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

You've probably seen ads offering big savings on car insurance, but are Infinity or Integon National right for you? Which company offers the lowest rates, or the most discounts? Read on to see how Infinity and Integon National compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
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

  • Looking at the national averages for insurance, Infinity offers more affordable prices than Integon National
  • Infinity tends to be a much cheaper option for residents of rural areas
  • Integon National offers less expensive average premiums for drivers who have less-than-stellar credit

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

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

You might have narrowed your search down to Infinity or Integon National as your top options, but between the two, which company will offer you more affordable rates?

Infinity Integon National

Looking at nationwide averages, Infinity is about $40 per month cheaper than Integon National.

But that doesn't mean Infinity will necessarily be less expensive than Integon National for each driver. Car insurance companies use a variety of complex algorithms to calculate prices, so depending on where you live or how good your credit score is (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

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

Infinity or Integon National: Average Car Insurance Rates by State

State Infinity Integon National

Infinity and Integon National only compete against each other in California, where Integon National offers the cheaper average premiums. For California residents, Integon National offers insurance for $118 a month on average. Infinity's average prices come out to be over 50% more expensive, at $178 per month.

There are plenty of other factors that go into your auto insurance payment than just your home state. Keep reading to learn more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Infinity Integon National
18-year-old drivers$468$546
25-year-old drivers$147$169

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. That's 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 prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $80 less a month by choosing Infinity over Integon National.

However, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Infinity policyholders lower almost 70% and Integon National's premiums reduce nearly 70% over that time.

Which is the Best Company for Retired Drivers?

Infinity Integon National
65+-year-old drivers$134$170

Drivers around retirement age usually enjoy some of the cheapest insurance prices out there. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase premiums.

When looking at Infinity and Integon National specifically, which carrier is best for retired drivers? Infinity gets the edge, with rates for drivers 65 and older $36 cheaper than the national average for Integon National.

Which is the Best Company for Married Drivers?

Infinity Integon National

You may not be aware, but auto insurance prices tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having several cars on their policy -- something a lot of car insurance companies will reward with discounts.

When it comes to relationship status, Infinity is the clear winner for those who are single, with premiums around $47 per month more affordable than Integon National, on average. The advantage for married policyholders with Infinity is also obvious, where drivers save more than 20% a month.

Infinity vs. Integon National: Average Rates by Gender

Infinity Integon National

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll typically end up paying more for auto insurance than women.

With Infinity, both genders end up paying the same monthly rate, and about $18 less with Integon National.

When it comes to the most affordable rates for each gender, Infinity comes out on top for both men and women, with average prices $49 less for men and $31 cheaper for women.

Find your best rate in just a few minutes

Infinity or Integon National: Compare State Minimum vs. Full Coverage Rates

Infinity Integon National
State Minimum*$93$128
Full Coverage**$262$308

*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 insurance can be pretty complicated. There are so many different limits 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 (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability limits, Infinity normally offers significantly less expensive rates of $93 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Infinity again has the edge, with policies around $45 per month more affordable than Integon National, on average.

Is Infinity or Integon National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers 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 accidents and tickets lead to higher prices, but which company -- Infinity or Integon National -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Infinity Integon National
Clean Record$128$145
1 Speeding Ticket$160$223

Infinity policyholders can expect their rates to go up an average of $32 a month if they get a ticket, while Integon National typically raises prices about $78 per month, on average.

Even so, Infinity tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save around $17 a month and drivers with a ticket can save about $63 per month with Infinity Insurance.

Which Company is Best for Drivers After an Accident?

Infinity Integon National
Clean Record$128$145
1 At-Fault Accident$211$300

Infinity drivers who get in a collision can expect to see their premiums increase by just under 40%, while those who have insurance through Integon National will see around a 50% increase.

Overall, drivers who use Infinity end up with the cheaper prices after an accident, with monthly rates averaging $211 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

Infinity Integon National
Clean Record$128$145
1 DUI$211$204

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than an accident or speeding ticket. Infinity drivers usually see a 39% increase in their auto insurance prices after a DUI charge, while Integon National will usually raise premiums by about 29%.

If you have a DUI on your record and are looking for more affordable rates, Integon National tends to be the much cheaper option with average prices of $204 monthly compared to $211 from Infinity.

Find your best rate in just a few minutes

How does Credit Score Impact Infinity and Integon National Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect quite a few policyholders out there.

Auto 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 cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Infinity Integon National
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

If you have excellent credit, Integon National Insurance Company will generally reward you. Jumping from a "good" credit score to an "excellent" one will typically save Integon National Insurance Company customers around $15. undefined, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Infinity Integon National
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Having bad credit usually means you'll also see higher rates with Integon National Insurance Company. If your credit score is in the "poor" range, at Integon National Insurance Company, you may pay about 10% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, undefined doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over Integon National Insurance Company.

Find your best rate in just a few minutes

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

Infinity Integon National
6,000 Annual Miles$167$217
12,000 Annual Miles$189$219

How much you drive can have a considerable impact on your monthly insurance bill. Normally, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Infinity tends to be the less expensive option. Infinity's average prices for drivers with 6,000 annual miles come in around 23% more affordable than Integon National. Those who drive 12,000 miles every year can expect to pay about 14% less with Infinity over Integon National.

Infinity vs. Integon National: Compare Rates for Urban, Suburban, and Rural Drivers

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

Infinity Integon National
Urban Areas$198$223
Suburban Areas$186$256
Rural Areas$149$175

Infinity boasts the lowest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both carriers, but Infinity comes out on top with average premiums around $149 per month. Infinity also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 11% and 27% per month respective difference when compared to Integon National policyholders in similar areas.

Infinity vs. Integon National 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.

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

In the table below, we've taken a look at all of the different discounts Infinity and Integon National offer their customers so that you can see which carrier can save you the most money each month.

Infinity Integon National
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount 
Defensive Driver Discount
DRL Discount 
Drug and Alcohol Awareness Discount 
EFT Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount 
Low Cost Coverage Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paid In Full Discount 
Passive Restraint Discount 

Integon National blows Infinity away when it comes to the sheer amount of discounts available, offering 18 different discounts to Infinity's three.

There are a couple discounts both companies offer, but Integon National also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Infinity does not.

Infinity's discounts come through just three categories -- Defensive Driver, Good Driving, and Good Student.

Find your best rate in just a few minutes

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

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, at the end of the day, is Infinity or Integon National the right one for you and your specific profile and needs?

Infinity might be best for you if....

  • You have an at-fault accident on your record.
  • You live in an suburban area.
  • You have a short drive to work everyday.

Integon National might be best for you if...

  • You have less-than-stellar credit.
  • You already have a great credit score.
  • You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Infinity and Integon National and that you can now make a more informed decision when it comes to your insurance.

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

Find your best rate in just a few minutes

Infinity vs. Integon National FAQs

Is Infinity or Integon National cheaper?

Looking just at the national average premiums, Infinity is the less expensive of the two companies, offering average rates of $178 a month compared to $218 for Integon National. However, Infinity won't necessarily be the most affordable carrier 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, Infinity or Integon National?

Sadly, the answer truly is "it depends.". Neither company is necessarily "better" for every driver -- it all boils down to your unique insurance profile. For example, Infinity offers more affordable prices for drivers with an at-fault collision on their record, while Integon National is cheaper for drivers who have less-than-stellar credit scores.

Why do Infinity and Integon National offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the rates they charge policyholders. Things such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all come into play. Both Infinity and Integon National calculate prices differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car 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 do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Infinity or Integon National at all!


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