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

Quick Facts

• In general, Concord Group offers significantly less expensive prices than Encompass
• Concord Group has more affordable rates for policyholders who live in urban areas
• Encompass may help you save more money -- they offer more discounts than Concord Group Insurance

Concord Group or Encompass: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering pretty big savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Concord Group or Encompass, but which one has cheaper premiums for car insurance?

Looking at the national average rates for both carriers, Concord Group is quite a bit cheaper than Encompass, with prices averaging $74 a month compared to $466 with Encompass.

That being said, that doesn't necessarily mean Concord Group will be the less expensive option for every single driver. Insurance companies vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and a variety of other factors. So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

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

Concord Group vs. Encompass: Average Car Insurance Rates by State

Concord Group and Encompass only compete against each other in one states, with Concord Group offering cheaper premiums to the average driver in all of them. New Hampshire has the most noticable difference, where Concord Group rates are $62 more affordable than car insurance prices at Encompass.

But there's more to calculating auto insurance premiums than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group out there on the road. It's generally because 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 that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of over 85% less per month by choosing Concord Group over Encompass.

But both carriers will 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, Concord Group still has the most affordable rates at $74 per month.

Which is the Best Company for Retired Drivers?

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

When looking at Concord Group and Encompass specifically, which carrier is best for retired drivers? Concord Group gets the edge here, with average premiums coming in at around $54 monthly compared to Encompass's $335.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically more expensive for single policyholders than they are for married drivers? That's usually because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Concord Group premiums coming in at about a quarter of Encompass's. The advantage for married couples with Concord Group is also obvious, where drivers save around $250 a month.

Concord Group or Encompass: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for auto insurance than women.

Normally, men see rates about $10 per month higher with Concord Group, and around $23 more with Encompass.

Looking at overall affordability, Concord Group comes out as the most affordable option for both genders, with average prices $398 less for men and $385 cheaper for women.

Concord Group 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.

For most people, insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Concord Group has the significant edge, with average monthly premiums coming in at $47. If you want a full coverage policy with the same state minimum limits, Concord Group again has the edge, with policies averaging about $101 a month to Encompass's $629.

Is Concord Group 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.

Speeding tickets and at-fault collisions will most likely raise your prices, but is Concord Group or Encompass cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Concord Group for their insurance can typically expect their monthly bill to go up around 14% after getting a speeding ticket. Encompass policyholders can expect a bit more drastic of an increase of about 21%.

However, Concord Group has less expensive rates for drivers in both categories, offering premiums that are $172 and $224 more affordable, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Concord Group drivers who get in an accident can expect to see their prices climb by just under 35%, while those who have insurance through Encompass will see around a 30% increase.

At the end of the day, Concord Group offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $82 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

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

How does Credit Score Impact Concord Group and Encompass Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly car insurance premiums. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few policyholders.

The reasoning auto insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

Looking specifically at Concord Group and Encompass, which carrier has the best premiums 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 Concord Group 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 large impact on your monthly insurance payment? Normally, those who drive less will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Concord Group offers more affordable rates than Encompass. Encompass average premiums for drivers with 6,000 annual miles come in about $392 more expensive than Concord Group. Those who drive 12,000 miles each year can expect to pay around $392 more with Encompass over Concord Group.

Concord Group or Encompass: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for auto insurance. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads where they live.

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

For drivers in urban ZIP codes, Concord Group's average rates are about $81 while Encompass offers premiums around $560. People in suburban areas pay a monthly price of about $76 with Concord Group compared to $434 with Encompass. Those in rural areas can expect to pay around $66 a month with Concord Group compared to Encompass's $404.

Concord Group vs. Encompass Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto 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 can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Concord Group and Encompass so that you can see which company can save you the most money each month.

Encompass blows Concord Group away when it comes to the sheer amount of discounts available, offering 13 more discounts than Concord Group.

A couple of those are overlapping for things like ABS discounts, advance quote discounts, and discounts for being a defensive driver. Encompass also offers discounts for distant student, driver training, DRL, and more.

On the other hand, Concord Group has a few proprietary discounts of their own for things like COVID-19 relief discount, life policy discounts, multi-car discounts, and more.

Final Thoughts: Is Concord Group or Encompass Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Concord Group or Encompass the right carrier for you, your vehicle, and your wallet?

Concord Group might be best for you if....

• You've received a ticket for speeding recently and don't want to see your prices rise.
• Your neighborhood is in a city.
• You're of retirement age and want to take advantage of lower premiums.

Encompass might be best for you if...

• You're planning on moving to another state soon -- undefined only offers policies in.
• You want to save extra money with discounts.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Concord Group and Encompass. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Concord Group vs. Encompass FAQs

Is Concord Group or Encompass cheaper?

Concord Group is the less expensive of the two carriers when looking at national average prices, with policies averaging $74 a month with Concord Group and $466 for Encompass. That being said, that doesn't mean Concord Group will be the most affordable company for everyone, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Concord Group or Encompass?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Concord Group and Encompass offer me different rates?

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

How do I know if Concord Group 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 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 area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Concord Group 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.