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

Quick Facts

• Looking at the national averages for insurance, Accc offers significantly less expensive rates than Encompass
• Accc offers more affordable average prices for people who are single and purchasing car insurance by yourself
• Encompass offers more discounts than ACCC Insurance Company

Accc vs. Encompass: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Accc or Encompass, but between the two, which carrier will save you the most?

Looking at nationwide averages, Accc is quite a bit cheaper than Encompass, with premiums averaging $149 per month compared to $466 with Encompass.

However, Accc may not be the most affordable or best option for each driver out there. Insurance companies use a ton of complex algorithms to calculate prices, so depending on where you live or how old you are (among an array of other factors), you could see wildly different rates from the ones above.

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

Accc or Encompass: Average Car Insurance Rates by State

Accc and Encompass only compete against each other in three states, with Accc offering cheaper prices to the average driver in all of them. Utah has the most noticable difference, where Accc rates are over 70% more affordable than auto insurance premiums at Encompass.

That being said, there are plenty of other factors that go into your insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Accc save more than $500 a month compared to those who use Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Accc's three, which can skew the average rates a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your prices reduce significantly by the time you turn 25. For example, average premiums for Accc policyholders drop over 45% and Encompass's rates decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase rates.

When looking at Accc and Encompass specifically, which carrier is best for retired drivers? Accc gets the edge, with prices for drivers 65 and older $223 cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for those who are single than they are for married couples. That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Accc is the clear winner for single drivers, with prices about $405 per month less expensive than Encompass, on average. The advantage for married policyholders with Accc is also obvious, where drivers save over 60% a month.

Accc vs. Encompass: Average Rates by Gender

Because men are more likely to get tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

On average, men see premiums around $3 per month higher with Accc, and about $23 more with Encompass.

Looking at the data for each company specifically, Accc offers the lowest average rates for both men and women, with average premiums $327 less for men and $307 cheaper for women.

Accc or Encompass: 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.

Auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability insurance, Accc usually offers significantly more affordable rates of $95 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Accc again has the edge, with policies around $450 a month less expensive than Encompass, on average.

Is Accc or Encompass Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault collisions and tickets lead to higher prices, but which carrier -- Accc or Encompass -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Accc policyholders can expect their prices to go up an average of $22 per month if they get a ticket, while Encompass normally raises rates about $61 a month, on average.

However, Accc tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 44% and 49% cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Accc drivers who get in a collision can expect to see their rates rise by $55, while those who have insurance through Encompass will see around a $100 increase.

Overall, drivers who use Accc end up with the cheaper prices after an accident, with monthly prices averaging $181 compared to Encompass Insurance's $328.

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 ticket when it comes to your car insurance bill. For example, Encompass increases average premiums by over $500 per month -- that's just under a 80% increase.

Accc has the overall most affordable prices for drivers with a DUI on their records at $140 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just three for Accc, so the data may be skewed slightly.

How does Credit Score Impact Accc and Encompass Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly auto insurance rates. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect lots of policyholders out there.

Car 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 premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Accc. Drivers with "excellent" credit can save nearly 70% compared to Encompass, and those with "good" scores can also expect to see savings -- about $271 or 68% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Accc typically offers lower prices than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $317 a month less with Accc compared to Encompass, and those with "poor" scores generally save an average of about $436 monthly.

Is Accc or Encompass Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Normally, 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 Accc charges. However, there's a small difference in monthly rates for Encompass, with policyholders who drive 6,000 miles every year paying around $2 less each month compared to those who drive 12,000 miles annually. Still, Accc is the cheaper option for drivers in both categories.

Accc vs. Encompass: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for auto insurance. 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.

Accc boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest premiums from both carriers, but Accc comes out on top with average rates about $130 per month. Accc also has less expensive average prices for drivers in urban and suburban ZIP codes -- a 69% and 67% per month respective difference when compared to Encompass policyholders in similar areas.

Accc vs. Encompass 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 utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both Accc and Encompass so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Encompass blows Accc away when it comes to the sheer amount of discounts available, offering 26 different discounts to Accc's 11.

Both companies offer a lot of the same discounts -- like anti-theft discounts, discounts for being a good driver, and paid in full discounts -- but Encompass also offers ABS discounts, advance quote discounts, defensive driver discounts, and more that Accc does not.

On the flip side, Accc has a couple unique discounts of its own -- claim free discounts, diminution of value discounts, liability only discounts, and more.

Final Thoughts: Is Accc or Encompass Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, is Accc or Encompass the right one for you, your vehicle, and your wallet?

Accc might be best for you if....

• You have a clean record.
• Your neighborhood is in the suburbs.
• You and your spouse are buying car insurance together.

Encompass might be best for you if...

• You're thinking about moving to another state -- ACCC Insurance Company is only available in three states.
• You care about discounts (Encompass offers the most).

We hope this guide helps you get a good idea of the differences between Accc and Encompass and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Accc and Encompass. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Accc vs. Encompass FAQs

Is Accc or Encompass cheaper?

Looking just at the national average rates, Accc is the more affordable of the two companies, offering average rates of $149 a month compared to $466 for Encompass. Even so, Accc won't necessarily be the lowest company for everyone, since there are a range of different factors that are considered when it comes to your auto insurance bill.

Who is better, Accc or Encompass?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Accc and Encompass offer me different rates?

Insurance carriers take a look at many different variables when calculating the prices they charge drivers. Factors such as age, where you park your vehicle, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Accc and Encompass calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Accc or Encompass 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.