Emc vs. Imt: Which Company is the Best Fit for You?

If you're in the market for a new insurance policy, you might be wondering how Imt and Emc compare when it comes to the most affordable prices 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
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Quick Facts

  • Based on national averages for car insurance, Emc offers significantly cheaper premiums than Imt
  • Emc has less expensive rates for policyholders who haven't received any speeding tickets or been in an accident in the last few years
  • Emc offers more discounts than IMT Insurance

Emc vs. Imt: Which Company has the Cheapest Car Insurance?

So, you're thinking about 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've maybe even narrowed it down to Emc or Imt as your top options, but which one has more affordable prices for auto insurance?

Emc Imt

Looking at the national average rates for both companies, Emc has average rates that are about 35% per month less expensive than those from Imt.

That being said, that doesn't mean Emc will necessarily be cheaper than Imt for every single driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things). So, at the end of the day, rates from every company will differ quite a bit from person to person.

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

Emc or Imt: Average Car Insurance Rates by State

State Emc Imt

Emc and Imt only compete against each other in Nebraska, where Emc offers the cheaper average rates. For Nebraska residents, undefined offers car insurance for undefined per month on average. undefined's average prices come out to be more expensive, at undefined monthly.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Continue reading to learn more about how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Emc Imt
18-year-old drivers$138$201
25-year-old drivers$77$108

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. 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 car insurance prices. As you can see above, teens who use Emc save nearly $65 a month compared to those who use Imt.

Even so, both carriers will lower premiums by the time you turn 25. Imt offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Emc still has the lowest rates at $77 a month.

Which is the Best Company for Retired Drivers?

Emc Imt
65+-year-old drivers$48$82

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

But who has the best prices for retired drivers between Emc and Imt? Emc gets the edge, with rates for drivers 65 and older more than 40% more affordable than the national average for Imt.

Which is the Best Company for Married Drivers?

Emc Imt

You may not be aware, but auto insurance premiums tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married couples generally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Emc is the clear winner for those who are single, with prices around $42 per month less expensive than Imt, on average. The advantage is also clear for married drivers - Emc offers the most affordable average rates.

Emc vs. Imt: Average Rates by Gender

Emc Imt

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 usually end up paying a little more.

On average, men see premiums almost 10% a month higher with Emc, while with Imt, the difference is closer to 10% per month.

When it comes to the lowest prices for each gender, Emc comes out as the cheapest option for both genders. On average, male drivers save about $40 a month and women save about $35 with Emc compared to the average Imt policyholder.

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Emc or Imt: Compare State Minimum vs. Full Coverage Rates

Emc Imt
State Minimum*$24$58
Full Coverage**$118$160

*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. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum liability insurance, Emc normally offers significantly cheaper premiums of $24 compared to Imt's $58. When it comes to full coverage policies with similar limits, Emc again has the edge, with policies around $40 per month more affordable than Imt, on average.

Is Emc or Imt Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 collisions and tickets on your record, but which of these two carriers offers the lowest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Emc Imt
Clean Record$67$76
1 Speeding Ticket$70$89

Emc policyholders can expect their prices to go up an average of $3 a month if they get a ticket, while Imt generally raises premiums about $13 per month, on average.

However, Emc has less expensive rates for drivers in both categories, offering premiums that are 12% and 21% more affordable, respectively, compared to IMT Insurance.

Which Company is Best for Drivers After an Accident?

Emc Imt
Clean Record$67$76
1 At-Fault Accident$74$134

After an accident, drivers who have their auto insurance through Emc can expect to see around an $7 -- or about 9% -- increase in their insurance rates. Drivers who use Imt for their car insurance will see a monthly bill around $58 (or 43%) more expensive after reporting a collision to their insurance company.

Overall, Emc offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $74 compared to IMT Insurance's $134.

Which Company is Best for Drivers with a DUI?

Emc Imt
Clean Record$67$76
1 DUI$74$135

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than an accident or speeding ticket. On average, Imt will climb your prices about 44% after a DUI, while Emc's average rates increase by just under 10%.

If you have a DUI on your record and are looking for more affordable prices, Emc tends to be the much cheaper option with average premiums of $74 monthly compared to $135 from Imt.

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How does Credit Score Impact Emc and Imt Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for several drivers.

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

Looking at Emc and Imt specifically, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Emc Imt
Excellent Credit Score$60$86
Good Credit Score$64$102

Which Company is Best for Drivers with Bad Credit?

Emc Imt
Fair Credit Score$70$108
Poor Credit Score$92$140

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Is Emc or Imt Better for Drivers who Work from Home or Have Short Commutes?

Emc Imt
6,000 Annual Miles$64$109
12,000 Annual Miles$79$109

Did you know that the amount of time you spend in your car have a substantial impact on your monthly rates? Usually, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Imt charges. However, there's a significant difference in monthly rates for Emc, with policyholders who drive the least paying around $15 less every month compared to those who drive 12,000 miles yearly. Still, Emc is the more affordable option for drivers in both categories.

Emc vs. Imt: 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 car insurance, but the type of area you live in can have a pretty big impact as well. Typically, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the road in those areas, which reduces the chances of an accident.

Emc Imt
Urban Areas$75$136
Suburban Areas$72$100
Rural Areas$68$90

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

Policyholders in rural ZIP codes see the most affordable premiums from both companies, but Emc comes out on top with average rates about $68 per month. Emc also has cheaper average prices for drivers in urban and suburban ZIP codes -- a $61 and $28 a month respective difference when compared to Imt policyholders in similar areas.

Emc vs. Imt 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.

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

Below, we've broken down all of the different discounts offered by both Emc and Imt so that you can find the company that has the most discounts and, therefore, the biggest savings.

Emc Imt
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Commercial Product Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount
EFT Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Mature Driver Discount 
Minor Child Discount 
Multi-Policy Discount
Paid In Full Discount 
Passive Restraint Discount 
Telematics Discount 
Umbrella Policy Discount 

Overall, Emc has the advantage when it comes to total number of discounts. Imt offers a grand total of nine discounts, while Emc has 13.

A couple of those are overlapping for things like distant student discounts, discounts for being a good student, and multi-policy discounts. Emc also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Imt does not.

On the flip side, Imt has a couple unique discounts of its own -- commercial product discounts, discounts for being a defensive driver, group discounts, and more.

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Final Thoughts: Is Emc or Imt Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance carrier is the best carrier for you, your vehicle, and your wallet?

Emc might be best for you if....

  • You want to save money on your auto insurance after an accident.
  • Your home is located in the suburbs.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

Imt might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Emc and Imt and that it aids in making a more informed 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 a handful of companies, not just Emc and Imt. Luckily, sites like Compare.com do all the hard work for you. 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.

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Emc vs. Imt FAQs

Is Emc or Imt cheaper?

Looking just at the national average premiums, Emc is the more affordable of the two companies, offering average rates of $71 per month compared to $109 for Imt. Even so, Emc won't necessarily be the cheapest company for each policyholder, since there are a bunch of different factors that come into play when it comes to your insurance payment.

Who is better, Emc or Imt?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Emc and Imt offer me different rates?

Insurance carriers take a look at many different variables when determining the rates they charge drivers. Factors such as where you call home, gender, where you live, age, and sometimes even things like your credit score can all be used. Both Emc and Imt calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different companies.

How do I know if Emc or Imt is right for me?

The only way to find the car 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, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Emc or Imt 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.

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