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

Quick Facts

• Looking at the national averages for auto insurance, Integrity offers significantly cheaper rates than State Auto
• Integrity tends to be a much less expensive option for drivers who have received a ticket within the last few years
• State Auto offers more discounts than Integrity Insurance

Integrity vs. State Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Integrity or State Auto for your next policy, but between the two, which one has more affordable prices for car insurance?

Looking at the national average rates for both companies, State Auto is quite a bit more expensive than Integrity, with rates averaging $259 per month compared to just $81 with Integrity.

But that doesn't necessarily mean Integrity will be the less expensive option for each driver. Auto insurance carriers use a variety of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among multiple other factors), you could see wildly different premiums from the ones above.

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

Integrity or State Auto: Average Car Insurance Rates by State

Integrity and State Auto only compete against each other in one states, with Integrity offering more affordable premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity rates are over 70% cheaper than insurance premiums at State Auto.

That being said, there are plenty of other factors that go into your car insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers out there on the road. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Integrity save more than $500 a month compared to those who use State Auto.

That being said, both companies will drop rates by the time you turn 25. State Auto offers the steepest drop, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. That being said, Integrity still has the most affordable premiums at $65 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase rates.

When looking at Integrity and State Auto specifically, which carrier is best for retired drivers? Integrity gets the edge, with premiums for drivers 65 and older $106 more affordable than the national average for State Auto.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance prices than married drivers. That's usually because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Integrity is the clear winner for those who are single, with rates about $229 per month less expensive than State Auto, on average. For married couples, the advantage is clear again - Integrity has the edge when it comes to average prices.

Integrity vs. State Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for insurance than women.

Men generally pay nearly $10 a month more than women with Integrity, while with State Auto, the difference is closer to $24 per month.

Looking at overall affordability, Integrity offers the most affordable average premiums for both men and women. On average, male drivers save about $186 a month and women save around $170 with Integrity compared to the average State Auto policyholder.

Integrity or State Auto: 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, car insurance can be pretty complicated. There are multiple different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum limits for liability insurance, Integrity normally offers significantly cheaper rates of $38 compared to State Auto's $149. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies about $250 per month more affordable than State Auto, on average.

Is Integrity or State Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

Tickets and collisions will most likely raise your premiums, but is Integrity or State Auto less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Integrity policyholders can expect their rates to go up an average of $22 a month if they get a ticket, while State Auto generally raises prices around $48 per month, on average.

However, Integrity has cheaper premiums for drivers in both categories. Drivers with a clean record can save about $107 a month and drivers with a speeding ticket can save around $133 per month with Integrity Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with State Auto climbing by just under $100. Integrity has a less extreme climb, but you can still expect to pay over $20 more than you were prior to your first collision.

Overall, Integrity offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $84 compared to State Auto Insurance's $269.

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 ticket when it comes to your auto insurance bill. On average, State Auto will climb your rates about 55% after a DUI, while Integrity's average premiums rise by over 30%.

If you have a DUI on your record and are looking for more affordable prices, Integrity tends to be the much more affordable option with average rates of $92 a month compared to $380 from State Auto.

How does Credit Score Impact Integrity and State Auto Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly car insurance premiums. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect several drivers out there.

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

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Integrity. Policyholders with "excellent" credit can save more than 65% compared to State Auto, and those with "good" scores can also expect to see savings -- around $154 or 68% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than State Auto when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $180 a month less with Integrity compared to State Auto, and those with "poor" scores typically save an average of around $251 per month.

Is Integrity or State Auto Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly prices? Generally, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

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

Integrity vs. State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a substantial impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Integrity tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $83 monthly with Integrity compared to State Auto's $225. Drivers in suburban ZIP codes pay around $78 with Integrity compared to State Auto's $236 a month. In urban areas, Integrity's average prices are about $82 a month compared to State Auto's $317.

Integrity vs. State Auto Discounts

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

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

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

Overall, State Auto comes out ahead with 18 discounts to Integrity's 13.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, and discounts for being a good student. State Auto also offers ABS discounts, advantage program discounts, COVID-19 relief discount, and more that Integrity does not.

On the flip side, Integrity has a couple unique discounts of its own -- company car discounts, continuous insurance discounts, group discounts, and more.

Final Thoughts: Is Integrity or State Auto Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is Integrity or State Auto the right carrier for you, your vehicle, and your wallet?

Integrity might be best for you if....

• You're single and purchasing car insurance by yourself.
• Your neighborhood is in the suburbs.
• Your neighborhood is in a rural area.

State Auto might be best for you if...

• You're looking for discounts -- State Auto has the most.

We hope this guide helps you get a good idea of the differences between Integrity and State Auto and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Integrity and State Auto. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Integrity vs. State Auto FAQs

Is Integrity or State Auto cheaper?

Looking just at the national average rates, Integrity is the cheaper of the two carriers, offering average rates of $81 per month compared to $259 for State Auto. Even so, Integrity won't necessarily be the cheapest carrier for every driver, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Integrity or State Auto?

Unfortunately, the answer truly is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique auto insurance profile looks like.

Why do Integrity and State Auto offer me different rates?

Insurance companies take a look at quite a few different variables when calculating the premiums they charge drivers. Things like your driving record, gender, age, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Integrity and State Auto use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Integrity or State Auto 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.