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

Quick Facts

• Based on national averages for auto insurance, Cig offers significantly less expensive prices than Encompass
• Cig tends to be a much more affordable option for policyholders who may not have much of a commute
• Encompass offers more discounts than CIG Insurance

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Cig or Encompass as potential options, but which company will offer you cheaper rates?

As you can see, Cig has average rates that are about 75% per month more affordable than those from Encompass when looking at the national average rates for insurance.

But Cig may not be the most affordable or best option for every single driver out there. Auto insurance companies vary their prices depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a ton of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Cig or Encompass is really the best for you, keep reading to see average prices for each carrier broken down by a range of different rate factors.

Cig or Encompass: Average Car Insurance Rates by State

Cig and Encompass only compete against each other in three states, with Cig offering less expensive rates to the average driver in all of them. Washington has the most noticable difference, where Cig premiums are over 70% cheaper than car insurance prices at Encompass.

There's a lot more that goes into your auto insurance bill 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 insurance premiums of any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Cig save more than $500 a month compared to those who use Encompass.

However, both carriers will offer you dramatically lower premiums once you turn 25. Encompass offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Cig still has the cheapest prices at $119 a month.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Cig gets the edge, with rates 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 car insurance prices are generally more affordable for married drivers than they are for single drivers? This usually boils down to married couples having multiple cars on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, Cig is the clear winner for single policyholders, with rates around $433 per month cheaper than Encompass, on average. The advantage for married policyholders with Cig is also obvious, where drivers save over 70% a month.

Cig vs. Encompass: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get speeding tickets, which means they'll usually end up paying more for car insurance than women.

Normally, men see premiums about 3% per month higher with Cig, while with Encompass, the difference is closer to 5% a month.

When it comes to the most affordable prices for each gender, Cig comes out on top for both men and women. On average, women save about $337 per month and men save around $356 with Cig compared to the average Encompass policyholder.

Cig 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 can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Cig normally offers significantly less expensive rates of $71 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $450 a month cheaper than Encompass, on average.

Is Cig 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.

It's no secret secret that accidents and tickets lead to higher premiums, but which carrier -- Cig or Encompass -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their prices to go up an average of $24 per month if they get a ticket, while Encompass generally raises premiums around $61 a month, on average.

However, Cig is typically the more affordable option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 61% less expensive for drivers with clean records and 61% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Cig can expect to see about an $30 -- or around 25% -- increase in their car insurance prices. Drivers who use Encompass for their insurance will see a monthly bill about $101 (or 31%) more expensive after reporting a collision to their auto insurance company.

Overall, Cig offers the cheapest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $118 compared to Encompass Insurance's $328.

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 insurance bill. On average, Encompass will climb your rates around 78% after a DUI, while Cig's average prices climb by just under 45%.

How does Credit Score Impact Cig and Encompass Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for lots of drivers.

Car insurance carriers 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, policyholders with good credit will often be rewarded with more affordable premiums.

So, which carrier offers the lowest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a large impact on your monthly auto insurance cost. Normally, those who drive less will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

Cig tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Cig average prices for drivers with 6,000 annual miles come in over $350 more affordable than Encompass. Those who drive 12,000 miles annually can expect to pay just under $350 less with Cig over Encompass.

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

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

Cig tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Cig offers prices about $128 monthly compared to Encompass's $560. People who live in suburban ZIP codes can expect to pay around $123 per month for Cig and $434 for Encompass. Lastly, those in rural areas tend to get the most affordable rates from both companies, with average monthly premiums coming in at $106 and $404 for Cig and Encompass respectively.

Cig vs. Encompass Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by Cig and Encompass so that you can find the one that has the most discounts and, therefore, the biggest savings.

Overall, Encompass has a slight advantage when it comes to total number of discounts. Cig offers a grand total of 25 discounts, while Encompass has 26.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, distant student discounts, and good payer discounts. Encompass also offers driver training discounts, DRL discounts, EFT discounts, and more that Cig does not.

On the flip side, Cig has a couple unique discounts of its own -- company car discounts, inside storage discounts, life policy discounts, and more.

Final Thoughts: Is Cig 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 when it comes down to it, which insurance company is the right carrier for you and your specific driver profile?

Cig might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• Your credit score is high.
• You live in a rural area.

Encompass might be best for you if...

• You already have plans to move to another state -- undefined only offers policies in.
• You care about discounts (Encompass offers the most).

We hope this guide helps you get a better idea of the difference between Cig and Encompass. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Cig and Encompass. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Cig vs. Encompass FAQs

Is Cig or Encompass cheaper?

Looking just at the national average prices, Cig is the less expensive of the two companies, offering average rates of $119 a month compared to $466 for Encompass. But Cig won't necessarily be the lowest carrier for everyone, since there are a bunch of different variables that are considered when it comes to your auto insurance bill.

Who is better, Cig or Encompass?

Unfortunately, the only answer we can give you is "it depends.". Neither company is necessarily "better" for each driver -- it all depends on what your unique insurance profile looks like.

Why do Cig and Encompass offer me different rates?

Car insurance carriers take a look at several different factors when calculating the premiums they charge drivers. Variables like age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be used. Both Cig and Encompass calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Cig 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, Compare.com does all the hard work for you. Just enter your area information 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 most affordable price. And who knows, the best carrier for you might not be Cig 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.