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

Quick Facts

• Looking at the national averages for insurance, Erie offers significantly cheaper prices than Integon National
• Erie offers less expensive average rates for couples purchasing auto insurance together
• Erie offers more affordable prices for residents of rural areas

Erie 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 pretty big discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Erie or Integon National for your next policy, but which company will save you the most?

Looking at the national average rates for both companies, Integon National is quite a bit more expensive than Erie, with premiums averaging $218 per month compared to just $153 with Erie.

Even so, Erie may not be the lowest or best option for every driver out there. Insurance carriers 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 variety of other factors, so prices could differ drastically from person to person.

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

Erie or Integon National: Average Car Insurance Rates by State

Erie and Integon National only compete against each other in two states, with Integon National offering more affordable premiums to the average driver in all of them. Virginia has the most noticable difference, where Erie rates are over 70% cheaper than car insurance premiums at Integon National.

That being said, there are plenty of other factors that go into your insurance bill than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Erie save nearly $250 a month compared to those who use Integon National.

But with both companies, you'll see your premiums reduce significantly once you turn 25. Integon National offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Erie still has the most affordable prices at $142 per month.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Erie and Integon National? Erie gets the edge, with prices for drivers 65 and older more than 30% more affordable than the national average for Integon National.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are usually less expensive for married policyholders than they are for single drivers? That's generally because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Erie is the clear winner for those who are single, with prices about $91 per month more affordable than Integon National, on average. The advantage is also clear for married drivers - Erie offers the most affordable average premiums.

Erie vs. Integon National: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for car insurance than women.

Women typically pay around 7% a month less than men with Erie, while with Integon National, the difference is closer to 8% per month.

Looking at the data for each carrier specifically, Erie offers the cheapest average prices for both men and women. On average, women save about $62 a month and men save about $69 with Erie compared to the average Integon National policyholder.

Erie 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.

It's no secret that auto insurance can be pretty complicated. There are multiple different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Erie generally offers significantly less expensive rates of $91 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Erie again has the edge, with policies around $95 per month cheaper than Integon National, on average.

Is Erie or Integon National Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 most affordable premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Erie policyholders can expect their rates to go up an average of $18 a month if they get a ticket, while Integon National usually raises prices about $78 per month, on average.

That being said, Erie has less expensive premiums for drivers in both categories -- their rates are around 18% more affordable for drivers with clean records and 39% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Integon National raising by over $150. Erie has a less extreme climb, but you can still expect to pay just under $40 more than you were prior to your first collision.

Overall, Erie offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $157 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 auto insurance bill -- typically a lot more than a collision or speeding ticket. On average, Erie will raise your premiums around 40% after a DUI, while Integon National's average prices rise by just under 30%.

If you have a DUI on your record and are looking for more affordable rates, Erie tends to be the much less expensive option with average prices of $198 a month compared to $204 from Integon National.

How does Credit Score Impact Erie and Integon National Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly insurance premiums. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few drivers.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will normally be forced to pay more.

Looking at Erie and Integon National specifically, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

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

Erie tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Integon National average premiums for drivers with 6,000 annual miles come in about $70 more expensive than Erie. Those who drive 12,000 miles each year can expect to pay around $61 more with Integon National over Erie.

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

Where you live can have a substantial impact on your monthly auto insurance payment. Generally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads in those areas.

Erie boasts the cheapest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable premiums from both companies, but Erie comes out on top with average prices about $115 monthly. Erie also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $29 and $111 a month respective difference when compared to Integon National drivers in similar areas.

Erie vs. Integon National Discounts

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

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 can take advantage of.

In the section below, we've broken down all of the different discounts offered by both Erie and Integon National so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Overall, Erie comes out ahead with 21 discounts to Integon National's 18.

There are a couple discounts both carriers offer, but Erie also offers COVID-19 relief discount, distant student discounts, driver training discounts, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- agency transfer discounts, drug and alcohol awareness discounts, EFT discounts, and more.

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

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

Erie might be best for you if....

• You have a DUI charge on your record.
• You want to save extra money with discounts.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Integon National 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 Erie and Integon National. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Erie and Integon National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Erie vs. Integon National FAQs

Is Erie or Integon National cheaper?

Looking just at the national average prices, Erie is the cheaper of the two companies, offering average rates of $153 per month compared to $218 for Integon National. However, Erie won't necessarily be the cheapest company for everyone, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Erie or Integon National?

Sadly, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Erie and Integon National offer me different rates?

Insurance carriers take a look at many different factors when calculating the premiums they charge policyholders. Things such as your driving record, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both Erie and Integon National calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car 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 information once 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 cheapest premium. And who knows, the best company for you might not be Erie 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.