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

Quick Facts

• Based on national averages for insurance, Integrity offers significantly less expensive prices than Metlife
• Integrity has more affordable rates for policyholders who haven't received any speeding tickets or been in a collision in the last few years
• Metlife may help you save more money -- they offer more discounts than Integrity Insurance

Integrity or Metlife: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Integrity or Metlife as your top options, but which one will offer you cheaper prices?

Looking at nationwide averages, Metlife is quite a bit more expensive than Integrity, with premiums averaging $340 a month compared to just $81 with Integrity.

That being said, that doesn't mean Integrity will necessarily be less expensive than Metlife for every single driver. Car insurance carriers use tons of complex algorithms to determine rates, so depending on how old you are or how clean your driving record is (among a range of other factors), you could see wildly different prices from the ones above.

Wanting to know if Integrity or Metlife is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Integrity vs. Metlife: Average Car Insurance Rates by State

Integrity and Metlife only compete against each other in one states, with Integrity offering cheaper premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity rates are $311 more affordable than insurance premiums at Metlife.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your prices. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Integrity save over 80% per month compared to those who use Metlife.

However, with both carriers, you'll see your rates decrease significantly once you turn 25. For example, average prices for Integrity policyholders drop more than 65% and Metlife's premiums reduce over 70% 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 cheapest rates you'll ever see.

So, which carrier offers the best prices to retired drivers? Integrity gets the edge, with rates for drivers 65 and older $144 cheaper than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more affordable for married drivers than they are for single drivers. That's because policies for married policyholders generally cover more than one vehicle, which lots of companies will give you a discount for.

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

Integrity or Metlife: Average Rates by Gender

Men typically pay more for auto insurance than women. This is because men are statistically more likely than women to get speeding tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

With Integrity, women usually pay around $10 per month less than men, and about $28 less with Metlife.

Looking at overall affordability, Integrity comes out as the most affordable option for both genders. On average, women save about $249 a month and men save around $269 with Integrity compared to the average Metlife policyholder.

Integrity vs. Metlife: 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 isn't the easiest topic to understand. There are a variety 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 an accident.

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 a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum 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 about $124 per month to Metlife's $466.

Is Integrity or Metlife 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.

It's no secret secret that speeding tickets and collisions lead to higher rates, but which company -- Integrity or Metlife -- has the lowest prices for 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 normally expect their monthly bill to go up around 26% after getting a speeding ticket. Metlife policyholders can expect a less drastic increase of about 21%.

But Integrity tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 71% less expensive for drivers with clean records and 70% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Integrity drivers who get in an accident can expect to see their premiums climb by 25%, while those who have insurance through Metlife will see around a 40% increase.

At the end of the day, Integrity offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $84 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or speeding ticket. For example, Metlife increases average premiums by more than $250 a month -- that's more than a 55% increase.

How does Credit Score Impact Integrity and Metlife Rates?

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it does affect many policyholders out there.

The reasoning auto insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Integrity or Metlife 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 substantial impact on how much insurance companies will charge for coverage? That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file 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 small difference in monthly prices for Metlife, with policyholders who drive the least paying about $3 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Integrity is the less expensive company.

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

Where you call home can play a considerable role in how much you pay for auto insurance. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the roads where they live.

Integrity boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Integrity Insurance's average prices are around $307 less than MetLife. People who live in suburban areas pay about $255 less with Integrity compared to Metlife. Those in rural areas can expect to save around $216 with Integrity compared to Metlife.

Integrity vs. Metlife Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Integrity and Metlife so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Metlife knocks Integrity out of the park when it comes to the sheer number of discounts available, offering 23 more discounts than Integrity.

There are a couple discounts both carriers offer, but Metlife also offers discounts for AAA, ABS, academic, and more.

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

Final Thoughts: Is Integrity or Metlife Best for You?

So, we've broken down the average rates for many of the variables 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 carrier for you and your specific profile and needs?

Integrity might be best for you if....

• You've been pulled over for speeding recently.
• 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.

Metlife might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Integrity and Metlife. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Integrity and Metlife. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Integrity vs. Metlife FAQs

Is Integrity or Metlife cheaper?

Integrity is the more affordable of the two carriers when looking at national average prices, with policies averaging $81 per month with Integrity and $340 for Metlife. Even so, that doesn't mean Integrity will be the cheapest carrier for each policyholder, since there are lots of different factors that come into play when it comes to your insurance bill.

Who is better, Integrity or Metlife?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for every policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Integrity and Metlife offer me different rates?

Auto insurance companies use quite a few different variables when calculating the premiums they charge. Things such as age, gender, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be used. Both Integrity and Metlife calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of 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 information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Integrity or Metlife 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.