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

Quick Facts

• In general, Integrity offers significantly more affordable prices than Erie
• Erie offers more discounts than Integrity Insurance
• Integrity offers more affordable rates for residents of rural areas

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

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

Looking at the national average rates for both companies, Integrity is quite a bit cheaper than Erie, with prices averaging $81 per month compared to $153 with Erie.

That being said, that doesn't necessarily mean Integrity will be the less expensive option for each driver. Insurance carriers use tons of complex algorithms to calculate rates, so depending on how good your credit score is or how old you are (among lots of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Erie and Integrity by a range of different rate factors, so read on to find out which company is the best for you.

Erie or Integrity: Average Car Insurance Rates by State

Erie and Integrity only compete against each other in one states, with Integrity offering cheaper rates to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity premiums are over 60% less expensive than car insurance rates at Erie.

There's a lot more that goes into your auto insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Integrity for their auto insurance pay more than $100 less than those who use Erie. It's worth noting that Erie offers insurance in 11 different states compared to Integrity's two, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both companies will reduce prices by the time drivers turn 25. For example, average premiums for Erie policyholders decrease nearly 55% and Integrity's rates drop over 65% over that time.

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 most affordable prices out there.

When looking at Erie and Integrity specifically, which carrier is best for retired drivers? Integrity gets the edge here, with average rates coming in at about $61 per month compared to Erie's $116.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance premiums than married drivers. This usually boils down to married couples having more than one car on their policy -- something a lot of insurance carriers will reward with discounts.

When it comes to relationship status, Integrity is the clear winner for single drivers, with prices around $78 a month cheaper than Erie, on average. The advantage for married policyholders with Integrity is also obvious, where drivers save more than 50% per month.

Erie vs. Integrity: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll typically end up paying more for auto insurance than women.

Normally, men see rates over $10 a month higher with Erie, while with Integrity, the difference is closer to $8 per month.

When it comes to the cheapest premiums for each gender, Integrity offers the lowest average prices for both men and women. On average, women save about $70 a month and men save about $73 with Integrity compared to the average Erie policyholder.

Erie or Integrity: 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 a complicated subject for most people. There are a variety of different coverages that account for many 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.

The two most common policies end up falling into two different types of coverage -- 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 liability coverage).

If you're looking for state minimum limits for liability insurance, Integrity generally offers significantly more affordable rates of $38 compared to Erie's $91. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies around $90 per month less expensive than Erie, on average.

Is Erie or Integrity Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great premiums 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 accidents and tickets lead to higher prices, but which company -- Erie or Integrity -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Erie policyholders can expect their prices to go up an average of $18 a month if they get a ticket, while Integrity normally raises rates about $22 per month, on average.

However, Integrity is typically the cheaper option for drivers both with clean records and with a speeding ticket, offering premiums that are $56 and $52 more affordable, respectively, compared to Erie Insurance.

Which Company is Best for Drivers After an Accident?

Erie drivers who get in an accident can expect to see their prices rise by just under 25%, while those who have insurance through Integrity will see around a 25% increase.

Overall, drivers who use Integrity end up with the cheaper prices after an accident, with monthly rates averaging $84 compared to Erie Insurance's $157.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. On average, Erie will raise your prices about 40% after a DUI, while Integrity's average premiums increase by over 30%.

Integrity has the overall cheapest rates for drivers with a DUI on their records at $92 a month, but it's worth noting that Erie's average rates come from 11 states compared to just two for Integrity, so the data may be skewed slightly.

How does Credit Score Impact Erie and Integrity Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect lots of policyholders out there.

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

Looking at Erie and Integrity specifically, which carrier has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Integrity. Policyholders with "excellent" credit can save just under 30% compared to Erie, and those with "good" scores can also expect to see savings -- around $37 or 33% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower prices than Erie when it comes to drivers with bad credit. Drivers with "fair" credit pay about $68 a month less with Integrity compared to Erie, and those with "poor" scores generally save an average of around $156 monthly.

Is Erie or Integrity 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 rates. That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Integrity charges. However, there's a small difference in monthly prices for Erie, with drivers who put 6,000 miles on their car annually paying about $11 less each month compared to those who drive 12,000 miles every year. Still, Integrity is the more affordable option for drivers in both categories.

Erie vs. Integrity: 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 sizable impact as well. Usually, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

When comparing these two companies side-by-side, Integrity normally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save around 28% with Integrity compared to Erie. Drivers in suburban ZIP codes pay about 46% less with Integrity compared to Erie. In urban areas, Integrity Insurance's average premiums are around 58% less than Erie Insurance.

Erie vs. Integrity 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 with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the section below, we've taken a look at all of the different discounts Erie and Integrity offer their customers so that you can see which one can save you the most money each month.

Erie knocks Integrity out of the park when it comes to the sheer number of discounts available, offering 21 different discounts to Integrity's 13.

Both carriers offer a lot of the same discounts -- like anti-theft discounts, distant student discounts, and discounts for insuring multiple cars with the same company -- but Erie also offers ABS discounts, COVID-19 relief discount, driver training discounts, and more that Integrity does not.

On the flip side, Integrity has a couple unique discounts of its own -- company car discounts, continuous insurance discounts, discounts for being a good student, and more.

Final Thoughts: Is Erie or Integrity Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance carrier is the best fit for you?

Integrity might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You have less-than-stellar credit.
• You live in a rural area.

Erie might be best for you if...

• You're thinking about moving to another state -- Integrity Insurance is only available in IA and WI.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Erie and Integrity. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of carriers, not just Erie and Integrity. 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 insurance companies in your area, all in just a few minutes.

Erie vs. Integrity FAQs

Is Erie or Integrity cheaper?

Looking just at the national average prices, Integrity is the less expensive of the two carriers, offering average rates of $81 per month compared to $153 for Erie. That being said, Integrity won't necessarily be the lowest company for each policyholder, since there are a bunch of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Erie or Integrity?

Sadly, the real answer is "it depends.". No one carrier is "better" for every driver -- it all boils down to your unique car insurance profile.

Why do Erie and Integrity offer me different rates?

Insurance companies take a look at many different factors when calculating the rates they charge policyholders. Things like age, where you live, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Erie and Integrity use 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 multiple different carriers.

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

The only way to find the car 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Erie or Integrity 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.