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

Quick Facts

• In general, Integrity offers significantly less expensive rates than Travelers
• Integrity offers more affordable average prices for policyholders who live in rural neighborhoods
• Travelers may help you save more money -- they offer more discounts than Integrity Insurance

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Integrity or Travelers as your top options, but which one will offer you cheaper rates?

As you can see, Integrity is quite a bit cheaper than Travelers, with prices averaging $81 a month compared to $167 with Travelers when looking at the national average rates for insurance.

That being said, that doesn't mean Integrity will necessarily be more affordable than Travelers for every driver. Auto insurance carriers vary their premiums depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a ton of other factors, so prices will change quite a bit from person to person.

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

Integrity vs. Travelers: Average Car Insurance Rates by State

Integrity and Travelers only compete against each other in two states, with Travelers offering cheaper premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity rates are $57 less expensive than car insurance prices at Travelers.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies determine your premiums. Continue reading to learn more about 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 rates of any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of over 45% less per month by choosing Integrity over Travelers.

But both carriers will offer you dramatically lower premiums once you turn 25. Travelers offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Integrity still has the cheapest prices at $65 per month.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you can find.

So, which company offers the best premiums to retired drivers? Integrity gets the edge, with prices for drivers 65 and older $71 cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single drivers than they are for married policyholders. That's because policies for married couples generally cover more than one vehicle, which quite a few companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is significant, with Integrity prices coming in at around half of Travelers's. The advantage for married drivers with Integrity is also obvious, where drivers save more than 55% a month.

Integrity or Travelers: Average Rates by Gender

Did you know women tend to pay less for auto insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher premiums.

Men typically pay almost 10% more per month than women with Integrity, but with Travelers, the difference is closer to 6% a month.

When it comes to the cheapest rates for each gender, Integrity offers the most affordable average prices for both men and women. On average, women save about $84 per month and men save about $87 with Integrity compared to the average Travelers policyholder.

Integrity vs. Travelers: 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, insurance can be pretty complicated. There are a bunch of different coverages that account for multiple 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.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage 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 limits for liability insurance, 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 around $124 a month to Travelers's $225.

Is Integrity or Travelers 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.

Speeding tickets and collisions will most likely raise your prices, but is Integrity or Travelers less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their car insurance can usually expect their monthly bill to go up about 26% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of around 20%.

Even so, Integrity is normally the more affordable option for drivers both with clean records and with a ticket -- their rates are around 51% less expensive for drivers with clean records and 47% cheaper 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 premiums increase by 25%, while those who have insurance through Travelers will see about a 25% increase.

At the end of the day, the more affordable prices come from Integrity, with average premiums coming in at $84 compared to Travelers's $173.

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 insurance bill -- typically a lot more than a collision or speeding ticket. Travelers drivers usually see a 38% increase in their car insurance rates after a DUI charge, while Integrity will normally raise premiums by around 32%.

How does Credit Score Impact Integrity and Travelers Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect lots of policyholders out there.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Integrity and Travelers specifically, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Integrity or Travelers 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 considerable impact on your monthly auto insurance cost? That's because the fewer miles you drive, 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 prices for Travelers, with policyholders who drive the least paying about $5 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Integrity is the cheaper carrier.

Integrity or Travelers: 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 insurance, but the type of area you live in can have a substantial impact as well. Generally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads where they live.

When comparing these two carriers side-by-side, Integrity usually 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 a month with Integrity and $136 with Travelers. Drivers in suburban ZIP codes pay about $78 with Integrity compared to Travelers's $160 monthly. In urban areas, Integrity's average premiums are around $82 while Travelers offers prices about $204.

Integrity vs. Travelers Discounts

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

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

Luckily, we did the hard work for you and looked at all of the different discounts Integrity and Travelers offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers blows Integrity away when it comes to the sheer amount of discounts available, offering 12 more discounts than Integrity.

Both companies offer many of the same discounts -- like advance quote discounts, continuous insurance discounts, distant student discounts, and discounts for insuring multiple cars with the same company -- but Travelers also offers discounts for ABS, alternative fuel, COVID-19 relief, and more.

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

Final Thoughts: Is Integrity or Travelers Best for You?

So, we've broken down the average rates for many of the factors car insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which insurance carrier is the right one for you and your specific needs?

Integrity might be best for you if....

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing auto insurance for a teenager.

Travelers might be best for you if...

• You are considering moving to another state -- undefined only offers policies in.
• You care about discounts (Travelers offers the most).

Hopefully, this guide helps you get a good idea of the differences between Integrity and Travelers. 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 several companies, not just Integrity and Travelers. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Integrity vs. Travelers FAQs

Is Integrity or Travelers cheaper?

Integrity is the less expensive of the two companies when looking at national average premiums, with policies averaging $81 per month with Integrity and $167 for Travelers. That being said, that doesn't mean Integrity will be the lowest company for every driver, since there are several different variables that come into play when it comes to your insurance payment.

Who is better, Integrity or Travelers?

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

Why do Integrity and Travelers offer me different rates?

Insurance carriers use a lot of different factors when determining the rates they charge. Things like where your home is, gender, where you park your car, age, and sometimes even things like your credit score can all be used. Both Integrity and Travelers calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car 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 ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Integrity or Travelers 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.