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

Quick Facts

• Looking at the national averages for car insurance, Virginia Farm Bureau offers significantly less expensive rates than Integon National
• Integon National may help you save more money -- they offer more discounts than Virginia Farm Bureau Insurance
• Virginia Farm Bureau has more affordable prices for residents of suburban areas

Integon National or Virginia Farm Bureau: Which Company has the Cheapest Car Insurance?

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

You might have narrowed your search down to Integon National or Virginia Farm Bureau for your next policy, but between the two, which company will save you the most?

Looking at nationwide averages, Integon National is quite a bit more expensive than Virginia Farm Bureau, with premiums averaging $218 a month compared to just $101 with Virginia Farm Bureau.

Even so, Virginia Farm Bureau may not be the lowest or best option for every driver out there. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so rates will change quite a bit from person to person.

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

Integon National vs. Virginia Farm Bureau: Average Car Insurance Rates by State

Integon National and Virginia Farm Bureau only compete against each other in Virginia, where Virginia Farm Bureau offers the cheaper average premiums. Virginia Farm Bureau drivers tend to pay about $286 per month less on average compared to drivers who use Integon National for their insurance.

That being said, there's a lot more that goes into your car insurance cost than just the state you live in. Read on 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 out there on the road. It's because teen 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. For example, 18-year-old drivers pay an average of almost 65% less a month by choosing Virginia Farm Bureau over Integon National.

But with both companies, you'll see your premiums drop significantly by the time you turn 25. Virginia Farm Bureau 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 prices reduce nearly 70% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable car insurance rates you'll ever see. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise premiums.

When looking at Integon National and Virginia Farm Bureau specifically, which carrier is best for retired drivers? Virginia Farm Bureau gets the edge, with prices for drivers 65 and older over 45% cheaper than the national average for Integon National.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance rates than married drivers. That's normally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with Virginia Farm Bureau rates coming in at around half of Integon National's. The advantage for married policyholders with Virginia Farm Bureau is also obvious, where drivers save more than 45% per month.

Integon National or Virginia Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll usually end up paying more for car insurance than women.

Men generally pay almost 10% more a month than women with Integon National, but with Virginia Farm Bureau, the difference is closer to 4% per month.

When it comes to the cheapest premiums for each gender, Virginia Farm Bureau comes out as the lowest option for both genders. On average, women save about $110 a month and men save about $124 with Virginia Farm Bureau compared to the average Integon National policyholder.

Integon National vs. Virginia Farm Bureau: 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. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Virginia Farm Bureau has the significant edge, with average monthly rates coming in at $66. If you want a full coverage policy with the same state minimum limits, Virginia Farm Bureau again has the edge, with policies averaging around $136 per month to Integon National's $308.

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

You've probably seen plenty of commercials from insurance companies 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 speeding tickets on your record, but which of these two carriers offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integon National for their auto insurance can typically expect their monthly bill to go up about 35% after getting a speeding ticket. Virginia Farm Bureau policyholders can expect a less drastic increase of around 23%.

That being said, Virginia Farm Bureau has less expensive premiums for drivers in both categories. With Virginia Farm Bureau Insurance, drivers with a clean record can save about $63 a month and drivers with a ticket can save around $116 per month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Integon National can expect to see about an $155 -- or around 52% -- rise in their insurance rates. Drivers who use Virginia Farm Bureau for their car insurance will see a monthly bill about $23 (or 22%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, drivers who use Virginia Farm Bureau end up with the cheaper prices after an accident, with average prices coming in at $105 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. For example, Integon National increases average rates by nearly $60 a month -- that's nearly a 30% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Virginia Farm Bureau tends to be more affordable for the average driver, with monthly premiums coming in at around $111 to Integon National's $204.

How does Credit Score Impact Integon National and Virginia Farm Bureau Rates?

Did you know many auto insurance companies take your credit score into account when determining prices? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of drivers out there.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Virginia Farm Bureau will normally reward you the most. For drivers with "excellent" credit scores, Virginia Farm Bureau comes in just under 67.5 cheaper. Drivers with "good" credit scores usually save about 59% with Virginia Farm Bureau compared to average rates from Integon National.

Which Company is Best for Drivers with Bad Credit?

Virginia Farm Bureau typically offers lower prices than Integon National when it comes to drivers with bad credit. Drivers with "fair" credit pay around 53% per month less with Virginia Farm Bureau compared to Integon National, and those with "poor" scores normally save an average of about 46% a month.

Is Integon National or Virginia Farm Bureau 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 premiums. Generally, the more milage you put on your vehicle each year, the more you can expect to pay for insurance.

For both remote workers and those taking short commutes, Virginia Farm Bureau offers more affordable prices than Integon National. Virginia Farm Bureau average rates for drivers with 6,000 annual miles come in more than $100 less expensive than Integon National. Those who drive 12,000 miles every year can expect to pay over $100 less with Virginia Farm Bureau over Integon National.

Integon National or Virginia Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a considerable role in how much you pay for auto insurance. Typically, 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.

Virginia Farm Bureau boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Virginia Farm Bureau Insurance's average premiums are around $114 less than Integon National Insurance Company. People who live in suburban areas pay about $140 less with Virginia Farm Bureau compared to Integon National. Those in rural areas can expect to save around $97 with Virginia Farm Bureau compared to Integon National.

Integon National vs. Virginia Farm Bureau 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 insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Integon National and Virginia Farm Bureau so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Integon National knocks Virginia Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Virginia Farm Bureau.

Both companies offer quite a few of the same discounts -- like ABS discounts, discounts for being a good student, and multi-policy discounts -- but Integon National also offers discounts for advance quote, agency transfer, anti-theft, and more.

On the other hand, Virginia Farm Bureau has a few proprietary discounts of their own for things like distant student discounts, driver training discounts, new business discounts, and more.

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

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance company is the best one for you and your specific needs?

Virginia Farm Bureau might be best for you if....

• You will be the only person on the insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You live in a rural neighborhood.

Integon National might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Integon National and Virginia Farm Bureau and that it aids in making a more informed decision about your auto 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 car insurance -- comparing quotes from multiple companies, not just Integon National and Virginia Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Integon National vs. Virginia Farm Bureau FAQs

Is Integon National or Virginia Farm Bureau cheaper?

Virginia Farm Bureau is the cheaper of the two companies when looking at national average rates, with policies averaging $101 a month with Virginia Farm Bureau and $218 for Integon National. However, that doesn't mean Virginia Farm Bureau will be the cheapest carrier for everyone, since there are a variety of different factors that are considered when it comes to your auto insurance bill.

Who is better, Integon National or Virginia Farm Bureau?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Integon National and Virginia Farm Bureau offer me different rates?

Auto insurance carriers use lots of different variables when calculating the prices they charge. Things like where your home is, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and Virginia Farm Bureau calculate premiums using different factors, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the insurance company 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Integon National or Virginia Farm Bureau 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.