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

Quick Facts

• Based on national averages for car insurance, Pemco offers significantly less expensive prices than Integon National
• Integon National offers more discounts than PEMCO Insurance
• Pemco offers more affordable average rates for drivers who have received a ticket within the last few years

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

You might have narrowed your search down to Integon National or Pemco, but between the two, which one will save you the most?

Looking at nationwide averages, Integon National has average rates that are about 50% per month more expensive than those from Pemco.

However, Pemco may not be the most affordable or best option for each driver out there. Auto insurance companies use a ton of complex algorithms to calculate premiums, so depending on where you live or how clean your driving record is (among a wide array of other factors), you could see wildly different rates from the ones above.

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

Integon National or Pemco: Average Car Insurance Rates by State

Integon National and Pemco only compete against each other in Washington, where Pemco offers the cheaper average premiums. For Washington residents, Pemco offers insurance for $107 a month on average. Integon National's average prices come out to be over 60% more expensive, at $180 monthly.

But there's more to calculating car insurance rates than just where you call home. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Pemco save nearly $350 a month compared to those who use Integon National.

Even so, with both carriers, you'll see your rates lower significantly by the time drivers turn 25. Pemco offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Integon National's average premiums reduce almost 70% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best premiums for retired drivers between Integon National and Pemco? Pemco gets the edge, with prices for drivers 65 and older $79 cheaper than the national average for Integon National.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be less expensive for married couples than they are for those who are single. That's because policies for married policyholders typically cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, Pemco is the clear winner for single policyholders, with rates around $144 per month more affordable than Integon National, on average. The advantage is also clear for married drivers - Pemco offers the lowest average prices.

Integon National vs. Pemco: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they run a larger risk of filing a claim with insurance. Therefore, men generally pay more for insurance than women.

On average, men see premiums nearly 10% a month higher with Integon National, and about 4% more with Pemco.

Looking at overall affordability, Pemco comes out as the most affordable option for both genders. On average, male drivers save about $118 per month and women save around $104 with Pemco compared to the average Integon National policyholder.

Integon National or Pemco: 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.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Pemco normally offers significantly cheaper rates of $62 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Pemco again has the edge, with policies about $150 a month less expensive than Integon National, on average.

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

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

It's no secret secret that tickets and at-fault accidents lead to higher prices, but which carrier -- Integon National or Pemco -- has the cheapest premiums for drivers with less-than-perfect 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 Pemco typically raises prices around $16 a month, on average.

However, Pemco has more affordable premiums for drivers in both categories, offering rates that are 41% and 55% cheaper, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Integon National drivers who get in a collision can expect to see their premiums rise by over $150, while those who have insurance through Pemco will see about a $25 increase.

Overall, drivers who use Pemco end up with the cheaper prices after an accident, with monthly prices averaging $111 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. For example, Integon National increases average rates by just under $60 per month -- that's just under a 30% increase.

If you have a DUI on your record and are looking for more affordable premiums, Pemco tends to be the much less expensive option with average prices of $131 per month compared to $204 from Integon National.

How does Credit Score Impact Integon National and Pemco Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect many policyholders out there.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Integon National and Pemco, which carrier has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Pemco. Policyholders with "excellent" credit can save nearly 70% compared to Integon National, and those with "good" scores can also expect to see savings -- around $132 or 62% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Pemco typically offers lower premiums than Integon National when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $125 a month less with Pemco compared to Integon National, and those with "poor" scores generally save an average of around $83 a month.

Is Integon National or Pemco 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 your monthly prices. Usually, those who drive less will end up with cheaper rates 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, Pemco offers more affordable premiums than Integon National. Pemco average rates for drivers with 6,000 annual miles come in over $100 less expensive than Integon National. Those who drive 12,000 miles annually can expect to pay more than $100 less with Pemco over Integon National.

Integon National vs. Pemco: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for car insurance. Normally, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the road in those areas, which reduces the chances of an accident.

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

Policyholders in rural ZIP codes see the lowest rates from both carriers, but Pemco comes out on top with average prices about $88 per month. Pemco also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 48% and 54% per month respective difference when compared to Integon National policyholders in similar areas.

Integon National vs. Pemco 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 challenging 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.

In the section below, we've compared all of the different discounts offered by Integon National and Pemco so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Integon National knocks Pemco out of the park when it comes to the sheer number of discounts available, offering six more discounts than Pemco.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, group discounts, and paid in full discounts. Integon National also offers ABS discounts, agency transfer discounts, DRL discounts, and more that Pemco does not.

On the flip side, Pemco has a couple unique discounts of its own -- distant student discounts, employee discounts, and low mileage discounts.

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

You've seen the role certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance company is the best one for you and your specific driver profile?

Pemco might be best for you if....

• You have a DUI charge on your record.
• Your credit score is high.
• You drive fewer than 12,000 miles each year.

Integon National might be best for you if...

• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Integon National and Pemco. We also hope we've given you the information you need to make the best decision when it comes to 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 multiple carriers, not just Integon National and Pemco. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Integon National vs. Pemco FAQs

Is Integon National or Pemco cheaper?

Looking just at the national average premiums, Pemco is the more affordable of the two carriers, offering average rates of $107 a month compared to $218 for Integon National. But Pemco won't necessarily be the cheapest carrier for every driver, since there are multiple different factors that are considered when it comes to your car insurance payment.

Who is better, Integon National or Pemco?

Sadly, the real answer is "it depends.". One company is not "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Integon National and Pemco offer me different rates?

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

How do I know if Integon National or Pemco 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 companies 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 free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Integon National or Pemco 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.