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

Quick Facts

• Based on national averages for car insurance, Sentry offers more affordable rates than Integon National
• Integon National may help you save more money -- they offer more discounts than Sentry Insurance
• Sentry tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Integon National or Sentry as potential options, but between the two, which carrier has cheaper premiums for insurance?

Looking at the national average rates for both carriers, Integon National is around $23 more a month than Sentry.

However, that doesn't necessarily mean Sentry will be the less expensive option for each driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Integon National and Sentry by multiple different rate factors, so read on to find out which carrier is the best for you.

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

Integon National and Sentry only compete against each other in one states, with Integon National offering cheaper rates to the average driver in all of them. Washington has the most noticable difference, where Integon National premiums are $29 more affordable than auto insurance prices at Sentry.

That being said, there are plenty of other factors that go into your car insurance cost than just where you call home. Keep reading to learn more.

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 other group of drivers out there on the road. Typically, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of almost 25% less per month by choosing Sentry over Integon National.

That being said, both carriers will drop prices by the time drivers turn 25. For example, average rates for Integon National policyholders decrease about $400 and Sentry's prices lower around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance rates you can find. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise premiums.

But who has the best rates for retired drivers between Integon National and Sentry? Sentry gets the edge, with premiums for drivers 65 and older $22 cheaper than the national average for Integon National.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more affordable for married policyholders than they are for those who are single. That's because policies for married drivers typically cover more than one vehicle, which several companies will give you a discount for.

For single drivers, the difference in average premiums between these two carriers is significant, with Sentry prices coming in at about 15% less than Integon National's. It's not quite so glaring for married couples, where drivers who use Integon National save around 1% a month.

Integon National or Sentry: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll normally end up paying more for car insurance than women.

With Integon National, women generally pay nearly $20 per month less than men, and about $20 less with Sentry.

Looking at overall affordability, Sentry comes out on top for both men and women. On average, women save about $24 a month and men save around $22 with Sentry compared to the average Integon National policyholder.

Integon National vs. Sentry: 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. There are so many different coverages and limits 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 (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, Sentry has the edge, with average monthly rates coming in at $104. If you want a full coverage policy with the same state minimum limits, Sentry again has the edge, with policies averaging about $286 per month to Integon National's $308.

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

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

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two companies offers the cheapest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integon National for their car insurance can usually expect their monthly bill to go up around 35% after getting a speeding ticket. Sentry policyholders can expect a less drastic increase of about 12%.

If you have gotten a ticket, Sentry tends to offer the best prices at around 9% less expensive, while Integon National has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Integon National drivers who get in a collision can expect to see their rates rise by over 50%, while those who have insurance through Sentry will see about a 20% increase.

At the end of the day, Sentry offers the most affordable prices for drivers with an at-fault accident on their records, with average rates coming in at $221 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. On average, Integon National will raise your premiums around 29% after a DUI, while Sentry's average prices climb by 0%.

But if you end up with a DUI charge and are looking for more affordable rates, Sentry tends to be more affordable for the average driver, with monthly premiums coming in at about $178 to Integon National's $204.

How does Credit Score Impact Integon National and Sentry Rates?

Did you know many insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (for example, California and Massachusetts are two states that ban the practice entirely), but it will come into play for lots of policyholders.

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

Looking specifically at Sentry and Integon National, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Sentry will typically reward you the most. For policyholders with "excellent" credit scores, Sentry comes in nearly 14 less expensive. Drivers with "good" credit scores normally save around 14% with Sentry compared to average rates from Integon National.

Which Company is Best for Drivers with Bad Credit?

Sentry typically offers lower premiums than Integon National when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 14% a month less with Sentry compared to Integon National, and those with "poor" scores usually save an average of around 14% monthly.

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

Did you know that the amount of time you spend in your car have a considerable impact on how much auto insurance carriers will charge for coverage? That's because the fewer miles you put on your car, the less likely you are to be in a collision 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 Sentry charges. However, there's a small difference in monthly prices for Integon National, with policyholders who drive the least paying about $2 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Sentry is the cheaper company.

Integon National or Sentry: 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 insurance, but the type of area you live in can have a sizable impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Sentry boasts the lowest average prices 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 0% less than Sentry Insurance. People who live in suburban areas pay about 15% less with Sentry compared to Integon National. Those in rural areas can expect to save around 18% with Sentry compared to Integon National.

Integon National vs. Sentry Discounts

No matter 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 you can. That's where auto insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones 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 Sentry so that you can see which company can save you the most money each month.

Integon National knocks Sentry out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Sentry.

A couple of those are overlapping for things like advance quote discounts, discounts for being a homeowner, and paid in full discounts. Integon National also offers discounts for ABS, agency transfer, anti-theft, and more.

Sentry's discounts come through just a few categories, including Advance Quote, Defensive Driver, Homeowner, and more.

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

So, you've seen how different variables can affect your insurance rates. We've shown you all the discounts each company offers, too. But, at the end of the day, is Integon National or Sentry the best fit for you?

Sentry might be best for you if....

• You've been pulled over for speeding recently.
• Your credit is less-than-stellar.
• You live in a rural area.

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 car insurance together.

Hopefully, this guide has ben a valuable resource as you compare Integon National and Sentry. 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 several carriers, not just Integon National and Sentry. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Integon National vs. Sentry FAQs

Is Integon National or Sentry cheaper?

Sentry is the more affordable of the two carriers when looking at national average premiums, with policies averaging $195 per month with Sentry and $218 for Integon National. Even so, that doesn't mean Sentry will be the most affordable carrier for each policyholder, since there are several different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Integon National or Sentry?

Sadly, the answer truly is "it depends.". Neither company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Integon National and Sentry offer me different rates?

Insurance companies use a lot of different variables when calculating the rates they charge. Factors like where you call home, age, where your home is, gender, and sometimes even things like your credit score can all be used. Both Integon National and Sentry calculate prices differently, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Integon National or Sentry 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.