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

Quick Facts

• Based on national averages for car insurance, Integrity offers significantly cheaper prices than Farmers
• Farmers offers more discounts than Integrity Insurance
• Integrity tends to be a much more affordable option for drivers who have an at-fault accident on their record

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

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Farmers or Integrity as potential options, but between the two, which company will save you the most?

Looking at nationwide averages, Farmers has average rates that are about 60% per month more expensive than those from Integrity.

That being said, that doesn't necessarily mean Integrity will be the less expensive option for every single driver. Insurance companies vary their rates depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and all sorts of other factors, so prices will change quite a bit from person to person.

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

Farmers or Integrity: Average Car Insurance Rates by State

Farmers and Integrity only compete against each other in two states, with Integrity offering more affordable premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity rates are over 70% less expensive than auto insurance premiums at Farmers.

But there's more to car insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your prices. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers. It's typically because 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 that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of nearly $350 less a month by choosing Integrity over Farmers. It's worth noting that Farmers offers auto insurance in 25 different states compared to Integrity's two, which can skew the average rates a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your premiums reduce significantly once you turn 25. Integrity offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Farmers's average rates decrease more than 70% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Farmers and Integrity specifically, which carrier is best for retired drivers? Integrity gets the edge, with prices for drivers 65 and older over 55% cheaper than the national average for Farmers.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance premiums than married policyholders. That's because policies for married couples generally cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, Integrity is the clear winner for those who are single, with prices around $147 per month more affordable than Farmers, on average. The advantage for married drivers with Integrity is also obvious, where drivers save about $90 a month.

Farmers vs. Integrity: 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 usually pay around 3% per month less than men with Farmers, and almost 10% less with Integrity when compared to their male counterparts.

Looking at overall affordability, Integrity comes out on top for both men and women, with average rates 59% less for men and 62% cheaper for women.

Farmers 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 isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

However, most 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 a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, Integrity normally offers significantly cheaper premiums of $38 compared to Farmers's $126. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies about $150 a month less expensive than Farmers, on average.

Is Farmers or Integrity Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers policyholders can expect their rates to go up an average of $44 per month if they get a ticket, while Integrity typically raises prices around $22 a month, on average.

But Integrity has cheaper premiums for drivers in both categories. Drivers with a clean record can save about $99 per month and drivers with a speeding ticket can save around $121 a month with Integrity Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Farmers climbing by over $60. Integrity has a less extreme increase, but you can still expect to pay more than $20 more than you were prior to your first accident.

Overall, drivers who use Integrity end up with the cheaper prices after an accident, with monthly prices averaging $84 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. For example, Farmers increases average premiums by just under $60 per month -- that's over a 25% increase.

Integrity has the overall lowest rates for drivers with a DUI on their records at $92 a month, but it's worth noting that Farmers's average rates come from 25 states compared to just two for Integrity, so the data may be skewed slightly.

How does Credit Score Impact Farmers and Integrity Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance premiums. This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for quite a few drivers.

Auto insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the most affordable prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Integrity. Drivers with "excellent" credit can save more than 60% compared to Farmers, and those with "good" scores can also expect to see savings -- about $111 or 60% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than Farmers when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $127 a month less with Integrity compared to Farmers, and those with "poor" scores generally save an average of about $154 per month.

Is Farmers 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 premiums. That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Farmers or Integrity report increasing prices for drivers with higher annual mileage figures. Even so, Integrity comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $81 per month for both.

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

Where you call home can play a pretty big role in how much you pay for insurance. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

When comparing these two companies side-by-side, Integrity typically comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save around 51% with Integrity compared to Farmers. Drivers in suburban ZIP codes pay about 59% less with Integrity compared to Farmers. In urban areas, Integrity Insurance's average rates are around 67% less than Farmers Insurance.

Farmers 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.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

In the section below, we've broken down all of the different discounts offered by both Farmers and Integrity so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Farmers blows Integrity away when it comes to the sheer amount of discounts available, offering 15 more discounts than Integrity.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for being a good student, and life policy discounts. Farmers also offers ABS discounts, alternative fuel discounts, 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, and prior bi limit discounts.

Final Thoughts: Is Farmers or Integrity Best for You?

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance company is the best one for you and your specific driver profile?

Integrity might be best for you if....

• You're single and purchasing insurance by yourself.
• You have above-average credit.
• You are over 65 years old and want to save some money on your car insurance.

Farmers might be best for you if...

• You're planning on moving to another state soon -- Integrity Insurance is only available to Iowa and Wisconsin residents.
• You're looking for discounts -- Farmers has the most.

We hope this guide helps you get a better idea of the difference between Farmers and Integrity. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Farmers and Integrity. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Farmers vs. Integrity FAQs

Is Farmers or Integrity cheaper?

Looking just at the national average premiums, Integrity is the more affordable of the two companies, offering average rates of $81 a month compared to $203 for Farmers. Even so, Integrity won't necessarily be the most affordable carrier for each driver, since there are lots of different factors that come into play when it comes to your car insurance bill.

Who is better, Farmers or Integrity?

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

Why do Farmers and Integrity offer me different rates?

Insurance carriers take a look at several different variables when calculating the rates they charge policyholders. Factors such as your driving record, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Farmers and Integrity use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of 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 free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Farmers 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.