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

Wondering if Bristol West or Encompass is the best car insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • Looking at the national averages for insurance, Bristol West offers less expensive rates than Encompass
  • Bristol West offers cheaper average prices for policyholders who may not have much of a commute
  • Encompass has more affordable premiums for drivers who have an at-fault accident on their record


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

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

You might have narrowed your search down to Bristol West or Encompass as your top options, but which carrier will offer you less expensive prices?

Bristol West Encompass
$412$466

Looking at nationwide averages, Encompass is about $54 more per month than Bristol West.

But that doesn't necessarily mean Bristol West will be the more affordable option for each driver. Car insurance companies use a ton of complex algorithms to calculate rates, so depending on how clean your driving record is or where you live (among an array of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Bristol West and Encompass by many different rate factors, so read on to find out which carrier is the best for you.

Bristol West or Encompass: Average Car Insurance Rates by State

State Bristol West Encompass
MI$650$490
NV$567$603
SC$255$365

Bristol West and Encompass only compete against each other in three states, with Encompass offering cheaper rates to the average driver in all of them. South Carolina has the most noticable difference, where Bristol West premiums are over 40% more affordable than auto insurance prices at Encompass.

But there's more to calculating insurance rates than just the state you live in. Read on to learn more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

Bristol West Encompass
18-year-old drivers$7851144
25-year-old drivers$357$373

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. It's because 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.

That being said, 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 $350 less a month by choosing Bristol West over Encompass.

However, both carriers will reduce premiums by the time you turn 25. For example, average prices for Bristol West policyholders decrease nearly $450 and Encompass's rates drop over $500 over that time.

Which is the Best Company for Retired Drivers?

Bristol West Encompass
65+-year-old drivers$364$335

Once you approach retirement age, you'll typically enjoy the lowest auto insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

So, which company offers the best rates to retired drivers? Encompass gets the slight edge, with prices for drivers 65 and older $29 less expensive than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Bristol West Encompass
Single$467$572
Married$338$324

Married policyholders tend to get slightly cheaper auto insurance rates than single drivers. That's normally because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Bristol West is the clear winner for those who are single, with premiums around $105 per month more affordable than Encompass, on average. But for married drivers, that advantage is much less clear - Encompass offers the most affordable average prices.

Bristol West vs. Encompass: Average Rates by Gender

Bristol West Encompass
Male$411$477
Female$412$454

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

Surprisingly, men typically pay about $1 a month less than women with Bristol West, and around $23 more with Encompass.

Looking at the data for each carrier specifically, Bristol West offers the cheapest average premiums for both men and women, with average rates 14% less for men and 9% cheaper for women.


Find your best rate in just a few minutes


Bristol West or Encompass: Compare State Minimum vs. Full Coverage Rates

Bristol West Encompass
State Minimum*$279$302
Full Coverage**$544$629

*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 limits and coverages 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 property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Bristol West generally offers slightly cheaper premiums of $279 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Bristol West again has the edge, with policies about $85 per month less expensive than Encompass, on average.

Is Bristol West 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.

Tickets and at-fault accidents will most likely raise your prices, but is Bristol West or Encompass cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Encompass
Clean Record$339$227
1 Speeding Ticket$439$288

Bristol West policyholders can expect their rates to go up an average of $100 a month if they get a ticket, while Encompass normally raises premiums around $61 per month, on average.

Even so, Encompass is usually the more affordable option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 33% less expensive for drivers with clean records and 34% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Bristol West Encompass
Clean Record$339$227
1 At-Fault Accident$479$328

Both companies will increase rates pretty significantly if you get into an at-fault collision with Bristol West climbing by just under $150. Encompass has a less extreme raise, but you can still expect to pay over $100 more than you were prior to your first accident.

Overall, Encompass offers the most affordable prices for drivers with an at-fault collision on their records, with monthly rates averaging $328 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Encompass
Clean Record$339$227
1 DUI$3901020

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Encompass increases average premiums by more than $500 a month -- that's just under a 80% increase.


Find your best rate in just a few minutes


How does Credit Score Impact Bristol West and Encompass Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance prices. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few drivers.

The reasoning auto insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will generally be forced to pay more.

So, which company offers the lowest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Bristol West Encompass
Excellent Credit Score$342$350
Good Credit Score$380$396

Which Company is Best for Drivers with Bad Credit?

Bristol West Encompass
Fair Credit Score$413$470
Poor Credit Score$556$647

Find your best rate in just a few minutes


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

Bristol West Encompass
6,000 Annual Miles$410$465
12,000 Annual Miles$413$467

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, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Bristol West tends to be the more affordable option. Encompass's average prices for drivers with 6,000 annual miles come in about 12% more expensive than Bristol West. Those who drive 12,000 miles each year can expect to pay around 12% more with Encompass over Bristol West.

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

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

Bristol West Encompass
Urban Areas$539$560
Suburban Areas$386$434
Rural Areas$309$404

Bristol West boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both carriers, but Bristol West comes out on top with average rates about $309 monthly. Bristol West also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a 4% and 11% per month respective difference when compared to Encompass drivers in similar areas.

Bristol West 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.

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

In the table below, we've broken down all of the different discounts offered by both Bristol West and Encompass so that you can find the one that has the most discounts and, therefore, the biggest savings.

Bristol West Encompass
ABS Discount
Advance Quote Discount
Anti-Theft Discount
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
DRL Discount 
EFT Discount
Employee Discount 
Fire/Fisher Discount 
Gated Community Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount 
Group Discount 
Homeowner Discount
Military Discount 
Minor Child Discount 
Mobile Home Policy Discount 

Encompass blows Bristol West away when it comes to the sheer amount of discounts available, offering eight more discounts than Bristol West.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, distant student discounts, and discounts for being a homeowner. Encompass also offers driver training discounts, DRL discounts, employee discounts, and more that Bristol West does not.

On the flip side, Bristol West has a couple unique discounts of its own -- continuous insurance discounts, minor child discounts, mobile home policy discounts, and more.


Find your best rate in just a few minutes


Final Thoughts: Is Bristol West or Encompass Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right company for you and your specific profile and needs?

Bristol West might be best for you if....

  • You already have a great credit score.
  • You live in an suburban area.
  • You have a short drive to work everyday.


Encompass might be best for you if...

  • You have a clean driving record, free of collisions, tickets, or DUIs.
  • You have received a ticket within the last few years.
  • You are over 65 years old and want to save some money on your car insurance.

We hope this guide has ben a valuable resource as you compare Bristol West and Encompass. We also hope we've given you the information you need to make the best decision about 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 Bristol West and Encompass. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.


Find your best rate in just a few minutes


Bristol West vs. Encompass FAQs

Is Bristol West or Encompass cheaper?

Looking just at the national average prices, Bristol West is the more affordable of the two companies, offering average rates of $412 a month compared to $466 for Encompass. That being said, Bristol West won't necessarily be the lowest carrier for everyone, since there are a variety of different factors that are considered when it comes to your auto insurance payment.

Who is better, Bristol West or Encompass?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Encompass offers cheaper rates for policyholders with an at-fault accident on their record, while Bristol West is more affordable for drivers who have less-than-stellar credit scores.

Why do Bristol West and Encompass offer me different rates?

Car insurance carriers take a look at several different variables when calculating the prices they charge drivers. Things like where you call home, where you live, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Bristol West and Encompass calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the 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, Compare.com does all the hard work for you. Just enter your information once 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 best price. And who knows, the best carrier for you might not be Bristol West 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes