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

Quick Facts

• Looking at the national averages for auto insurance, Oregon Mutual offers significantly cheaper rates than Integon National
• Integon National offers more discounts than Oregon Mutual
• Oregon Mutual offers more affordable average prices for residents of suburban areas

Integon National vs. Oregon Mutual: 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 discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Integon National or Oregon Mutual for your next policy, but between the two, which carrier will offer you less expensive rates?

Looking at nationwide averages, Integon National has average rates that are about 40% per month more expensive than those from Oregon Mutual.

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

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

Integon National or Oregon Mutual: Average Car Insurance Rates by State

Integon National and Oregon Mutual only compete against each other in one states, with Oregon Mutual offering less expensive rates to the average driver in all of them. Washington has the most noticable difference, where Oregon Mutual premiums are over 30% more affordable than car insurance rates at Integon National.

But there's more to calculating auto insurance premiums than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

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 more than $200 less a month by choosing Oregon Mutual over Integon National.

However, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Integon National policyholders decrease nearly $400 and Oregon Mutual's prices lower around $250 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever find.

But who has the best premiums for retired drivers between Integon National and Oregon Mutual? Oregon Mutual gets the edge here, with average prices coming in at about $100 per month compared to Integon National's $170.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be less expensive for married couples than they are for single policyholders. That's because policies for married drivers generally cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, Oregon Mutual is the clear winner for those who are single, with prices around $104 per month cheaper than Integon National, on average. For married policyholders, the advantage is clear again - Oregon Mutual has the edge when it comes to average premiums.

Integon National vs. Oregon Mutual: Average Rates by Gender

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim.

Men typically pay almost $20 a month more than women with Integon National, and over $10 with Oregon Mutual.

Looking at overall affordability, Oregon Mutual comes out as the most affordable option for both genders, with average prices 38% less for men and 38% cheaper for women.

Integon National or Oregon Mutual: 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, car insurance isn't the easiest topic to understand. There are a variety of different coverages that account for many 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.

Even so, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers 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 limits for liability insurance, Oregon Mutual generally offers more affordable rates of $97 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Oregon Mutual again has the edge, with policies about $150 per month less expensive than Integon National, on average.

Is Integon National or Oregon Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 accidents on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Integon National policyholders can expect their prices to go up an average of $78 a month if they get a ticket, while Oregon Mutual normally raises premiums around $11 per month, on average.

But Oregon Mutual has more affordable rates for drivers in both categories, offering premiums that are 23% and 45% cheaper, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Integon National raising by over $150. Oregon Mutual has a less extreme increase, but you can still expect to pay more than $20 more than you were prior to your first collision.

Overall, the more affordable prices come from Oregon Mutual, with monthly premiums averaging $133 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. For example, Oregon Mutual increases average rates by $60 a month -- that's over a 35% increase.

If you have a DUI on your record and are looking for more affordable prices, Oregon Mutual tends to be the much cheaper option with average premiums of $171 monthly compared to $204 from Integon National.

How does Credit Score Impact Integon National and Oregon Mutual Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly car insurance rates. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect quite a few drivers out there.

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

So, which carrier offers the cheapest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Oregon Mutual. Policyholders with "excellent" credit can save more than 40% compared to Integon National, and those with "good" scores can also expect to see savings -- about $93 or 43% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower rates than Integon National when it comes to drivers with bad credit. Drivers with "fair" credit pay around $101 per month less with Oregon Mutual compared to Integon National, and those with "poor" scores generally save an average of about $90 a month.

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

How much you drive can have a considerable impact on your monthly auto insurance payment. Typically, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Oregon Mutual tends to be the cheaper option. Integon National average premiums for drivers with 6,000 annual miles come in around $85 more expensive than Oregon Mutual. Those who drive 12,000 miles annually can expect to pay about $82 more with Integon National over Oregon Mutual.

Integon National vs. Oregon Mutual: 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 car insurance, but the type of area you live in can have a sizable impact as well. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads in those areas.

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

Drivers in rural ZIP codes see the cheapest prices from both carriers, but Oregon Mutual comes out on top with average rates around $115 monthly. Oregon Mutual also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $72 and $118 a month respective difference when compared to Integon National drivers in similar areas.

Integon National vs. Oregon Mutual 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 with what seems like a million different discounts out there, it can be hard to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by Integon National and Oregon Mutual so that you can 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, Integon National comes out ahead with 18 discounts to Oregon Mutual's 15.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and group discounts. Integon National also offers ABS discounts, agency transfer discounts, DRL discounts, and more that Oregon Mutual does not.

On the flip side, Oregon Mutual has a couple unique discounts of its own -- csl discounts, distant student discounts, discounts for getting driver training, and more.

Final Thoughts: Is Integon National or Oregon Mutual Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is Integon National or Oregon Mutual the right one for you, your vehicle, and your wallet?

Oregon Mutual might be best for you if....

• You have below-average credit.
• Your home is located in the suburbs.
• You drive fewer than 6,000 miles every year.

Integon National might be best for you if...

• You care about discounts (Integon National offers the most).

We hope this guide has ben a valuable resource as you compare Integon National and Oregon Mutual 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 insurance policy is to compare quotes from several carriers, not just Integon National and Oregon Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Integon National vs. Oregon Mutual FAQs

Is Integon National or Oregon Mutual cheaper?

Looking just at the national average premiums, Oregon Mutual is the more affordable of the two carriers, offering average rates of $135 per month compared to $218 for Integon National. However, Oregon Mutual won't necessarily be the most affordable company for each policyholder, since there are a range of different factors that are considered when it comes to your auto insurance bill.

Who is better, Integon National or Oregon Mutual?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Integon National and Oregon Mutual offer me different rates?

Auto insurance companies take a look at many different variables when calculating the prices they charge policyholders. Things such as your driving record, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both Integon National and Oregon Mutual calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple companies 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 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 most affordable rate. And who knows, the best company for you might not be Integon National or Oregon Mutual 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.