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

Quick Facts

• Based on national averages for car insurance, Travelers offers significantly more affordable rates than Integon National
• Integon National offers more affordable premiums for drivers with a DUI charge on their record
• Travelers tends to be a much cheaper option for people who are single and purchasing auto insurance by yourself

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Integon National or Travelers for your next policy, but between the two, which carrier has less expensive prices for insurance?

As you can see, Integon National has average rates that are about 23% per month more expensive than those from Travelers when looking at the national average rates for car insurance.

However, Travelers may not be the lowest or best option for each driver out there. After all, auto insurance companies can offer drastically different rates to each 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 differ drastically from person to person.

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

Integon National or Travelers: Average Car Insurance Rates by State

Integon National and Travelers only compete against each other in three states, with Integon National offering cheaper prices to the average driver in all of them. Virginia has the most noticable difference, where Travelers premiums are over 70% less expensive than insurance rates at Integon National.

That being said, there are plenty of other factors that go into your car insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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

But with both carriers, you'll see your prices decrease significantly by the time you turn 25. Travelers offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Integon National's average rates lower almost 70% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Integon National and Travelers specifically, which carrier is best for retired drivers? Travelers gets the edge, with rates for drivers 65 and older $38 more affordable than the national average for Integon National.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance prices than married couples. That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Travelers is the clear winner for single drivers, with premiums around $77 a month cheaper than Integon National, on average. For married drivers, the advantage is clear again - Travelers has the edge when it comes to average rates.

Integon National vs. Travelers: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will generally end up paying a little more.

Women usually pay nearly $20 per month less than men with Integon National, while with Travelers, the difference is closer to $11 a month.

When it comes to the lowest premiums for each gender, Travelers offers the cheapest average rates for both men and women, with average prices 24% less for men and 23% cheaper for women.

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

That being said, most policies end up falling into two different types of coverage -- 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 coverage).

If you're looking for state minimum liability insurance, Travelers typically offers more affordable rates of $108 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Travelers again has the edge, with policies about $85 per month less expensive than Integon National, on average.

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

You've probably seen plenty of commercials from car insurance companies offering great prices 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 collisions and tickets lead to higher premiums, but which company -- Integon National or Travelers -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Integon National policyholders can expect their premiums to go up an average of $78 a month if they get a ticket, while Travelers normally raises prices around $32 per month, on average.

Even so, Travelers tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are $17 and $63 more affordable, 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 prices climb by over $150, while those who have insurance through Travelers will see about a $45 increase.

Overall, Travelers offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $173 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 ticket when it comes to your auto insurance bill. For example, Travelers increases average rates by over $75 a month -- that's just under a 40% increase.

How does Credit Score Impact Integon National and Travelers Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly insurance premiums. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few policyholders.

The reasoning auto 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 prices, while those with poor credit will typically be forced to pay more.

So, which carrier offers the most affordable premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Integon National or Travelers 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 substantial impact on your monthly rates? Normally, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Travelers offers cheaper premiums than Integon National. Integon National average rates for drivers with 6,000 annual miles come in around $53 more expensive than Travelers. Those who drive 12,000 miles every year can expect to pay about $50 more with Integon National over Travelers.

Integon National vs. Travelers: 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 big impact as well. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads in those areas.

Travelers boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both companies, but Travelers comes out on top with average prices around $136 per month. Travelers also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a 9% and 38% per month respective difference when compared to Integon National drivers in similar areas.

Integon National vs. Travelers Discounts

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

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

In the table below, we've compared all of the different discounts offered by Integon National and Travelers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers blows Integon National away when it comes to the sheer amount of discounts available, offering 25 different discounts to Integon National's 18.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, DRL discounts, and discounts for being a good student. Travelers also offers alternative fuel discounts, continuous insurance discounts, COVID-19 relief discount, and more that Integon National does not.

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

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

So, we've broken down the average prices for many of the variables insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Integon National or Travelers the right fit for you?

Travelers might be best for you if....

• You've been pulled over for speeding recently.
• You care about discounts (Travelers offers the most).
• You live in a rural neighborhood.

Integon National might be best for you if...

• You have a DUI charge on your record.

We hope this guide has ben a valuable resource as you compare Integon National and Travelers and that it aids in making a more informed 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 auto insurance -- comparing quotes from a handful of companies, not just Integon National and Travelers. 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 insurance carriers in your area, all in just a few minutes.

Integon National vs. Travelers FAQs

Is Integon National or Travelers cheaper?

Looking just at the national average premiums, Travelers is the cheaper of the two companies, offering average rates of $167 a month compared to $218 for Integon National. That being said, Travelers won't necessarily be the most affordable carrier for each driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Integon National or Travelers?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Integon National offers more affordable rates for drivers with a recent DUI, while Travelers is less expensive for drivers with excellent credit.

Why do Integon National and Travelers offer me different rates?

Car insurance carriers take a look at lots of different variables when calculating the premiums they charge policyholders. Things like where you park your car, where you live, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and Travelers calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers 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 information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Integon National or Travelers 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.