Integon National vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, United Financial Casualty Company offers significantly more affordable prices than Integon National
• United Financial Casualty Company offers cheaper average rates for residents of rural areas
• United Financial Casualty Company tends to be a much less expensive option for people who are single and purchasing auto insurance by yourself

Integon National vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Integon National or United Financial Casualty Company as your top options, but which one will offer you more affordable prices?

Looking at nationwide averages, United Financial Casualty Company is quite a bit cheaper than Integon National, with premiums averaging $133 per month compared to $218 with Integon National.

Even so, United Financial Casualty Company may not be the most affordable or best option for every single driver out there. Car insurance companies use tons of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among numerous other factors), you could see wildly different premiums from the ones above.

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

Integon National or United Financial Casualty Company: Average Car Insurance Rates by State

Integon National and United Financial Casualty Company only compete against each other in one states, with Integon National offering less expensive prices to the average driver in all of them. California has the most noticable difference, where Integon National premiums are cheaper than insurance prices at United Financial Casualty Company.

That being said, there's a lot more that goes into your auto insurance cost than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group on the road. It's usually because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

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 United Financial Casualty Company save more than $200 a month compared to those who use Integon National.

However, both carriers will reduce prices by the time you turn 25. For example, average rates for Integon National policyholders lower nearly 70% and United Financial Casualty Company's premiums decrease over 65% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices out there.

But who has the best premiums for retired drivers between Integon National and United Financial Casualty Company? United Financial Casualty Company gets the edge here, with average rates coming in at about $95 monthly compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance prices than those who are single. That's typically because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single drivers, with premiums around $106 per month cheaper than Integon National, on average. The advantage for married policyholders with United Financial Casualty Company is also obvious, where drivers save almost $60 a month.

Integon National vs. United Financial Casualty Company: Average Rates by Gender

Women normally to pay less for car insurance than men. 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 rates.

Men usually pay nearly 10% more per month than women with Integon National, and about 1% more with United Financial Casualty Company.

Looking at the data for each company specifically, United Financial Casualty Company comes out as the cheapest option for both genders, with average premiums 41% less for men and 37% cheaper for women.

Integon National or United Financial Casualty Company: 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, auto insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum limits for liability insurance, United Financial Casualty Company generally offers significantly more affordable prices of $79 compared to Integon National's $128. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies around $100 a month less expensive than Integon National, on average.

Is Integon National or United Financial Casualty Company Better for Drivers with Spotty Records?

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

Collisions and tickets will most likely raise your prices, but is Integon National or United Financial Casualty Company more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Integon National policyholders can expect their rates to go up an average of $78 per month if they get a ticket, while United Financial Casualty Company normally raises premiums about $34 a month, on average.

That being said, United Financial Casualty Company has cheaper prices for drivers in both categories, offering rates that are $42 and $86 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 rise by over $150, while those who have insurance through United Financial Casualty Company will see around a $55 increase.

Overall, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with monthly rates averaging $158 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 accident or speeding ticket when it comes to your car insurance bill. For example, Integon National increases average prices by just under $60 per month -- that's just under a 30% increase.

If you have a DUI on your record and are looking for more affordable premiums, United Financial Casualty Company tends to be the much more affordable option with average rates of $134 per month compared to $204 from Integon National.

How does Credit Score Impact Integon National and United Financial Casualty Company Rates?

Did you know that many insurance carriers take into account your credit score when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper prices.

Looking at Integon National and United Financial Casualty Company specifically, which company has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with United Financial Casualty Company. Drivers with "excellent" credit can save nearly 50% compared to Integon National, and those with "good" scores can also expect to see savings -- about $94 or 44% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower prices than Integon National when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $89 a month less with United Financial Casualty Company compared to Integon National, and those with "poor" scores generally save an average of about $89 a month.

Is Integon National or United Financial Casualty Company 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 rates. Normally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, United Financial Casualty Company tends to be the less expensive option. Integon National average prices for drivers with 6,000 annual miles come in around $86 more expensive than United Financial Casualty Company. Those who drive 12,000 miles annually can expect to pay about $84 more with Integon National over United Financial Casualty Company.

Integon National vs. United Financial Casualty Company: 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 considerable impact as well. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

United Financial Casualty Company boasts the most affordable average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but United Financial Casualty Company comes out on top with average premiums around $125 monthly. United Financial Casualty Company also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 38% and 48% per month respective difference when compared to Integon National policyholders in similar areas.

Integon National vs. United Financial Casualty Company Discounts

Regardless of why you might be in the market for a new auto 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 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 qualify for.

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

Both companies offer excellent discounts like discounts for being a defensive driver, discounts for being a good driver, discounts for being a good student, and discounts for insuring multiple cars with the same company.

Final Thoughts: Is Integon National or United Financial Casualty Company Best for You?

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each company offers, too. But, at the end of the day, which carrier is the right one for you and your specific profile and needs?

United Financial Casualty Company might be best for you if....

• You have a DUI charge on your record.
• Your home is located in the suburbs.
• You and your spouse are buying insurance together.

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 good idea of the differences between Integon National and United Financial Casualty Company. 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 auto insurance -- comparing quotes from a handful of carriers, not just Integon National and United Financial Casualty Company. 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 top insurance companies in your area, all in just a few minutes.

Integon National vs. United Financial Casualty Company FAQs

Is Integon National or United Financial Casualty Company cheaper?

Looking just at the national average premiums, United Financial Casualty Company is the less expensive of the two carriers, offering average rates of $133 a month compared to $218 for Integon National. But United Financial Casualty Company won't necessarily be the cheapest company for every policyholder, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Integon National or United Financial Casualty Company?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for each driver -- it all depends on what your unique car insurance profile looks like.

Why do Integon National and United Financial Casualty Company offer me different rates?

Auto insurance companies take a look at many different factors when determining the prices they charge drivers. Things such as where you live, gender, where you park your vehicle, age, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and United Financial Casualty Company use different formulas, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Integon National or United Financial Casualty Company is right for me?

The only way to find the car 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 information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Integon National or United Financial Casualty Company 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.