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

Quick Facts

• Looking at the national averages for car insurance, Integrity offers significantly less expensive rates than Western National
• Integrity offers more affordable average prices for policyholders who live in the suburbs
• Integrity has cheaper rates for drivers who have received a ticket within the last few years

Integrity vs. Western National: 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 large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Integrity or Western National, but between the two, which one will save you the most?

Looking at the national average rates for both companies, Western National has average rates that are about 45% per month more expensive than those from Integrity.

However, that doesn't mean Integrity will necessarily be less expensive than Western National for every single driver. Auto insurance carriers vary their prices depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and tons of other factors, so premiums will vary quite a bit from person to person.

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

Integrity or Western National: Average Car Insurance Rates by State

Integrity and Western National only compete against each other in two states, with Integrity offering more affordable prices to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity premiums are over 70% less expensive than car insurance rates at Western National.

There are plenty of other factors that go into your auto insurance payment than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Integrity over Western National.

Even so, both companies will reduce rates by the time you turn 25. Western National offers the steepest decrease, 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 car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever find.

So, which carrier offers the best prices to retired drivers? Integrity gets the edge, with rates for drivers 65 and older nearly 45% cheaper than the national average for Western National.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more affordable for married policyholders than they are for single drivers? That's because policies for married drivers normally cover several cars, which many carriers will offer you a discount for.

When it comes to relationship status, Integrity is the clear winner for those who are single, with rates around $77 per month cheaper than Western National, on average. The advantage for married couples with Integrity is also obvious, where drivers save almost 55% a month.

Integrity vs. Western National: Average Rates by Gender

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

With Integrity, women normally pay nearly 10% per month less than men, while with Western National, the difference is closer to 9% a month.

When it comes to the most affordable premiums for each gender, Integrity comes out as the lowest option for both genders, with average prices 47% less for men and 48% cheaper for women.

Integrity or Western National: 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 many different coverages that account for a bunch of 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 provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Integrity usually offers significantly more affordable rates of $38 compared to Western National's $60. When it comes to full coverage policies with similar limits, Integrity again has the edge, with policies about $100 per month less expensive than Western National, on average.

Is Integrity or Western National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the cheapest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National auto insurance policies don't report seeing their prices increase after getting a ticket, but Integrity policyholders can expect to see their monthly bill increase by around a quarter.

But Integrity is typically the cheaper option for both drivers who have clean records and those with a recent ticket -- their rates are around 59% less expensive for drivers with clean records and 45% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Integrity can expect to see about an $21 -- or around 25% -- increase in their insurance rates. Drivers who use Western National for their auto insurance will see a monthly bill about $0 (or 0%) more expensive after reporting a collision to their insurance company.

Overall, the less expensive premiums come from Integrity, with monthly rates averaging $84 compared to Western National Insurance Company's $154.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. Integrity drivers usually see a 32% increase in their car insurance prices after a DUI charge, while Western National will generally climb premiums by around 0%.

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 monthly compared to $154 from Western National.

How does Credit Score Impact Integrity and Western National Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly auto insurance rates. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for several 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 carrier offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Integrity. Drivers with "excellent" credit can save 7% compared to Western National, and those with "good" scores can also expect to see savings -- about $40 or 35% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower prices than Western National when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $72 a month less with Integrity compared to Western National, and those with "poor" scores usually save an average of about $176 per month.

Is Integrity or Western National Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly rates. Generally, the more miles you drive, the more you can expect to pay for coverage.

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 Western National, with drivers who put 6,000 miles on their car annually paying around $4 less every month compared to those who drive 12,000 miles each year. Still, Integrity is the cheaper option for drivers in both categories.

Integrity vs. Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a large role in how much you pay for car insurance. Typically, 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 tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in suburban ZIP codes see the most affordable prices from both companies, but Integrity comes out on top with average rates about $78 a month. Integrity also has less expensive average prices for drivers in urban and rural ZIP codes -- a $95 and $75 per month respective difference when compared to Western National policyholders in similar areas.

Integrity vs. Western National Discounts

Regardless of why you might be in the market for a new car 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 where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

In the section below, we've taken a look at all of the different discounts Integrity and Western National offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Integrity has a slight advantage when it comes to total number of discounts. Western National offers a grand total of 12 discounts, while Integrity has 13.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. Integrity also offers advance quote discounts, company car discounts, continuous insurance discounts, and more that Western National does not.

On the flip side, Western National has a couple unique discounts of its own -- corporate discounts, COVID-19 relief discount, discounts for getting driver training, and more.

Final Thoughts: Is Integrity or Western National Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. But, at the end of the day, which insurance company is the best fit for you?

Integrity might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• Your home is located in the suburbs.
• You live in a rural area.

Western National might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Integrity and Western National and that it aids in making a more informed 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 several carriers, not just Integrity and Western National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Integrity vs. Western National FAQs

Is Integrity or Western National cheaper?

Looking just at the national average premiums, Integrity is the more affordable of the two carriers, offering average rates of $81 a month compared to $154 for Western National. That being said, Integrity won't necessarily be the cheapest carrier for everyone, since there are a variety of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Integrity or Western National?

Unfortunately, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every driver -- it all depends on the makeup of your unique insurance profile.

Why do Integrity and Western National offer me different rates?

Auto insurance companies take a look at lots of different variables when calculating the rates they charge drivers. Things such as where you park your vehicle, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Integrity and Western National calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Integrity or Western National 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Integrity or Western National 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.