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

Quick Facts

• Based on national averages for insurance, Germania offers significantly cheaper premiums than Encompass
• Encompass offers more discounts than Germania Insurance
• Germania has more affordable prices for couples purchasing auto insurance together

Encompass vs. Germania: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Encompass or Germania, but which carrier has cheaper rates for insurance?

As you can see, Germania is quite a bit cheaper than Encompass, with premiums averaging $142 per month compared to $466 with Encompass when looking at the national average rates for car insurance.

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

So, if you want to find out which of Encompass or Germania is really the best for you, keep reading to see average prices for each company broken down by a variety of different rate factors.

Encompass or Germania: Average Car Insurance Rates by State

Encompass and Germania only compete against each other in Texas, where Germania offers the cheaper average rates. For Texas residents, Germania offers insurance for $142 monthly on average. Encompass's average premiums come out to be over 20% more expensive, at $178 per month.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Germania 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 Germania's one, which can skew the average rates a bit, but the difference here is still considerable.

But both companies will reduce premiums by the time you turn 25. Germania offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average rates lower over 65% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest 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 Encompass and Germania specifically, which carrier is best for retired drivers? Germania gets the edge, with prices for drivers 65 and older nearly 70% more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married couples. That's because policies for married policyholders normally cover multiple cars, which many carriers will offer you a discount for.

When it comes to relationship status, Germania is the clear winner for single policyholders, with prices about $409 per month cheaper than Encompass, on average. The advantage for married drivers with Germania is also obvious, where drivers save almost 65% a month.

Encompass vs. Germania: Average Rates by Gender

You may not know, but car insurance is usually more expensive for men than for women. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim.

With Encompass, women normally pay nearly $25 per month less than men, while with Germania, the difference is closer to $12 a month.

Looking at overall affordability, Germania comes out on top for both men and women, with average rates 69% less for men and 70% cheaper for women.

Encompass or Germania: 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.

It's no secret that insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Germania usually offers significantly more affordable premiums of $90 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies around $450 per month less expensive than Encompass, on average.

Is Encompass or Germania Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault accidents and tickets lead to higher prices, but which company -- Encompass or Germania -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Germania car 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%.

Even so, Germania has cheaper prices for drivers in both categories -- their rates are around 55% more affordable for drivers with clean records and 65% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Encompass can expect to see around an $101 -- or about 31% -- increase in their insurance premiums. Drivers who use Germania for their car insurance will see a monthly bill around $30 (or 23%) more expensive after reporting a collision to their auto insurance carrier.

Overall, Germania offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $132 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 collision or ticket when it comes to your insurance bill. Encompass drivers usually see a 78% increase in their car insurance rates after a DUI charge, while Germania will typically climb premiums by about 56%.

Germania has the overall lowest rates for drivers with a DUI on their records at $233 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Germania, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Germania Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect quite a few policyholders out there.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at Encompass and Germania specifically, which one has the best premiums 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 Germania. Drivers with "excellent" credit can save over 75% compared to Encompass, and those with "good" scores can also expect to see savings -- around $276 or 70% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Germania typically offers lower rates than Encompass when it comes to drivers with bad credit. Drivers with "fair" credit pay about $325 a month less with Germania compared to Encompass, and those with "poor" scores generally save an average of around $426 monthly.

Is Encompass or Germania 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 substantial impact on your monthly premiums? That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Germania charges. However, there's a small difference in monthly prices 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, Germania is the more affordable option for drivers in both categories.

Encompass vs. Germania: 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 large impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas due to the small number of cars that are on the roads in those areas.

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

For drivers in urban ZIP codes, Germania offers rates around $149 per month compared to Encompass's $560. People who live in suburban ZIP codes can expect to pay about $143 per month for Germania and $434 for Encompass. Lastly, those in rural areas tend to get the lowest premiums from both carriers, with average monthly prices coming in at $134 and $404 for Germania and Encompass respectively.

Encompass vs. Germania Discounts

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

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.

In the section below, we've taken a look at all of the different discounts Encompass and Germania offer their customers so that you can see which company can save you the most money each month.

Encompass blows Germania away when it comes to the sheer amount of discounts available, offering eight more discounts than Germania.

There are a couple discounts both companies offer, but Encompass also offers DRL discounts, EFT discounts, employee discounts, and more that Germania does not.

On the flip side, Germania has a couple unique discounts of its own -- academic discounts, claim free discounts, COVID-19 relief discount, and more.

Final Thoughts: Is Encompass or Germania Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best carrier for you and your specific profile and needs?

Germania might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You're worried about the impact your credit score will have on your prices.
• You are over 65 years old and want to save some money on your insurance.

Encompass might be best for you if...

• You already have plans to move to another state -- Germania Insurance only offers policies in TX.
• You care about discounts (Encompass offers the most).

We hope this guide helps you get a better idea of the difference between Encompass and Germania 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 Germania. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Encompass vs. Germania FAQs

Is Encompass or Germania cheaper?

Looking just at the national average rates, Germania is the less expensive of the two carriers, offering average rates of $142 a month compared to $466 for Encompass. But Germania won't necessarily be the most affordable carrier for every driver, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Encompass or Germania?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Encompass and Germania offer me different rates?

Car insurance companies take a look at several different variables when determining the premiums they charge policyholders. Factors such as your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Germania calculate prices using different variables, 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 multiple different carriers.

How do I know if Encompass or Germania 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 do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto 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 Germania 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.