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

Quick Facts

• In general, Farmers offers slightly less expensive premiums than Integon National
• Farmers offers more affordable rates for policyholders whose driving record contains an at-fault collision
• Integon National has cheaper premiums for policyholders who haven't received any speeding tickets or been in a collision in the last few years

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Farmers or Integon National for your next policy, but which one will save you the most?

Looking at the national average rates for both carriers, Integon National is around $15 more a month than Farmers.

However, that doesn't necessarily mean Farmers will be the more affordable option for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

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

Farmers and Integon National only compete against each other in two states, with Integon National offering cheaper premiums to the average driver in all of them. If you live in Washington, Farmers is the less expensive of the two carriers when looking at the overall average prices. Integon National is the more affordable option in California.

But there's more to calculating insurance rates than just where you live. Read on to find out more.

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. Typically, that'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 that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Farmers for their insurance pay almost 2% less than those who use Integon National.

But both companies will drop rates by the time 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, Farmers still has the most affordable premiums at $155 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest car insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best prices for retired drivers between Farmers and Integon National? Farmers gets the edge here, with average premiums coming in at about $143 a month compared to Integon National's $170.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for those who are single than they are for married couples. That's because policies for married policyholders generally cover more than one vehicle, which quite a few carriers will give you a discount for.

If you're in the market for insurance, Farmers tends to have the cheapest average prices regardless of marital status, with prices around $20 less expensive for single policyholders and about $5 cheaper for married drivers.

Farmers or Integon National: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets. That means when it comes to auto insurance men will usually end up paying a little more.

On average, men see rates around $7 per month higher with Farmers, and about $20 with Integon National.

Looking at overall affordability, Farmers comes out as the most affordable option for both genders, with average premiums $20 less for men and $9 cheaper for women.

Farmers 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.

It's no secret that insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

Looking specifically at state minimum liability insurance, Farmers has the slight edge, with average monthly rates coming in at $126. If you want a full coverage policy with the same state minimum limits, Farmers again has the edge, with policies averaging around $281 a month to Integon National's $308.

Is Farmers 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 car 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 speeding tickets and collisions lead to higher prices, but which company -- Farmers or Integon National -- has the cheapest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Farmers for their auto insurance can generally expect their monthly bill to go up about 21% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of around 35%.

If you have gotten a ticket, Farmers tends to offer the best prices at about 8% more affordable, while Integon National has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with Integon National climbing by around 52%. Farmers has a less extreme rise, but you can still expect to pay nearly 30% more than you were prior to your first collision.

At the end of the day, the less expensive premiums come from Farmers, with average prices coming in at $224 compared to Integon National Insurance Company's $300.

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 speeding ticket when it comes to your insurance bill. On average, Integon National will climb your premiums about 29% after a DUI, while Farmers's average rates climb by more than 25%.

But if you end up with a DUI charge and are looking for more affordable prices, Integon National tends to be more affordable for the average driver, with monthly premiums coming in at around $204 to Farmers's $221.

How does Credit Score Impact Farmers and Integon National Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect lots of drivers out there.

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

Looking at Farmers and Integon National specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Farmers will normally reward you the most. For drivers with "excellent" credit scores, Farmers comes in just under 18 cheaper. Drivers with "good" credit scores typically save about 14% with Farmers compared to average prices from Integon National.

Which Company is Best for Drivers with Bad Credit?

Farmers typically offers lower premiums than Integon National when it comes to drivers with bad credit. Drivers with "fair" credit pay around 10% per month less with Farmers compared to Integon National, and those with "poor" scores usually save an average of about 2% per month.

Is Farmers 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? Normally, those who drive less will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers charges. However, there's a small difference in monthly prices for Integon National, with policyholders who drive 6,000 miles each year paying around $2 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Farmers is the cheaper carrier.

Farmers or Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a large role in how much you pay for insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Looking at these companies side-by-side, Farmers boasts the most affordable average prices in rural and suburban areas, while Integon National wins in urban areas.

If you live in a rural area, you can expect to pay about $170 monthly with Farmers compared to Integon National's $175. People in suburban areas pay a monthly premium of around $189 with Farmers compared to $256 with Integon National. For drivers in urban ZIP codes, Integon National's average rates are about $223 a month compared to Farmers's $251.

Farmers vs. Integon National Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Farmers and Integon National so that you can see which company can save you the most money each month.

Farmers knocks Integon National out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Integon National.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, EFT discounts, and group discounts. Farmers also offers discounts for alternative fuel, distant student, driver training, and more.

On the other hand, Integon National has a few proprietary discounts of their own for things like agency transfer discounts, DRL discounts, drug and alcohol awareness discounts, and more.

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

So, we've broken down the average prices for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, which carrier is the best carrier for you and your specific needs?

Farmers might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for the best premiums on liability only coverage.
• Your neighborhood is in a rural area.

Integon National might be best for you if...

• You live in one of the following states: California, North Carolina, Virginia, and Washington.
• Your driving record includes a DUI charge.
• Your home is in a busy urban area.

Hopefully, this guide has ben a valuable resource as you compare Farmers and Integon National and that you can now make a more informed decision when it comes to your car 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 Farmers and Integon National. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Farmers vs. Integon National FAQs

Is Farmers or Integon National cheaper?

Farmers is the more affordable of the two companies when looking at national average rates, with policies averaging $203 per month with Farmers and $218 for Integon National. That being said, that doesn't mean Farmers will be the lowest company for each driver, since there are a range of different variables that are considered when it comes to your car insurance cost.

Who is better, Farmers or Integon National?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like. For example, Farmers is less expensive for drivers with excellent credit, while Integon National offers more affordable premiums for drivers with a recent DUI.

Why do Farmers and Integon National offer me different rates?

Insurance carriers use a lot of different factors when determining the prices they charge. Things like age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be used. Both Farmers and Integon National calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Farmers 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 area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Farmers 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.