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

Quick Facts

• In general, Integon National offers significantly cheaper prices than Mercury
• Integon National tends to be a much more affordable option for residents of suburban areas
• Mercury offers more discounts than Integon National Insurance Company

Integon National vs. Mercury: 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 sizable discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Integon National or Mercury as potential options, but between the two, which carrier will save you the most?

As you can see, Integon National is quite a bit cheaper than Mercury, with premiums averaging $218 per month compared to $295 with Mercury when looking at the national average rates for auto insurance.

But that doesn't mean Integon National will necessarily be cheaper than Mercury for every driver. Insurance companies vary their prices depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so rates will change quite a bit from person to person.

So, if you want to find out which of Integon National or Mercury is really the best for you, keep reading to see average premiums for each carrier broken down by multiple different rate factors.

Integon National or Mercury: Average Car Insurance Rates by State

Integon National and Mercury only compete against each other in two states, with Integon National offering more affordable rates to the average driver in all of them. Virginia has the most noticable difference, where Mercury premiums are over 70% less expensive than auto insurance prices at Integon National.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your rates. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. It'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 $200 less a month by choosing Integon National over Mercury.

That being said, both companies will offer you dramatically lower rates once you turn 25. Mercury offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Integon National still has the cheapest premiums at $169 monthly.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices out there.

So, which company offers the best premiums to retired drivers? Integon National gets the edge here, with average rates coming in at about $170 per month compared to Mercury's $219.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper insurance prices than those who are single. That's because policies for married drivers normally cover several cars, which many carriers will offer you a discount for.

When it comes to relationship status, Integon National is the clear winner for single drivers, with rates around $92 per month more affordable than Mercury, on average. The advantage for married couples with Integon National is also obvious, where drivers save more than 25% a month.

Integon National vs. Mercury: Average Rates by Gender

Women usually to pay less for car insurance than men. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

With Integon National, women generally pay almost 10% per month less than men, and about 5% less with Mercury.

When it comes to the most affordable premiums for each gender, Integon National comes out on top for both men and women, with average rates 25% less for men and 27% cheaper for women.

Integon National or Mercury: 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.

Insurance isn't the easiest topic to understand. There are several different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Integon National typically offers significantly less expensive premiums of $128 compared to Mercury's $184. When it comes to full coverage policies with similar limits, Integon National again has the edge, with policies around $100 a month cheaper than Mercury, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two companies offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Integon National policyholders can expect their premiums to go up an average of $78 per month if they get a ticket, while Mercury usually raises prices about $57 a month, on average.

However, Integon National is normally the more affordable option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 39% less expensive for drivers with clean records and 24% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Integon National drivers who get in an accident can expect to see their rates rise by over $150, while those who have insurance through Mercury will see around a $100 increase.

Overall, the cheaper premiums come from Integon National, with monthly rates averaging $300 compared to Mercury Insurance's $346.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Mercury drivers usually see a 22% climb in their insurance prices after a DUI charge, while Integon National will typically increase rates by about 29%.

How does Credit Score Impact Integon National and Mercury Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of policyholders.

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, drivers with bad credit will often be forced to pay more.

Looking specifically at Mercury and Integon National, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on your monthly car insurance cost. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mercury charges. However, there's a small difference in monthly rates for Integon National, with policyholders who drive 6,000 miles annually paying around $2 less each month compared to those who drive 12,000 miles every year. Still, Integon National is the less expensive option for drivers in both categories.

Integon National vs. Mercury: 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 large impact as well. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the roads in those areas.

When comparing these two companies side-by-side, Integon National typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both carriers, but Integon National comes out on top with average rates about $175 a month. Integon National also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 44% and 7% per month respective difference when compared to Mercury drivers in similar areas.

Integon National vs. Mercury Discounts

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

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

Below, we've taken a look at all of the different discounts Integon National and Mercury offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Mercury blows Integon National away when it comes to the sheer amount of discounts available, offering nine more discounts than Integon National.

There are a couple discounts both companies offer, but Mercury also offers continuous insurance discounts, COVID-19 relief discount, distant student discounts, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- agency transfer discounts, drug and alcohol awareness discounts, EFT discounts, and more.

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

You've seen the role 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, which carrier is the right fit for you?

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

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You are over 65 years old and want to save some money on your car insurance.

Mercury might be best for you if...

• You already have plans to move to another state -- undefined only offers policies in.
• You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Integon National and Mercury and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Integon National and Mercury. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Integon National vs. Mercury FAQs

Is Integon National or Mercury cheaper?

Looking just at the national average rates, Integon National is the less expensive of the two companies, offering average rates of $218 a month compared to $295 for Mercury. Even so, Integon National won't necessarily be the cheapest carrier for everyone, since there are lots of different factors that are considered when it comes to your auto insurance bill.

Who is better, Integon National or Mercury?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Integon National and Mercury offer me different rates?

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

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 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 premium. And who knows, the best carrier for you might not be Integon National or Mercury 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.