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

Quick Facts

• In general, Encompass offers less expensive premiums than Fremont
• Encompass offers more affordable rates for people who are single and purchasing auto insurance by yourself
• Fremont has cheaper prices for drivers who have an at-fault accident on their record

Encompass vs. Fremont: 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 discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Encompass or Fremont as your top options, but which one will save you the most?

Looking at the national average rates for both companies, Encompass has average rates that are about 17% per month more affordable than those from Fremont.

Even so, that doesn't necessarily mean Encompass will be the less expensive option for every driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so rates will vary quite a bit from person to person.

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

Encompass or Fremont: Average Car Insurance Rates by State

Encompass and Fremont only compete against each other in Michigan, where Encompass offers the cheaper average prices. For Michigan residents, Encompass offers car insurance for $490 monthly on average. Fremont's average rates come out to be over 10% more expensive, at $562 per month.

There are plenty of other factors that go into your auto insurance cost than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. Generally, that's because 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 insurance premiums. As you can see above, teens who use Encompass save nearly $400 a month compared to those who use Fremont. It's worth noting that Encompass offers auto insurance in 31 different states compared to Fremont's one, which can skew the average rates a bit, but the difference here is still considerable.

But both companies will decrease prices by the time drivers turn 25. Fremont offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Encompass still has the most affordable premiums at $373 a month.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Encompass and Fremont? Fremont gets the slight edge here, with average rates coming in at around $321 monthly compared to Encompass's $335. However, that difference is less than 5%, which means it ultimately will come down to other variables, such as your driving record is or your credit score.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married drivers usually cover several cars, which several carriers will offer you a discount for.

When it comes to relationship status, Encompass is the clear winner for single drivers, with premiums about $112 per month cheaper than Fremont, on average. The advantage for married couples with Encompass is also obvious, where drivers save almost 20% a month.

Encompass vs. Fremont: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll normally end up paying more for car insurance than women.

With Encompass, men typically pay nearly $25 per month more than women; and with Fremont, everyone ends up paying the same monthly prices regardless of gender.

Looking at overall affordability, Encompass comes out as the lowest option for both genders, with average premiums $85 less for men and $108 cheaper for women.

Encompass or Fremont: 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 can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

That being said, 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 includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Encompass usually offers slightly more affordable rates of $302 compared to Fremont's $334. When it comes to full coverage policies with similar limits, Encompass again has the edge, with policies around $150 a month less expensive than Fremont, on average.

Is Encompass or Fremont Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your prices, but is Encompass or Fremont cheaper for 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 Fremont generally raises premiums about $138 a month, on average.

If you have a clean record, Fremont tends to offer the best prices at around 1% more affordable, while Encompass has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Encompass increasing by over $100. Fremont has a less extreme climb, but you can still expect to pay more than $80 more than you were prior to your first accident.

Overall, the less expensive premiums come from Fremont, with monthly prices averaging $307 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 an accident. On average, Fremont will increase your rates about 83% after a DUI, while Encompass's average premiums climb by just under 80%.

Encompass has the overall most affordable prices for drivers with a DUI on their records at 1020 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Fremont, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Fremont Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

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

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

Which Company is Best for Drivers with Good Credit?

Michigan is one of a just a few states that prohibits car insurance carriers from using credit scores to determine premiums. And since Fremont is only available in Michigan, there is no data available on how credit score impacts prices because it's not a factor at all. This may be a good thing, since Encompass and other companies tend to raise premiums quite a bit in other states if you don't have excellent credit.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit and live in Michigan, the good news is it won't cost you extra when it comes to insurance. As you can see, poor credit can really cost Encompass drivers in other states, but no need to worry if you live in Michigan.

Is Encompass or Fremont 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 pretty big impact on your monthly rates? Typically, those who drive fewer miles will end up with cheaper prices since there's less of a chance of getting into a collision 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 Fremont charges. However, there's a small difference in monthly rates for Encompass, with drivers who put 6,000 miles on their vehicle yearly paying around $2 less each month compared to those who drive 12,000 miles every year. Still, Encompass is the more affordable option for drivers in both categories.

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

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

Encompass tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Encompass offers premiums about $560 per month compared to Fremont's $682. People who live in suburban ZIP codes can expect to pay around $434 per month for Encompass and $536 for Fremont. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly prices coming in at $404 and $467 for Encompass and Fremont respectively.

Encompass vs. Fremont Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many 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 can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've compared all of the different discounts offered by Encompass and Fremont so that you can see which carrier can save you the most money each month.

Encompass blows Fremont away when it comes to the sheer amount of discounts available, offering 26 different discounts to Fremont's 14.

A couple of those are overlapping for things like ABS discounts, discounts for being a defensive driver, discounts for being a good student, and paid in full discounts. Encompass also offers advance quote discounts, distant student discounts, driver training discounts, and more that Fremont does not.

On the flip side, Fremont has a couple unique discounts of its own -- COVID-19 relief discount, garage discounts, discounts for insuring multiple cars with the same company, and more.

Final Thoughts: Is Encompass or Fremont Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which company is the best fit for you?

Encompass might be best for you if....

• You value the experience that comes with a large national auto insurance carrier.
• You live in an urban area.
• You've started working from home and don't have much of a commute.

Fremont might be best for you if...

• You like the personalized touch of a small, regional company.
• You have an at-fault collision on your record.
• You are over 65 years old and want to save some money on your insurance.

We hope this guide has ben a valuable resource as you compare Encompass and Fremont and that it aids in making a more informed decision about 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 carriers, not just Encompass and Fremont. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Encompass vs. Fremont FAQs

Is Encompass or Fremont cheaper?

Looking just at the national average premiums, Encompass is the less expensive of the two carriers, offering average rates of $466 a month compared to $562 for Fremont. But Encompass won't necessarily be the cheapest carrier for each policyholder, since there are a range of different variables that come into play when it comes to your car insurance bill.

Who is better, Encompass or Fremont?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for every driver -- it all comes down to what your unique auto insurance profile looks like. For example, Encompass offers more affordable rates for single policyholders, while Fremont is cheaper for drivers who have already retired.

Why do Encompass and Fremont offer me different rates?

Insurance companies take a look at many different factors when calculating the prices they charge drivers. Things like where you live, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both Encompass and Fremont calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several companies 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 information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Encompass or Fremont 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.