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

Quick Facts

• In general, State Farm offers significantly more affordable premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than State Farm
• State Farm tends to be a much less expensive option for drivers who have below-average credit

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Encompass or State Farm as your top options, but which carrier will save you the most?

Looking at nationwide averages, State Farm has average rates that are around 65% a month cheaper than those from Encompass.

Even so, that doesn't necessarily mean State Farm will be the less expensive option for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

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

Encompass and State Farm compete against each other in 31 states, with State Farm offering more affordable premiums to the average driver in all of them. If you live in, undefined is the cheaper of the two companies when looking at the overall average prices, but State Farm is the cheaper option in most of the others.

That being said, there's a lot more that goes into your insurance cost than just where you live. Read on to learn more.

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Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's because teen 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have State Farm for their auto insurance pay over 70% less than those who use Encompass.

However, with both carriers, you'll see your prices lower significantly once you turn 25. For example, average premiums for Encompass policyholders reduce about $500 and State Farm's rates decrease more than $200 over that time.

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 cheapest premiums you'll ever find.

So, which company offers the best prices to retired drivers? State Farm gets the edge here, with average rates coming in at around $111 per month compared to Encompass's $335.

Which is the Best Company for Married Drivers?

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

For those who are single, the difference in average premiums between these two carriers is significant, with State Farm rates coming in at about a third of Encompass's. The advantage for married drivers with State Farm is also obvious, where drivers save around $200 per month.

Encompass or State Farm: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to insurance men will normally end up paying a little more.

On average, women see premiums about 5% a month less with Encompass, and around 7% less with State Farm when compared to their male counterparts.

When it comes to the lowest prices for each gender, State Farm comes out on top for both men and women, with average premiums $313 less for men and $302 cheaper for women.

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Encompass 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.

Car insurance isn't the easiest topic to understand. There are a variety 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 a collision.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, State Farm has the significant edge, with average monthly prices coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging about $216 per month to Encompass's $629.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that at-fault accidents and speeding tickets lead to higher rates, but which carrier -- Encompass or State Farm -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their auto insurance can typically expect their monthly bill to go up around 21% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of about 14%.

But State Farm has more affordable premiums for drivers in both categories, offering rates that are 41% and 46% less expensive, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in a collision can expect to see their prices rise by over $100, while those who have insurance through State Farm will see around a $30 increase.

At the end of the day, the cheaper rates come from State Farm, with average premiums coming in at $163 compared to Encompass Insurance's $328.

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 car insurance bill -- usually a lot more than an accident or ticket. Encompass drivers usually see a 78% increase in their auto insurance rates after a DUI charge, while State Farm will typically raise premiums by about 25%.

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How does Credit Score Impact Encompass and State Farm Rates?

Often times, your credit score can be used as one of the variables to determine your monthly insurance prices. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for many policyholders.

The reasoning car insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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Is Encompass 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 substantial impact on how much insurance companies will charge for coverage? Generally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing a collision and filing an insurance claim.

State Farm tends to be the cheaper option for both remote workers and those taking short commutes. State Farm's average rates for drivers with 6,000 annual miles come in around $314 more affordable than Encompass. Those who drive 12,000 miles annually can expect to pay about $303 less with State Farm over Encompass.

Encompass or State Farm: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a sizable impact on your monthly auto insurance bill. Normally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the roads where they live.

When comparing these two carriers side-by-side, State Farm usually comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, State Farm's average premiums are around 67% less than Encompass Insurance. People who live in suburban areas pay about 63% less with State Farm compared to Encompass. Those in rural areas can expect to save around 69% with State Farm compared to Encompass.

Encompass vs. State Farm Discounts

No matter 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 you can, and 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 hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

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

Overall, Encompass has advantage when it comes to total number of discounts. State Farm offers a grand total of 23 discounts, while Encompass has 26.

There are a couple discounts both companies offer, but Encompass also offers discounts for advance quote, EFT, employee discount, and more.

On the other hand, State Farm has a few proprietary discounts of their own for things like annual mileage discounts, drive safe & save discounts, farm discounts, and more.

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

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which carrier is the right company for you and your specific needs?

State Farm might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the best rates on liability only coverage.
• You're of retirement age and want to take advantage of lower premiums.

Encompass might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Encompass and State Farm and that you can now make a more informed decision when it comes to your auto 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 a handful of companies, not just Encompass 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.

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Encompass vs. State Farm FAQs

Is Encompass or State Farm cheaper?

State Farm is the less expensive of the two companies when looking at national average prices, with policies averaging $158 a month with State Farm and $466 for Encompass. That being said, that doesn't mean State Farm will be the lowest carrier for everyone, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or State Farm?

Sadly, the real answer is "it depends.". No one company is "better" for every policyholder -- it all depends on what your unique insurance profile looks like.

Why do Encompass and State Farm offer me different rates?

Auto insurance carriers use quite a few different factors when determining the rates they charge. Variables like gender, age, where your home is, your driving record, and sometimes even things like your credit score can all come into play. Both Encompass and State Farm calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Encompass or State Farm at all, but another you hadn't even thought of!

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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.