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

Quick Facts

• Looking at the national averages for insurance, Integon National offers significantly less expensive prices than Esurance
• Esurance may help you save more money -- they offer more discounts than Integon National Insurance Company
• Integon National tends to be a much cheaper option for policyholders who live in the suburbs

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

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

You've maybe even narrowed it down to Esurance or Integon National as your top options, but which carrier will save you the most?

Looking at the national average rates for both carriers, Integon National has average rates that are around 25% a month more affordable than those from Esurance.

That being said, that doesn't mean Integon National will necessarily be less expensive than Esurance for each driver. Car insurance companies vary their rates depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a variety of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

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

Esurance vs. Integon National: Average Car Insurance Rates by State

Esurance and Integon National only compete against each other in one states, with Integon National offering cheaper premiums to the average driver in all of them. California has the most noticable difference, where Integon National prices are $30 more affordable than auto insurance rates at Esurance.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your premiums. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Integon National save over 25% per month compared to those who use Esurance.

But both companies will decrease rates by the time drivers turn 25. For example, average premiums for Esurance policyholders lower about $500 and Integon National's prices reduce almost $400 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best rates for retired drivers between Esurance and Integon National? Integon National gets the edge here, with average prices coming in at around $170 a month compared to Esurance's $232.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be cheaper for married policyholders than they are for single drivers. This usually boils down to married drivers having multiple vehicles on their policy -- something a lot of auto insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Integon National premiums coming in at a quarter less than Esurance's. The advantage for married couples with Integon National is also obvious, where drivers save about $65 a month.

Esurance or Integon National: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for insurance than women.

On average, women see prices around $20 per month less expensive with Esurance, and nearly $20 with Integon National.

When it comes to the cheapest rates for each gender, Integon National offers the lowest average premiums for both men and women. On average, male drivers save about $82 a month and women save about $79 with Integon National compared to the average Esurance policyholder.

Esurance 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.

For most people, car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Integon National has the significant 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 per month to Esurance's $396.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that at-fault accidents and speeding tickets lead to higher rates, but which company -- Esurance or Integon National -- has the most affordable premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Esurance for their car insurance can typically expect their monthly bill to go up about 16% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of around 35%.

However, Integon National is generally the more affordable option for both drivers who have a recent ticket and those with clean records, offering prices that are $97 and $64 cheaper, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Esurance drivers who get in an accident can expect to see their premiums increase by over $100, while those who have insurance through Integon National will see about a $150 increase.

At the end of the day, drivers who use Integon National end up with the cheaper prices after an accident, with average prices coming in at $300 compared to Esurance's $364.

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 insurance bill -- typically a lot more than a collision or speeding ticket. For example, Integon National increases average rates by nearly $60 a month -- that's nearly a 30% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Integon National tends to be more affordable for the average driver, with monthly premiums coming in at around $204 to Esurance's $301.

How does Credit Score Impact Esurance and Integon National Rates?

Did you know many car insurance carriers take into account your credit score when determining prices? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it does affect several policyholders out there.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Esurance and Integon National, which one has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Integon National will normally reward you the most. For drivers with "excellent" credit scores, Integon National comes in NaN less expensive. Drivers with "good" credit scores generally save about 20% with Integon National compared to average premiums from Esurance.

Which Company is Best for Drivers with Bad Credit?

Integon National typically offers lower prices than Esurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 24% per month less with Integon National compared to Esurance, and those with "poor" scores usually save an average of about 38% monthly.

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

How much you drive can have a big impact on how much insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

Integon National tends to be the more affordable option for both remote workers and those taking short commutes. Integon National average prices for drivers with 6,000 annual miles come in more than $80 less expensive than Esurance. Those who drive 12,000 miles annually can expect to pay $80 less with Integon National over Esurance.

Esurance or Integon National: 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 considerable impact as well. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads where they live.

Integon National tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 17% with Integon National compared to Esurance. People who live in suburban areas pay about 11% less with Integon National compared to Esurance. For policyholders in urban ZIP codes, Integon National Insurance Company's average prices are around 44% less than Esurance.

Esurance 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 auto 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 can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Esurance and Integon National so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Esurance blows Integon National away when it comes to the sheer amount of discounts available, offering six more discounts than Integon National.

A couple of those are overlapping for things like advance quote discounts, anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. Esurance also offers discounts for education, good payer, military, and more.

On the other hand, Integon National has a few proprietary discounts of their own for things like drug and alcohol awareness discounts, EFT discounts, and low cost coverage discounts.

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

So, we've broken down the average rates for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which carrier is the best company for you and your specific driver profile?

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

• You like the personalized touch of a small, local company.
• You have above-average credit.
• You're of retirement age and want to take advantage of lower premiums.

Esurance might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You care about discounts (Esurance offers the most).

Hopefully, this guide helps you get a better idea of the difference between Esurance and Integon National. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 several companies, not just Esurance and Integon National. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Esurance vs. Integon National FAQs

Is Esurance or Integon National cheaper?

Integon National is the cheaper of the two companies when looking at national average prices, with policies averaging $218 a month with Integon National and $299 for Esurance. But that doesn't mean Integon National will be the most affordable company for everyone, since there are several different factors that come into play when it comes to your auto insurance cost.

Who is better, Esurance or Integon National?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Esurance and Integon National offer me different rates?

Insurance carriers use lots of different variables when calculating the rates they charge. Factors like gender, where you live, your driving record, age, and sometimes even things like your credit score can all come into play. Both Esurance and Integon National calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Esurance 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 multiple carriers 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 companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Esurance 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.