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

Quick Facts

• In general, Allstate offers significantly less expensive rates than Encompass
• Allstate offers cheaper average premiums for policyholders who drive fewer than 12,000 miles each year
• Allstate tends to be a much more affordable option for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Allstate or Encompass, but which company will save you the most?

Looking at the national average rates for both companies, Encompass has average rates that are about 55% per month more expensive than those from Allstate.

However, that doesn't necessarily mean Allstate will be the less expensive option for every single driver. Auto insurance carriers use tons of complex algorithms to calculate prices, so depending on how good your credit score is or how clean your driving record is (among quite a few other factors), you could see wildly different premiums from the ones above.

Wanting to know if Allstate or Encompass is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Allstate or Encompass: Average Car Insurance Rates by State

Allstate and Encompass compete against each other in 27 states, with Allstate offering more affordable prices to the average driver in all but one of them. If you live in Indiana, Encompass is the cheaper of the two companies when looking at the overall average rates, but Allstate is the cheaper option in most of the others.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. That's typically 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 that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Allstate save more than $500 a month compared to those who use Encompass.

That being said, with both companies, you'll see your prices decrease significantly by the time drivers turn 25. For example, average rates for Allstate policyholders reduce nearly $300 and Encompass's premiums drop over $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 cheapest prices out there.

But who has the best rates for retired drivers between Allstate and Encompass? Allstate gets the edge here, with average premiums coming in at around $152 monthly compared to Encompass's $335.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for those who are single than they are for married drivers. That's because policies for married couples normally cover several cars, which a lot of carriers will offer you a discount for.

When it comes to relationship status, Allstate is the clear winner for single drivers, with rates about $341 per month less expensive than Encompass, on average. The advantage is also clear for married policyholders - Allstate offers the lowest average prices.

Allstate vs. Encompass: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll generally end up paying more for car insurance than women.

With Allstate, women usually pay around 4% a month less than men, and about 5% less with Encompass.

Looking at overall affordability, Allstate comes out on top for both men and women, with average premiums 57% less for men and 57% cheaper for women.

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

Even so, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability insurance, Allstate typically offers significantly cheaper rates of $108 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies around $350 per month more affordable than Encompass, on average.

Is Allstate 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two companies offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 a month if they get a ticket, while Encompass usually raises premiums about $61 per month, on average.

But Allstate tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering rates that are 31% and 36% cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their prices increase by over 30%, while those who have insurance through Encompass will see around a 30% increase.

Overall, Allstate offers the lowest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $229 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 auto insurance bill -- generally a lot more than a collision or ticket. On average, Encompass will climb your prices about 78% after a DUI, while Allstate's average premiums rise by over 30%.

If you have a DUI on your record and are looking for more affordable prices, Allstate tends to be the much more affordable option with average rates of $227 a month compared to 1020 from Encompass.

How does Credit Score Impact Allstate and Encompass Rates?

Did you know that many insurance carriers take into account your credit score 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 several policyholders.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive premiums.

Looking at Allstate and Encompass specifically, which carrier has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Allstate. Drivers with "excellent" credit can save just under 60% compared to Encompass, and those with "good" scores can also expect to see savings -- around $224 or 57% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower prices than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $267 a month less with Allstate compared to Encompass, and those with "poor" scores normally save an average of around $372 per month.

Is Allstate or Encompass 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 your monthly auto insurance cost? That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Allstate offers more affordable rates than Encompass. Encompass's average premiums for drivers with 6,000 annual miles come in nearly 60% more expensive than Allstate. Those who drive 12,000 miles annually can expect to pay more than 55% more with Encompass over Allstate.

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

Where you call home can have a pretty big impact on your monthly insurance payment. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

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

For policyholders in urban ZIP codes, Allstate offers prices about $222 monthly compared to Encompass's $560. People who live in suburban ZIP codes can expect to pay around $199 per month for Allstate and $434 for Encompass. Lastly, those in rural areas tend to get the lowest premiums from both companies, with average monthly rates coming in at $174 and $404 for Allstate and Encompass respectively.

Allstate vs. Encompass Discounts

Regardless of why you might be in the market for a new 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 auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Below, we've compared all of the different discounts offered by Allstate and Encompass so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate blows Encompass away when it comes to the sheer amount of discounts available, offering 40 different discounts to Encompass's 26.

Both carriers offer quite a few of the same discounts -- like advance quote discounts, discounts for being a defensive driver, distant student discounts, and EFT discounts -- but Allstate also offers agency transfer discounts, alert driving discounts, annual mileage discounts, and more that Encompass does not.

On the flip side, Encompass has a couple unique discounts of its own -- employee discounts, fire/fisher discounts, gated community discounts, and more.

Final Thoughts: Is Allstate or Encompass Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which insurance company is the best one for you and your specific needs?

Allstate might be best for you if....

• You've been pulled over for speeding recently.
• You want to save extra money with discounts.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Encompass 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 better idea of the difference between Allstate and Encompass 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 multiple carriers, not just Allstate and Encompass. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Allstate vs. Encompass FAQs

Is Allstate or Encompass cheaper?

Looking just at the national average rates, Allstate is the less expensive of the two carriers, offering average rates of $199 a month compared to $466 for Encompass. However, Allstate won't necessarily be the cheapest carrier for everyone, since there are a bunch of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Encompass?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for each driver -- it all boils down to your unique insurance profile.

Why do Allstate and Encompass offer me different rates?

Auto insurance companies take a look at many different factors when determining the premiums they charge drivers. Variables such as your driving record, gender, age, where your home is, and sometimes even things like your credit score can all come into play. Both Allstate and Encompass calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several 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. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Allstate 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.