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

Quick Facts

• In general, Integrity offers significantly more affordable rates than GEICO
• GEICO offers more discounts than Integrity Insurance
• Integrity has cheaper prices for residents of urban areas

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to GEICO or Integrity as potential options, but which carrier will offer you less expensive premiums?

Looking at nationwide averages, GEICO is quite a bit more expensive than Integrity, with rates averaging $185 per month compared to just $81 with Integrity.

However, that doesn't mean Integrity will necessarily be more affordable than GEICO for each driver. Auto insurance companies vary their prices depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a variety of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

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

GEICO or Integrity: Average Car Insurance Rates by State

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

There are plenty of other factors that go into your insurance bill than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers. That's normally 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 teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Integrity over GEICO. It's worth noting that GEICO offers insurance in 50 different states compared to Integrity's two, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will drop premiums 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. GEICO's average rates lower more than 55% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance prices you can find. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can increase premiums.

When looking at GEICO and Integrity specifically, which carrier is best for retired drivers? Integrity gets the edge, with prices for drivers 65 and older almost 60% more affordable than the national average for GEICO.

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 typically because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Integrity is the clear winner for single drivers, with prices about $110 per month cheaper than GEICO, on average. The advantage is also clear for married policyholders - Integrity offers the cheapest average rates.

GEICO vs. Integrity: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to insurance men will normally end up paying a little more.

On average, men see premiums around 4% a month higher with GEICO, and about 9% more with Integrity.

When it comes to the most affordable rates for each gender, Integrity comes out on top for both men and women, with average prices 55% less for men and 57% cheaper for women.

GEICO 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.

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

Even so, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Integrity generally offers significantly less expensive premiums of $38 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies around $150 per month more affordable than GEICO, on average.

Is GEICO or Integrity 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 tickets and collisions lead to higher rates, but which company -- GEICO or Integrity -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO policyholders can expect their premiums to go up an average of $35 a month if they get a ticket, while Integrity usually raises rates about $22 per month, on average.

However, Integrity is normally the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 45% and 43% cheaper, respectively, compared to GEICO.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through GEICO can expect to see around an $85 -- or about 43% -- increase in their car insurance premiums. Drivers who use Integrity for their auto insurance will see a monthly bill around $21 (or 25%) more expensive after reporting an accident to their car insurance carrier.

Overall, Integrity offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $84 compared to GEICO's $200.

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 insurance bill. GEICO drivers usually see a 58% raise in their auto insurance rates after a DUI charge, while Integrity will usually increase premiums by about 32%.

Integrity has the overall most affordable rates for drivers with a DUI on their records at $92 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just two for Integrity, so the data may be skewed slightly.

How does Credit Score Impact GEICO and Integrity Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect quite a few drivers out there.

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

Looking specifically at GEICO and Integrity, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Integrity. Drivers with "excellent" credit can save over 50% compared to GEICO, and those with "good" scores can also expect to see savings -- around $90 or 55% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower premiums than GEICO when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $115 a month less with Integrity compared to GEICO, and those with "poor" scores typically save an average of around $151 per month.

Is GEICO 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 how much insurance companies will charge for coverage. Generally, the more miles you drive, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Integrity charges. However, there's a small difference in monthly rates for GEICO, with policyholders who drive 6,000 miles annually paying about $8 less every month compared to those who drive 12,000 miles yearly. Still, Integrity is the cheaper option for drivers in both categories.

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

Where your home is can play a big role in how much you pay for car insurance. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads in those areas.

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

In urban areas, Integrity Insurance's average rates are around 61% less than GEICO. Drivers in suburban ZIP codes pay about 58% less with Integrity compared to GEICO. If you live in a rural area, you can expect to save around 48% with Integrity compared to GEICO.

GEICO vs. Integrity Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

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

Below, we've compared all of the different discounts offered by GEICO and Integrity so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

GEICO blows Integrity away when it comes to the sheer amount of discounts available, offering 28 different discounts to Integrity's 13.

There are a couple discounts both carriers offer, but GEICO also offers ABS discounts, commercial drivers license discounts, COVID-19 relief discount, and more that Integrity does not.

On the flip side, Integrity has a couple unique discounts of its own -- advance quote discounts, company car discounts, continuous insurance discounts, and more.

Final Thoughts: Is GEICO or Integrity Best for You?

So, we've broken down the average prices for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which company is the right carrier for you and your specific profile and needs?

Integrity might be best for you if....

• You're single and purchasing insurance by yourself.
• You live in an urban area.
• You are purchasing your auto insurance with a spouse.

GEICO might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between GEICO and Integrity and that you can now make a more informed decision when it comes to 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 carriers, not just GEICO and Integrity. 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 top insurance companies in your area, all in just a few minutes.

GEICO vs. Integrity FAQs

Is GEICO or Integrity cheaper?

Looking just at the national average premiums, Integrity is the more affordable of the two carriers, offering average rates of $81 per month compared to $185 for GEICO. Even so, Integrity won't necessarily be the cheapest carrier for each driver, since there are many different factors that are considered when it comes to your car insurance cost.

Who is better, GEICO or Integrity?

Sadly, the answer truly is "it depends.". No single company is "better" for everyone -- it all boils down to your unique insurance profile.

Why do GEICO and Integrity offer me different rates?

Car insurance companies take a look at several different variables when calculating the rates they charge policyholders. Factors like your driving record, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both GEICO and Integrity calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if GEICO 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 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 ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be GEICO 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.