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

Quick Facts

• Based on national averages for car insurance, Cumberland Mutual offers significantly less expensive premiums than Encompass
• Cumberland Mutual has more affordable rates for policyholders who live in rural neighborhoods
• Encompass may help you save more money -- they offer more discounts than Cumberland Mutual

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might be considering Cumberland Mutual or Encompass as your top options, but between the two, which one will offer you cheaper premiums?

As you can see, Cumberland Mutual is quite a bit cheaper than Encompass, with prices averaging $193 a month compared to $466 with Encompass when looking at the national average rates for auto insurance.

However, that doesn't necessarily mean Cumberland Mutual will be the more affordable option for every single driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

Wanting to know if Cumberland Mutual or Encompass is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

Cumberland Mutual and Encompass only compete against each other in two states, with Encompass offering less expensive rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual premiums are $393 cheaper than car insurance prices at Encompass.

There are plenty of other factors that go into your insurance payment than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Cumberland Mutual for their insurance pay over 60% less than those who use Encompass.

But with both companies, you'll see your premiums drop significantly 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, Cumberland Mutual still has the most affordable rates at $196 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise premiums.

So, which company offers the best rates to retired drivers? Cumberland Mutual gets the edge, with prices for drivers 65 and older almost 65% less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically more expensive for single policyholders than they are for married policyholders? That's because policies for married couples generally cover several vehicles, which quite a few carriers will give you a discount for.

For single drivers, the difference in average rates between these two companies is significant, with Cumberland Mutual prices coming in at around a third of Encompass's. The advantage for married drivers with Cumberland Mutual is also obvious, where drivers save about $200 per month.

Cumberland Mutual or Encompass: Average Rates by Gender

Did you know women typically pay less for insurance than men? That's because men are more likely to get into collisions and get speeding tickets, which increases the chances of filing a claim with insurance.

Women normally pay nearly $10 a month less than men with Cumberland Mutual, and around $23 less with Encompass.

Looking at overall affordability, Cumberland Mutual comes out on top for both men and women, with average premiums $280 less for men and $266 cheaper for women.

Cumberland 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.

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

That being said, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability limits, Cumberland Mutual has the significant edge, with average monthly rates coming in at $106. If you want a full coverage policy with the same state minimum limits, Cumberland Mutual again has the edge, with policies averaging about $280 per month to Encompass's $629.

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

You've probably seen plenty of commercials from insurance carriers offering great premiums 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 speeding tickets and accidents lead to higher rates, but which carrier -- Cumberland Mutual or Encompass -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cumberland Mutual for their auto insurance can usually expect their monthly bill to go up around 10% after getting a speeding ticket. Encompass policyholders can expect a bit more drastic of an increase of about 21%.

Even so, Cumberland Mutual has cheaper rates for drivers in both categories. With Cumberland Mutual, drivers with a clean record can save around $58 a month and drivers with a ticket can save about $101 per month.

Which Company is Best for Drivers After an Accident?

Cumberland Mutual drivers who get in an accident can expect to see their prices climb by just under $15, while those who have insurance through Encompass will see around a $100 increase.

At the end of the day, the more affordable premiums come from Cumberland Mutual, with average rates coming in at $183 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 -- generally a lot more than a collision or speeding ticket. Encompass drivers usually see a 78% climb in their insurance premiums after a DUI charge, while Cumberland Mutual will typically raise prices by about 27%.

How does Credit Score Impact Cumberland Mutual and Encompass Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly auto insurance premiums. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it might come into play for several 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 prices.

Looking at Cumberland Mutual 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 Cumberland Mutual or Encompass Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on how much auto insurance carriers will charge for coverage. Normally, the more milage you put on your car, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Cumberland Mutual offers more affordable prices than Encompass. Encompass's average premiums for drivers with 6,000 annual miles come in more than $250 more expensive than Cumberland Mutual. Those who drive 12,000 miles yearly can expect to pay over $250 more with Encompass over Cumberland Mutual.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a sizable impact as well. 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.

Cumberland Mutual boasts the most affordable average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Cumberland Mutual's average rates are around $330 a month compared to Encompass's $560. Drivers in suburban ZIP codes pay about $132 with Cumberland Mutual compared to Encompass's $434 a month. If you live in a rural area, you can expect to pay around $116 per month with Cumberland Mutual compared to Encompass's $404.

Cumberland 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 with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Cumberland Mutual and Encompass so that you can find the company that has the most discounts and, therefore, the largest savings.

Encompass knocks Cumberland Mutual out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Cumberland Mutual.

Both companies offer several of the same discounts -- like anti-theft discounts, distant student discounts, discounts for getting driver training, and discounts for being a good student -- but Encompass also offers discounts for advance quote, DRL, EFT, and more.

On the other hand, Cumberland Mutual has a few proprietary discounts of their own for things like new business discounts, renewal discounts, and senior mileage discounts.

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

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which insurance carrier is the right fit for you?

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

• You will be the only person on the auto insurance policy.
• You're looking for the best rates on liability only coverage.
• You don't spend much time in your car.

Encompass might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies in.
• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Cumberland Mutual and Encompass and that you can now make a more informed 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 auto insurance -- comparing quotes from a handful of companies, not just Cumberland Mutual and Encompass. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Cumberland Mutual vs. Encompass FAQs

Is Cumberland Mutual or Encompass cheaper?

Cumberland Mutual is the cheaper of the two companies when looking at national average premiums, with policies averaging $193 per month with Cumberland Mutual and $466 for Encompass. However, that doesn't mean Cumberland Mutual will be the cheapest carrier for every policyholder, since there are a bunch of different variables that are considered when it comes to your auto insurance cost.

Who is better, Cumberland Mutual or Encompass?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for each policyholder -- it all depends on what your unique insurance profile looks like.

Why do Cumberland Mutual and Encompass offer me different rates?

Car insurance carriers use lots of different factors when determining the prices they charge. Things like age, your driving record, gender, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Cumberland Mutual and Encompass use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from several 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 quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Cumberland 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.