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

Quick Facts

• Based on national averages for car insurance, Integrity offers significantly more affordable rates than State Farm
• Integrity offers cheaper average prices for drivers who have a speeding ticket on their driving record
• State Farm may help you save more money -- they offer more discounts than Integrity Insurance

Integrity or State Farm: Which Company has the Cheapest Car Insurance?

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

You might have narrowed your search down to Integrity or State Farm as potential options, but between the two, which carrier will save you the most?

Looking at the national average rates for both carriers, State Farm has average rates that are around 50% a month more expensive than those from Integrity.

But that doesn't necessarily mean Integrity will be the less expensive option for every single driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things), so rates could change drastically from person to person.

Luckily, we've broken down average premiums from both Integrity and State Farm by a range of different rate factors, so read on to find out which company is the best for you.

Integrity vs. State Farm: Average Car Insurance Rates by State

Integrity and State Farm only compete against each other in two states, with State Farm offering cheaper prices to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity premiums are $84 more affordable than insurance rates at State Farm.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

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

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Integrity save over 45% per month compared to those who use State Farm.

However, with both carriers, you'll see your prices decrease significantly by the time you turn 25. For example, average premiums for Integrity policyholders lower more than 65% and State Farm's rates reduce almost 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest car insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Integrity and State Farm specifically, which carrier is best for retired drivers? Integrity gets the edge, with prices for drivers 65 and older $50 less expensive than the national average for State Farm.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance rates than married couples. That's usually because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Integrity rates coming in at about half of State Farm's. The advantage for married policyholders with Integrity is also obvious, where drivers save nearly 55% a month.

Integrity or State Farm: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

With Integrity, women generally pay almost 10% per month less than men, and around 7% less with State Farm.

Looking at the data for each company specifically, Integrity comes out as the cheapest option for both genders. On average, male drivers save about $79 a month and women save about $75 with Integrity compared to the average State Farm policyholder.

Integrity vs. State Farm: 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.

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

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum 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 State Farm's $216.

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

You've probably seen plenty of commercials from car 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 at-fault accidents and speeding tickets lead to higher rates, but which carrier -- Integrity or State Farm -- has the most affordable premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their auto insurance can normally expect their monthly bill to go up about 26% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of around 14%.

But Integrity has more affordable prices for drivers in both categories -- their rates are around 53% cheaper for drivers with clean records and 45% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Integrity drivers who get in an accident can expect to see their rates rise by 25%, while those who have insurance through State Farm will see about a 20% increase.

At the end of the day, the more affordable prices come from Integrity, with average premiums coming in at $84 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, State Farm will raise your rates around 25% after a DUI, while Integrity's average premiums increase by more than 30%.

How does Credit Score Impact Integrity and State Farm Rates?

Did you know many car insurance companies take into account your credit score when determining prices? This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it will come into play for many policyholders.

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, drivers with bad credit will often be forced to pay more.

So, which company offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Integrity or State Farm 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 pretty big impact on your monthly prices? That's because the fewer miles you put on your car, the less likely you are to be in an accident and file an insurance claim.

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 premiums for State Farm, with policyholders who drive the least paying about $13 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Integrity is the cheaper carrier.

Integrity or State Farm: 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 car insurance, but the type of area you live in can have a substantial impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Integrity boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 35% with Integrity compared to State Farm. People who live in suburban areas pay about 52% less with Integrity compared to State Farm. For drivers in urban ZIP codes, Integrity Insurance's average rates are around 56% less than State Farm.

Integrity vs. State Farm 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 auto insurance discounts as possible.

The challenging 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.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Integrity and State Farm so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

State Farm knocks Integrity out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Integrity.

There are a couple discounts both companies offer, but State Farm also offers discounts for ABS, annual mileage, drive safe & save, and more.

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

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

So, we've broken down the average prices for many of the variables car insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, is Integrity or State Farm the right one for you and your specific needs?

Integrity might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You have above-average credit.
• You drive fewer than 6,000 miles every year.

State Farm might be best for you if...

• You already have plans to move to another state -- undefined only offers policies in.
• You're looking for the carrier with the most discounts.

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple companies, not just Integrity and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Integrity vs. State Farm FAQs

Is Integrity or State Farm cheaper?

Integrity is the less expensive of the two companies when looking at national average rates, with policies averaging $81 a month with Integrity and $158 for State Farm. Even so, that doesn't mean Integrity will be the most affordable company for each driver, since there are several different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Integrity or State Farm?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Integrity and State Farm offer me different rates?

Auto insurance carriers use a lot of different variables when calculating the premiums they charge. Things such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Integrity and State Farm calculate prices 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 variety of different companies.

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

The only way to find the 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 information once and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Integrity or State Farm 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.