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

Quick Facts

• Looking at the national averages for insurance, Integrity offers significantly cheaper prices than Partners Mutual
• Integrity offers more affordable average rates for drivers who have received a ticket within the last few years
• Integrity tends to be a much less expensive option for policyholders who drive a short distance to work everyday

Integrity vs. Partners Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering substantial discounts, but exactly how much money can you save by switching?

You might be considering Integrity or Partners Mutual, but which one will save you the most?

As you can see, Partners Mutual is quite a bit more expensive than Integrity, with premiums averaging $123 per month compared to just $81 with Integrity when looking at the national average rates for car insurance.

But that doesn't mean Integrity will necessarily be cheaper than Partners Mutual for each driver. Auto insurance companies use a ton of complex algorithms to calculate prices, so depending on how good your credit score is or how old you are (among a lot of other factors), you could see wildly different rates from the ones above.

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

Integrity or Partners Mutual: Average Car Insurance Rates by State

Integrity and Partners Mutual only compete against each other in Iowa, where Integrity offers the cheaper average prices. For Iowa residents, Integrity offers insurance for $102 monthly on average. Partners Mutual's average rates come out to be over 20% more expensive, at $123 a month.

But there's more to calculating car insurance prices than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group out there on the road. It's normally 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 auto insurance rates. For example, 18-year-old drivers pay an average of more than $50 less a month by choosing Integrity over Partners Mutual.

Even so, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for Integrity policyholders reduce over 65% and Partners Mutual's prices drop more than 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Integrity and Partners Mutual specifically, which company is best for retired drivers? Integrity gets the edge, with prices for drivers 65 and older $38 less expensive than the national average for Partners Mutual.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly more affordable auto insurance rates than those who are single. That's because policies for married drivers generally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Integrity is the clear winner for single policyholders, with premiums about $40 per month less expensive than Partners Mutual, on average. The advantage is also clear for married policyholders - Integrity offers the lowest average prices.

Integrity vs. Partners Mutual: Average Rates by Gender

You may not know, but car insurance is typically cheaper for women than it is for men. This is because women are less likely to get speeding tickets and get into accidents, which lowers the chances of an insurance claim.

Usually, women see rates nearly 10% a month less with Integrity, and around 6% less with Partners Mutual when compared to their male counterparts.

Looking at the data for each carrier specifically, Integrity offers the cheapest average prices for both men and women, with average premiums $42 less for men and $42 cheaper for women.

Integrity or Partners 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.

Auto insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

That being said, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability insurance, Integrity normally offers significantly more affordable prices of $38 compared to Partners Mutual's $52. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies about $70 per month cheaper than Partners Mutual, on average.

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

You've probably seen plenty of commercials from insurance carriers offering great premiums 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 tickets lead to higher rates, but which company -- Integrity or Partners Mutual -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Integrity policyholders can expect their prices to go up an average of $22 a month if they get a ticket, while Partners Mutual generally raises rates around $16 per month, on average.

Even so, Integrity is typically the more affordable option for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about $16 a month and drivers with a ticket can save around $10 per month with Integrity Insurance.

Which Company is Best for Drivers After an Accident?

Integrity drivers who get in a collision can expect to see their premiums rise by 25%, while those who have insurance through Partners Mutual will see about a 30% increase.

Overall, drivers who use Integrity end up with the cheaper prices after an accident, with monthly prices averaging $84 compared to Partners Mutual Insurance's $115.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. For example, Partners Mutual increases average rates by over $100 a month -- that's over a 60% increase.

If you have a DUI on your record and are looking for more affordable premiums, Integrity tends to be the much less expensive option with average prices of $92 per month compared to $203 from Partners Mutual.

How does Credit Score Impact Integrity and Partners Mutual Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several policyholders out there.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Integrity. Policyholders with "excellent" credit can save just under 30% compared to Partners Mutual, and those with "good" scores can also expect to see savings -- around $34 or 31% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower premiums than Partners Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $44 per month less with Integrity compared to Partners Mutual, and those with "poor" scores usually save an average of around $64 a month.

Is Integrity or Partners Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly prices. Normally, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Integrity or Partners Mutual report increasing prices for drivers with higher annual mileage figures. That being said, Integrity comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average premiums of $81 a month for both.

Integrity vs. Partners Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for insurance. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

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

For drivers in rural ZIP codes, Integrity offers rates about $83 monthly compared to Partners Mutual's $118. People who live in urban ZIP codes can expect to pay around $82 per month for Integrity and $143 for Partners Mutual. Lastly, those in suburban areas tend to get the cheapest prices from both carriers, with average monthly premiums coming in at $78 and $108 for Integrity and Partners Mutual respectively.

Integrity vs. Partners Mutual Discounts

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

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

In the table below, we've broken down all of the different discounts offered by both Integrity and Partners Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Integrity comes out ahead with 13 discounts to Partners Mutual's eight.

A couple of those are overlapping for things like advance quote discounts, group discounts, and multi-policy discounts. Integrity also offers company car discounts, continuous insurance discounts, defensive driver discounts, and more that Partners Mutual does not.

On the flip side, Partners Mutual has a couple unique discounts of its own -- ABS discounts, ESC discounts, paid in full discounts, and more.

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

So, you've seen how different factors can affect your auto insurance rates. We've shown you all the discounts each company offers, too. But, when it comes down to it, which carrier is the best carrier for you and your specific driver profile?

Integrity might be best for you if....

• You're single and purchasing insurance by yourself.
• You care about discounts (Integrity offers the most).
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Partners Mutual might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Integrity and Partners Mutual and that it aids in making a more informed 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 insurance policy is to compare quotes from multiple companies, not just Integrity and Partners Mutual. Luckily, sites like Compare.com make 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 carriers in your area, all for free.

Integrity vs. Partners Mutual FAQs

Is Integrity or Partners Mutual cheaper?

Looking just at the national average prices, Integrity is the less expensive of the two companies, offering average rates of $81 a month compared to $123 for Partners Mutual. But Integrity won't necessarily be the most affordable company for every driver, since there are multiple different variables that come into play when it comes to your insurance payment.

Who is better, Integrity or Partners Mutual?

Sadly, the real answer is "it depends.". One carrier is not necessarily "better" for each driver -- it all boils down to your unique auto insurance profile.

Why do Integrity and Partners Mutual offer me different rates?

Car insurance carriers take a look at quite a few different factors when calculating the rates they charge policyholders. Things like your driving record, where you live, gender, age, and sometimes even things like your credit score can all be used. Both Integrity and Partners Mutual calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Integrity or Partners Mutual 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 carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be Integrity or Partners Mutual 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.