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

Quick Facts

• Looking at the national averages for auto insurance, GEICO offers cheaper premiums than Integon National
• GEICO offers more affordable prices for policyholders who may not have much of a commute
• Integon National tends to be a much less expensive option for couples purchasing car insurance together

GEICO vs. Integon National: Which Company has the Cheapest Car Insurance?

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

You might be considering GEICO or Integon National for your next policy, but which one will offer you more affordable premiums?

Looking at nationwide averages, GEICO has average rates that are about 15% per month less expensive than those from Integon National.

But that doesn't necessarily mean GEICO will be the cheaper option for every driver. Insurance companies use a ton of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among numerous other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of GEICO or Integon National is really the best for you, keep reading to see average rates for each carrier broken down by many different rate factors.

GEICO or Integon National: Average Car Insurance Rates by State

GEICO and Integon National compete against each other in four states, with Integon National offering more affordable premiums to the average driver in all of them. If you live in Virginia or Washington, GEICO is the less expensive of the two carriers when looking at the overall average rates. Integon National is the more affordable option in California and North Carolina.

That being said, there's a lot more that goes into your car insurance payment than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older 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 still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use GEICO save nearly $200 a month compared to those who use Integon National.

Even so, both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for GEICO policyholders decrease more than $200 and Integon National's rates drop almost $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

So, which company offers the best premiums to retired drivers? GEICO gets the edge, with rates for drivers 65 and older $22 cheaper than the national average for Integon National.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are generally less expensive for married couples than they are for single drivers? This usually boils down to married drivers having more than one car on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, GEICO is the clear winner for single policyholders, with rates around $59 per month cheaper than Integon National, on average. It's not quite so glaring for married policyholders, where drivers who use Integon National save about 1% a month.

GEICO vs. Integon National: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

With GEICO, men usually pay around 4% more per month than women., while with Integon National, the difference is closer to 8% a month.

Looking at the data for each carrier specifically, GEICO comes out as the cheapest option for both genders. On average, women save about $28 per month and men save about $38 with GEICO compared to the average Integon National policyholder.

GEICO or 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. There are multiple different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, GEICO generally offers more affordable premiums of $101 compared to Integon National's $128. When it comes to full coverage policies with similar limits, GEICO again has the edge, with policies around $40 a month cheaper than Integon National, on average.

Is GEICO or Integon National 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.

It's no secret secret that accidents and tickets lead to higher rates, but which company -- GEICO or Integon National -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO policyholders can expect their premiums to go up an average of $35 per month if they get a ticket, while Integon National normally raises rates about $78 a month, on average.

That being said, GEICO tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $30 per month and drivers with a ticket can save about $73 a month with GEICO.

Which Company is Best for Drivers After an Accident?

GEICO drivers who get in a collision can expect to see their prices rise by $85, while those who have insurance through Integon National will see around a $150 increase.

Overall, drivers who use GEICO end up with the cheaper prices after an accident, with monthly premiums averaging $200 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. GEICO drivers usually see a 58% raise in their auto insurance rates after a DUI charge, while Integon National will usually increase prices by about 29%.

If you have a DUI on your record and are looking for more affordable premiums, Integon National tends to be the much more affordable option with average prices of $204 per month compared to $275 from GEICO.

How does Credit Score Impact GEICO and Integon National Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? 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 policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with GEICO. Policyholders with "excellent" credit can save just under 35% compared to Integon National, and those with "good" scores can also expect to see savings -- around $50 or 23% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

GEICO typically offers lower prices than Integon National when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $34 per month less with GEICO compared to Integon National, and those with "poor" scores typically save an average of around $8 monthly.

Is GEICO or Integon National Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly car insurance bill. That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

GEICO tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. GEICO's average premiums for drivers with 6,000 annual miles come in about 17% cheaper than Integon National. Those who drive 12,000 miles yearly can expect to pay around 14% less with GEICO over Integon National.

GEICO vs. 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 insurance, but the type of area you live in can have a considerable impact as well. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the roads in those areas.

GEICO boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but GEICO comes out on top with average rates about $159 a month. GEICO also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $12 and $71 a month respective difference when compared to Integon National drivers in similar areas.

GEICO vs. Integon National Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

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

Below, we've compared all of the different discounts offered by GEICO and Integon National so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

GEICO blows Integon National away when it comes to the sheer amount of discounts available, offering 10 more discounts than Integon National.

There are a couple discounts both companies offer, but GEICO also offers commercial drivers license discounts, COVID-19 relief discount, deployed driver discounts, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- advance quote discounts, agency transfer discounts, drug and alcohol awareness discounts, and more.

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

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which carrier is the right fit for you?

GEICO might be best for you if....

• You already have plans to move to another state -- Integon National Insurance Company is only available in four states.
• Your neighborhood is in a city.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Integon National might be best for you if...

• You're looking for the best rates in CA, NC, VA, and WA.
• You have a DUI charge on your record.
• You are purchasing your car insurance with a spouse.

We hope this guide helps you get a better idea of the difference between GEICO and Integon National. 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 best 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 GEICO and Integon National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

GEICO vs. Integon National FAQs

Is GEICO or Integon National cheaper?

Looking just at the national average premiums, GEICO is the more affordable of the two companies, offering average rates of $185 per month compared to $218 for Integon National. However, GEICO won't necessarily be the cheapest company for each driver, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, GEICO or Integon National?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not "better" for every driver -- it all boils down to your unique insurance profile. For example, Integon National offers cheaper rates for drivers with a recent DUI, while GEICO is less expensive for drivers with excellent credit.

Why do GEICO and Integon National offer me different rates?

Auto insurance carriers take a look at quite a few different factors when determining the prices they charge policyholders. Things like age, your driving record, where you live, gender, and sometimes even things like your credit score can all come into play. Both GEICO and Integon National use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if GEICO 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 carriers and finding the one best suited for your individual budget. Luckily, Compare.com does 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 price. And who knows, the best company for you might not be GEICO or Integon National 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.