Integon National vs. Main Street America: Which Company is the Best Fit for You?

Quick Facts

• In general, Integon National offers slightly more affordable prices than Main Street America
• Integon National has less expensive premiums for policyholders who drive fewer than 12,000 miles yearly
• Main Street America offers more affordable prices for residents of suburban areas

Integon National vs. Main Street America: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering sizable discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Integon National or Main Street America, but which one will save you the most?

As you can see, Integon National is about $9 per month cheaper than Main Street America when looking at the national average rates for car insurance.

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

Wanting to know if Integon National or Main Street America is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Integon National or Main Street America: Average Car Insurance Rates by State

Integon National and Main Street America only compete against each other in one states, with Main Street America offering more affordable rates to the average driver in all of them. Virginia has the most noticable difference, where Main Street America premiums are over 70% cheaper than car insurance prices at Integon National.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Main Street America save nearly $70 a month compared to those who use Integon National.

Even so, both carriers will decrease premiums once you turn 25. For example, average prices for Integon National policyholders lower almost 70% and Main Street America's rates reduce nearly 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Integon National and Main Street America specifically, which company is best for retired drivers? Integon National gets the slight edge, with rates for drivers 65 and older around 6% more affordable than the national average for Main Street America.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single policyholders than they are for married couples. That's generally because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, the two companies are comparable for single drivers, with rates only differing about $2 per month, on average. But for married drivers, the advantage is clear - Integon National offers the most affordable average prices.

Integon National vs. Main Street America: Average Rates by Gender

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher premiums.

With Integon National, men usually pay almost 10% more a month than women., but surprisingly, with Main Street America, men typically pay around 3% per month less than women.

When it comes to the cheapest rates for each gender, Main Street America is the most affordable carrier for men. Rates with Main Street America are $3 less for men, while women can save about $21 with Integon National.

Integon National or Main Street America: 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.

Car insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

In this case, Integon National offers the lowest average prices for state minimum liability limits, while Main Street America has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with Integon National Insurance Company, while full coverage comes out to be around $15 cheaper with Main Street America Insurance.

Is Integon National or Main Street America Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two companies offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Integon National policyholders can expect their rates to go up an average of $78 a month if they get a ticket, while Main Street America generally raises premiums about $61 per month, on average.

That being said, Integon National has less expensive rates for drivers in both categories, offering prices that are 17% and 6% more affordable, respectively, compared to Main Street America Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise rates pretty significantly if you get into an at-fault accident with Integon National climbing by over $150. Main Street America has a less extreme raise, but you can still expect to pay $40 more than you were prior to your first collision.

Overall, Main Street America offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $215 compared to Integon National Insurance Company's $300.

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 speeding ticket when it comes to your insurance bill. For example, Main Street America increases average prices by more than $100 a month -- that's just under a 40% increase.

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 premiums of $204 a month compared to $283 from Main Street America.

How does Credit Score Impact Integon National and Main Street America Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect many policyholders out there.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

So, which company offers the cheapest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Main Street America. Drivers with "excellent" credit can save over 45% compared to Integon National, and those with "good" scores can also expect to see savings -- around $77 or 36% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about $52 less with Main Street America than Integon National, but those whose credit is considered "poor" have it flipped -- saving around $223 per month with Integon National.

Is Integon National or Main Street America 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 your monthly car insurance bill. That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Integon National tends to be the less expensive option. Integon National average prices for drivers with 6,000 annual miles come in just under $10 cheaper than Main Street America. Those who drive 12,000 miles every year can expect to pay $10 less with Integon National over Main Street America.

Integon National vs. Main Street America: 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 auto insurance, but the type of area you live in can have a substantial impact as well. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the roads in those areas.

Integon National tends to offer the most affordable option for drivers in rural and urban areas, while Main Street America wins in suburban areas.

In urban areas, Integon National's average premiums are about $223 a month compared to Main Street America's $264. People in suburban areas pay around $230 with Main Street America compared to Integon National's $256 per month. Those in rural areas can expect to pay about $175 monthly with Integon National and $188 with Main Street America.

Integon National vs. Main Street America 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. That's where car insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

In the section below, we've compared all of the different discounts offered by Integon National and Main Street America so that you can find the company that has the most discounts and, therefore, the biggest savings.

Both carriers offer excellent discounts like anti-theft discounts, DRL discounts, EFT discounts, and mature driver discounts.

Final Thoughts: Is Integon National or Main Street America Best for You?

So, we've broken down the average rates for many of the factors insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is Integon National or Main Street America the best one for you and your specific needs?

Integon National might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• Your neighborhood is in a city.
• You have a short drive to work everyday.

Main Street America might be best for you if...

• You're single and purchasing auto insurance by yourself.
• You already have a great credit score.
• Your home is located in the suburbs.

We hope this guide helps you get a good idea of the differences between Integon National and Main Street America. We also hope we've given you the information you need to make the best decision about your car 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 auto insurance -- comparing quotes from a handful of carriers, not just Integon National and Main Street America. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Integon National vs. Main Street America FAQs

Is Integon National or Main Street America cheaper?

Looking just at the national average premiums, Integon National is the more affordable of the two carriers, offering average rates of $218 per month compared to $227 for Main Street America. Even so, Integon National won't necessarily be the lowest company for each policyholder, since there are lots of different variables that are considered when it comes to your insurance payment.

Who is better, Integon National or Main Street America?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for every driver -- it all depends on the makeup of your unique auto insurance profile. For example, Main Street America offers cheaper prices for policyholders with an at-fault accident on their record, while Integon National is less expensive for drivers who have less-than-stellar credit scores.

Why do Integon National and Main Street America offer me different rates?

Car insurance companies take a look at lots of different factors when calculating the rates they charge drivers. Things such as your driving record, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and Main Street America use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Integon National or Main Street America is right for me?

The only way to find the insurance carrier 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 make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Integon National or Main Street America 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.