Integrity vs. Le Mars: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Integrity offers significantly cheaper premiums than Le Mars
• Integrity offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Le Mars may help you save more money -- they offer more discounts than Integrity Insurance

Integrity or Le Mars: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Integrity or Le Mars as potential options, but between the two, which company has more affordable premiums for car insurance?

As you can see, Le Mars is quite a bit more expensive than Integrity, with prices averaging $234 a month compared to just $81 with Integrity when looking at the national average rates for auto insurance.

That being said, that doesn't necessarily mean Integrity will be the less expensive option for each driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so rates will vary quite a bit from person to person.

So, if you want to find out which of Integrity or Le Mars is really the best for you, keep reading to see average prices for each company broken down by several different rate factors.

Integrity vs. Le Mars: Average Car Insurance Rates by State

Integrity and Le Mars only compete against each other in Iowa, where Integrity offers the cheaper average premiums. Integrity drivers tend to pay about $132 per month less on average compared to drivers who use Le Mars for their auto insurance.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance companies determine your rates. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Integrity for their auto insurance pay almost 55% less than those who use Le Mars.

Even so, with both carriers, you'll see your prices drop significantly once you turn 25. For example, average rates for Integrity policyholders reduce around $150 and Le Mars's premiums decrease about $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance rates you'll ever see. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can raise prices.

So, which carrier offers the best premiums to retired drivers? Integrity gets the edge here, with average rates coming in at around $61 per month compared to Le Mars's $196.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable insurance prices than single policyholders. That's because policies for married couples typically cover multiple vehicles, which lots of companies will give you a discount for.

For single drivers, the difference in average premiums between these two carriers is significant, with Integrity rates coming in at about a third of Le Mars's. The advantage for married drivers with Integrity is also obvious, where drivers save nearly $150 a month.

Integrity or Le Mars: Average Rates by Gender

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

Men usually pay around $10 per month more than women with Integrity, but with Le Mars, the difference is closer to $29 a month.

Looking at the data for each company specifically, Integrity comes out on top for both men and women. On average, women save about $143 per month and men save about $164 with Integrity compared to the average Le Mars policyholder.

Integrity vs. Le Mars: 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 auto insurance can be pretty complicated. There are lots of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Integrity has the significant edge, with average monthly premiums coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging around $124 a month to Le Mars's $391.

Is Integrity or Le Mars Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the lowest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their auto insurance can typically expect their monthly bill to go up about 26% after getting a speeding ticket. Le Mars policyholders can expect a less drastic increase of around 23%.

But Integrity is generally the less expensive option for both drivers who have a recent ticket and those with clean records. With Integrity Insurance, drivers with a clean record can save about $75 per month and drivers with a speeding ticket can save around $95 a month.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Le Mars increasing by about 26%. Integrity has a less extreme rise, but you can still expect to pay 25% more than you were prior to your first accident.

At the end of the day, Integrity offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $84 compared to Le Mars Insurance Company's $186.

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. Le Mars drivers usually see a 68% raise in their insurance rates after a DUI charge, while Integrity will normally increase premiums by around 32%.

But if you end up with a DUI charge and are looking for more affordable prices, Integrity tends to be cheaper for the average driver, with monthly premiums coming in at about $92 to Le Mars's $434.

How does Credit Score Impact Integrity and Le Mars Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for many drivers.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good 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, Integrity will generally reward you the most. For drivers with "excellent" credit scores, Integrity comes in more than 51.85 less expensive. Drivers with "good" credit scores normally save around 59% with Integrity compared to average prices from Le Mars.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than Le Mars when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 63% per month less with Integrity compared to Le Mars, and those with "poor" scores typically save an average of around 75% a month.

Is Integrity or Le Mars 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 big impact on your monthly insurance bill? Usually, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Integrity charges. However, there's a pretty significant difference in monthly premiums for Le Mars, with drivers who put 6,000 miles on their vehicle yearly paying about $30 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Integrity is the cheaper company.

Integrity or Le Mars: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly auto insurance payment. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Integrity usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Integrity Insurance's average rates are around 72% less than Le Mars Insurance Company. People who live in suburban areas pay about 56% less with Integrity compared to Le Mars. Those in rural areas can expect to save around 65% with Integrity compared to Le Mars.

Integrity vs. Le Mars Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Integrity and Le Mars offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Le Mars has the advantage when it comes to total number of discounts. Integrity offers a grand total of 13 discounts, while Le Mars has 17.

Both carriers offer lots of the same discounts -- like advance quote discounts, anti-theft discounts, and group discounts -- but Le Mars also offers discounts for ABS, driver training, family discount, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like company car discounts, continuous insurance discounts, defensive driver discounts, and more.

Final Thoughts: Is Integrity or Le Mars Best for You?

So, we've broken down the average prices for many of the factors insurance companies look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which company is the right one for you and your specific needs?

Integrity might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates increase.
• You want the most robust protection via a "full coverage" policy.
• You've started working from home and don't have much of a commute.

Le Mars might be best for you if...

• You're looking for discounts -- Le Mars has the most.

Hopefully, this guide helps you get a better idea of the difference between Integrity and Le Mars and that you can now make a more informed decision when it comes to 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 insurance -- comparing quotes from a handful of carriers, not just Integrity and Le Mars. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Integrity vs. Le Mars FAQs

Is Integrity or Le Mars cheaper?

Integrity is the less expensive of the two carriers when looking at national average premiums, with policies averaging $81 a month with Integrity and $234 for Le Mars. However, that doesn't mean Integrity will be the lowest carrier for each policyholder, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Integrity or Le Mars?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Integrity and Le Mars offer me different rates?

Car insurance companies use several different factors when determining the rates they charge. Things like your driving record, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Integrity and Le Mars use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Integrity or Le Mars is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several companies 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 auto insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Integrity or Le Mars 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.