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

Quick Facts

• Based on national averages for insurance, Integon National offers significantly more affordable prices than Donegal Mutual
• Donegal Mutual may help you save more money -- they offer more discounts than Integon National Insurance Company
• Integon National offers less expensive average rates for single people who will be the only person on the auto insurance policy

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

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Donegal Mutual or Integon National as potential options, but which carrier will save you the most?

Looking at the national average rates for both carriers, Donegal Mutual is around $72 more a month than Integon National.

However, Integon National may not be the cheapest or best option for each driver out there. Car insurance companies use a ton of complex algorithms to determine premiums, so depending on how old you are or where you live (among a bunch of other factors), you could see wildly different rates from the ones above.

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

Donegal Mutual vs. Integon National: Average Car Insurance Rates by State

Donegal Mutual and Integon National only compete against each other in one states, with Donegal Mutual offering cheaper premiums to the average driver in all of them. Virginia has the most noticable difference, where Donegal Mutual rates are $142 more affordable than insurance prices at Integon National.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your premiums. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of over 15% less per month by choosing Integon National over Donegal Mutual.

That being said, with both companies, you'll see your rates drop significantly by the time drivers turn 25. For example, average prices for Donegal Mutual policyholders decrease more than 60% and Integon National's premiums reduce almost 70% 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 most affordable rates you'll ever find.

When looking at Donegal Mutual and Integon National specifically, which carrier is best for retired drivers? Integon National gets the edge, with prices for drivers 65 and older $42 cheaper than the national average for Donegal Mutual.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive car insurance premiums than those who are single. This usually boils down to married drivers having multiple vehicles on their policy -- something lots of auto insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with Integon National prices coming in at a quarter less than Donegal Mutual's. The advantage is also clear for married couples - Integon National offers the lowest average premiums.

Donegal Mutual or Integon National: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher prices.

On average, women see rates about 6% a month less with Donegal Mutual, and around 8% less with Integon National.

Looking at the data for each company specifically, Integon National offers the most affordable average premiums for both men and women. On average, women save about $72 per month and men save about $72 with Integon National compared to the average Donegal Mutual policyholder.

Donegal Mutual 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.

It's no secret that insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Integon National has the edge, with average monthly prices coming in at $128. If you want a full coverage policy with the same state minimum limits, Integon National again has the edge, with policies averaging around $308 a month to Donegal Mutual's $409.

Is Donegal Mutual or Integon National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- Donegal Mutual or Integon National -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Donegal Mutual for their insurance can generally expect their monthly bill to go up about 19% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of around 35%.

That being said, Integon National tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 26% cheaper for drivers with clean records and 9% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Donegal Mutual can expect to see about an $48 -- or around 20% -- rise in their insurance prices. Drivers who use Integon National for their car insurance will see a monthly bill about $155 (or 52%) more expensive after reporting a collision to their auto insurance company.

At the end of the day, drivers who use Donegal Mutual end up with the cheaper prices after an accident, with average rates coming in at $245 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or speeding ticket. Donegal Mutual drivers usually see a 58% raise in their auto insurance prices after a DUI charge, while Integon National will typically increase premiums by around 29%.

But if you end up with a DUI charge and are looking for more affordable prices, Integon National tends to be more affordable for the average driver, with monthly premiums coming in at about $204 to Donegal Mutual's $472.

How does Credit Score Impact Donegal Mutual and Integon National Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it does affect quite a few drivers out there.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Integon National and Donegal Mutual, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Donegal Mutual or Integon National 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 your monthly premiums. Generally, those who drive fewer miles will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Integon National tends to be the cheaper option. Integon National average premiums for drivers with 6,000 annual miles come in $55 more affordable than Donegal Mutual. Those who drive 12,000 miles yearly can expect to pay nearly $90 less with Integon National over Donegal Mutual.

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

Where you live can play a substantial role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

Integon National boasts the cheapest average premiums in rural and urban areas, while Donegal Mutual wins in suburban areas.

Those in rural areas can expect to save around 5% with Integon National compared to Donegal Mutual. People who live in suburban areas pay about 6% less with Donegal Mutual compared to Integon National. For policyholders in urban ZIP codes, Integon National Insurance Company's average prices are around 50% less than Donegal Mutual Insurance Company.

Donegal Mutual vs. Integon National Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Donegal Mutual 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.

Looking at the total number of discounts, Donegal Mutual has a slight advantage when it comes to total number of discounts. Integon National offers a grand total of 18 discounts, while Donegal Mutual has 20.

Both companies offer several of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and discounts for insuring multiple cars with the same company -- but Donegal Mutual also offers discounts for driver training, family discount, hybrid vehicle, and more.

On the other hand, Integon National has a few proprietary discounts of their own for things like agency transfer discounts, DRL discounts, drug and alcohol awareness discounts, and more.

Final Thoughts: Is Donegal Mutual or Integon National 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, which insurance carrier is the best company for you and your specific profile and needs?

Integon National might be best for you if....

• You're worried about the impact your credit score will have on your premiums.
• You and your spouse are buying auto insurance together.

Donegal Mutual might be best for you if...

• Your driving record contains an at-fault collision.
• You want to save extra money with discounts.
• Your neighborhood is in the suburbs.

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

Donegal Mutual vs. Integon National FAQs

Is Donegal Mutual or Integon National cheaper?

Integon National is the cheaper of the two carriers when looking at national average rates, with policies averaging $218 per month with Integon National and $290 for Donegal Mutual. But that doesn't mean Integon National will be the lowest company for each driver, since there are a range of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Donegal Mutual or Integon National?

Sadly, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Integon National is more affordable for drivers who have less-than-stellar credit scores, while Donegal Mutual offers less expensive prices for drivers with an at-fault accident on their record.

Why do Donegal Mutual and Integon National offer me different rates?

Insurance companies use a lot of different factors when determining the premiums they charge. Things such as age, where you park your car, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Donegal Mutual and Integon National calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if Donegal Mutual 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 several companies 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Donegal Mutual 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.