Integon National vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, Workmen's Auto offers significantly more affordable premiums than Integon National
• Integon National tends to be a much less expensive option for drivers who have less-than-stellar credit
• Workmen's Auto offers more affordable prices for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

Integon National vs. Workmen's Auto: 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 hefty discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Integon National or Workmen's Auto as your top options, but between the two, which company has more affordable rates for auto insurance?

Looking at nationwide averages, Integon National has average rates that are about 30% per month more expensive than those from Workmen's Auto.

That being said, Workmen's Auto may not be the cheapest or best option for every driver out there. Insurance companies vary their prices depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a variety of other factors, so premiums could vary drastically from person to person.

Wanting to know if Integon National or Workmen's Auto 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 or Workmen's Auto: Average Car Insurance Rates by State

Integon National and Workmen's Auto only compete against each other in California, where Integon National offers the cheaper average premiums. For California residents, Integon National offers car insurance for $118 monthly on average. Workmen's Auto's average rates come out to be over 20% more expensive, at $151 per month.

There are plenty of other factors that go into your insurance bill than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. That's generally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of nearly $250 less a month by choosing Workmen's Auto over Integon National.

But both carriers will reduce premiums by the time you turn 25. Workmen's Auto offers the steepest drop, 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?

Drivers around retirement age normally enjoy some of the most affordable auto insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can increase premiums.

But who has the best rates for retired drivers between Integon National and Workmen's Auto? Workmen's Auto gets the edge here, with average premiums coming in at around $124 a month compared to Integon National's $170.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually cheaper for married policyholders than they are for single policyholders? That's because policies for married drivers typically cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, Workmen's Auto is the clear winner for those who are single, with premiums about $92 per month less expensive than Integon National, on average. The advantage is also clear for married couples - Workmen's Auto offers the lowest average rates.

Integon National vs. Workmen's Auto: Average Rates by Gender

Did you know women tend to pay less for insurance than men? This is because women are less likely to get into collisions and get tickets, which lowers the chances of an insurance claim.

On average, men see prices nearly 10% a month higher with Integon National; men and women end up paying the same monthly premiums with Workmen's Auto.

Looking at overall affordability, Workmen's Auto comes out as the most affordable option for both genders. On average, women save about $58 per month and men save around $76 with Workmen's Auto compared to the average Integon National policyholder.

Integon National or Workmen's Auto: 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.

It's no secret that car insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

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 their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Workmen's Auto normally offers significantly more affordable prices of $67 compared to Integon National's $128. When it comes to full coverage policies with similar limits, Workmen's Auto again has the edge, with policies about $75 a month less expensive than Integon National, on average.

Is Integon National or Workmen's Auto Better for Drivers with Spotty Records?

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

Tickets and at-fault accidents will most likely raise your rates, but is Integon National or Workmen's Auto cheaper for 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 per month if they get a ticket, while Workmen's Auto usually raises premiums around $34 a month, on average.

Even so, Workmen's Auto tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are 23% and 35% less expensive, respectively, compared to Integon National Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault accident with Integon National increasing by over $150. Workmen's Auto has a less extreme increase, but you can still expect to pay $45 more than you were prior to your first collision.

Overall, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with monthly rates averaging $156 compared to Integon National Insurance Company's $300.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Workmen's Auto drivers usually see a 42% raise in their car insurance premiums after a DUI charge, while Integon National will generally climb rates by about 29%.

If you have a DUI on your record and are looking for more affordable premiums, Workmen's Auto tends to be the much more affordable option with average prices of $191 per month compared to $204 from Integon National.

How does Credit Score Impact Integon National and Workmen's Auto Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly insurance rates. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect many drivers out there.

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, policyholders with good credit will often be rewarded with cheaper prices.

Looking specifically at Integon National and Workmen's Auto, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, Integon National Insurance Company will typically reward you. 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 prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit usually means you'll also see higher premiums 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, because undefined doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Integon National Insurance Company.

Is Integon National or Workmen's Auto 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 large impact on your monthly car insurance cost? That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

Workmen's Auto tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure. Workmen's Auto's average prices for drivers with 6,000 annual miles come in over 40% cheaper than Integon National. Those who drive 12,000 miles annually can expect to pay more than 20% less with Workmen's Auto over Integon National.

Integon National vs. Workmen's Auto: 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 auto insurance, but the type of area you live in can have a considerable impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Workmen's Auto tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save around $26 with Workmen's Auto compared to Integon National. Drivers in suburban ZIP codes pay about $102 less with Workmen's Auto compared to Integon National. In urban areas, Workmen's Auto Insurance's average premiums are around $74 less than Integon National Insurance Company.

Integon National vs. Workmen's Auto 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. That's where car insurance discounts comes into play.

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 section below, we've taken a look at all of the different discounts Integon National and Workmen's Auto offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

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

There are a couple discounts both carriers offer, but Integon National also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Workmen's Auto does not.

On the flip side, Workmen's Auto has a couple unique discounts of its own -- driver-vehicle combination discounts and renewal discounts.

Final Thoughts: Is Integon National or Workmen's Auto Best for You?

You've seen the effect certain variables have on your insurance and the different discounts companies offer. But, at the end of the day, which insurance company is the best carrier for you and your specific needs?

Workmen's Auto might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• Your neighborhood is in a city.
• You are over 65 years old and want to save some money on your auto insurance.

Integon National might be best for you if...

• You have below-average credit.
• You already have a great credit score.
• You're looking for discounts -- Integon National has the most.

We hope this guide has ben a valuable resource as you compare Integon National and Workmen's Auto 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 a handful of carriers, not just Integon National and Workmen's Auto. Luckily, sites like Compare.com make 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 companies in your area, all in just a few minutes.

Integon National vs. Workmen's Auto FAQs

Is Integon National or Workmen's Auto cheaper?

Looking just at the national average rates, Workmen's Auto is the more affordable of the two carriers, offering average rates of $151 a month compared to $218 for Integon National. That being said, Workmen's Auto won't necessarily be the most affordable carrier for everyone, since there are a bunch of different factors that come into play when it comes to your auto insurance payment.

Who is better, Integon National or Workmen's Auto?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Workmen's Auto offers cheaper prices for drivers with a recent DUI, while Integon National is more affordable for drivers with excellent credit.

Why do Integon National and Workmen's Auto offer me different rates?

Insurance companies take a look at a lot of different variables when calculating the premiums they charge policyholders. Things like gender, age, your driving record, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Integon National and Workmen's Auto calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Integon National or Workmen's Auto is right for me?

The only way to find the car insurance company 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 auto insurance carriers in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Integon National or Workmen's Auto 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.