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

Quick Facts

• Looking at the national averages for insurance, Wawanesa offers significantly less expensive prices than Integon National
• Integon National has cheaper rates for drivers who have less-than-stellar credit
• Wawanesa offers more affordable prices for couples purchasing auto insurance together

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

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

You've maybe even narrowed your search down to Integon National or Wawanesa as your top options, but between the two, which company has more affordable rates for insurance?

Looking at nationwide averages, Wawanesa is quite a bit cheaper than Integon National, with premiums averaging $104 per month compared to $218 with Integon National.

But that doesn't mean Wawanesa will necessarily be cheaper than Integon National for each driver. Car insurance companies vary their rates depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and all sorts of other factors. So, at the end of the day, premiums from each company will differ quite a bit from person to person.

Wanting to know if Integon National or Wawanesa 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 Wawanesa: Average Car Insurance Rates by State

Integon National and Wawanesa only compete against each other in California, where Wawanesa offers the cheaper average premiums. For California residents, Wawanesa offers insurance for $104 per month on average. Integon National's average prices come out to be over 10% more expensive, at $118 monthly.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. 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.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Wawanesa save nearly $400 a month compared to those who use Integon National.

However, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Integon National policyholders decrease almost 70% and Wawanesa's prices reduce more than 40% 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 rates you'll ever see.

When looking at Integon National and Wawanesa specifically, which company is best for retired drivers? Wawanesa gets the edge, with premiums for drivers 65 and older nearly 50% more affordable than the national average for Integon National.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are usually less expensive for married drivers than they are for single drivers? That's because policies for married couples typically cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, Wawanesa is the clear winner for single policyholders, with rates about $148 per month more affordable than Integon National, on average. The advantage for married policyholders with Wawanesa is also obvious, where drivers save almost 45% a month.

Integon National vs. Wawanesa: Average Rates by Gender

You may not know, but auto insurance is generally cheaper for women than it is for men. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher prices.

With Integon National, women normally pay nearly $20 per month less than men; men and women end up paying the same monthly premiums with Wawanesa.

Looking at overall affordability, Wawanesa offers the cheapest average rates for both men and women, with average prices 54% less for men and 50% cheaper for women.

Integon National or Wawanesa: 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.

Insurance can be a complicated subject for most people. There are a variety of different coverages that account for lots 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.

The two 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 includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Wawanesa usually offers significantly less expensive premiums of $64 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Wawanesa again has the edge, with policies around $150 a month cheaper than Integon National, on average.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that accidents and tickets lead to higher prices, but which carrier -- Integon National or Wawanesa -- has the lowest 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 per month if they get a ticket, while Wawanesa normally raises prices about $31 a month, on average.

That being said, Wawanesa tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $71 and $118 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 rates increase by over $150, while those who have insurance through Wawanesa will see around a $40 increase.

Overall, the cheaper premiums come from Wawanesa, with monthly prices averaging $113 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 ticket when it comes to your auto insurance bill. On average, Integon National will climb your rates about 29% after a DUI, while Wawanesa's average premiums rise by over 40%.

If you have a DUI on your record and are looking for more affordable rates, Wawanesa tends to be the much less expensive option with average prices of $125 a month compared to $204 from Integon National.

How does Credit Score Impact Integon National and Wawanesa Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly car insurance premiums. This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it will come into play for many policyholders.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the most affordable prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have fantastic credit. Improving your "good" credit score to an "excellent" one will generally save Integon National Insurance Company customers around $15. 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 rates.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you 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, undefined doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over Integon National Insurance Company.

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

How much you drive can have a substantial impact on your monthly car insurance cost. That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

Wawanesa tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Wawanesa's average prices for drivers with 6,000 annual miles come in just under 55% more affordable than Integon National. Those who drive 12,000 miles annually can expect to pay nearly 50% less with Wawanesa over Integon National.

Integon National vs. Wawanesa: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly auto insurance bill. Typically, 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.

When comparing these two companies side-by-side, Wawanesa normally comes out as the cheapest option 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 Wawanesa comes out on top with average premiums around $95 monthly. Wawanesa also has less expensive average rates for drivers in urban and suburban ZIP codes -- a $109 and $151 a month respective difference when compared to Integon National policyholders in similar areas.

Integon National vs. Wawanesa Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

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

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

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

A couple of those are overlapping for things like discounts for being a good driver and mature driver discounts. Integon National also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Wawanesa does not.

Wawanesa's discounts come through just two categories -- Good Driving and Mature Driver.

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

So, we've broken down the average premiums for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right one for you and your specific needs?

Wawanesa might be best for you if....

• You want to save money on your auto insurance after a collision.
• You live in a rural area.
• You don't spend much time in your car.

Integon National might be best for you if...

• You have below-average credit.
• You already have a great credit score.
• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between Integon National and Wawanesa. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Integon National and Wawanesa. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Integon National vs. Wawanesa FAQs

Is Integon National or Wawanesa cheaper?

Looking just at the national average prices, Wawanesa is the cheaper of the two carriers, offering average rates of $104 per month compared to $218 for Integon National. Even so, Wawanesa won't necessarily be the cheapest company for each driver, since there are a bunch of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Integon National or Wawanesa?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for every driver -- it all boils down to your unique insurance profile. For example, Wawanesa offers less expensive premiums for drivers 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 Wawanesa offer me different rates?

Car insurance companies take a look at several different variables when calculating the prices they charge policyholders. Things such as your driving record, gender, where you park your vehicle, age, and sometimes even things like your credit score can all be used. Both Integon National and Wawanesa calculate rates differently, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Integon National or Wawanesa 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code 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 Wawanesa 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.