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

Quick Facts

• Based on national averages for auto insurance, State Farm offers significantly cheaper prices than Integon National
• State Farm offers more affordable average premiums for policyholders who may not have much of a commute
• State Farm offers more affordable prices for policyholders who have a clean record

Integon National vs. State Farm: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering sizable discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Integon National or State Farm as potential options, but which company will save you the most?

As you can see, State Farm has average rates that are about 30% per month less expensive than those from Integon National when looking at the national average rates for car insurance.

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

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

Integon National or State Farm: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your insurance payment than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's usually because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have State Farm for their insurance pay nearly $200 less than those who use Integon National.

Even so, both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for Integon National policyholders lower almost $400 and State Farm's prices drop more than $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best rates for retired drivers between Integon National and State Farm? State Farm gets the edge here, with average premiums coming in at around $111 per month compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper car insurance prices than those who are single. That's because policies for married policyholders generally cover multiple cars, which several companies will offer you a discount for.

When it comes to relationship status, State Farm is the clear winner for single drivers, with rates about $84 a month less expensive than Integon National, on average. The advantage for married drivers with State Farm is also obvious, where drivers save nearly 20% per month.

Integon National vs. State Farm: Average Rates by Gender

You may not know, but auto insurance is usually cheaper for women than it is for men. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher prices.

Normally, men see premiums around $20 a month higher with Integon National, and about $10 with State Farm.

Looking at the data for each company specifically, State Farm comes out as the lowest option for both genders. On average, male drivers save about $63 per month and women save around $57 with State Farm compared to the average Integon National policyholder.

Integon National or State Farm: 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. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

That being said, most policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, State Farm normally offers more affordable rates of $99 compared to Integon National's $128. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies about $90 a month less expensive than Integon National, on average.

Is Integon National or State Farm Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 at-fault accidents and tickets lead to higher prices, but which carrier -- Integon National or State Farm -- has the most affordable premiums for 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 per month if they get a ticket, while State Farm generally raises premiums around $21 a month, on average.

However, State Farm has more affordable rates for drivers in both categories, offering premiums that are 8% and 30% cheaper, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Integon National drivers who get in an accident can expect to see their prices increase by over $150, while those who have insurance through State Farm will see about a $30 increase.

Overall, State Farm offers the cheapest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $163 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 auto insurance bill. For example, Integon National increases average rates by just under $60 per month -- that's just under a 30% increase.

How does Credit Score Impact Integon National and State Farm Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect many policyholders out there.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

Looking specifically at State Farm and Integon National, which one has the best rates 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 State Farm 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 auto insurance cost. Normally, the more miles you drive, the more you can expect to pay for coverage.

State Farm tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure. State Farm average prices for drivers with 6,000 annual miles come in over $65 less expensive than Integon National. Those who drive 12,000 miles annually can expect to pay $55 less with State Farm over Integon National.

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

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

State Farm boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both companies, but State Farm comes out on top with average prices around $127 a month. State Farm also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a $38 and $95 a month respective difference when compared to Integon National drivers in similar areas.

Integon National vs. State Farm 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 utilizing as many auto insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by Integon National and State Farm so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, State Farm has the advantage when it comes to total number of discounts. Integon National offers a grand total of 18 discounts, while State Farm has 23.

There are a couple discounts both carriers offer, but State Farm also offers annual mileage discounts, distant student discounts, drive safe & save discounts, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- advance quote discounts, agency transfer discounts, drug and alcohol awareness discounts, and more.

Final Thoughts: Is Integon National or State Farm Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which company is the right one for you and your specific driver profile?

State Farm might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums climb.
• You want basic car insurance coverage at the state minimum limits.
• You drive fewer than 6,000 miles yearly.

Integon National 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 better idea of the difference between Integon National and State Farm and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Integon National and State Farm. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Integon National vs. State Farm FAQs

Is Integon National or State Farm cheaper?

Looking just at the national average rates, State Farm is the more affordable of the two carriers, offering average rates of $158 per month compared to $218 for Integon National. But State Farm won't necessarily be the lowest carrier for everyone, since there are several different variables that come into play when it comes to your auto insurance payment.

Who is better, Integon National or State Farm?

Sadly, the answer truly is "it depends.". One company is not "better" for everyone -- it all boils down to your unique car insurance profile. For example, State Farm offers cheaper prices for policyholders with an at-fault accident on their record, while Integon National is less expensive for drivers who have less-than-stellar credit scores.

Why do Integon National and State Farm offer me different rates?

Insurance companies take a look at quite a few different factors when determining the premiums they charge drivers. Variables like where you live, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Integon National and State Farm calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car 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 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 lowest price. And who knows, the best carrier for you might not be Integon National or State Farm 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.