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

Quick Facts

• Based on national averages for car insurance, Cincinatti Financial offers slightly less expensive prices than Integon National
• Cincinatti Financial tends to be a much more affordable option for policyholders who drive fewer than 12,000 miles yearly
• Integon National has cheaper rates for drivers with a DUI charge on their record

Cincinatti Financial vs. Integon National: 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 huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Cincinatti Financial or Integon National as potential options, but which company has less expensive premiums for auto insurance?

Looking at nationwide averages, Cincinatti Financial is about $18 per month cheaper than Integon National.

However, Cincinatti Financial may not be the lowest or best option for every single driver out there. Car insurance companies use all sorts of complex algorithms to calculate prices, so depending on how good your credit score is or how clean your driving record is (among many other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Cincinatti Financial or Integon National is really the best for you, keep reading to see average prices for each carrier broken down by lots of different rate factors.

Cincinatti Financial or Integon National: Average Car Insurance Rates by State

Cincinatti Financial and Integon National only compete against each other in one states, with Cincinatti Financial offering more affordable premiums to the average driver in all of them. Virginia has the most noticable difference, where Cincinatti Financial prices are over 20% cheaper than insurance premiums at Integon National.

But there's more to calculating car insurance rates than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers out there on the road. It's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Cincinatti Financial for their car insurance pay $50 less than those who use Integon National.

But with both carriers, you'll see your premiums decrease significantly by the time drivers turn 25. For example, average prices for Cincinatti Financial policyholders lower more than $300 and Integon National's rates drop nearly $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

So, which company offers the best premiums to retired drivers? Cincinatti Financial gets the edge here, with average rates coming in at around $122 a month compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable auto insurance prices than those who are single. This usually boils down to married couples having more than one car on their policy -- something a lot of insurance companies will reward with discounts.

If you're in the market for auto insurance, Cincinatti Financial tends to have the most affordable average rates regardless of marital status, with prices about 7% less expensive for married drivers and almost 10% more affordable for single policyholders.

Cincinatti Financial vs. Integon National: Average Rates by Gender

Did you know men usually pay more for car insurance than women? This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim.

Women generally pay around $15 a month less than men with Cincinatti Financial, and about $18 less with Integon National.

Looking at overall affordability, Cincinatti Financial offers the cheapest average premiums for both men and women, with average rates $21 less for men and $16 cheaper for women.

Cincinatti Financial 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 isn't the easiest topic to understand. There are many 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 that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Cincinatti Financial typically offers cheaper premiums of $106 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Cincinatti Financial again has the edge, with policies around $15 per month less expensive than Integon National, on average.

Is Cincinatti Financial or Integon National Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

Cincinatti Financial policyholders can expect their rates to go up an average of $21 a month if they get a ticket, while Integon National usually raises prices about $78 per month, on average.

Even so, Cincinatti Financial is generally the more affordable option for drivers both with a speeding ticket and with a clean record, offering premiums that are $23 and $80 cheaper, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Cincinatti Financial can expect to see around an $92 -- or about 43% -- increase in their insurance rates. Drivers who use Integon National for their auto insurance will see a monthly bill around $155 (or 52%) more expensive after reporting an accident to their car insurance carrier.

Overall, drivers who use Cincinatti Financial end up with the cheaper prices after an accident, with monthly prices averaging $214 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 accident or ticket when it comes to your insurance bill. On average, Cincinatti Financial will raise your rates about 62% after a DUI, while Integon National's average premiums climb by just under 30%.

If you have a DUI on your record and are looking for more affordable prices, Integon National tends to be the much less expensive option with average premiums of $204 per month compared to $320 from Cincinatti Financial.

How does Credit Score Impact Cincinatti Financial and Integon National Rates?

Often times, your credit score can be used as one of the factors to determine your monthly car insurance prices. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several drivers out there.

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

Looking specifically at Integon National and Cincinatti Financial, which carrier has the best rates 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 Cincinatti Financial. Policyholders with "excellent" credit can save over 25% compared to Integon National, and those with "good" scores can also expect to see savings -- around $42 or 20% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about $33 less with Cincinatti Financial than Integon National, but those whose credit is considered "poor" have it flipped -- saving around $20 a month with Integon National.

Is Cincinatti Financial or Integon National Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly car insurance payment. Normally, the more miles you put on your vehicle, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Cincinatti Financial charges. However, there's a small difference in monthly rates for Integon National, with policyholders who drive 6,000 miles annually paying about $2 less every month compared to those who drive 12,000 miles each year. Still, Cincinatti Financial is the more affordable option for drivers in both categories.

Cincinatti Financial vs. Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a big impact on your monthly insurance cost. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads in those areas.

Cincinatti Financial tends to offer the lowest option for drivers in urban and suburban areas, while Integon National wins in rural areas.

If you live in a rural area, you can expect to pay around $175 monthly with Integon National and $182 with Cincinatti Financial. Drivers in suburban ZIP codes pay about $197 with Cincinatti Financial compared to Integon National's $256 per month. In urban areas, Cincinatti Financial's average premiums are around $220 per month compared to Integon National's $223.

Cincinatti Financial vs. Integon National Discounts

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

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

Below, we've taken a look at all of the different discounts Cincinatti Financial and Integon National offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Integon National blows Cincinatti Financial away when it comes to the sheer amount of discounts available, offering 18 different discounts to Cincinatti Financial's 10.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts. Integon National also offers ABS discounts, agency transfer discounts, DRL discounts, and more that Cincinatti Financial does not.

On the flip side, Cincinatti Financial has a couple unique discounts of its own -- COVID-19 relief discount and special large ded discounts.

Final Thoughts: Is Cincinatti Financial or Integon National Best for You?

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, is Cincinatti Financial or Integon National the right fit for you?

Cincinatti Financial might be best for you if....

• You're single and purchasing insurance by yourself.
• You're looking for more protection with "full coverage" auto insurance.
• You've started working from home and don't have much of a commute.

Integon National might be best for you if...

• You have a DUI charge on your record.
• You're looking for the carrier with the most discounts.
• You live in a rural neighborhood.

We hope this guide helps you get a better idea of the difference between Cincinatti Financial and Integon National and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Cincinatti Financial and Integon National. Luckily, Compare.com makes it easy for you to do just that. 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.

Cincinatti Financial vs. Integon National FAQs

Is Cincinatti Financial or Integon National cheaper?

Looking just at the national average rates, Cincinatti Financial is the less expensive of the two companies, offering average rates of $200 a month compared to $218 for Integon National. That being said, Cincinatti Financial won't necessarily be the most affordable company for everyone, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Cincinatti Financial or Integon National?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for every driver -- it all boils down to your unique auto insurance profile. For example, Integon National offers more affordable prices for drivers with a recent DUI, while Cincinatti Financial is less expensive for drivers with excellent credit.

Why do Cincinatti Financial and Integon National offer me different rates?

Insurance carriers take a look at many different variables when calculating the premiums they charge drivers. Things such as your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Cincinatti Financial and Integon National calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Cincinatti Financial 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 multiple carriers 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 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 best premium. And who knows, the best company for you might not be Cincinatti Financial 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.