,000 miles yearly can expect to pay around $94 less with Cig over Integon National.

Cig vs. Integon National: 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 big impact as well. Generally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of cars that are on the roads in those areas.

Cig tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Cig offers prices about $128 per month compared to Integon National's $223. People who live in suburban ZIP codes can expect to pay around $123 per month for Cig and $256 for Integon National. Lastly, those in rural areas tend to get the lowest rates from both carriers, with average monthly prices coming in at $106 and $175 for Cig and Integon National respectively.

Cig vs. Integon National Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

In the section below, we've broken down all of the different discounts offered by both Cig and Integon National so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Cig knocks Integon National out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Integon National's 18.

Both companies 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 Cig also offers company car discounts, distant student discounts, employee 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 Cig or Integon National Best for You?

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right one for you and your specific profile and needs?

Cig might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You and your spouse are buying car insurance together.

Integon National might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Cig and Integon National. We also hope we've given you the information you need to make the best decision about your 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 multiple companies, not just Cig and Integon National. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Cig vs. Integon National FAQs

Is Cig or Integon National cheaper?

Looking just at the national average premiums, Cig is the cheaper of the two companies, offering average rates of $119 a month compared to $218 for Integon National. However, Cig won't necessarily be the most affordable company for each driver, since there are several different factors that come into play when it comes to your auto insurance payment.

Who is better, Cig or Integon National?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Cig and Integon National offer me different rates?

Car insurance carriers take a look at several different variables when determining the prices they charge policyholders. Factors like gender, where you call home, age, your driving record, and sometimes even things like your credit score can all be used. Both Cig and Integon National calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance carrier 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, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code 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 most affordable price. And who knows, the best company for you might not be Cig 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.