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

Quick Facts

• Looking at the national averages for insurance, Integrity offers significantly cheaper premiums than Progressive
• Integrity offers more affordable prices for policyholders who drive fewer than 6,000 miles annually
• Progressive may help you save more money -- they offer more discounts than Integrity Insurance

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

So, you're thinking about switching to 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 might have narrowed your search down to Integrity or Progressive, but which company will offer you less expensive premiums?

As you can see, Progressive is quite a bit more expensive than Integrity, with rates averaging $180 a month compared to just $81 with Integrity when looking at the national average rates for auto insurance.

But that doesn't mean Integrity will necessarily be more affordable than Progressive for every driver. Car insurance carriers use tons of complex algorithms to determine prices, so depending on how old you are or how clean your driving record is (among a lot of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Integrity or Progressive is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

Integrity vs. Progressive: Average Car Insurance Rates by State

Integrity and Progressive only compete against each other in two states, with Progressive offering less expensive rates to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity premiums are $44 cheaper than insurance rates at Progressive.

There are plenty of other factors that go into your auto insurance bill than just your home state. 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 car insurance prices of any other group of drivers out there on the road. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 55% less per month by choosing Integrity over Progressive.

Even so, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for Integrity policyholders reduce more than 65% and Progressive's rates decrease almost 70% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever see.

So, which company offers the best premiums to retired drivers? Integrity gets the edge here, with average rates coming in at around $61 a month compared to Progressive's $131.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance prices than married drivers. This usually boils down to married policyholders having several vehicles on their policy -- something a lot of auto insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Integrity rates coming in at about half of Progressive's. The advantage is also clear for married couples - Integrity offers the lowest average premiums.

Integrity or Progressive: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll usually end up paying more for car insurance than women.

Usually, men see prices around $10 a month higher with Integrity, but with Progressive, the difference is closer to $5 per month.

When it comes to the cheapest rates for each gender, Integrity offers the lowest average prices for both men and women, with average premiums $98 less for men and $101 cheaper for women.

Integrity vs. Progressive: 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 a complicated subject for most people. There are multiple 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.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage 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 limits, 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 a month to Progressive's $250.

Is Integrity or Progressive Better for Drivers with Spotty Records?

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

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 most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their insurance can normally expect their monthly bill to go up around 26% after getting a speeding ticket. Progressive policyholders can expect a less drastic increase of about 17%.

However, Integrity is generally the more affordable option for both drivers who have a recent ticket and those with clean records, offering rates that are 58% and 53% cheaper, respectively, compared to Progressive.

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 Progressive increasing by around 30%. Integrity has a less extreme increase, but you can still expect to pay 25% more than you were prior to your first accident.

At the end of the day, the less expensive prices come from Integrity, with average premiums coming in at $84 compared to Progressive's $214.

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 car insurance bill -- normally a lot more than an accident or speeding ticket. Integrity drivers usually see a 32% increase in their auto insurance rates after a DUI charge, while Progressive will typically climb prices by about 16%.

How does Credit Score Impact Integrity and Progressive Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for lots of drivers.

The reasoning insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which carrier offers the lowest rates for drivers 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 Progressive Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly car insurance cost. Generally, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

In this case, neither Integrity or Progressive report increasing premiums for drivers with higher annual mileage figures. Even so, Integrity comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average rates of $81 per month for both.

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

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads where they live.

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

If you live in a rural area, you can expect to pay around $83 per month with Integrity and $154 with Progressive. People in suburban areas pay a monthly premium of about $78 with Integrity compared to $179 with Progressive. For drivers in urban ZIP codes, Integrity's average prices are around $82 while Progressive offers rates about $207.

Integrity vs. Progressive 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. That's where car insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Integrity and Progressive offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Progressive blows Integrity away when it comes to the sheer amount of discounts available, offering 34 different discounts to Integrity's 13.

There are a couple discounts both companies offer, but Progressive also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like company car discounts, life policy discounts, and prior bi limit discounts.

Final Thoughts: Is Integrity or Progressive Best for You?

So, you've seen how different factors can affect your insurance premiums. We've broken down the different 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 have an at-fault collision on your record.
• Your neighborhood is in a city.
• You drive fewer than 12,000 miles yearly.

Progressive might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• You care about discounts (Progressive offers the most).

Hopefully, this guide helps you get a good idea of the differences between Integrity and Progressive. 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 best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Integrity and Progressive. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Integrity vs. Progressive FAQs

Is Integrity or Progressive cheaper?

Integrity is the cheaper of the two carriers when looking at national average prices, with policies averaging $81 a month with Integrity and $180 for Progressive. But that doesn't mean Integrity will be the lowest carrier for each driver, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Integrity or Progressive?

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

Why do Integrity and Progressive offer me different rates?

Auto insurance companies use quite a few different factors when calculating the rates they charge. Things like gender, age, where your home is, your driving record, and sometimes even things like your credit score can all come into play. Both Integrity and Progressive calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

How do I know if Integrity or Progressive 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Integrity or Progressive 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.