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

Quick Facts

• Looking at the national averages for auto insurance, Integrity offers significantly more affordable premiums than National Mutual
• Integrity offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• National Mutual may help you save more money -- they offer more discounts than Integrity Insurance

Integrity or National Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Integrity or National Mutual, but which company will offer you cheaper prices?

Looking at nationwide averages, Integrity has average rates that are around 60% a month less expensive than those from National Mutual.

However, Integrity may not be the cheapest or best option for each driver out there. Car insurance carriers use tons of complex algorithms to determine rates, so depending on how clean your driving record is or where you live (among a lot of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Integrity and National Mutual by many different rate factors, so read on to find out which carrier is the best for you.

Integrity vs. National Mutual: Average Car Insurance Rates by State

Integrity and National Mutual only compete against each other in one states, with Integrity offering more affordable premiums to the average driver in all of them. Iowa has the most noticable difference, where Integrity prices are $117 less expensive than auto insurance premiums at National Mutual.

But there's more to calculating car insurance prices than just the state you live in. 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 rates of any group on the road. That's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of almost 60% less per month by choosing Integrity over National Mutual.

Even so, with both companies, you'll see your premiums drop significantly by the time you turn 25. National Mutual offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Integrity still has the lowest rates at $65 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

When looking at Integrity and National Mutual specifically, which company is best for retired drivers? Integrity gets the edge, with rates for drivers 65 and older $73 cheaper than the national average for National Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single policyholders than they are for married couples. This usually boils down to married drivers having multiple vehicles on their policy -- something quite a few auto insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Integrity prices coming in at about a third of National Mutual's. For married policyholders, the advantage is clear again - Integrity has the edge when it comes to average rates.

Integrity or National Mutual: Average Rates by Gender

Did you know men generally pay more for car insurance than women? This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher premiums.

Usually, men see rates nearly 10% a month higher with Integrity, and almost 10% with National Mutual.

Looking at the data for each carrier specifically, Integrity offers the lowest average prices for both men and women, with average premiums 60% less for men and 60% cheaper for women.

Integrity vs. National Mutual: 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 insurance can be pretty complicated. There are a range of different coverages that account for several 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.

That being said, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Integrity has the significant edge, with average monthly prices 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 per month to National Mutual's $308.

Is Integrity or National Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Accidents and speeding tickets will most likely raise your prices, but is Integrity or National Mutual less expensive for drivers with less-than-perfect 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 about 26% after getting a speeding ticket. National Mutual policyholders can expect a less drastic increase of around 8%.

However, Integrity is generally the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are $68 and $57 cheaper, respectively, compared to National Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Integrity drivers who get in a collision can expect to see their rates rise by 25%, while those who have insurance through National Mutual will see about a 35% increase.

At the end of the day, drivers who use Integrity end up with the cheaper prices after an accident, with average premiums coming in at $84 compared to National Mutual Insurance's $207.

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 car insurance bill. On average, National Mutual will raise your rates around 60% after a DUI, while Integrity's average prices increase by more than 30%.

But if you end up with a DUI charge and are looking for more affordable premiums, Integrity tends to be less expensive for the average driver, with monthly premiums coming in at about $92 to National Mutual's $325.

How does Credit Score Impact Integrity and National Mutual Rates?

Did you know many auto insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it will come into play for several policyholders.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at Integrity and National Mutual specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integrity will normally reward you the most. For drivers with "excellent" credit scores, Integrity comes in nearly 48.41 cheaper. Drivers with "good" credit scores usually save around 54% with Integrity compared to average prices from National Mutual.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower premiums than National Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 63% a month less with Integrity compared to National Mutual, and those with "poor" scores typically save an average of around 66% a month.

Is Integrity or National Mutual 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 how much auto insurance carriers will charge for coverage. Normally, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Integrity or National Mutual report increasing prices for drivers with higher annual mileage figures. Integrity comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average rates of $81 per month for both.

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

Where your home is can play a pretty big role in how much you pay for insurance. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more cars on the road where they live, which increases the chances of an accident.

Integrity boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $83 monthly with Integrity and $189 with National Mutual. People in suburban areas pay a monthly price of around $78 with Integrity compared to $201 with National Mutual. In urban areas, Integrity's average premiums are about $82 while National Mutual offers prices around $214.

Integrity vs. National Mutual 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 car insurance discounts as possible.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Integrity and National Mutual offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

National Mutual blows Integrity away when it comes to the sheer amount of discounts available, offering six more discounts than Integrity.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student -- but National Mutual also offers discounts for claim free, driver training, education, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like company car discounts, distant student discounts, group discounts, and more.

Final Thoughts: Is Integrity or National Mutual Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Integrity or National Mutual the best carrier for you, your vehicle, and your wallet?

Integrity might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower rates.

National Mutual might be best for you if...

• You care about discounts (National Mutual offers the most).

Hopefully, this guide helps you get a good idea of the differences between Integrity and National Mutual. 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 multiple companies, not just Integrity and National Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Integrity vs. National Mutual FAQs

Is Integrity or National Mutual cheaper?

Integrity is the cheaper of the two companies when looking at national average premiums, with policies averaging $81 a month with Integrity and $201 for National Mutual. Even so, that doesn't mean Integrity will be the cheapest carrier for each policyholder, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Integrity or National Mutual?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for every policyholder -- it all boils down to your unique car insurance profile.

Why do Integrity and National Mutual offer me different rates?

Insurance carriers use lots of different factors when calculating the rates they charge. Variables such as age, where you park your vehicle, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Integrity and National Mutual calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto 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 area information and you'll get quotes from dozens of your local top insurance companies 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 National Mutual 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.