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

Quick Facts

• Based on national averages for auto insurance, Integrity offers significantly cheaper rates than West Bend Mutual
• Integrity offers more affordable premiums for policyholders who have a clean record
• West Bend Mutual offers more discounts than Integrity Insurance

Integrity vs. West Bend Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Integrity or West Bend Mutual, but between the two, which company has less expensive rates for insurance?

Looking at the national average rates for both companies, Integrity is quite a bit cheaper than West Bend Mutual, with premiums averaging $81 per month compared to $131 with West Bend Mutual.

But that doesn't necessarily mean Integrity will be the more affordable option for every single driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so prices will vary quite a bit from person to person.

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

Integrity or West Bend Mutual: Average Car Insurance Rates by State

Integrity and West Bend Mutual only compete against each other in two states, with West Bend Mutual offering less expensive prices to the average driver in all of them. If you live in Wisconsin, Integrity is the cheaper of the two companies when looking at the overall average premiums. West Bend Mutual is the more affordable option in Iowa.

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 carriers calculate your prices. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's generally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Integrity save nearly $150 a month compared to those who use West Bend Mutual.

That being said, both companies will reduce rates once you turn 25. West Bend Mutual 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 lowest prices at $65 monthly.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? Integrity gets the edge here, with average rates coming in at about $61 per month compared to West Bend Mutual's $92.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married drivers having more than one car on their policy -- something a lot of auto insurance carriers will reward with discounts.

When it comes to relationship status, Integrity is the clear winner for single policyholders, with rates around $64 per month cheaper than West Bend Mutual, on average. For married couples, the advantage is clear again - Integrity has the edge when it comes to average premiums.

Integrity vs. West Bend Mutual: Average Rates by Gender

Men typically pay more for insurance than women. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher prices.

With Integrity, women usually pay almost $10 a month less than men, and more than $15 with West Bend Mutual.

When it comes to the most affordable rates for each gender, Integrity comes out on top for both men and women. On average, women save about $46 per month and men save about $54 with Integrity compared to the average West Bend Mutual policyholder.

Integrity or West Bend 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Integrity typically offers significantly more affordable prices of $38 compared to West Bend Mutual's $77. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies around $60 a month less expensive than West Bend Mutual, on average.

Is Integrity or West Bend Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and accidents will most likely raise your premiums, but is Integrity or West Bend Mutual cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Integrity policyholders can expect their prices to go up an average of $22 per month if they get a ticket, while West Bend Mutual generally raises rates about $25 a month, on average.

However, Integrity is normally the less expensive option for drivers both with clean records and with a speeding ticket -- their rates are around 25% more affordable for drivers with clean records and 22% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with West Bend Mutual climbing by just under $80. Integrity has a less extreme increase, but you can still expect to pay over $20 more than you were prior to your first collision.

Overall, the more affordable prices come from Integrity, with monthly rates averaging $84 compared to West Bend Mutual Insurance'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 an accident. On average, West Bend Mutual will climb your premiums around 50% after a DUI, while Integrity's average rates 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 cheaper option with average premiums of $92 a month compared to $169 from West Bend Mutual.

How does Credit Score Impact Integrity and West Bend Mutual Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few 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 rates, while those with poor credit will usually be forced to pay more.

Looking specifically at West Bend Mutual and Integrity, which one has the cheapest premiums for drivers at different credit levels?

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 just under 35% compared to West Bend Mutual, and those with "good" scores can also expect to see savings -- about $41 or 36% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower rates than West Bend Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $51 per month less with Integrity compared to West Bend Mutual, and those with "poor" scores normally save an average of about $78 monthly.

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

How much you drive can have a considerable impact on your monthly premiums. Typically, those who drive fewer miles will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

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

Integrity vs. West Bend Mutual: 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 large impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

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

In urban areas, Integrity Insurance's average rates are around $76 less than West Bend Mutual Insurance. Drivers in suburban ZIP codes pay about $44 less with Integrity compared to West Bend Mutual. If you live in a rural area, you can expect to save around $30 with Integrity compared to West Bend Mutual.

Integrity vs. West Bend Mutual Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and 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 challenging to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Integrity and West Bend Mutual offer their customers so that you can see which carrier can save you the most money each month.

Looking at the total number of discounts, West Bend Mutual comes out ahead with 16 discounts to Integrity's 13.

There are a couple discounts both carriers offer, but West Bend Mutual also offers ABS discounts, advanced safety feature discounts, excess vehicle discounts, and more that Integrity does not.

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

Final Thoughts: Is Integrity or West Bend Mutual Best for You?

So, we've broken down the average prices for many of the variables auto insurance companies look at, and we've shown you all the discounts each company offers. But, at the end of the day, which carrier is the right fit for you?

Integrity might be best for you if....

• Your credit is below-average.
• Your credit score is high.
• You are purchasing your car insurance with a spouse.

West Bend Mutual might be best for you if...

• You care about discounts (West Bend Mutual offers the most).

We hope this guide has ben a valuable resource as you compare Integrity and West Bend Mutual and that it aids in making a more informed decision about your insurance.

At the end of the day, the best 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 West Bend Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Integrity vs. West Bend Mutual FAQs

Is Integrity or West Bend Mutual cheaper?

Looking just at the national average rates, Integrity is the more affordable of the two carriers, offering average rates of $81 per month compared to $131 for West Bend Mutual. Even so, Integrity won't necessarily be the lowest company for everyone, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Integrity or West Bend Mutual?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Integrity and West Bend Mutual offer me different rates?

Car insurance companies take a look at several different variables when determining the premiums they charge drivers. Factors such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Integrity and West Bend Mutual calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Integrity or West Bend Mutual is right for me?

The only way to find the auto insurance carrier 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, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Integrity or West Bend Mutual 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.