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

Quick Facts

• In general, Integon National offers cheaper premiums than The Hartford
• Integon National has less expensive rates for policyholders who may not have much of a commute
• The Hartford has more affordable premiums for policyholders who haven't received any speeding tickets or been in an accident in the last few years

Integon National vs. The Hartford: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Integon National or The Hartford for your next policy, but which company will offer you cheaper prices?

Looking at the national average rates for both companies, Integon National is about $47 per month less expensive than The Hartford.

However, that doesn't necessarily mean Integon National will be the more affordable option for every driver. Auto insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a variety of other factors, so premiums will vary quite a bit from person to person.

Wanting to know if Integon National or The Hartford is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Integon National or The Hartford: Average Car Insurance Rates by State

Integon National and The Hartford only compete against each other in California, where Integon National offers the cheaper average rates. For California residents, Integon National offers car insurance for $118 a month on average. The Hartford's average prices come out to be over 70% more expensive, at $265 per month.

There are plenty of other factors that go into your insurance bill than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use The Hartford save more than $100 a month compared to those who use Integon National.

Even so, both companies will lower prices once you turn 25. For example, average premiums for Integon National policyholders drop nearly $400 and The Hartford's rates reduce around $150 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

So, which company offers the best prices to retired drivers? Integon National gets the edge here, with average rates coming in at about $170 monthly compared to The Hartford's $192.

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 because policies for married couples usually cover more than one car, which many carriers will offer you a discount for.

When it comes to relationship status, the two companies are comparable for those who are single, with rates only differing around $26 per month, on average. But for married policyholders, the advantage is clear - Integon National has the edge when it comes to average prices.

Integon National vs. The Hartford: Average Rates by Gender

You may not know, but men typically pay more for insurance than women do. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

With Integon National, men normally pay almost 10% more a month than women.; men and women get the same monthly rates with The Hartford.

When it comes to the cheapest prices for each gender, Integon National comes out on top for both men and women, with average premiums $38 less for men and $56 cheaper for women.

Integon National or The Hartford: 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 isn't the easiest topic to understand. There are a variety of different coverages that account for a bunch of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

But most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Integon National typically offers slightly cheaper prices of $128 compared to The Hartford's $135. When it comes to full coverage policies with similar limits, Integon National again has the edge, with policies about $85 per month less expensive than The Hartford, on average.

Is Integon National or The Hartford Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

You'll probably end up paying more with collisions and tickets on your record, but which of these two companies offers the lowest rates to drivers with spotty 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 The Hartford normally raises premiums around $71 per month, on average.

That being said, The Hartford is usually the more affordable option for drivers both with a speeding ticket and with a clean record, offering rates that are 13% and 12% less expensive, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Integon National drivers who get in a collision can expect to see their premiums increase by over 50%, while those who have insurance through The Hartford will see about a 50% increase.

Overall, the cheaper rates come from The Hartford, with monthly prices averaging $262 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 auto insurance bill -- generally a lot more than an accident or ticket. The Hartford drivers usually see a 73% increase in their car insurance rates after a DUI charge, while Integon National will normally climb premiums by around 29%.

If you have a DUI on your record and are looking for more affordable prices, Integon National tends to be the much more affordable option with average rates of $204 per month compared to $474 from The Hartford.

How does Credit Score Impact Integon National and The Hartford Rates?

Did you know that many insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of policyholders.

The reasoning car 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 generally be forced to pay more.

Looking at Integon National and The Hartford specifically, which one has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Typically, if you have stellar credit, you can expect to be rewarded. With Integon National Insurance Company, improving your score from "good" to "excellent" will typically save you about 7%. On the other hand, undefined 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 $30 a month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, undefined doesn't have data available for credit scores, which means drivers with bad credit may find better rates with undefined over Integon National Insurance Company.

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

How much you drive can have a big impact on your monthly auto insurance cost. Usually, the more miles you drive, the more you can expect to pay for insurance.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Integon National offers cheaper prices than The Hartford. Integon National's average rates for drivers with 6,000 annual miles come in about 8% less expensive than The Hartford. Those who drive 12,000 miles each year can expect to pay around 25% less with Integon National over The Hartford.

Integon National vs. The Hartford: 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 car insurance, but the type of area you live in can have a large impact as well. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the roads in those areas.

Integon National tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Integon National comes out on top with average rates about $175 a month. Integon National also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a $50 and $9 per month respective difference when compared to The Hartford drivers in similar areas.

Integon National vs. The Hartford Discounts

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

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

Below, we've taken a look at all of the different discounts Integon National and The Hartford offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Overall, Integon National has the advantage when it comes to total number of discounts. The Hartford offers a grand total of 13 discounts, while Integon National has 18.

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

On the flip side, The Hartford has a couple unique discounts of its own -- distant student discounts, employee discounts, lay-up credit discounts, and more.

Final Thoughts: Is Integon National or The Hartford Best for You?

So, we've broken down the average premiums for many of the variables auto insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best fit for you?

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

• You have a DUI charge on your record.
• You want basic car insurance coverage at the state minimum limits.
• You drive often but have a short commute.

The Hartford might be best for you if...

• You've been pulled over for speeding recently.
• You have an at-fault accident on your record.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between Integon National and The Hartford and that it aids in making a more informed decision about your 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 companies, not just Integon National and The Hartford. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Integon National vs. The Hartford FAQs

Is Integon National or The Hartford cheaper?

Looking just at the national average rates, Integon National is the cheaper of the two companies, offering average rates of $218 a month compared to $265 for The Hartford. However, Integon National won't necessarily be the cheapest company for everyone, since there are multiple different factors that are considered when it comes to your insurance payment.

Who is better, Integon National or The Hartford?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for every driver -- it all boils down to your unique car insurance profile. For example, The Hartford offers less expensive prices for policyholders with an at-fault collision on their record, while Integon National is more affordable for drivers who have less-than-stellar credit scores.

Why do Integon National and The Hartford offer me different rates?

Insurance carriers take a look at quite a few different variables when determining the premiums they charge drivers. Factors such as gender, where you live, age, your driving record, and sometimes even things like your credit score can all come into play. Both Integon National and The Hartford calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Integon National or The Hartford 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, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Integon National or The Hartford 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.