American Access Casualty Company vs. Encompass: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, American Access Casualty Company offers significantly less expensive prices than Encompass
• American Access Casualty Company tends to be a much cheaper option for couples purchasing auto insurance together
• Encompass offers more affordable rates for drivers who have an at-fault accident on their record

American Access Casualty Company vs. Encompass: Which Company has the Cheapest Car Insurance?

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

You might have narrowed your search down to American Access Casualty Company or Encompass as potential options, but which one will offer you more affordable prices?

Looking at nationwide averages, American Access Casualty Company has average rates that are about 40% per month cheaper than those from Encompass.

However, American Access Casualty Company may not be the most affordable or best option for every single driver out there. Insurance companies use a variety of complex algorithms to calculate rates, so depending on how good your credit score is or how clean your driving record is (among a range of other factors), you could see wildly different premiums from the ones above.

Wanting to know if American Access Casualty Company 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.

American Access Casualty Company or Encompass: Average Car Insurance Rates by State

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That being said, there are plenty of other factors that go into your auto insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers. Normally, 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 that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of more than $400 less a month by choosing American Access Casualty Company over Encompass.

That being said, both carriers will offer you dramatically lower rates by the time drivers turn 25. Encompass offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, American Access Casualty Company still has the lowest premiums at $227 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

When looking at American Access Casualty Company and Encompass specifically, which company is best for retired drivers? American Access Casualty Company gets the edge, with premiums for drivers 65 and older over 40% more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be less expensive for married couples than they are for single policyholders. That's because policies for married policyholders usually cover more than one car, which quite a few companies will offer you a discount for.

When it comes to relationship status, American Access Casualty Company is the clear winner for those who are single, with rates around $229 per month more affordable than Encompass, on average. The advantage for married drivers with American Access Casualty Company is also obvious, where drivers save nearly 40% a month.

American Access Casualty Company vs. Encompass: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll typically end up paying more for car insurance than women.

On average, men see prices almost 10% per month higher with American Access Casualty Company, and about 5% more with Encompass.

Looking at the data for each carrier specifically, American Access Casualty Company offers the most affordable average premiums for both men and women. On average, male drivers save about $184 a month and women save around $189 with American Access Casualty Company compared to the average Encompass policyholder.

American Access Casualty Company 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.

For most people, auto insurance isn't the easiest topic to understand. There are so many different terms and limits 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 passengers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, American Access Casualty Company usually offers significantly less expensive rates of $199 compared to Encompass's $302. When it comes to full coverage policies with similar limits, American Access Casualty Company again has the edge, with policies about $250 per month cheaper than Encompass, on average.

Is American Access Casualty Company or Encompass Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault collisions and tickets lead to higher rates, but which company -- American Access Casualty Company or Encompass -- has the cheapest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their prices to go up an average of $23 a month if they get a ticket, while Encompass typically raises rates around $61 per month, on average.

If you have a clean record, Encompass tends to offer the best premiums at about 4% more affordable, while American Access Casualty Company has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company drivers who get in a collision can expect to see their prices increase by $95, while those who have insurance through Encompass will see around a $100 increase.

Overall, drivers who use Encompass end up with the cheaper prices after an accident, with monthly premiums averaging $328 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. On average, Encompass will raise your rates about 78% after a DUI, while American Access Casualty Company's average premiums rise by just under 20%.

How does Credit Score Impact American Access Casualty Company and Encompass Rates?

Did you know that many insurance companies take your credit score into account when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for lots of policyholders.

Car 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 at American Access Casualty Company and Encompass specifically, which carrier 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 American Access Casualty Company 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 auto insurance carriers will charge for coverage. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Access Casualty Company charges. However, there's a small difference in monthly premiums for Encompass, with policyholders who drive the least paying around $2 less each month compared to those who drive 12,000 miles yearly. Still, American Access Casualty Company is the cheaper option for drivers in both categories.

American Access Casualty Company vs. Encompass: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for car insurance. Generally, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the road in those areas, which reduces the chances of an accident.

American Access Casualty Company boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about 30% with American Access Casualty Company compared to Encompass. Drivers in suburban ZIP codes pay around 67% less with American Access Casualty Company compared to Encompass. In urban areas, American Access Casualty Company's average prices are about 27% less than Encompass Insurance.

American Access Casualty Company vs. Encompass Discounts

You want to save as much money as possible, right? 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 what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

In the section below, we've broken down all of the different discounts offered by both American Access Casualty Company 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.

Encompass blows American Access Casualty Company away when it comes to the sheer amount of discounts available, offering 26 different discounts to American Access Casualty Company's six.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and passive restraint discounts -- but Encompass also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a couple unique discounts of its own -- discounts for insuring multiple cars with the same company, prior insurance discounts, and renewal discounts.

Final Thoughts: Is American Access Casualty Company or Encompass Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance company is the best fit for you?

American Access Casualty Company might be best for you if....

• You're single and purchasing insurance by yourself.
• You want basic car insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Encompass might be best for you if...

• You already have plans to move to another state -- undefined only offers policies in.
• You want to save money on your auto insurance after a collision.
• You're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare American Access Casualty Company and Encompass. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from multiple companies, not just American Access Casualty Company and Encompass. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

American Access Casualty Company vs. Encompass FAQs

Is American Access Casualty Company or Encompass cheaper?

Looking just at the national average rates, American Access Casualty Company is the less expensive of the two companies, offering average rates of $279 a month compared to $466 for Encompass. Even so, American Access Casualty Company won't necessarily be the cheapest company for every policyholder, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Encompass?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Encompass offers more affordable premiums for policyholders with an at-fault accident on their record, while American Access Casualty Company is less expensive for drivers who have less-than-stellar credit scores.

Why do American Access Casualty Company and Encompass offer me different rates?

Insurance carriers take a look at a lot of different factors when determining the rates they charge drivers. Variables like gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both American Access Casualty Company and Encompass calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if American Access Casualty Company 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 a handful of 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 area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be American Access Casualty Company 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.