First American Property & Casualty vs. Integon National: Which Company is the Best Fit for You?

Quick Facts

• In general, First American Property & Casualty offers significantly cheaper premiums than Integon National
• First American Property & Casualty has less expensive rates for policyholders who live in urban areas
• Integon National offers more affordable prices for drivers with a DUI

First American Property & Casualty or Integon National: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to First American Property & Casualty or Integon National, but between the two, which one has more affordable premiums for auto insurance?

Looking at the national average rates for both carriers, Integon National is around $51 more a month than First American Property & Casualty.

But that doesn't necessarily mean First American Property & Casualty will be the less expensive option for every single driver. Insurance companies use tons of complex algorithms to determine rates, so depending on where you live or how old you are (among a variety of other factors), you could see wildly different prices from the ones above.

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

First American Property & Casualty vs. Integon National: Average Car Insurance Rates by State

First American Property & Casualty and Integon National only compete against each other in California, where Integon National offers the cheaper average rates. Integon National drivers tend to pay about $49 per month less on average compared to drivers who use First American Property & Casualty for their car insurance.

There are plenty of other factors that go into your auto insurance cost than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use First American Property & Casualty save almost 35% a month compared to those who use Integon National.

However, both carriers will lower rates by the time drivers turn 25. For example, average premiums for First American Property & Casualty policyholders drop about $200 and Integon National's prices reduce around $400 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best prices for retired drivers between First American Property & Casualty and Integon National? First American Property & Casualty gets the edge here, with average premiums coming in at about $121 monthly compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance rates than married policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something many car insurance companies will reward with discounts.

For those who are single, the difference in average premiums between these two carriers is significant, with First American Property & Casualty rates coming in at a quarter less than Integon National's. The advantage is also clear for married drivers - First American Property & Casualty offers the lowest average prices.

First American Property & Casualty or Integon National: Average Rates by Gender

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates.

Men and women get the same monthly prices with First American Property & Casualty, and nearly 10% less with Integon National when compared to their male counterparts.

When it comes to the cheapest premiums for each gender, First American Property & Casualty comes out on top for both men and women. On average, women save about $42 per month and men save around $60 with First American Property & Casualty compared to the average Integon National policyholder.

First American Property & Casualty 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. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum limits for liability insurance, First American Property & Casualty has the significant edge, with average monthly rates coming in at $70. If you want a full coverage policy with the same state minimum limits, First American Property & Casualty again has the edge, with policies averaging about $263 a month to Integon National's $308.

Is First American Property & Casualty 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use First American Property & Casualty for their insurance can usually expect their monthly bill to go up around 18% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of about 35%.

Even so, First American Property & Casualty is typically the cheaper option for drivers both with a ticket and with a clean record, offering premiums that are 18% and 35% more affordable, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Integon National climbing by around 52%. First American Property & Casualty has a less extreme climb, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, First American Property & Casualty offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $145 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, First American Property & Casualty will climb your prices about 54% after a DUI, while Integon National's average premiums rise by just under 30%.

But if you end up with a DUI charge and are looking for more affordable rates, Integon National tends to be less expensive for the average driver, with monthly premiums coming in at around $204 to First American Property & Casualty's $256.

How does Credit Score Impact First American Property & Casualty 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 an insurance factor, but it does affect several drivers 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, policyholders with bad credit will often be forced to pay more.

Looking at First American Property & Casualty and Integon National specifically, which carrier has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have fantastic credit. Improving your "good" credit score to an "excellent" one will usually save Integon National Insurance Company customers about $15. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Integon National Insurance Company. If your credit score is in the "poor" range, at Integon National Insurance Company, you may pay around $30 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, because undefined doesn't have data available for credit scores, they may have better prices for drivers with bad credit over Integon National Insurance Company.

Is First American Property & Casualty 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 pretty big impact on your monthly premiums? Typically, the more milage you put on your car, the more you can expect to pay for insurance.

For both remote workers and those taking short commutes, First American Property & Casualty offers more affordable rates than Integon National. Integon National average prices for drivers with 6,000 annual miles come in about $76 more expensive than First American Property & Casualty. Those who drive 12,000 miles yearly can expect to pay around $27 more with Integon National over First American Property & Casualty.

First American Property & Casualty 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 auto insurance, but the type of area you live in can have a considerable impact as well. 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.

First American Property & Casualty tends to offer the lowest prices 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 pay about $140 per month with First American Property & Casualty and $175 with Integon National. Drivers in suburban ZIP codes pay a monthly price of around $188 with First American Property & Casualty compared to $256 with Integon National. In urban areas, First American Property & Casualty's average premiums are about $172 while Integon National offers rates around $223.

First American Property & Casualty 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 insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by First American Property & Casualty and Integon National so that you can find the company that has the most discounts and, therefore, the largest savings.

Integon National blows First American Property & Casualty away when it comes to the sheer amount of discounts available, offering eight more discounts than First American Property & Casualty.

There are a couple discounts both companies offer, but Integon National also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, First American Property & Casualty has a few proprietary discounts of their own like distant student discounts and renewal discounts.

Final Thoughts: Is First American Property & Casualty or Integon National Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which carrier is the right fit for you?

First American Property & Casualty might be best for you if....

• You will be the only person on the car insurance policy.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower premiums.

Integon National might be best for you if...

• You have less-than-stellar credit.
• Your credit score is high.
• You care about discounts (Integon National offers the most).

Hopefully, this guide has ben a valuable resource as you compare First American Property & Casualty and Integon National and that it aids in making a more informed decision about your auto 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 car insurance -- comparing quotes from a handful of companies, not just First American Property & Casualty and Integon National. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

First American Property & Casualty vs. Integon National FAQs

Is First American Property & Casualty or Integon National cheaper?

First American Property & Casualty is the cheaper of the two companies when looking at national average rates, with policies averaging $167 a month with First American Property & Casualty and $218 for Integon National. But that doesn't mean First American Property & Casualty will be the most affordable company for every policyholder, since there are several different variables that come into play when it comes to your car insurance payment.

Who is better, First American Property & Casualty or Integon National?

Unfortunately, the answer truly is "it depends.". Neither carrier is necessarily "better" for each policyholder -- it all depends on the makeup of your unique insurance profile. For example, Integon National is less expensive for drivers who have less-than-stellar credit scores, while First American Property & Casualty offers more affordable premiums for policyholders with an at-fault accident on their record.

Why do First American Property & Casualty and Integon National offer me different rates?

Auto insurance carriers use a lot of different factors when calculating the rates they charge. Variables like age, where you live, gender, your driving record, and sometimes even things like your credit score can all be used. Both First American Property & Casualty and Integon National calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different companies.

How do I know if First American Property & Casualty 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't First American Property & Casualty 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.