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

Quick Facts

• In general, Integrity offers significantly cheaper rates than Rurual Mutual
• Integrity offers less expensive average prices for drivers with a DUI
• Integrity has more affordable premiums for drivers who have below-average credit

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Integrity or Rurual Mutual, but which carrier will offer you cheaper rates?

Looking at nationwide averages, Integrity is quite a bit cheaper than Rurual Mutual, with prices averaging $81 a month compared to $167 with Rurual Mutual.

But that doesn't mean Integrity will necessarily be less expensive than Rurual Mutual for every driver. Insurance carriers use a ton of complex algorithms to determine rates, so depending on how old you are or where you live (among lots of other factors), you could see wildly different prices from the ones above.

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

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

Integrity and Rurual Mutual only compete against each other in Wisconsin, where Integrity offers the cheaper average rates. Integrity drivers tend to pay about $107 per month less on average compared to drivers who use Rurual Mutual for their auto insurance.

That being said, there's a lot more that goes into your car insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Integrity for their car insurance pay almost 45% less than those who use Rurual Mutual.

Even so, both companies will decrease rates by the time you turn 25. Rurual Mutual offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Integrity still has the most affordable prices at $65 a month.

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 cheapest premiums you can find.

When looking at Integrity and Rurual Mutual specifically, which carrier is best for retired drivers? Integrity gets the edge, with rates for drivers 65 and older $74 more affordable than the national average for Rurual Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally cheaper for married couples than they are for single drivers? This usually boils down to married drivers having multiple vehicles on their policy -- something many car insurance carriers will reward with discounts.

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

Integrity or Rurual Mutual: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to insurance men will usually end up paying a little more.

With Integrity, women generally pay nearly 10% a month less than men, but with Rurual Mutual, the difference is closer to 6% per month.

When it comes to the cheapest premiums for each gender, Integrity comes out as the lowest option for both genders. On average, women save about $85 a month and men save about $88 with Integrity compared to the average Rurual Mutual policyholder.

Integrity vs. Rurual 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.

For most people, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

However, the most common 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 an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum limits for 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 Rurual Mutual's $267.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your premiums, but is Integrity or Rurual Mutual less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their car insurance can typically expect their monthly bill to go up about 26% after getting a speeding ticket. Rurual Mutual policyholders can expect a less drastic increase of around 8%.

But Integrity has more affordable rates for drivers in both categories -- their rates are around 46% cheaper for drivers with clean records and 33% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Integrity can expect to see about an $21 -- or around 25% -- rise in their auto insurance prices. Drivers who use Rurual Mutual for their car insurance will see a monthly bill about $19 (or 14%) more expensive after reporting a collision to their insurance company.

At the end of the day, the less expensive premiums come from Integrity, with average rates coming in at $84 compared to Rurual Mutual Insurance's $136.

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 -- generally a lot more than an accident or ticket. For example, Rurual Mutual increases average prices by more than $150 a month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Integrity tends to be cheaper for the average driver, with monthly premiums coming in at around $92 to Rurual Mutual's $288.

How does Credit Score Impact Integrity and Rurual Mutual Rates?

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

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

So, which carrier offers the most affordable premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integrity will typically reward you the most. For policyholders with "excellent" credit scores, Integrity comes in just under 47.58 more affordable. Drivers with "good" credit scores usually save about 47% with Integrity compared to average prices from Rurual Mutual.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower premiums than Rurual Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 54% per month less with Integrity compared to Rurual Mutual, and those with "poor" scores typically save an average of about 55% per month.

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

How much you drive can have a big impact on how much auto insurance companies will charge for coverage. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

In this case, neither Integrity or Rurual Mutual report increasing rates for drivers with higher annual mileage figures. Still, Integrity comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $81 a month for both.

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

Where you park your vehicle can have a pretty big impact on your monthly insurance cost. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of 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 cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Integrity Insurance's average premiums are around $129 less than Rurual Mutual Insurance. People who live in suburban areas pay about $54 less with Integrity compared to Rurual Mutual. Those in rural areas can expect to save around $75 with Integrity compared to Rurual Mutual.

Integrity vs. Rurual Mutual Discounts

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

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company 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 Rurual Mutual offer their customers so that you can see which company can save you the most money each month.

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

There are a couple discounts both companies offer, but Integrity also offers discounts for advance quote, anti-theft, company car, and more.

On the other hand, Rurual Mutual has a few proprietary discounts of their own like claim free discounts and paid in full discounts.

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

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which company is the best one for you and your specific needs?

Integrity might be best for you if....

• Your credit is less-than-stellar.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Rurual Mutual might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Integrity and Rurual Mutual and that you can now make a more informed decision when it comes to 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 several carriers, not just Integrity and Rurual Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Integrity vs. Rurual Mutual FAQs

Is Integrity or Rurual Mutual cheaper?

Integrity is the less expensive of the two carriers when looking at national average prices, with policies averaging $81 per month with Integrity and $167 for Rurual Mutual. That being said, that doesn't mean Integrity will be the most affordable carrier for everyone, since there are a range of different factors that come into play when it comes to your car insurance payment.

Who is better, Integrity or Rurual Mutual?

Unfortunately, the answer truly is "it depends.". One company is not necessarily "better" for every policyholder -- it all boils down to your unique insurance profile.

Why do Integrity and Rurual Mutual offer me different rates?

Auto insurance companies use a lot of different variables when calculating the rates they charge. Things such as where you live, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Integrity and Rurual 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 several different carriers.

How do I know if Integrity or Rurual Mutual 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top 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 Rurual 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.