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

Quick Facts

• Based on national averages for car insurance, Integon National offers less expensive rates than Foremost
• Integon National offers more affordable average premiums for policyholders who drive fewer than 12,000 miles yearly
• Integon National offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs

Foremost 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 considerable savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Foremost or Integon National, but between the two, which one will offer you cheaper rates?

Looking at the national average rates for both carriers, Foremost is around $52 more a month than Integon National.

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

Luckily, we've broken down average prices from both Foremost and Integon National by a bunch of different rate factors, so read on to find out which carrier is the best for you.

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

Foremost and Integon National only compete against each other in one states, with undefined offering cheaper premiums to the average driver in all of them. Undefined has the most noticable difference, where undefined rates are undefined more affordable than car insurance premiums at undefined.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It'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 rates. As you can see above, teens who use Integon National save over 5% per month compared to those who use Foremost.

Even so, both companies will reduce prices by the time drivers 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. Foremost's average rates decrease more than 60% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Foremost and Integon National? Integon National gets the edge, with premiums for drivers 65 and older over 20% less expensive than the national average for Foremost.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are generally cheaper for married couples than they are for single policyholders? That's because policies for married policyholders usually cover multiple vehicles, which several carriers will give you a discount for.

For single drivers, the difference in average rates between these two companies is significant, with Integon National premiums coming in at about 15% less than Foremost's. For married drivers, the advantage is clear again - Integon National has the edge when it comes to average prices.

Foremost or Integon National: Average Rates by Gender

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

With Foremost, women normally pay around $4 a month less than men, and about $20 cheaper with Integon National when compared to their male counterparts.

Looking at overall affordability, Integon National comes out as the cheapest option for both genders. On average, women save about $59 per month and men save around $45 with Integon National compared to the average Foremost policyholder.

Foremost 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 car insurance can be pretty complicated. 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 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 -- in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Integon National has the significant edge, with average monthly rates 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 about $308 a month to Foremost's $366.

Is Foremost 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.

Accidents and speeding tickets will most likely raise your premiums, but is Foremost or Integon National more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Foremost for their car insurance can usually expect their monthly bill to go up around 22% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of about 35%.

However, Integon National tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 28% less expensive for drivers with clean records and 14% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Foremost can expect to see around an $179 -- or about 47% -- rise in their insurance prices. Drivers who use Integon National for their auto insurance will see a monthly bill around $155 (or 52%) more expensive after reporting an accident to their car insurance company.

At the end of the day, Integon National offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $300 compared to Foremost Insurance Group's $381.

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 a collision. On average, Integon National will climb your prices about 29% after a DUI, while Foremost's average premiums climb by more than 15%.

But if you end up with a DUI charge and are looking for more affordable rates, Integon National tends to be cheaper for the average driver, with monthly premiums coming in at around $204 to Foremost's $238.

How does Credit Score Impact Foremost and Integon National Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance prices. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for many drivers.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable rates.

So, which carrier offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Foremost 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 sizable impact on your monthly prices? Typically, the more milage you put on your car each year, the more you can expect to pay for coverage.

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

Foremost 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 substantial impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads where they live.

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

If you live in a rural area, you can expect to pay around $175 monthly with Integon National and $205 with Foremost. Drivers in suburban ZIP codes pay a monthly price of about $256 with Integon National compared to $287 with Foremost. For drivers in urban ZIP codes, Integon National's average rates are around $223 while Foremost offers premiums about $318.

Foremost vs. Integon National Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

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

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

A couple of those are overlapping for things like anti-theft discounts, EFT discounts, and discounts for being a good driver. Integon National also offers discounts for ABS, agency transfer, DRL, and more.

On the other hand, Foremost has a few proprietary discounts of their own for things like distant student discounts, minor child discounts, multi-car/single driver discounts, and more.

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance carrier is the best fit for you?

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

• You want to save money on your auto insurance after an accident.
• Your credit score is high.
• You want to save money while purchasing insurance for a teenager.

Foremost might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Foremost 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 carriers, not just Foremost and Integon National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Foremost vs. Integon National FAQs

Is Foremost or Integon National cheaper?

Integon National is the cheaper of the two carriers when looking at national average prices, with policies averaging $218 per month with Integon National and $270 for Foremost. That being said, that doesn't mean Integon National will be the cheapest company for every policyholder, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Foremost or Integon National?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Foremost and Integon National offer me different rates?

Car insurance companies use quite a few different factors when determining the rates they charge. Variables such as your driving record, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Foremost and Integon National calculate prices using different factors, 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 a range of different carriers.

How do I know if Foremost or Integon National is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 area information and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Foremost 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.