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

Quick Facts

• Looking at the national averages for auto insurance, State National offers significantly cheaper rates than Integon National
• Integon National may help you save more money -- they offer more discounts than State National
• State National offers more affordable prices for policyholders who drive a short distance to work everyday

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed it down to Integon National or State National as your top options, but which one will save you the most?

Looking at nationwide averages, Integon National has average rates that are around 25% a month more expensive than those from State National.

But that doesn't necessarily mean State National will be the more affordable option for each driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your credit score, your driving record, or even where you call home (among other things), so premiums could vary drastically from person to person.

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

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

Integon National and State National only compete against each other in California, where Integon National offers the cheaper average rates. Integon National drivers tend to pay about $41 per month less on average compared to drivers who use State National for their auto insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your prices. Keep reading to learn 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. Usually, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of almost 40% less a month by choosing State National over Integon National.

However, both carriers will lower premiums by the time you turn 25. For example, average rates for Integon National policyholders reduce nearly 70% and State National's premiums decrease over 50% 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 can find.

When looking at Integon National and State National specifically, which carrier is best for retired drivers? State National gets the edge, with rates for drivers 65 and older $52 less expensive than the national average for Integon National.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more affordable for married drivers than they are for those who are single. That's generally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two companies is significant, with State National rates coming in at a third less than Integon National's. The advantage for married policyholders with State National is also obvious, where drivers save almost 15% per month.

Integon National or State National: Average Rates by Gender

Men normally pay more for car insurance than women. That's because women are less likely to get tickets and get into accidents, which decreases the chances of filing a claim with insurance.

Men usually pay nearly 10% more a month than women with Integon National; everyone gets the same monthly premiums regardless of gender with State National.

Looking at the data for each company specifically, State National offers the most affordable average prices for both men and women. On average, male drivers save about $68 per month and women save about $50 with State National compared to the average Integon National policyholder.

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

Even so, most policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, State National has the significant edge, with average monthly rates coming in at $79. If you want a full coverage policy with the same state minimum limits, State National again has the edge, with policies averaging around $240 a month to Integon National's $308.

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

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher prices, but which carrier -- Integon National or State National -- has the cheapest rates for 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 generally expect their monthly bill to go up about 35% after getting a speeding ticket. State National policyholders can expect a less drastic increase of around 28%.

That being said, State National tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 30% cheaper for drivers with clean records and 36% less expensive for those with a ticket.

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 about an $155 -- or around 52% -- rise in their insurance prices. Drivers who use State National for their car insurance will see a monthly bill about $40 (or 28%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, drivers who use State National end up with the cheaper prices after an accident, with average rates coming in at $142 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. On average, State National will raise your premiums around 60% after a DUI, while Integon National's average rates rise by nearly 30%.

But if you end up with a DUI charge and are looking for more affordable premiums, Integon National tends to be more affordable for the average driver, with monthly premiums coming in at about $204 to State National's $252.

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

Did you know many car insurance companies take into account your credit score when determining prices? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

The reasoning auto insurance carriers use is that policyholders 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 normally be forced to pay more.

Looking specifically at State National and Integon National, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have excellent credit. Improving your "good" credit score to an "excellent" one will usually save Integon National Insurance Company customers around 7%. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit generally means you'll also see higher premiums with Integon National Insurance Company. For drivers with less-than-stellar credit, at Integon National Insurance Company, you may pay about 10% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, because undefined doesn't have data available for credit scores, they might have better prices for drivers with bad credit over Integon National Insurance Company.

Is Integon National or State National 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 how much insurance companies will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, State National tends to be the less expensive option. Integon National's average rates for drivers with 6,000 annual miles come in more than $75 more expensive than State National. Those who drive 12,000 miles each year can expect to pay over $40 more with Integon National over State National.

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

Where you live can play a considerable role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the roads where they live.

State National boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around $32 with State National compared to Integon National. People who live in suburban areas pay about $93 less with State National compared to Integon National. For drivers in urban ZIP codes, State National's average rates are around $50 less than Integon National Insurance Company.

Integon National vs. State 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 auto insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Integon National and State National so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Integon National blows State National away when it comes to the sheer amount of discounts available, offering eight more discounts than State National.

A couple of those are overlapping for things like discounts for being a good driver, group discounts, and mature driver discounts. Integon National also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, State National has a few proprietary discounts of their own for things like auto-pilot discounts, distant student discounts, and renewal discounts.

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

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Integon National or State National the right fit for you?

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

• You have an at-fault accident on your record.
• You want the most robust protection via a "full coverage" policy.
• You don't spend much time in your car.

Integon National might be best for you if...

• Your credit is less-than-stellar.
• Your credit score is high.
• You're looking for discounts -- Integon National has the most.

Hopefully, this guide helps you get a better idea of the difference between Integon National and State National. We also hope we've given you the information you need to make the best decision about your car 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 State National. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Integon National vs. State National FAQs

Is Integon National or State National cheaper?

State National is the cheaper of the two carriers when looking at national average prices, with policies averaging $159 a month with State National and $218 for Integon National. However, that doesn't mean State National will be the lowest company for every driver, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Integon National or State National?

Unfortunately, the real answer is "it depends.". No single carrier is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Integon National is less expensive for drivers who have less-than-stellar credit scores, while State National offers more affordable rates for policyholders with an at-fault collision on their record.

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

Car insurance companies use many different variables when calculating the premiums they charge. Factors like gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and State National calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers 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 State 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.