Integon National vs. North Carolina Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• In general, North Carolina Farm Bureau offers significantly more affordable premiums than Integon National
• Integon National offers more affordable prices for drivers with a DUI charge on their record
• North Carolina Farm Bureau offers cheaper average rates for drivers who have less-than-stellar credit

Integon National vs. North Carolina Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge 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 North Carolina Farm Bureau for your next policy, but between the two, which company has less expensive premiums for insurance?

As you can see, North Carolina Farm Bureau is quite a bit cheaper than Integon National, with rates averaging $130 per month compared to $218 with Integon National when looking at the national average rates for auto insurance.

However, that doesn't mean North Carolina Farm Bureau will necessarily be cheaper than Integon National for every single driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things), so prices will change quite a bit from person to person.

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

Integon National or North Carolina Farm Bureau: Average Car Insurance Rates by State

Integon National and North Carolina Farm Bureau only compete against each other in North Carolina, where Integon National offers the cheaper average rates. For North Carolina residents, Integon National offers car insurance for $111 monthly on average. North Carolina Farm Bureau's average premiums come out to be over 15% more expensive, at $130 a month.

That being said, there are plenty of other factors that go into your insurance cost 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 auto insurance prices of any other group of drivers out there on the road. It's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. Just look at the table above -- where 18-year-old drivers who have North Carolina Farm Bureau for their auto insurance pay more than $350 less than those who use Integon National.

Even so, with both carriers, you'll see your prices drop significantly once you turn 25. For example, average premiums for Integon National policyholders reduce nearly $400 and North Carolina Farm Bureau's rates lower about $65 over that time.

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 cheapest premiums you can find.

So, which company offers the best prices to retired drivers? North Carolina Farm Bureau gets the edge, with premiums for drivers 65 and older $50 less expensive than the national average for Integon National.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married drivers. That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, North Carolina Farm Bureau is the clear winner for single policyholders, with prices around $130 a month more affordable than Integon National, on average. For married couples, the advantage is clear again - North Carolina Farm Bureau has the edge when it comes to average premiums.

Integon National vs. North Carolina Farm Bureau: Average Rates by Gender

You may not know, but car insurance is normally cheaper for women than it is for men. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

With Integon National, men generally pay almost 10% more per month than women.; women and men get the same monthly rates with North Carolina Farm Bureau.

Looking at overall affordability, North Carolina Farm Bureau offers the lowest average prices for both men and women, with average premiums 43% less for men and 38% cheaper for women.

Integon National or North Carolina Farm Bureau: 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.

For most people, insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage 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 what you get with a liability policy).

If you're looking for state minimum liability limits, North Carolina Farm Bureau typically offers significantly less expensive rates of $78 compared to Integon National's $128. When it comes to full coverage policies with similar limits, North Carolina Farm Bureau again has the edge, with policies about $150 a month cheaper than Integon National, on average.

Is Integon National or North Carolina Farm Bureau 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.

Tickets and accidents will most likely raise your premiums, but is Integon National or North Carolina Farm Bureau more affordable for 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 per month if they get a ticket, while North Carolina Farm Bureau generally raises prices around $29 a month, on average.

That being said, North Carolina Farm Bureau is usually the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 51% and 55% less expensive, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Integon National drivers who get in an accident can expect to see their prices increase by over $150, while those who have insurance through North Carolina Farm Bureau will see about a $30 increase.

Overall, North Carolina Farm Bureau offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $100 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 ticket or even a collision. North Carolina Farm Bureau drivers usually see a 72% climb in their insurance rates after a DUI charge, while Integon National will normally increase premiums by around 29%.

If you have a DUI on your record and are looking for more affordable rates, Integon National tends to be the much more affordable option with average prices of $204 per month compared to $250 from North Carolina Farm Bureau.

How does Credit Score Impact Integon National and North Carolina Farm Bureau 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 might come into play for many policyholders.

Auto insurance companies 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 at Integon National and North Carolina Farm Bureau specifically, which carrier has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with North Carolina Farm Bureau. Drivers with "excellent" credit can save over 50% compared to Integon National, and those with "good" scores can also expect to see savings -- about $102 or 48% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

North Carolina Farm Bureau typically offers lower premiums than Integon National when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $105 per month less with North Carolina Farm Bureau compared to Integon National, and those with "poor" scores usually save an average of about $77 a month.

Is Integon National or North Carolina Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly car insurance bill. Typically, the more miles you put on your car, the more you can expect to pay for insurance.

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

Integon National vs. North Carolina Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

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

North Carolina Farm Bureau tends to offer the lowest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $126 per month with North Carolina Farm Bureau compared to Integon National's $175. Drivers in suburban ZIP codes pay a monthly price of around $143 with North Carolina Farm Bureau compared to $256 with Integon National. In urban areas, North Carolina Farm Bureau's average premiums are about $120 a month compared to Integon National's $223.

Integon National vs. North Carolina Farm Bureau Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Integon National and North Carolina Farm Bureau so that you can find the one that has the most discounts and, therefore, the biggest savings.

Integon National knocks North Carolina Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than North Carolina Farm Bureau.

There are a couple discounts both carriers offer, but Integon National also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that North Carolina Farm Bureau does not.

On the flip side, North Carolina Farm Bureau has a unique discount of its own -- a protection plus discounts.

Final Thoughts: Is Integon National or North Carolina Farm Bureau Best for You?

So, you've seen how different factors can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best fit for you?

North Carolina Farm Bureau might be best for you if....

• You have an at-fault collision on your record.
• Your neighborhood is in a city.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Integon National might be best for you if...

• You have a DUI charge on your record.
• You're looking for discounts -- Integon National has the most.

We hope this guide helps you get a good idea of the differences between Integon National and North Carolina Farm Bureau and that it aids in making a more informed decision about your auto 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 several companies, not just Integon National and North Carolina Farm Bureau. Luckily, Compare.com does 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. North Carolina Farm Bureau FAQs

Is Integon National or North Carolina Farm Bureau cheaper?

Looking just at the national average premiums, North Carolina Farm Bureau is the less expensive of the two companies, offering average rates of $130 per month compared to $218 for Integon National. Even so, North Carolina Farm Bureau won't necessarily be the cheapest carrier for everyone, since there are multiple different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Integon National or North Carolina Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". Neither company is necessarily "better" for each driver -- it all boils down to your unique insurance profile. For example, Integon National offers cheaper prices for drivers with a recent DUI, while North Carolina Farm Bureau is less expensive for drivers with excellent credit.

Why do Integon National and North Carolina Farm Bureau offer me different rates?

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

How do I know if Integon National or North Carolina Farm Bureau is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from a handful of 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 information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Integon National or North Carolina Farm Bureau 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.