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

Quick Facts

• Based on national averages for insurance, CSE offers more affordable premiums than Integon National
• CSE has cheaper rates for single people who will be the only person on the auto insurance policy
• Integon National offers more affordable premiums for drivers who have below-average credit

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to CSE or Integon National for your next policy, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, CSE is around $43 a month less expensive than Integon National.

However, that doesn't mean CSE will necessarily be cheaper than Integon National for each driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your age, where you call home, or even your driving record (among other things), so rates will differ quite a bit from person to person.

Luckily, we've broken down average prices from both CSE and Integon National by a variety of different rate factors, so read on to find out which carrier is the best for you.

CSE vs. Integon National: Average Car Insurance Rates by State

CSE and Integon National only compete against each other in California, where Integon National offers the cheaper average rates. Integon National drivers tend to pay about $57 per month less on average compared to drivers who use CSE for their insurance.

But there's more to calculating car insurance prices than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use CSE save almost 35% a month compared to those who use Integon National.

But both carriers will offer you dramatically lower premiums once you turn 25. For example, average prices for CSE policyholders reduce over 50% and Integon National's rates lower nearly 70% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between CSE and Integon National? CSE gets the edge, with rates for drivers 65 and older almost 25% less expensive than the national average for Integon National.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally more expensive for single policyholders than they are for married couples? That's because policies for married drivers usually cover more than one vehicle, which lots of companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is significant, with CSE rates coming in at a quarter less than Integon National's. The advantage for married policyholders with CSE is also obvious, where drivers save about $15 per month.

CSE or Integon National: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to car insurance men will generally end up paying a little more.

Men and women end up paying the same monthly prices with CSE, but with Integon National, the difference is closer to $18 a month.

Looking at overall affordability, CSE comes out on top for both men and women, with average premiums $52 less for men and $34 cheaper for women.

CSE 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, insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

Looking specifically at state minimum liability insurance, CSE has the significant edge, with average monthly rates coming in at $81. If you want a full coverage policy with the same state minimum limits, CSE again has the edge, with policies averaging around $270 per month to Integon National's $308.

Is CSE 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 speeding tickets and at-fault accidents on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use CSE for their auto insurance can typically expect their monthly bill to go up about 24% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of around 35%.

That being said, CSE is generally the more affordable option for both drivers who have a recent ticket and those with clean records. With CSE Insurance Group, drivers with a clean record can save about $22 a month and drivers with a speeding ticket can save around $62 per month.

Which Company is Best for Drivers After an Accident?

CSE drivers who get in a collision can expect to see their rates climb by over 30%, while those who have insurance through Integon National will see about a 50% increase.

At the end of the day, the less expensive prices come from CSE, with average rates coming in at $176 compared to Integon National Insurance Company's $300.

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 an accident. CSE drivers usually see a 49% increase in their car insurance premiums after a DUI charge, while Integon National will normally climb prices by around 29%.

But if you end up with a DUI charge and are looking for more affordable premiums, Integon National tends to be more affordable for the average driver, with monthly premiums coming in at about $204 to CSE's $241.

How does Credit Score Impact CSE and Integon National Rates?

Did you know many insurance carriers take your credit score into account when determining rates? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it will come into play for quite a few policyholders.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper prices.

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

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. Improving your "good" credit score to an "excellent" one will typically save Integon National Insurance Company customers around 7%. undefined, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Integon National Insurance Company. For drivers with less-than-stellar credit, at Integon National Insurance Company, you may pay about 10% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with undefined over Integon National Insurance Company.

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

How much you drive can have a substantial impact on how much insurance carriers will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, CSE offers less expensive premiums than Integon National. CSE's average prices for drivers with 6,000 annual miles come in around $56 more affordable than Integon National. Those who drive 12,000 miles yearly can expect to pay about $30 less with CSE over Integon National.

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

Where you call home can play a big role in how much you pay for auto insurance. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the roads where they live.

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

Those in rural areas can expect to save around 8% with CSE compared to Integon National. People who live in suburban areas pay about 30% less with CSE compared to Integon National. For drivers in urban ZIP codes, CSE Insurance Group's average premiums are around 17% less than Integon National Insurance Company.

CSE vs. Integon National Discounts

No matter why you might be in the market for a new 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 with what seems like a million different discounts out there, it can be hard to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both CSE and Integon National so that you can easily see which company offers the most discounts and, therefore, the largest savings.

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

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

On the other hand, CSE has a few proprietary discounts of their own like employee discounts and goverment employee discounts.

Final Thoughts: Is CSE or Integon National Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right carrier for you, your vehicle, and your wallet?

CSE might be best for you if....

• You have a speeding ticket on your driving record.
• You're of retirement age and want to take advantage of lower premiums.

Integon National might be best for you if...

• Your credit is less-than-stellar.
• Your credit score is high.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between CSE and Integon National. We also hope we've given you the information you need to make the best decision when it comes to 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 CSE and Integon National. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

CSE vs. Integon National FAQs

Is CSE or Integon National cheaper?

CSE is the cheaper of the two companies when looking at national average rates, with policies averaging $175 per month with CSE and $218 for Integon National. Even so, that doesn't mean CSE will be the most affordable company for everyone, since there are a bunch of different factors that come into play when it comes to your auto insurance bill.

Who is better, CSE or Integon National?

Sadly, the answer truly is "it depends.". Neither carrier is necessarily "better" for everyone -- it all boils down to your unique insurance profile. For example, Integon National is more affordable for drivers who have less-than-stellar credit scores, while CSE offers cheaper prices for policyholders with an at-fault collision on their record.

Why do CSE and Integon National offer me different rates?

Car insurance carriers use a lot of different variables when calculating the rates they charge. Factors like your driving record, gender, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both CSE and Integon National calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't CSE 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.