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

Quick Facts

• In general, Integrity offers significantly more affordable premiums than Farmers Automobile
• Integrity offers more affordable prices for drivers with a DUI charge on their record
• Integrity offers less expensive average rates for drivers who have less-than-stellar credit

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Farmers Automobile or Integrity as potential options, but between the two, which carrier will offer you cheaper premiums?

As you can see, Integrity is quite a bit cheaper than Farmers Automobile, with prices averaging $81 per month compared to $123 with Farmers Automobile when looking at the national average rates for auto insurance.

But that doesn't mean Integrity will necessarily be more affordable than Farmers Automobile for every driver. Insurance companies vary their rates depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and a variety of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Farmers Automobile or Integrity is really the best for you, keep reading to see average premiums for each company broken down by a range of different rate factors.

Farmers Automobile or Integrity: Average Car Insurance Rates by State

Farmers Automobile and Integrity only compete against each other in two states, with Farmers Automobile offering less expensive rates to the average driver in all of them. If you live in Iowa, Farmers Automobile is the cheaper of the two carriers when looking at the overall average premiums. Integrity is the more affordable option in Wisconsin.

But there's more to calculating car insurance prices than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Integrity for their insurance pay more than $80 less than those who use Farmers Automobile.

However, both companies will offer you dramatically lower prices once you turn 25. For example, average rates for Farmers Automobile policyholders lower over $150 and Integrity's premiums reduce nearly $150 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Integrity gets the edge here, with average prices coming in at about $61 per month compared to Farmers Automobile's $96.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive car insurance premiums than single drivers. This usually boils down to married couples having several cars on their policy -- something many insurance carriers will reward with discounts.

When it comes to relationship status, Integrity is the clear winner for those who are single, with rates around $46 a month cheaper than Farmers Automobile, on average. The advantage for married policyholders with Integrity is also obvious, where drivers save almost 40% per month.

Farmers Automobile vs. Integrity: Average Rates by Gender

Did you know men tend to pay more for car insurance than women? This is because women are less likely to get speeding tickets and get into accidents, which decreases the chances of an insurance claim.

Men normally pay about $1 a month more than women with Farmers Automobile, while with Integrity, the difference is closer to $8 per month.

When it comes to the most affordable prices for each gender, Integrity comes out on top for both men and women, with average rates 31% less for men and 37% cheaper for women.

Farmers Automobile 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.

Auto insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Integrity typically offers significantly more affordable premiums of $38 compared to Farmers Automobile's $75. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies around $45 a month less expensive than Farmers Automobile, on average.

Is Farmers Automobile or Integrity 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 companies offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers Automobile policyholders can expect their rates to go up an average of $22 per month if they get a ticket, while Integrity generally raises premiums about $22 a month, on average.

That being said, Integrity is usually the more affordable option for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 28% and 22% cheaper, respectively, compared to Farmers Automobile Insurance Association.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Farmers Automobile increasing by $30. Integrity has a less extreme increase, but you can still expect to pay over $20 more than you were prior to your first collision.

Overall, the less expensive rates come from Integrity, with monthly prices averaging $84 compared to Farmers Automobile Insurance Association's $117.

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 -- normally a lot more than a collision or ticket. Farmers Automobile drivers usually see a 51% raise in their auto insurance rates after a DUI charge, while Integrity will typically climb premiums by around 32%.

If you have a DUI on your record and are looking for more affordable prices, Integrity tends to be the much cheaper option with average rates of $92 a month compared to $178 from Farmers Automobile.

How does Credit Score Impact Farmers Automobile and Integrity Rates?

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

The reasoning car insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking specifically at Integrity and Farmers Automobile, which one has the cheapest rates 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 20% compared to Farmers Automobile, and those with "good" scores can also expect to see savings -- about $25 or 25% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower prices than Farmers Automobile when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $41 per month less with Integrity compared to Farmers Automobile, and those with "poor" scores normally save an average of about $87 monthly.

Is Farmers Automobile or Integrity Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly insurance bill. That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident 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 significant difference in monthly premiums for Farmers Automobile, with drivers who put 6,000 miles on their car annually paying around $21 less every month compared to those who drive 12,000 miles each year. Still, Integrity is the cheaper option for drivers in both categories.

Farmers Automobile vs. Integrity: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance payment. Usually, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

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

If you live in a rural area, you can expect to save about 1% with Integrity compared to Farmers Automobile. Drivers in suburban ZIP codes pay around 15% less with Integrity compared to Farmers Automobile. In urban areas, Integrity Insurance's average rates are about 57% less than Farmers Automobile Insurance Association.

Farmers Automobile vs. Integrity Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

The hard 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 taken a look at all of the different discounts Farmers Automobile and Integrity offer their customers 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, Integrity comes out ahead with 13 discounts to Farmers Automobile's 11.

There are a couple discounts both companies offer, but Integrity also offers company car discounts, continuous insurance discounts, distant student discounts, and more that Farmers Automobile does not.

On the flip side, Farmers Automobile has a couple unique discounts of its own -- EFT discounts, hybrid vehicle discounts, paid in full discounts, and more.

Final Thoughts: Is Farmers Automobile or Integrity Best for You?

So, you've seen how different factors can affect your insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right company for you and your specific needs?

Integrity might be best for you if....

• You have a DUI charge on your record.
• You already have a great credit score.
• You've started working from home and don't have much of a commute.

Farmers Automobile might be best for you if...

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

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

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Farmers Automobile and Integrity. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Farmers Automobile vs. Integrity FAQs

Is Farmers Automobile or Integrity cheaper?

Looking just at the national average prices, Integrity is the more affordable of the two carriers, offering average rates of $81 a month compared to $123 for Farmers Automobile. Even so, Integrity won't necessarily be the cheapest carrier for everyone, since there are many different variables that are considered when it comes to your car insurance cost.

Who is better, Farmers Automobile or Integrity?

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

Why do Farmers Automobile and Integrity offer me different rates?

Insurance companies take a look at lots of different factors when determining the rates they charge policyholders. Things like where you live, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Farmers Automobile and Integrity calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 most affordable rate. And who knows, the best carrier for you might not be Farmers Automobile 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.