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

Quick Facts

• Looking at the national averages for car insurance, Integrity offers significantly more affordable prices than Hastings Mutual
• Integrity offers cheaper average premiums for people who are single and purchasing auto insurance by yourself
• Integrity has less expensive rates for drivers who have an at-fault accident on their record

Hastings Mutual 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 might have narrowed your search down to Hastings Mutual or Integrity, but which company will offer you more affordable prices?

Looking at nationwide averages, Hastings Mutual is quite a bit more expensive than Integrity, with premiums averaging $211 per month compared to just $81 with Integrity.

But that doesn't necessarily mean Integrity will be the cheaper option for every single driver. Car insurance companies vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and a ton of other factors, so prices could differ drastically from person to person.

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

Hastings Mutual or Integrity: Average Car Insurance Rates by State

Hastings Mutual and Integrity only compete against each other in two states, with Hastings Mutual offering less expensive prices to the average driver in all of them. If you live in Iowa, Hastings Mutual is the more affordable of the two carriers when looking at the overall average premiums. Integrity is the cheaper option in Wisconsin.

There are plenty of other factors that go into your insurance bill than just your home state. 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 normally pay a lot more for car insurance than any other group of drivers out there on the road. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Integrity over Hastings Mutual.

However, with both companies, you'll see your rates reduce significantly by the time drivers turn 25. For example, average premiums for Hastings Mutual policyholders decrease more than $150 and Integrity's rates lower almost $150 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Hastings Mutual and Integrity specifically, which company is best for retired drivers? Integrity gets the edge here, with average rates coming in at about $61 monthly compared to Hastings Mutual's $167.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually more expensive for single policyholders than they are for married couples? That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Integrity is the clear winner for those who are single, with premiums around $133 per month less expensive than Hastings Mutual, on average. The advantage is also clear for married policyholders - Integrity offers the cheapest average rates.

Hastings Mutual vs. Integrity: Average Rates by Gender

Women normally to pay less for insurance than men. 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.

Normally, women see premiums about 2% a month less with Hastings Mutual, while with Integrity, the difference is closer to 9% per month.

Looking at the data for each carrier specifically, Integrity comes out on top for both men and women. On average, women save about $131 a month and men save around $128 with Integrity compared to the average Hastings Mutual policyholder.

Hastings Mutual 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.

For most people, auto insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

That being said, 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, alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Integrity generally offers significantly more affordable prices of $38 compared to Hastings Mutual's $142. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies about $150 per month less expensive than Hastings Mutual, on average.

Is Hastings Mutual or Integrity Better for Drivers with Spotty Records?

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

Tickets and at-fault collisions will most likely raise your prices, but is Hastings Mutual or Integrity cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Hastings Mutual policyholders can expect their premiums to go up an average of $20 a month if they get a ticket, while Integrity normally raises rates around $22 per month, on average.

But Integrity has less expensive premiums for drivers in both categories, offering rates that are $46 and $44 more affordable, respectively, compared to Hastings Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Hastings Mutual can expect to see about an $17 -- or around 13% -- increase in their auto insurance prices. Drivers who use Integrity for their car insurance will see a monthly bill about $21 (or 25%) more expensive after reporting an accident to their insurance company.

Overall, drivers who use Integrity end up with the cheaper prices after an accident, with monthly rates averaging $84 compared to Hastings Mutual Insurance Company's $126.

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, Hastings Mutual will raise your prices around 77% after a DUI, while Integrity's average premiums climb by over 30%.

If you have a DUI on your record and are looking for more affordable rates, Integrity tends to be the much cheaper option with average prices of $92 a month compared to $478 from Hastings Mutual.

How does Credit Score Impact Hastings Mutual and Integrity Rates?

Did you know that many auto insurance companies take your credit score into account when calculating premiums? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few drivers.

Insurance carriers 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.

Looking specifically at Integrity and Hastings Mutual, which one has the most affordable rates for policyholders at different credit levels?

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 Hastings Mutual, and those with "good" scores can also expect to see savings -- about $119 or 62% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower prices than Hastings Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around $125 a month less with Integrity compared to Hastings Mutual, and those with "poor" scores generally save an average of about $173 per month.

Is Hastings Mutual or Integrity Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly auto insurance cost. Typically, those who drive less will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Hastings Mutual or Integrity report increasing rates for drivers with higher annual mileage figures. 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 prices of $81 per month for both.

Hastings Mutual vs. Integrity: 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 car insurance, but the type of area you live in can have a large impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles 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 prices are around $209 less than Hastings Mutual Insurance Company. Drivers in suburban ZIP codes pay about $99 less with Integrity compared to Hastings Mutual. If you live in a rural area, you can expect to save around $81 with Integrity compared to Hastings Mutual.

Hastings Mutual vs. Integrity Discounts

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

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the section below, we've taken a look at all of the different discounts Hastings Mutual and Integrity offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Integrity has advantage when it comes to total number of discounts. Hastings Mutual offers a grand total of 10 discounts, while Integrity has 13.

Both companies offer many of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for insuring multiple cars with the same company -- but Integrity also offers advance quote discounts, continuous insurance discounts, distant student discounts, and more that Hastings Mutual does not.

On the flip side, Hastings Mutual has a couple unique discounts of its own -- ABS discounts, discounts for being a good driver, passive restraint discounts, and more.

Final Thoughts: Is Hastings Mutual or Integrity Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. But, when it comes down to it, is Hastings Mutual or Integrity the best fit for you?

Integrity might be best for you if....

• Your driving record contains an at-fault collision.
• You're looking for the company with the most discounts.
• You are purchasing your insurance with a spouse.

Hastings Mutual might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Hastings Mutual and Integrity 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 several companies, not just Hastings Mutual and Integrity. 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.

Hastings Mutual vs. Integrity FAQs

Is Hastings Mutual or Integrity cheaper?

Looking just at the national average premiums, Integrity is the less expensive of the two companies, offering average rates of $81 a month compared to $211 for Hastings Mutual. That being said, Integrity won't necessarily be the lowest carrier for everyone, since there are many different factors that are considered when it comes to your auto insurance payment.

Who is better, Hastings Mutual or Integrity?

Sadly, the answer truly is "it depends.". One company is not "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Hastings Mutual and Integrity offer me different rates?

Insurance carriers take a look at many different variables when determining the rates they charge drivers. Factors like your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be used. Both Hastings Mutual and Integrity calculate premiums differently, so each one will most likely offer different rates. 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 Hastings Mutual 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Hastings Mutual 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.