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

Quick Facts

• In general, Frankenmuth offers significantly more affordable prices than Encompass
• Encompass offers more discounts than Frankenmuth Insurance
• Frankenmuth offers more affordable rates for policyholders who may not have much of a commute

Encompass vs. Frankenmuth: 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 discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Encompass or Frankenmuth, but which one will offer you less expensive premiums?

Looking at nationwide averages, Frankenmuth has average rates that are about 30% per month cheaper than those from Encompass.

Even so, that doesn't mean Frankenmuth will necessarily be more affordable than Encompass for each driver. Auto insurance companies vary their prices depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and a ton of other factors, so rates could vary drastically from person to person.

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

Encompass or Frankenmuth: Average Car Insurance Rates by State

Encompass and Frankenmuth only compete against each other in two states, with Encompass offering less expensive prices to the average driver in all of them. If you live in Michigan, Encompass is the more affordable of the two carriers when looking at the overall average rates. Frankenmuth is the less expensive option in Ohio.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your premiums. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers. Typically, that'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.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $450 less a month by choosing Frankenmuth over Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Frankenmuth's two, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both carriers, you'll see your rates reduce significantly by the time you turn 25. For example, average prices for Encompass policyholders lower over $500 and Frankenmuth's rates decrease nearly $400 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable car insurance prices you'll ever find. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase premiums.

When looking at Encompass and Frankenmuth specifically, which carrier is best for retired drivers? Frankenmuth gets the edge, with rates for drivers 65 and older $120 cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Frankenmuth is the clear winner for those who are single, with prices around $208 per month less expensive than Encompass, on average. The advantage for married drivers with Frankenmuth is also obvious, where drivers save about $70 a month.

Encompass vs. Frankenmuth: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to insurance men will usually end up paying a little more.

On average, men see rates around 5% per month higher with Encompass, and about 2% more with Frankenmuth.

Looking at the data for each company specifically, Frankenmuth offers the cheapest average prices for both men and women, with average premiums 33% less for men and 31% cheaper for women.

Encompass or Frankenmuth: 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 isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Frankenmuth generally offers significantly cheaper rates of $214 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Frankenmuth again has the edge, with policies around $200 a month more affordable than Encompass, on average.

Is Encompass or Frankenmuth Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two carriers offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass policyholders can expect their rates to go up an average of $61 per month if they get a ticket, while Frankenmuth typically raises premiums about $74 a month, on average.

That being said, Frankenmuth is usually the less expensive option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 24% cheaper for drivers with clean records and 14% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with Encompass increasing by over $100. Frankenmuth has a less extreme increase, but you can still expect to pay more than $40 more than you were prior to your first collision.

Overall, drivers who use Frankenmuth end up with the cheaper prices after an accident, with monthly premiums averaging $214 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 accident or ticket when it comes to your insurance bill. For example, Encompass increases average prices by over $500 per month -- that's just under a 80% increase.

Frankenmuth has the overall most affordable rates for drivers with a DUI on their records at $637 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just two for Frankenmuth, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Frankenmuth Rates?

Often times, your credit score can be used as one of the variables to determine your monthly auto insurance premiums. This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it might come into play for several drivers.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Encompass and Frankenmuth, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Frankenmuth. Drivers with "excellent" credit can save over 40% compared to Encompass, and those with "good" scores can also expect to see savings -- around $149 or 38% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Frankenmuth typically offers lower rates than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $188 a month less with Frankenmuth compared to Encompass, and those with "poor" scores normally save an average of around $110 a month.

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

How much you drive can have a big impact on your monthly car insurance payment. Typically, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Frankenmuth charges. However, there's a small difference in monthly prices for Encompass, with policyholders who drive 6,000 miles each year paying about $2 less every month compared to those who drive 12,000 miles yearly. Still, Frankenmuth is the more affordable option for drivers in both categories.

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

Where you live can have a pretty big impact on your monthly auto insurance bill. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

When comparing these two companies side-by-side, Frankenmuth typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but Frankenmuth comes out on top with average premiums around $266 monthly. Frankenmuth also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 29% and 34% per month respective difference when compared to Encompass policyholders in similar areas.

Encompass vs. Frankenmuth Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Below, we've taken a look at all of the different discounts Encompass and Frankenmuth offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Encompass knocks Frankenmuth out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than Frankenmuth.

There are a couple discounts both companies offer, but Encompass also offers ABS discounts, anti-theft discounts, driver training discounts, and more that Frankenmuth does not.

On the flip side, Frankenmuth has a couple unique discounts of its own -- family discounts, life policy discounts, and renewal discounts.

Final Thoughts: Is Encompass or Frankenmuth 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 at the end of the day, which carrier is the best carrier for you and your specific needs?

Frankenmuth might be best for you if....

• You're single and purchasing insurance by yourself.
• You live in an suburban area.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Encompass might be best for you if...

• You're planning on moving to another state soon -- Frankenmuth Insurance is only available in Michigan and Ohio.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Encompass and Frankenmuth. 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 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 Encompass and Frankenmuth. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Encompass vs. Frankenmuth FAQs

Is Encompass or Frankenmuth cheaper?

Looking just at the national average prices, Frankenmuth is the less expensive of the two companies, offering average rates of $318 a month compared to $466 for Encompass. However, Frankenmuth won't necessarily be the most affordable company for each driver, since there are many different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Frankenmuth?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for every driver -- it all depends on what your unique auto insurance profile looks like.

Why do Encompass and Frankenmuth offer me different rates?

Car insurance carriers take a look at a lot of different factors when calculating the premiums they charge drivers. Variables such as gender, your driving record, where you call home, age, and sometimes even things like your credit score can all come into play. Both Encompass and Frankenmuth calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the insurance carrier 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 car insurance companies in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Encompass or Frankenmuth 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.