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

Quick Facts

• Looking at the national averages for auto insurance, Integon National offers significantly more affordable premiums than Metlife
• Integon National offers more affordable prices for policyholders who have a short commute
• Metlife may help you save more money -- they offer more discounts than Integon National Insurance Company

Integon National or Metlife: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Integon National or Metlife as your top options, but which company will offer you less expensive premiums?

Looking at nationwide averages, Metlife is quite a bit more expensive than Integon National, with rates averaging $340 a month compared to just $218 with Integon National.

Even so, Integon National may not be the lowest or best option for every driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Integon National vs. Metlife: Average Car Insurance Rates by State

Integon National and Metlife compete against each other in four states, with Integon National offering cheaper prices to the average driver in all of them. California has the most noticable difference, where Integon National rates are $244 more affordable than auto insurance premiums at Metlife.

That being said, there are plenty of other factors that go into your car insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers out there on the road. It's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Integon National save over 45% per month compared to those who use Metlife.

That being said, with both companies, you'll see your prices drop significantly by the time you turn 25. For example, average rates for Integon National policyholders reduce almost 70% and Metlife's prices decrease more than 70% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

When looking at Integon National and Metlife specifically, which company is best for retired drivers? Integon National gets the edge, with prices for drivers 65 and older $35 less expensive than the national average for Metlife.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper auto insurance premiums than those who are single. That's generally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Integon National premiums coming in at a third less than Metlife's. For married couples, the advantage is clear again - Integon National has the edge when it comes to average prices.

Integon National or Metlife: Average Rates by Gender

Men usually pay more for insurance than women. That's because men are more likely to get into collisions and get tickets, which increases the chances of filing a claim with insurance.

Men typically pay around $20 a month more than women with Integon National, and nearly $30 with Metlife.

Looking at the data for each carrier specifically, Integon National offers the cheapest average rates for both men and women, with average premiums $127 less for men and $117 cheaper for women.

Integon National vs. Metlife: 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 limits and terms that it can make it pretty confusing to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, Integon National has the significant edge, with average monthly prices coming in at $128. If you want a full coverage policy with the same state minimum limits, Integon National again has the edge, with policies averaging about $308 per month to Metlife's $466.

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

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

Speeding tickets and collisions will most likely raise your prices, but is Integon National or Metlife less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integon National for their auto insurance can generally expect their monthly bill to go up around 35% after getting a speeding ticket. Metlife policyholders can expect a less drastic increase of about 21%.

That being said, Integon National has more affordable rates for drivers in both categories. With Integon National Insurance Company, drivers with a clean record can save around $75 a month and drivers with a ticket can save about $56 per month.

Which Company is Best for Drivers After an Accident?

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

At the end of the day, drivers who use Integon National end up with the cheaper prices after an accident, with average rates coming in at $300 compared to MetLife's $368.

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 car insurance bill. For example, Metlife increases average premiums by more than $250 a month -- that's more than a 55% increase.

How does Credit Score Impact Integon National and Metlife Rates?

Did you know many insurance carriers take into account your credit score when determining prices? This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it does affect many policyholders out there.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper premiums.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Integon National or Metlife 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 how much car insurance carriers will charge for coverage. Normally, the more milage you put on your car each year, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Integon National tends to be the less expensive option. Metlife's average prices for drivers with 6,000 annual miles come in over 35% more expensive than Integon National. Those who drive 12,000 miles every year can expect to pay more than 35% more with Metlife over Integon National.

Integon National or Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads where they live.

Integon National tends to offer the cheapest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $124 with Integon National compared to Metlife. People who live in suburban areas pay around $77 less with Integon National compared to Metlife. For drivers in urban ZIP codes, Integon National Insurance Company's average rates are about $166 less than MetLife.

Integon National vs. Metlife Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Integon National and Metlife so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Metlife knocks Integon National out of the park when it comes to the sheer number of discounts available, offering 36 different discounts to Integon National's 36.

Both companies offer many of the same discounts -- like agency transfer discounts, discounts for being a defensive driver, EFT discounts, and group discounts -- but Metlife also offers discounts for AAA, academic, annual mileage, and more.

On the other hand, Integon National has a few proprietary discounts of their own for things like advance quote discounts, DRL discounts, drug and alcohol awareness discounts, and more.

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

So, you've seen how different variables can affect your car insurance premiums. We've broken down the different discounts each company offers, too. But, at the end of the day, is Integon National or Metlife the right carrier for you and your specific driver profile?

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

• You haven't received any speeding tickets or been in a collision in the last few years.
• You want the most robust protection via a "full coverage" policy.
• Your neighborhood is in a rural area.

Metlife might be best for you if...

• You're planning on moving to another state soon -- undefined is only available in.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Integon National and Metlife. We also hope we've given you the information you need to make the best 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 insurance policy is to compare quotes from multiple carriers, not just Integon National and Metlife. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Integon National vs. Metlife FAQs

Is Integon National or Metlife cheaper?

Integon National is the more affordable of the two carriers when looking at national average prices, with policies averaging $218 per month with Integon National and $340 for Metlife. However, that doesn't mean Integon National will be the lowest company for everyone, since there are multiple different factors that are considered when it comes to your insurance bill.

Who is better, Integon National or Metlife?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Integon National and Metlife offer me different rates?

Auto insurance companies use lots of different variables when calculating the rates they charge. Factors like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and Metlife use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car 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 do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Integon National or Metlife at all, but another you hadn't even thought of!

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.