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

Quick Facts

• Based on national averages for car insurance, Progressive offers less expensive premiums than Integon National
• Integon National offers more affordable rates for policyholders who have a clean record
• Progressive offers more affordable premiums for policyholders who drive a short distance to work everyday

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

You've maybe even narrowed it down to Integon National or Progressive as potential options, but between the two, which one has more affordable prices for insurance?

Looking at the national average rates for both companies, Progressive is about $38 per month cheaper than Integon National.

However, Progressive may not be the most affordable or best option for every single driver out there. Auto insurance carriers vary their rates depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and a variety of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Integon National or Progressive: Average Car Insurance Rates by State

Integon National and Progressive only compete against each other in three states, with Integon National offering more affordable rates to the average driver in all of them. Virginia has the most noticable difference, where Progressive premiums are over 70% less expensive than car insurance rates at Integon National.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies calculate your prices. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group out there on the road. It's generally 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 premiums. Just look at the table above -- where 18-year-old drivers who have Progressive for their auto insurance pay $95 less than those who use Integon National.

Even so, both carriers will lower prices by the time you turn 25. For example, average rates for Integon National policyholders drop nearly $400 and Progressive's prices reduce more than $300 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Integon National and Progressive specifically, which company is best for retired drivers? Progressive gets the edge, with prices for drivers 65 and older almost 25% cheaper 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 premiums than married drivers. That's typically 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, Progressive is the clear winner for those who are single, with prices around $46 a month less expensive than Integon National, on average. For married couples, the advantage is clear again - Progressive has the edge when it comes to average premiums.

Integon National vs. Progressive: Average Rates by Gender

Men normally pay more for insurance than women. 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 rates.

Men generally pay about $20 per month more than women with Integon National, and around $5 with Progressive.

Looking at the data for each carrier specifically, Progressive offers the cheapest average premiums for both men and women. On average, male drivers save about $44 a month and women save about $31 with Progressive compared to the average Integon National policyholder.

Integon National or Progressive: 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.

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

The two most common 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 a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Progressive normally offers more affordable prices of $111 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Progressive again has the edge, with policies around $60 per month cheaper than Integon National, on average.

Is Integon National or Progressive 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.

You'll probably end up paying more with tickets and accidents on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect 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 Progressive usually raises premiums about $31 per month, on average.

If you have a clean record, Integon National tends to offer the best rates at around 3% less expensive, while Progressive has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Integon National can expect to see about an $155 -- or around 52% -- increase in their car insurance prices. Drivers who use Progressive for their insurance will see a monthly bill about $65 (or 30%) more expensive after reporting an accident to their auto insurance company.

Overall, drivers who use Progressive end up with the cheaper prices after an accident, with monthly premiums averaging $214 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 car insurance bill -- typically a lot more than a collision or ticket. For example, Integon National increases average rates by just under $60 a month -- that's just under a 30% increase.

How does Credit Score Impact Integon National and Progressive Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance premiums. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for a lot of drivers.

Auto insurance companies 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.

Looking specifically at Progressive and Integon National, which carrier has the lowest prices 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 Progressive 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 insurance cost. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

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

Integon National vs. Progressive: 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 auto insurance, but the type of area you live in can have a large impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads in those areas.

Progressive boasts the lowest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both carriers, but Progressive comes out on top with average rates about $154 monthly. Progressive also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a 7% and 30% per month respective difference when compared to Integon National drivers in similar areas.

Integon National vs. Progressive Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

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

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

Progressive knocks Integon National out of the park when it comes to the sheer number of discounts available, offering 16 more discounts than Integon National.

Both companies offer lots of the same discounts -- like advance quote discounts, anti-theft discounts, discounts for being a defensive driver, and discounts for being a good driver -- but Progressive also offers advanced safety feature discounts, continuous insurance discounts, COVID-19 relief discount, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- drug and alcohol awareness discounts and low cost coverage discounts.

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

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right carrier for you and your specific driver profile?

Progressive might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You are over 65 years old and want to save some money on your car insurance.

Integon National might be best for you if...

• You have a clean record.

We hope this guide has ben a valuable resource as you compare Integon National and Progressive. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best 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 Progressive. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Integon National vs. Progressive FAQs

Is Integon National or Progressive cheaper?

Looking just at the national average premiums, Progressive is the more affordable of the two companies, offering average rates of $180 a month compared to $218 for Integon National. But Progressive won't necessarily be the lowest carrier for everyone, since there are a bunch of different factors that are considered when it comes to your insurance payment.

Who is better, Integon National or Progressive?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique auto insurance profile looks like.

Why do Integon National and Progressive offer me different rates?

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

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

The only way to find the auto insurance company 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 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 cheapest rate. And who knows, the best carrier for you might not be Integon National or Progressive 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.