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

Quick Facts

• Looking at the national averages for car insurance, Integon National offers slightly less expensive rates than Penn National
• Integon National tends to be a much cheaper option for drivers with a DUI
• Penn National has more affordable premiums for policyholders who live in suburban areas

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

Are you in the market for 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 Penn National as potential options, but which carrier has cheaper prices for auto insurance?

As you can see, Penn National is around $0 more a month than Integon National when looking at the national average rates for insurance.

However, that doesn't mean Integon National will necessarily be more affordable than Penn National for each driver. Car insurance carriers use a ton of complex algorithms to determine rates, so depending on how clean your driving record is or where you live (among several other factors), you could see wildly different premiums from the ones above.

Wanting to know if Integon National or Penn National is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

Integon National and Penn National only compete against each other in two states, with Integon National offering less expensive rates to the average driver in all of them. If you live in North Carolina, Integon National is the cheaper of the two companies when looking at the overall average prices. Penn National is the less expensive option in Virginia.

But there's more to calculating insurance rates than just where you call home. 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 car insurance than any group out there on the road. That's typically because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Penn National for their car insurance pay almost 15% less than those who use Integon National.

Even so, with both carriers, you'll see your premiums decrease significantly by the time you turn 25. For example, average rates for Integon National policyholders reduce nearly 70% and Penn National's premiums lower almost 60% 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 lowest prices you'll ever find.

So, which carrier offers the best rates to retired drivers? In this case, Penn National has the slight edge, with prices about $7 per month less than Integon National. That being said, the difference is only around 5%, so other variables (like your credit score or your driving record) will likely come into play when determining which company has the cheapest premiums for you.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more affordable for married couples than they are for single drivers. That's normally because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two companies is not very significant, with Penn National prices coming in at about 6% less than Integon National's. The advantage for married drivers is more obvious, where drivers who use Integon National save around $20 a month.

Integon National or Penn National: Average Rates by Gender

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

Normally, men see rates nearly 10% per month higher with Integon National, and about 2% more with Penn National.

Looking at the data for each carrier specifically, Integon National is the most affordable company for women. Rates with Integon National are $6 cheaper for women, while with Penn National, men can save around $6.

Integon National vs. Penn National: 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. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

When it comes to state minimum liability insurance, Integon National has the edge, while Penn National offers the lowest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $15 with Integon National Insurance Company, while full coverage comes out to be about $15 cheaper with Penn National Insurance.

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

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

It's no secret secret that speeding tickets and collisions lead to higher rates, but which carrier -- Integon National or Penn National -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Integon National for their car insurance can generally expect their monthly bill to go up around 35% after getting a speeding ticket. Penn National policyholders can expect a less drastic increase of about 22%.

But Penn National tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are $6 and $44 more affordable, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Integon National can expect to see around an $155 -- or about 52% -- rise in their insurance premiums. Drivers who use Penn National for their auto insurance will see a monthly bill around $67 (or 33%) more expensive after reporting a collision to their car insurance company.

At the end of the day, drivers who use Penn National end up with the cheaper prices after an accident, with average rates coming in at $206 compared to Integon National Insurance Company's $300.

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 insurance bill. For example, Penn National increases average prices by more than $200 a month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Integon National tends to be less expensive for the average driver, with monthly premiums coming in at about $204 to Penn National's $346.

How does Credit Score Impact Integon National and Penn National Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it will come into play for lots of policyholders.

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

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, Penn National will typically reward you the most. For policyholders with "excellent" credit scores, Penn National comes in just under 19.5 more affordable. Drivers with "good" credit scores normally save around 15% with Penn National compared to average rates from Integon National.

Which Company is Best for Drivers with Bad Credit?

If you have a below average credit score, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about 10% less with Penn National than Integon National, but those whose credit is considered "poor" have it flipped -- saving around 18% per month with Integon National.

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

How much you drive can have a big impact on your monthly auto insurance cost. That's because the more milage you put on your vehicle each year, the more likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Penn National charges. However, there's a small difference in monthly prices for Integon National, with drivers who put 6,000 miles on their car annually paying about $2 less each month compared to those who drive 12,000 miles yearly.

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

Where you park your vehicle can have a pretty big impact on your monthly insurance bill. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Penn National usually comes out as the cheaper option for drivers in rural and suburban areas, while Integon National wins in urban areas.

For drivers in urban ZIP codes, Integon National Insurance Company's average premiums are around $52 less than Penn National Insurance. People who live in suburban areas pay about $44 less with Penn National compared to Integon National. Those in rural areas can expect to save around $10 with Penn National compared to Integon National.

Integon National vs. Penn National 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 car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Integon National and Penn National so that you can see which one 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 has a slight advantage when it comes to total number of discounts. Penn National offers a grand total of 16 discounts, while Integon National has 18.

Both companies offer a lot of the same discounts -- like advance quote discounts, discounts for being a defensive driver, DRL discounts, and mature driver discounts -- but Integon National also offers discounts for agency transfer, drug and alcohol awareness, EFT, and more.

On the other hand, Penn National has a few proprietary discounts of their own for things like added pip option discounts, distant student discounts, driver training discounts, and more.

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

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which carrier is the best fit for you?

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

• You will be the only person on the auto insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You have a short drive to work everyday.

Integon National might be best for you if...

• You want to save extra money with discounts.
• Your home is in a busy urban area.
• You and your spouse are buying insurance together.

Hopefully, this guide helps you get a good idea of the differences between Integon National and Penn National and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Integon National and Penn National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Integon National vs. Penn National FAQs

Is Integon National or Penn National cheaper?

Integon National is the less expensive of the two companies when looking at national average rates, with policies averaging $218 a month with Integon National and $218 for Penn National. Even so, that doesn't mean Integon National will be the lowest company for every driver, since there are multiple different variables that are considered when it comes to your car insurance payment.

Who is better, Integon National or Penn National?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Integon National is cheaper for drivers who have less-than-stellar credit scores, while Penn National offers more affordable premiums for policyholders with an at-fault accident on their record.

Why do Integon National and Penn National offer me different rates?

Insurance carriers use a lot of different factors when determining the prices they charge. Variables such as gender, where you live, age, your driving record, and sometimes even things like your credit score can all come into play. Both Integon National and Penn National calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car 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 do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Integon National or Penn National 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.