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

Quick Facts

• In general, Celina Mutual offers significantly cheaper rates than Encompass
• Celina Mutual has more affordable prices for policyholders who live in rural neighborhoods
• Encompass may help you save more money -- they offer more discounts than Celina Mutual Insurance

Celina Mutual or Encompass: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Celina Mutual or Encompass for your next policy, but between the two, which company has less expensive premiums for insurance?

Looking at nationwide averages, Encompass is quite a bit more expensive than Celina Mutual, with rates averaging $466 a month compared to just $272 with Celina Mutual.

However, that doesn't mean Celina Mutual will necessarily be cheaper than Encompass for each driver. Auto insurance carriers use a variety of complex algorithms to determine prices, so depending on how good your credit score is or where you live (among a whole bunch of other factors), you could see wildly different rates from the ones above.

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

Celina Mutual vs. Encompass: Average Car Insurance Rates by State

Celina Mutual and Encompass only compete against each other in Tennessee, where Encompass offers the cheaper average prices. Encompass drivers tend to pay about $22 per month less on average compared to drivers who use Celina Mutual for their insurance.

That being said, there are plenty of other factors that go into your car insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of almost 40% less a month by choosing Celina Mutual over Encompass.

That being said, with both companies, you'll see your prices lower significantly once you turn 25. For example, average premiums for Celina Mutual policyholders drop over 60% and Encompass's rates reduce more than 65% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you can find.

When looking at Celina Mutual and Encompass specifically, which carrier is best for retired drivers? Celina Mutual gets the edge, with prices for drivers 65 and older $167 less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly more affordable auto insurance rates than those who are single. This usually boils down to married drivers having multiple vehicles on their policy -- something many car insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with Celina Mutual premiums coming in at around half of Encompass's. The advantage for married policyholders with Celina Mutual is also obvious, where drivers save about $150 per month.

Celina Mutual or Encompass: Average Rates by Gender

You may not know, but insurance is typically more expensive for men than for women. That's because men are more likely to get speeding tickets and get into collisions, which raises the chances of filing a claim with insurance.

Normally, men see rates nearly 10% a month higher with Celina Mutual, and around 5% more with Encompass.

Looking at the data for each company specifically, Celina Mutual comes out on top for both men and women, with average prices 40% less for men and 43% cheaper for women.

Celina Mutual vs. 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.

Car insurance can be a complicated subject for most people. There are many different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, Celina Mutual has the significant edge, with average monthly premiums coming in at $140. If you want a full coverage policy with the same state minimum limits, Celina Mutual again has the edge, with policies averaging about $403 per month to Encompass's $629.

Is Celina Mutual or Encompass Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Celina Mutual for their insurance can normally expect their monthly bill to go up around 17% after getting a speeding ticket. Encompass policyholders can expect a bit more drastic of an increase of about 21%.

However, Celina Mutual tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are $73 and $103 cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in a collision can expect to see their premiums rise by just under $150, while those who have insurance through Encompass will see around a $100 increase.

At the end of the day, the more affordable rates come from Celina Mutual, with average prices coming in at $285 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 car insurance bill -- usually a lot more than an accident or speeding ticket. Encompass drivers usually see a 78% increase in their insurance premiums after a DUI charge, while Celina Mutual will generally raise rates by about 67%.

How does Credit Score Impact Celina Mutual and Encompass Rates?

Did you know many auto insurance carriers take into account your credit score when determining prices? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for quite a few 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 specifically at Encompass and Celina Mutual, which one has the best prices 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 Celina Mutual 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 auto insurance bill. Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Celina Mutual charges. However, there's a small difference in monthly premiums for Encompass, with policyholders who drive 6,000 miles annually paying around $2 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Celina Mutual is the less expensive company.

Celina Mutual or Encompass: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a big role in how much you pay for insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more cars on the road where they live, which increases the chances of an accident.

Celina Mutual boasts the most affordable average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 37% with Celina Mutual compared to Encompass. People who live in suburban areas pay around 58% less with Celina Mutual compared to Encompass. For drivers in urban ZIP codes, Celina Mutual Insurance's average prices are about 33% less than Encompass Insurance.

Celina Mutual vs. Encompass Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Celina Mutual and Encompass offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Encompass knocks Celina Mutual out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Celina Mutual.

There are a couple discounts both carriers offer, but Encompass also offers discounts for ABS, distant student, DRL, and more.

On the other hand, Celina Mutual has a few proprietary discounts of their own for things like claim free discounts, continuous insurance discounts, empty nester discounts, and more.

Final Thoughts: Is Celina Mutual or Encompass Best for You?

So, you've seen how different variables can affect your insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, is Celina Mutual or Encompass the right carrier for you and your specific profile and needs?

Celina Mutual might be best for you if....

• Your driving record includes a DUI charge.
• You already have a great credit score.
• You want to save money while purchasing auto insurance for a teenager.

Encompass might be best for you if...

• You already have plans to move to another state -- undefined is only available in.
• You're looking for discounts -- Encompass has the most.

Hopefully, this guide helps you get a good idea of the differences between Celina Mutual and Encompass and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Celina Mutual 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 auto insurance carriers in your area, all in just a few minutes.

Celina Mutual vs. Encompass FAQs

Is Celina Mutual or Encompass cheaper?

Celina Mutual is the more affordable of the two companies when looking at national average rates, with policies averaging $272 a month with Celina Mutual and $466 for Encompass. That being said, that doesn't mean Celina Mutual will be the cheapest company for each driver, since there are a bunch of different factors that come into play when it comes to your car insurance cost.

Who is better, Celina Mutual or Encompass?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Celina Mutual and Encompass offer me different rates?

Insurance carriers use a lot of different variables when calculating the prices they charge. Factors like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Celina Mutual and Encompass calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto 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 ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Celina Mutual or Encompass at all, but another you hadn't even thought of!

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.