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

Quick Facts

• Based on national averages for insurance, Nationwide offers significantly less expensive premiums than Integon National
• Integon National offers cheaper average rates for drivers with a DUI
• Nationwide offers more affordable prices for policyholders who live in urban areas

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Integon National or Nationwide as potential options, but between the two, which company will offer you more affordable rates?

As you can see, Nationwide is around $48 a month cheaper than Integon National when looking at the national average rates for auto insurance.

But that doesn't necessarily mean Nationwide will be the more affordable option for each driver. Insurance carriers use tons of complex algorithms to determine premiums, 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 rates from the ones above.

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

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

Integon National and Nationwide compete against each other in four states, with Integon National offering less expensive prices to the average driver in all of them. Virginia has the most noticable difference, where Nationwide premiums are $265 more affordable than auto insurance prices at Integon National.

But there's more to calculating car insurance rates than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Nationwide for their car insurance pay over 30% less than those who use Integon National.

Even so, both companies will decrease premiums by the time you turn 25. For example, average prices for Integon National policyholders drop about $400 and Nationwide's rates lower almost $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance premiums out there. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise rates.

But who has the best prices for retired drivers between Integon National and Nationwide? Nationwide gets the edge, with premiums for drivers 65 and older $45 less expensive than the national average for Integon National.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married policyholders. That's because policies for married drivers normally cover multiple vehicles, which several carriers will give you a discount for.

For single drivers, the difference in average prices between these two companies is significant, with Nationwide premiums coming in at a quarter less than Integon National's. The advantage for married couples with Nationwide is also obvious, where drivers save more than 15% per month.

Integon National or Nationwide: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher prices.

With Integon National, men generally pay nearly 10% more a month than women., and around 7% with Nationwide.

Looking at overall affordability, Nationwide comes out as the cheapest option for both genders, with average premiums 22% less for men and 22% cheaper for women.

Integon National vs. Nationwide: 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.

It's no secret that insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage 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, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Nationwide has the edge, with average monthly rates coming in at $112. If you want a full coverage policy with the same state minimum limits, Nationwide again has the edge, with policies averaging about $229 per month to Integon National's $308.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integon National for their car insurance can normally expect their monthly bill to go up around 35% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of about 16%.

However, Nationwide is typically the cheaper option for both drivers who have a recent ticket and those with clean records, offering rates that are $20 and $74 less expensive, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Integon National can expect to see around an $155 -- or about 52% -- rise in their car insurance premiums. Drivers who use Nationwide for their auto insurance will see a monthly bill around $53 (or 30%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, the cheaper rates come from Nationwide, with average premiums coming in at $178 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. Nationwide drivers usually see a 46% increase in their car insurance prices after a DUI charge, while Integon National will usually climb premiums by about 29%.

How does Credit Score Impact Integon National and Nationwide Rates?

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

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Integon National and Nationwide specifically, which one has the best rates 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 Nationwide Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly prices? That's because the more milage you put on your vehicle each year, the more likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Nationwide offers more affordable rates than Integon National. Integon National's average premiums for drivers with 6,000 annual miles come in more than $45 more expensive than Nationwide. Those who drive 12,000 miles yearly can expect to pay nearly $50 more with Integon National over Nationwide.

Integon National or Nationwide: 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 insurance, but the type of area you live in can have a sizable impact as well. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the roads where they live.

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

Those in rural areas can expect to save around $24 with Nationwide compared to Integon National. People who live in suburban areas pay about $97 less with Nationwide compared to Integon National. For drivers in urban ZIP codes, Nationwide's average premiums are around $24 less than Integon National Insurance Company.

Integon National vs. Nationwide Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

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.

Luckily, we did the hard work for you and compared all of the different discounts offered by Integon National and Nationwide so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Nationwide has the advantage when it comes to total number of discounts. Integon National offers a grand total of 18 discounts, while Nationwide has 22.

Both carriers offer several of the same discounts -- like agency transfer discounts, discounts for being a defensive driver, EFT discounts, and group discounts -- but Nationwide also offers discounts for distant student, driver training, employee discount, and more.

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

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

So, you've seen how different variables can affect your insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best carrier for you, your vehicle, and your wallet?

Nationwide might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You have above-average credit.
• You live in a rural area.

Integon National might be best for you if...

• Your driving record includes a DUI charge.

Hopefully, this guide helps you get a better idea of the difference between Integon National and Nationwide and that it aids in making a more informed decision about your auto 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 insurance -- comparing quotes from a handful of companies, not just Integon National and Nationwide. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Integon National vs. Nationwide FAQs

Is Integon National or Nationwide cheaper?

Nationwide is the less expensive of the two companies when looking at national average prices, with policies averaging $170 a month with Nationwide and $218 for Integon National. That being said, that doesn't mean Nationwide will be the most affordable company for each policyholder, since there are a range of different factors that come into play when it comes to your car insurance payment.

Who is better, Integon National or Nationwide?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Nationwide is cheaper for drivers with excellent credit, while Integon National offers more affordable premiums for drivers with a recent DUI.

Why do Integon National and Nationwide offer me different rates?

Car insurance carriers use many different variables when calculating the rates they charge. Factors like gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be used. Both Integon National and Nationwide calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto insurance carrier 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 Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, 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 Nationwide 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.