Depositors vs. Integrity: Which Company is the Best Fit for You?

If you're in the market for a new insurance policy, you might be wondering how Integrity and Depositors compare when it comes to the most affordable rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • In general, Integrity offers significantly more affordable prices than Depositors
  • Depositors offers more discounts than Integrity Insurance
  • Integrity has less expensive premiums for residents of suburban areas

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Depositors or Integrity for your next policy, but between the two, which company will save you the most?

Depositors Integrity

As you can see, Depositors is quite a bit more expensive than Integrity, with prices averaging $148 per month compared to just $81 with Integrity when looking at the national average rates for car insurance.

However, that doesn't necessarily mean Integrity will be the cheaper option for every driver. Auto insurance companies vary their rates depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and a ton of other factors. So, at the end of the day, premiums from each company will differ quite a bit from person to person.

So, if you want to find out which of Depositors or Integrity is really the best for you, keep reading to see average rates for each carrier broken down by several different rate factors.

Depositors or Integrity: Average Car Insurance Rates by State

State Depositors Integrity

Depositors and Integrity only compete against each other in one states, with Integrity offering more affordable premiums to the average driver in all of them. Iowa has the most noticable difference, where Integrity prices are over 15% less expensive than car insurance rates at Depositors.

There's a lot more that goes into your auto insurance cost than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Depositors Integrity
18-year-old drivers$311$192
25-year-old drivers$132$65

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. 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.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Integrity for their car insurance pay more than $100 less than those who use Depositors.

But both carriers will offer you dramatically lower premiums once you turn 25. For example, average prices for Depositors policyholders reduce nearly $200 and Integrity's rates drop about $150 over that time.

Which is the Best Company for Retired Drivers?

Depositors Integrity
65+-year-old drivers$111$61

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

So, which company offers the best prices to retired drivers? Integrity gets the edge here, with average premiums coming in at around $61 monthly compared to Depositors's $111.

Which is the Best Company for Married Drivers?

Depositors Integrity

You may not be aware, but auto insurance rates tend to be cheaper for married drivers than they are for single policyholders. That's because policies for married policyholders normally cover more than one car, which quite a few companies will offer you a discount for.

When it comes to relationship status, Integrity is the clear winner for single drivers, with prices about $73 a month less expensive than Depositors, on average. The advantage is also clear for married couples - Integrity offers the lowest average rates.

Depositors vs. Integrity: Average Rates by Gender

Depositors Integrity

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

Men usually pay almost $10 per month more than women with Depositors, while with Integrity, the difference is closer to $8 a month.

Looking at overall affordability, Integrity comes out on top for both men and women, with average premiums $67 less for men and $66 cheaper for women.

Find your best rate in just a few minutes

Depositors or Integrity: Compare State Minimum vs. Full Coverage Rates

Depositors Integrity
State Minimum*$84$38
Full Coverage**$211$124

*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.

Car insurance isn't the easiest topic to understand. There are many different coverages that account for multiple 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.

Even so, most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Integrity generally offers significantly more affordable rates of $38 compared to Depositors's $84. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies around $85 per month less expensive than Depositors, on average.

Is Depositors or Integrity Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Depositors Integrity
Clean Record$106$63
1 Speeding Ticket$130$85

Depositors policyholders can expect their premiums to go up an average of $24 a month if they get a ticket, while Integrity usually raises rates about $22 per month, on average.

That being said, Integrity is typically the cheaper option for drivers both with a speeding ticket and with a clean record, offering premiums that are $43 and $45 more affordable, respectively, compared to Depositors Insurance Company.

Which Company is Best for Drivers After an Accident?

Depositors Integrity
Clean Record$106$63
1 At-Fault Accident$157$84

Both companies will increase prices pretty significantly if you get into an at-fault accident with Depositors climbing by over $50. Integrity has a less extreme increase, but you can still expect to pay more than $20 more than you were prior to your first collision.

Overall, the cheaper rates come from Integrity, with monthly premiums averaging $84 compared to Depositors Insurance Company's $157.

Which Company is Best for Drivers with a DUI?

Depositors Integrity
Clean Record$106$63
1 DUI$198$92

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. Depositors drivers usually see a 46% climb in their insurance prices after a DUI charge, while Integrity will normally raise rates by around 32%.

If you have a DUI on your record and are looking for more affordable prices, Integrity tends to be the much more affordable option with average premiums of $92 per month compared to $198 from Depositors.

Find your best rate in just a few minutes

How does Credit Score Impact Depositors and Integrity Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance prices. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for many drivers.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

Depositors Integrity
Excellent Credit Score$117$65
Good Credit Score$134$74

If you have solid credit, you'll usually find a better deal with Integrity. Drivers with "excellent" credit can save just under 45% compared to Depositors, and those with "good" scores can also expect to see savings -- about $60 or 45% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Depositors Integrity
Fair Credit Score$155$82
Poor Credit Score$185$102

Integrity typically offers lower premiums than Depositors when it comes to drivers with bad credit. Drivers with "fair" credit pay around $73 a month less with Integrity compared to Depositors, and those with "poor" scores generally save an average of about $83 a month.

Find your best rate in just a few minutes

Is Depositors or Integrity Better for Drivers who Work from Home or Have Short Commutes?

Depositors Integrity
6,000 Annual Miles$148$81
12,000 Annual Miles$148$81

Did you know that the amount of time you spend in your car have a substantial impact on your monthly rates? That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Depositors or Integrity report increasing premiums for drivers with higher annual mileage figures. Even so, Integrity comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $81 per month for both.

Depositors vs. Integrity: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a pretty big impact on your monthly insurance payment. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

Depositors Integrity
Urban Areas$174$82
Suburban Areas$139$78
Rural Areas$130$83

When comparing these two carriers side-by-side, Integrity typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save around $47 with Integrity compared to Depositors. Drivers in suburban ZIP codes pay about $61 less with Integrity compared to Depositors. In urban areas, Integrity Insurance's average rates are around $92 less than Depositors Insurance Company.

Depositors vs. Integrity Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Depositors and Integrity offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Depositors Integrity
Advance Quote Discount
Anti-Theft Discount 
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
EFT Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Homeowner Discount
Intra-Agency Transfer Discount 
Life Policy Discount
Multi-Car Discount
Multi-Policy Discount
New Vehicle Discount 
Paperless Discount 
Passive Restraint Discount 

Looking at the total number of discounts, Depositors comes out ahead with 17 discounts to Integrity's 13.

There are a couple discounts both companies offer, but Depositors also offers COVID-19 relief discount, EFT discounts, employee discounts, and more that Integrity does not.

On the flip side, Integrity has a couple unique discounts of its own -- anti-theft discounts, company car discounts, continuous insurance discounts, and more.

Find your best rate in just a few minutes

Final Thoughts: Is Depositors or Integrity Best for You?

So, we've broken down the average prices for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which company is the best one for you, your vehicle, and your wallet?

Integrity might be best for you if....

  • You have received a ticket within the last few years.
  • You live in an suburban area.
  • You've started working from home and don't have much of a commute.

Depositors might be best for you if...

  • You're looking for discounts -- Depositors has the most.

We hope this guide helps you get a better idea of the difference between Depositors and Integrity and that you can now make a more informed decision when it comes to 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 several companies, not just Depositors and Integrity. Luckily, 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 carriers in your area, all in just a few minutes.

Find your best rate in just a few minutes

Depositors vs. Integrity FAQs

Is Depositors or Integrity cheaper?

Looking just at the national average premiums, Integrity is the cheaper of the two companies, offering average rates of $81 a month compared to $148 for Depositors. Even so, Integrity won't necessarily be the lowest carrier for every policyholder, since there are a range of different variables that come into play when it comes to your auto insurance bill.

Who is better, Depositors or Integrity?

Unfortunately, the real answer is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique insurance profile looks like.

Why do Depositors and Integrity offer me different rates?

Car insurance carriers take a look at lots of different factors when calculating the prices they charge drivers. Things like age, where you call home, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Depositors and Integrity calculate rates differently, 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 lots of different companies.

How do I know if Depositors 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, sites like make it easy for you to do just that. Just enter your information once 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 rate. And who knows, the best carrier for you might not be Depositors or Integrity at all!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes