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

Quick Facts

• Based on national averages for car insurance, Integrity offers significantly more affordable rates than Nationwide
• Integrity offers more affordable prices for drivers with a DUI
• Nationwide may help you save more money -- they offer more discounts than Integrity Insurance

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

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

You might be considering Integrity or Nationwide, but between the two, which carrier will save you the most?

Looking at the national average rates for both carriers, Integrity is quite a bit cheaper than Nationwide, with premiums averaging $81 a month compared to $170 with Nationwide.

Even so, that doesn't necessarily mean Integrity will be the less expensive option for every single driver. Insurance companies use a ton of complex algorithms to determine prices, so depending on where you live or how clean your driving record is (among quite a few other factors), you could see wildly different rates from the ones above.

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

Integrity vs. Nationwide: Average Car Insurance Rates by State

Integrity and Nationwide 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 $71 more affordable than auto insurance premiums at Nationwide.

There's a lot more that goes into your car insurance payment than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group out there on the road. That's normally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Integrity save almost 50% per month compared to those who use Nationwide.

But both carriers will reduce rates by the time you turn 25. For example, average prices for Integrity policyholders lower over 65% and Nationwide's premiums decrease more than 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

When looking at Integrity and Nationwide specifically, which carrier is best for retired drivers? Integrity gets the edge, with premiums for drivers 65 and older over 50% less expensive than the national average for Nationwide.

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. That's typically because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two companies is significant, with Integrity premiums coming in at around half of Nationwide's. The advantage is also clear for married drivers - Integrity offers the most affordable average prices.

Integrity or Nationwide: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable rates.

Usually, women see premiums about $10 a month cheaper with Integrity, but with Nationwide, the difference is closer to $12 per month.

Looking at the data for each company specifically, Integrity offers the cheapest average prices for both men and women. On average, women save about $87 a month and men save around $91 with Integrity compared to the average Nationwide policyholder.

Integrity vs. Nationwide: 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Integrity has the significant edge, with average monthly rates 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 Nationwide's $229.

Is Integrity or Nationwide Better for Drivers with Spotty Records?

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

It's no secret secret that collisions and speeding tickets lead to higher premiums, but which carrier -- Integrity or Nationwide -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their car insurance can usually expect their monthly bill to go up around 26% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of about 16%.

However, Integrity tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 50% more affordable for drivers with clean records and 43% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Nationwide raising by around 30%. 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, drivers who use Integrity end up with the cheaper prices after an accident, with average prices coming in at $84 compared to Nationwide's $178.

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 auto insurance bill. For example, Nationwide increases average rates by more than $100 a month -- that's more than a 45% increase.

How does Credit Score Impact Integrity and Nationwide Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it does affect lots of drivers out there.

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

Looking at Integrity and Nationwide specifically, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Integrity or Nationwide 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 car insurance companies will charge for coverage. Typically, the more milage you put on your car each year, the more you can expect to pay for coverage.

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 rates for Nationwide, with policyholders who drive 6,000 miles yearly paying about $1 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Integrity is the cheaper company.

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

Where you call home can play a substantial role in how much you pay for auto insurance. Generally, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads where they live.

Integrity tends to offer the cheapest premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Integrity's average prices are around $82 per month compared to Nationwide's $199. Drivers in suburban ZIP codes pay a monthly premium of about $78 with Integrity compared to $159 with Nationwide. Those in rural areas can expect to pay around $83 a month with Integrity and $151 with Nationwide.

Integrity vs. Nationwide Discounts

No matter why you might be in the market for a new 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 car insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Integrity and Nationwide so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Nationwide knocks Integrity out of the park when it comes to the sheer number of discounts available, offering 22 different discounts to Integrity's 22.

Both carriers offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and life policy discounts -- but Nationwide also offers discounts for agency transfer, driver training, EFT, and more.

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

Final Thoughts: Is Integrity or Nationwide Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is Integrity or Nationwide the best fit for you?

Integrity might be best for you if....

• Your credit is less-than-stellar.
• You want the most robust protection via a "full coverage" policy.
• You don't spend much time in your car.

Nationwide might be best for you if...

• You're planning on moving to another state soon -- undefined is only available in.
• You care about discounts (Nationwide offers the most).

Hopefully, this guide helps you get a good idea of the differences between Integrity and Nationwide. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Integrity and Nationwide. 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 auto insurance companies in your area, all in just a few minutes.

Integrity vs. Nationwide FAQs

Is Integrity or Nationwide cheaper?

Integrity is the more affordable of the two carriers when looking at national average prices, with policies averaging $81 a month with Integrity and $170 for Nationwide. But that doesn't mean Integrity will be the most affordable company for every driver, since there are multiple different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Integrity or Nationwide?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Integrity and Nationwide offer me different rates?

Car insurance companies use many different variables when determining the premiums they charge. Things like where you park your car, gender, where you live, age, and sometimes even things like your credit score can all be taken into consideration. Both Integrity and Nationwide calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the auto insurance carrier 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Integrity or Nationwide 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.