Encompass vs. Georgia Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Georgia Farm Bureau offers significantly more affordable premiums than Encompass
• Encompass offers more discounts than Georgia Farm Bureau Insurance
• Georgia Farm Bureau offers more affordable rates for drivers who have less-than-stellar credit

Encompass vs. Georgia Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering considerable discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Encompass or Georgia Farm Bureau for your next policy, but which one will save you the most?

Looking at the national average rates for both companies, Encompass is quite a bit more expensive than Georgia Farm Bureau, with premiums averaging $466 per month compared to just $144 with Georgia Farm Bureau.

Even so, Georgia Farm Bureau may not be the most affordable or best option for each driver out there. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Encompass and Georgia Farm Bureau by multiple different rate factors, so read on to find out which carrier is the best for you.

Encompass or Georgia Farm Bureau: Average Car Insurance Rates by State

Encompass and Georgia Farm Bureau only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average prices. For Georgia residents, Georgia Farm Bureau offers insurance for $144 monthly on average. Encompass's average premiums come out to be over 70% more expensive, at $341 a month.

That being said, there are plenty of other factors that go into your car insurance cost than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group out there on the road. Generally, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Georgia Farm Bureau save more than $500 a month compared to those who use Encompass. It's worth noting that Encompass offers car insurance in 31 different states compared to Georgia Farm Bureau's one, which can skew the average rates a bit, but the difference here is still considerable.

However, with both companies, you'll see your prices reduce significantly by the time drivers turn 25. Georgia Farm Bureau offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average premiums decrease over 65% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest auto insurance prices you can find. 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 Encompass and Georgia Farm Bureau specifically, which company is best for retired drivers? Georgia Farm Bureau gets the edge, with prices for drivers 65 and older more than 65% less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance premiums than married couples. This usually boils down to married policyholders having more than one car on their policy -- something quite a few auto insurance carriers will reward with discounts.

When it comes to relationship status, Georgia Farm Bureau is the clear winner for those who are single, with rates about $408 per month cheaper than Encompass, on average. The advantage is also clear for married drivers - Georgia Farm Bureau offers the most affordable average prices.

Encompass vs. Georgia Farm Bureau: Average Rates by Gender

You may not know, but men usually pay more for insurance than women do. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

On average, women see premiums around 5% a month less with Encompass, and about 1% less with Georgia Farm Bureau.

Looking at overall affordability, Georgia Farm Bureau comes out as the lowest option for both genders, with average prices $332 less for men and $311 cheaper for women.

Encompass or Georgia Farm Bureau: 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, car insurance isn't the easiest topic to understand. There are a range of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum limits for liability insurance, Georgia Farm Bureau usually offers significantly less expensive rates of $91 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Georgia Farm Bureau again has the edge, with policies around $450 per month more affordable than Encompass, on average.

Is Encompass or Georgia Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

It's no secret secret that tickets and at-fault accidents lead to higher prices, but which carrier -- Encompass or Georgia Farm Bureau -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Georgia Farm Bureau auto insurance policies don't report seeing their premiums increase after getting a ticket, but Encompass policyholders can expect to see their monthly bill increase by about 20%.

But Georgia Farm Bureau has cheaper rates for drivers in both categories, offering prices that are 50% and 60% less expensive, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass policyholders who get in an accident can expect to see their premiums climb by over $100, while those who have insurance through Georgia Farm Bureau will see around a $20 increase.

Overall, Georgia Farm Bureau offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $133 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. On average, Encompass will increase your rates about 78% after a DUI, while Georgia Farm Bureau's average premiums rise by over 45%.

Georgia Farm Bureau has the overall most affordable prices for drivers with a DUI on their records at $216 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Georgia Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Georgia Farm Bureau Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly car insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several drivers out there.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

So, which company offers the cheapest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Georgia Farm Bureau. Policyholders with "excellent" credit can save more than 75% compared to Encompass, and those with "good" scores can also expect to see savings -- around $277 or 70% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Georgia Farm Bureau typically offers lower rates than Encompass when it comes to drivers with bad credit. Drivers with "fair" credit pay about $309 a month less with Georgia Farm Bureau compared to Encompass, and those with "poor" scores generally save an average of around $431 a month.

Is Encompass or Georgia Farm Bureau 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 car insurance bill? Normally, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

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

Encompass vs. Georgia Farm Bureau: 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 auto insurance, but the type of area you live in can have a big impact as well. Generally, 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.

Georgia Farm Bureau tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Georgia Farm Bureau offers premiums around $150 per month compared to Encompass's $560. People who live in suburban ZIP codes can expect to pay about $146 per month for Georgia Farm Bureau and $434 for Encompass. Lastly, those in rural areas tend to get the cheapest rates from both carriers, with average monthly premiums coming in at $136 and $404 for Georgia Farm Bureau and Encompass respectively.

Encompass vs. Georgia Farm Bureau Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

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

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

Encompass knocks Georgia Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Georgia Farm Bureau's 11.

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

On the flip side, Georgia Farm Bureau has a couple unique discounts of its own -- discounts for insuring multiple cars with the same company and paperless discounts.

Final Thoughts: Is Encompass or Georgia Farm Bureau Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right carrier for you and your specific profile and needs?

Georgia Farm Bureau might be best for you if....

• You have a DUI charge on your record.
• Your credit score is high.
• You are over 65 years old and want to save some money on your insurance.

Encompass might be best for you if...

• You're thinking about moving to another state -- Georgia Farm Bureau Insurance is only available to Georgia residents.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Encompass and Georgia Farm Bureau. We also hope we've given you the information you need to make the best 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 Georgia Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Encompass vs. Georgia Farm Bureau FAQs

Is Encompass or Georgia Farm Bureau cheaper?

Looking just at the national average prices, Georgia Farm Bureau is the cheaper of the two carriers, offering average rates of $144 a month compared to $466 for Encompass. However, Georgia Farm Bureau won't necessarily be the lowest carrier for every policyholder, since there are a variety of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Encompass or Georgia Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Encompass and Georgia Farm Bureau offer me different rates?

Auto insurance companies take a look at a lot of different variables when calculating the premiums they charge policyholders. Factors such as age, gender, where your home is, your driving record, and sometimes even things like your credit score can all come into play. Both Encompass and Georgia Farm Bureau calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Encompass or Georgia Farm Bureau is right for me?

The only way to find the 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, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Encompass or Georgia Farm Bureau 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.