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

Want to know if Imt or Integrity is the better choice for auto insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Based on national averages for insurance, Integrity offers significantly more affordable prices than Imt
  • Integrity has less expensive rates for policyholders who are looking to purchase insurance with a spouse
  • Integrity may help you save more money -- they offer more discounts than IMT Insurance

Imt or Integrity: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Imt or Integrity, but between the two, which carrier will offer you cheaper premiums?

Imt Integrity

Looking at nationwide averages, Integrity has average rates that are around 25% a month more affordable than those from Imt.

But Integrity may not be the cheapest or best option for every driver out there. Auto insurance carriers vary their prices depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and all sorts of other factors, so rates could differ drastically from person to person.

Luckily, we've broken down average prices from both Imt and Integrity by a variety of different rate factors, so read on to find out which company is the best for you.

Imt vs. Integrity: Average Car Insurance Rates by State

State Imt Integrity

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

But there's more to calculating insurance prices than just the state you live in. Keep reading to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Imt Integrity
18-year-old drivers$201$192
25-year-old drivers$108$65

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. Typically, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Integrity for their car insurance pay almost 4% less than those who use Imt.

However, both carriers will drop premiums by the time you turn 25. For example, average rates for Imt policyholders reduce over 45% and Integrity's prices decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

Imt Integrity
65+-year-old drivers$82$61

Once you approach retirement age, you'll usually enjoy the lowest 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 rates for auto insurance.

But who has the best premiums for retired drivers between Imt and Integrity? Integrity gets the edge, with rates for drivers 65 and older $21 less expensive than the national average for Imt.

Which is the Best Company for Married Drivers?

Imt Integrity

Did you know that insurance prices are generally more expensive for those who are single than they are for married policyholders? That's because policies for married couples usually cover more than one vehicle, which lots of companies will give you a discount for.

For single policyholders, the difference in average rates between these two carriers is significant, with Integrity premiums coming in at a quarter less than Imt's. The advantage is also clear for married drivers - Integrity offers the most affordable average prices.

Imt or Integrity: Average Rates by Gender

Imt Integrity

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

Normally, women see premiums over 10% per month less with Imt, and about 9% less with Integrity.

Looking at the data for each carrier specifically, Integrity comes out as the lowest option for both genders, with average prices 26% less for men and 25% cheaper for women.

Find your best rate in just a few minutes

Imt vs. Integrity: Compare State Minimum vs. Full Coverage Rates

Imt Integrity
State Minimum*$58$38
Full Coverage**$160$124

*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 can be pretty complicated. There are many different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Integrity has the significant edge, with average monthly rates coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging around $124 a month to Imt's $160.

Is Imt or Integrity Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault collisions and speeding tickets lead to higher rates, but which company -- Imt or Integrity -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Imt Integrity
Clean Record$76$63
1 Speeding Ticket$89$85

Policyholders who use Imt for their car insurance can generally expect their monthly bill to go up about 15% after getting a speeding ticket. Integrity policyholders can expect a bit more drastic of an increase of around 26%.

Even so, Integrity has cheaper premiums for drivers in both categories -- their rates are around 17% less expensive for drivers with clean records and 4% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Imt Integrity
Clean Record$76$63
1 At-Fault Accident$134$84

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Imt climbing by about 43%. Integrity has a less extreme raise, but you can still expect to pay 25% more than you were prior to your first accident.

At the end of the day, drivers who use Integrity end up with the cheaper prices after an accident, with average rates coming in at $84 compared to IMT Insurance's $134.

Which Company is Best for Drivers with a DUI?

Imt Integrity
Clean Record$76$63
1 DUI$135$92

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. Imt drivers usually see a 44% climb in their insurance premiums after a DUI charge, while Integrity will typically increase prices by around 32%.

But if you end up with a DUI charge and are looking for more affordable rates, Integrity tends to be cheaper for the average driver, with monthly premiums coming in at about $92 to Imt's $135.

Find your best rate in just a few minutes

How does Credit Score Impact Imt and Integrity Rates?

Did you know many car insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

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 specifically at Imt and Integrity, which company has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Imt Integrity
Excellent Credit Score$86$65
Good Credit Score$102$74

If you have solid credit, Integrity will generally reward you the most. For policyholders with "excellent" credit scores, Integrity comes in nearly 24.42 less expensive. Drivers with "good" credit scores usually save around 27% with Integrity compared to average rates from Imt.

Which Company is Best for Drivers with Bad Credit?

Imt Integrity
Fair Credit Score$108$82
Poor Credit Score$140$102

Integrity typically offers lower prices than Imt when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 24% per month less with Integrity compared to Imt, and those with "poor" scores typically save an average of around 27% monthly.

Find your best rate in just a few minutes

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

Imt Integrity
6,000 Annual Miles$109$81
12,000 Annual Miles$109$81

Did you know that the amount of time you spend in your car have a considerable impact on your monthly auto insurance payment? Normally, the more milage you put on your vehicle each year, the more you can expect to pay for car insurance.

In this case, neither Imt or Integrity report increasing premiums 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 every year, with average rates of $81 a month for both.

Imt or Integrity: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Imt Integrity
Urban Areas$136$82
Suburban Areas$100$78
Rural Areas$90$83

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

For drivers in urban ZIP codes, Integrity Insurance's average rates are about 40% less than IMT Insurance. People who live in suburban areas pay around 22% less with Integrity compared to Imt. Those in rural areas can expect to save about 8% with Integrity compared to Imt.

Imt vs. Integrity Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and 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 nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Imt 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.

Imt Integrity
Advance Quote Discount 
Anti-Theft Discount 
Commercial Product Discount 
Company Car Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Life Policy Discount 
Minor Child Discount 
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount 
Prior BI limit Discount 

Overall, Integrity comes out ahead with 13 discounts to Imt's nine.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts -- but Integrity also offers discounts for advance quote, anti-theft, company car, and more.

On the other hand, Imt has a few proprietary discounts of their own for things like commercial product discounts, driver training discounts, minor child discounts, and more.

Find your best rate in just a few minutes

Final Thoughts: Is Imt or Integrity Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Imt or Integrity the right carrier for you and your specific needs?

Integrity might be best for you if....

  • You have received a ticket within the last few years.
  • Your home is in a busy urban area.
  • You and your spouse are buying car insurance together.

Imt might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Imt and Integrity and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Imt and Integrity. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Find your best rate in just a few minutes

Imt vs. Integrity FAQs

Is Imt or Integrity cheaper?

Integrity is the more affordable of the two companies when looking at national average prices, with policies averaging $81 per month with Integrity and $109 for Imt. However, that doesn't mean Integrity will be the most affordable carrier for each driver, since there are multiple different factors that come into play when it comes to your car insurance cost.

Who is better, Imt or Integrity?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Imt and Integrity offer me different rates?

Insurance carriers use quite a few different variables when calculating the premiums they charge. Things like gender, age, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Imt and Integrity calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Imt 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 carriers and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Imt or Integrity at all, but another you hadn't even thought of!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes