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

Quick Facts

• In general, Integon National offers significantly more affordable premiums than Pure
• Integon National offers more affordable prices for residents of rural areas
• Integon National offers less expensive average premiums for policyholders who may not have much of a commute

Integon National vs. Pure: 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 discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Integon National or Pure, but between the two, which carrier will offer you cheaper rates?

Looking at nationwide averages, Pure is quite a bit more expensive than Integon National, with prices averaging $331 per month compared to just $218 with Integon National.

But Integon National may not be the cheapest or best option for each driver out there. Auto insurance companies vary their rates depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and a ton of other factors, so prices could change drastically from person to person.

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

Integon National or Pure: Average Car Insurance Rates by State

Integon National and Pure only compete against each other in California, where Integon National offers the cheaper average rates. For California residents, Integon National offers insurance for $118 per month on average. Pure's average premiums come out to be over 70% more expensive, at $331 monthly.

But there's more to calculating auto insurance prices than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Integon National over Pure.

However, with both carriers, you'll see your prices drop significantly by the time drivers turn 25. For example, average premiums for Integon National policyholders reduce almost 70% and Pure's prices decrease more than 55% 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 most affordable premiums you'll ever find.

So, which carrier offers the best rates to retired drivers? Integon National gets the edge, with premiums for drivers 65 and older $64 more affordable than the national average for Pure.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance rates than married drivers. This usually boils down to married policyholders having several cars on their policy -- something a lot of insurance companies will reward with discounts.

When it comes to relationship status, Integon National is the clear winner for those who are single, with prices about $124 per month cheaper than Pure, on average. The advantage is also clear for married couples - Integon National offers the lowest average premiums.

Integon National vs. Pure: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see rates nearly $20 a month higher with Integon National; and with Pure, both genders end up paying the same monthly rate.

When it comes to the cheapest premiums for each gender, Integon National comes out on top for both men and women. On average, women save about $122 per month and men save around $104 with Integon National compared to the average Pure policyholder.

Integon National or Pure: 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 can be pretty complicated. 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 that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability limits, Integon National usually offers slightly less expensive rates of $128 compared to Pure's $134. When it comes to full coverage policies with similar limits, Integon National again has the edge, with policies about $200 a month more affordable than Pure, on average.

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

You've probably seen plenty of commercials from car insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the most affordable premiums to drivers with spotty 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 Pure generally raises prices around $80 a month, on average.

That being said, Integon National tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering rates that are 28% and 21% cheaper, respectively, compared to PURE Insurance.

Which Company is Best for Drivers After an Accident?

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

Overall, the less expensive prices come from Integon National, with monthly rates averaging $300 compared to PURE Insurance's $352.

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 a collision or ticket. For example, Pure increases average premiums by just under $300 per month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable prices, Integon National tends to be the much cheaper option with average rates of $204 a month compared to $489 from Pure.

How does Credit Score Impact Integon National and Pure Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several drivers out there.

The reasoning car insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

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

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. Improving your "good" credit score to an "excellent" one will typically save Integon National Insurance Company customers about $15. undefined, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Integon National Insurance Company. As you can see, Integon National Insurance Company customers with poor credit scores pay around 10% a month more than those with fair scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over Integon National Insurance Company.

Is Integon National or Pure 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 payment. Usually, the more miles you drive, the more you can expect to pay for auto insurance.

Integon National tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure. Integon National's average rates for drivers with 6,000 annual miles come in about $58 cheaper than Pure. Those who drive 12,000 miles annually can expect to pay around $168 less with Integon National over Pure.

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

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

When comparing these two carriers side-by-side, Integon National generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable rates from both companies, but Integon National comes out on top with average prices about $175 monthly. Integon National also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a 40% and 18% per month respective difference when compared to Pure policyholders in similar areas.

Integon National vs. Pure Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

Below, we've broken down all of the different discounts offered by both Integon National and Pure 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 blows Pure away when it comes to the sheer amount of discounts available, offering eight more discounts than Pure.

A couple of those are overlapping for things like discounts for being a good driver, discounts for being a good student, and multi-policy discounts. Integon National also offers advance quote discounts, agency transfer discounts, defensive driver discounts, and more that Pure does not.

On the flip side, Pure has a couple unique discounts of its own -- distant student discounts and occasional operator discounts.

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

So, we've broken down the average rates for many of the factors insurance carriers 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 Pure the right one for you and your specific needs?

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

• You have an at-fault accident on your record.
• You're looking for more protection with "full coverage" car insurance.
• You've started working from home and don't have much of a commute.

Pure might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Integon National and Pure and that it aids in making a more informed decision about your auto insurance.

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

Integon National vs. Pure FAQs

Is Integon National or Pure cheaper?

Looking just at the national average premiums, Integon National is the less expensive of the two companies, offering average rates of $218 a month compared to $331 for Pure. Even so, Integon National won't necessarily be the cheapest company for everyone, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Integon National or Pure?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Integon National and Pure offer me different rates?

Insurance carriers take a look at many different factors when calculating the prices they charge drivers. Variables like where you live, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and Pure use different formulas, 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 multiple different companies.

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

The only way to find the auto insurance carrier 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 ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Integon National or Pure 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.