Allied Property & Casualty vs. Encompass: Which Company is the Best Fit for You?

Quick Facts

• In general, Allied Property & Casualty offers significantly cheaper rates than Encompass
• Allied Property & Casualty offers more affordable prices for policyholders who drive fewer than 12,000 miles annually
• Encompass offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. Encompass: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Allied Property & Casualty or Encompass for your next policy, but which one has more affordable rates for car insurance?

Looking at nationwide averages, Encompass is quite a bit more expensive than Allied Property & Casualty, with prices averaging $466 per month compared to just $118 with Allied Property & Casualty.

Even so, Allied Property & Casualty may not be the cheapest or best option for every driver out there. Insurance companies vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and all sorts of other factors, so prices will vary quite a bit from person to person.

Luckily, we've broken down average rates from both Allied Property & Casualty and Encompass by multiple different rate factors, so read on to find out which carrier is the best for you.

Allied Property & Casualty or Encompass: Average Car Insurance Rates by State

Allied Property & Casualty and Encompass only compete against each other in one states, with Allied Property & Casualty offering less expensive premiums to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty rates are over 70% more affordable than car insurance prices at Encompass.

That being said, there's a lot more that goes into your insurance bill than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing Allied Property & Casualty over Encompass.

That being said, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Allied Property & Casualty policyholders decrease over $100 and Encompass's prices drop about $500 over that time.

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 can find.

So, which company offers the best rates to retired drivers? Allied Property & Casualty gets the edge, with prices for drivers 65 and older nearly 75% less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are generally cheaper for married drivers than they are for single drivers? This usually boils down to married couples having more than one car on their policy -- something several car insurance companies will reward with discounts.

When it comes to relationship status, Allied Property & Casualty is the clear winner for those who are single, with prices around $436 per month more affordable than Encompass, on average. The advantage for married policyholders with Allied Property & Casualty is also obvious, where drivers save more than 70% a month.

Allied Property & Casualty vs. Encompass: Average Rates by Gender

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

On average, women see premiums about $6 per month cheaper with Allied Property & Casualty, and around $23 less with Encompass.

When it comes to the most affordable prices for each gender, Allied Property & Casualty comes out on top for both men and women. On average, male drivers save about $356 a month and women save about $339 with Allied Property & Casualty compared to the average Encompass policyholder.

Allied Property & Casualty 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.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability limits, Allied Property & Casualty usually offers significantly less expensive rates of $69 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $450 per month cheaper than Encompass, on average.

Is Allied Property & Casualty or Encompass 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.

At-fault accidents and tickets will most likely raise your premiums, but is Allied Property & Casualty or Encompass less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their rates to go up an average of $21 a month if they get a ticket, while Encompass typically raises premiums about $61 per month, on average.

However, Allied Property & Casualty is normally the more affordable option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $150 a month and drivers with a ticket can save about $190 per month with Allied Property & Casualty Insurance Company.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in an accident can expect to see their prices increase by over $40, while those who have insurance through Encompass will see around a $100 increase.

Overall, the less expensive premiums come from Allied Property & Casualty, with monthly prices averaging $119 compared to Encompass Insurance's $328.

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 speeding ticket or even a collision. For example, Encompass increases average rates by over $500 a month -- that's just under a 80% increase.

How does Credit Score Impact Allied Property & Casualty and Encompass Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly auto insurance premiums. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many policyholders.

Insurance companies 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.

Looking specifically at Allied Property & Casualty and Encompass, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty 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 your monthly prices. Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a small difference in monthly prices for Encompass, with policyholders who drive 6,000 miles yearly paying about $2 less each month compared to those who drive 12,000 miles every year. Still, Allied Property & Casualty is the more affordable option for drivers in both categories.

Allied Property & Casualty vs. Encompass: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a substantial impact on your monthly auto insurance cost. Typically, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Allied Property & Casualty generally comes out as the lowest 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 $117 monthly with Allied Property & Casualty compared to Encompass's $404. Drivers in suburban ZIP codes pay about $121 with Allied Property & Casualty compared to Encompass's $434 per month. For drivers in urban ZIP codes, Allied Property & Casualty's average premiums are around $117 while Encompass offers prices about $560.

Allied Property & Casualty 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 taking advantage of as many insurance discounts as you can.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've broken down all of the different discounts offered by both Allied Property & Casualty and Encompass so that you can see which carrier can save you the most money each month.

Encompass blows Allied Property & Casualty away when it comes to the sheer amount of discounts available, offering 26 different discounts to Allied Property & Casualty's 16.

Both companies offer a lot of the same discounts -- like discounts for being a defensive driver, EFT discounts, employee discounts, and group discounts -- but Encompass also offers ABS discounts, anti-theft discounts, driver training discounts, and more that Allied Property & Casualty does not.

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- intra-agency transfer discounts, life policy discounts, discounts for insuring multiple cars with the same company, and more.

Final Thoughts: Is Allied Property & Casualty or Encompass 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, at the end of the day, which carrier is the best company for you and your specific profile and needs?

Allied Property & Casualty might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You already have a great credit score.
• You have a short commute.

Encompass might be best for you if...

• You value the experience that comes with a large national insurance company.
• You're looking for discounts -- Encompass has the most.

We hope this guide helps you get a better idea of the difference between Allied Property & Casualty and Encompass. We also hope we've given you the information you need to make the best 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 insurance policy is to compare quotes from several companies, not just Allied Property & Casualty and Encompass. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. Encompass FAQs

Is Allied Property & Casualty or Encompass cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the cheaper of the two companies, offering average rates of $118 per month compared to $466 for Encompass. Even so, Allied Property & Casualty won't necessarily be the most affordable carrier for everyone, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Encompass?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Allied Property & Casualty and Encompass offer me different rates?

Car insurance carriers take a look at quite a few different factors when calculating the rates they charge policyholders. Things like age, gender, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Encompass use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Allied Property & Casualty or Encompass is right for me?

The only way to find the auto insurance company 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Allied Property & Casualty 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.