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

Quick Facts

• Looking at the national averages for car insurance, Grange offers significantly cheaper prices than Encompass
• Grange has more affordable rates for policyholders whose driving record contains an at-fault collision
• Grange tends to be a much less expensive option for drivers who have below-average credit

Encompass or Grange: 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've maybe even narrowed your search down to Encompass or Grange for your next policy, but which one will save you the most?

Looking at nationwide averages, Encompass is quite a bit more expensive than Grange, with premiums averaging $466 a month compared to just $249 with Grange.

Even so, Grange may not be the cheapest or best option for every single driver out there. Auto insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and all sorts of other factors, so prices could change drastically from person to person.

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

Encompass vs. Grange: Average Car Insurance Rates by State

Encompass and Grange compete against each other in six states, with Grange offering more affordable premiums to the average driver in all of them. If you live in Michigan, Encompass is the less expensive of the two companies when looking at the overall average prices. Grange is the cheaper option in Colorado, Delaware, Kentucky, Ohio, and Washington.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 50% less per month by choosing Grange over Encompass.

But both carriers will offer you dramatically lower rates by the time you turn 25. Grange offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Encompass's average prices reduce more than 65% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Encompass and Grange specifically, which carrier is best for retired drivers? Grange gets the edge here, with average prices coming in at around $200 monthly compared to Encompass's $335.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance rates than single drivers. That's because policies for married policyholders typically cover more than one vehicle, which many companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is significant, with Grange premiums coming in at about half of Encompass's. For married drivers, the advantage is clear again - Grange has the edge when it comes to average rates.

Encompass or Grange: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. So, women tend to pay less for auto insurance than men.

Generally, women see premiums around $25 a month cheaper with Encompass, and about $10 with Grange.

When it comes to the most affordable prices for each gender, Grange comes out as the lowest option for both genders, with average premiums 47% less for men and 46% cheaper for women.

Encompass vs. Grange: 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 so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Grange has the significant edge, with average monthly prices coming in at $185. If you want a full coverage policy with the same state minimum limits, Grange again has the edge, with policies averaging around $313 per month to Encompass's $629.

Is Encompass or Grange Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates 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 speeding tickets and collisions on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their auto insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

However, Grange tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are $47 and $53 more affordable, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in an accident can expect to see their premiums climb by over $100, while those who have insurance through Grange will see about a $85 increase.

At the end of the day, drivers who use Grange end up with the cheaper prices after an accident, with average prices coming in at $266 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 -- typically a lot more than a collision or speeding ticket. For example, Encompass increases average premiums by more than $500 a month -- that's nearly a 80% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Grange tends to be less expensive for the average driver, with monthly premiums coming in at around $314 to Encompass's 1020.

How does Credit Score Impact Encompass and Grange Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance premiums. This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it does affect several policyholders out there.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the most affordable prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Grange will normally reward you the most. For policyholders with "excellent" credit scores, Grange comes in just under 44.86 more affordable. Drivers with "good" credit scores usually save about 44% with Grange compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Grange typically offers lower premiums than Encompass when it comes to drivers with bad credit. Drivers with "fair" credit pay around 46% per month less with Grange compared to Encompass, and those with "poor" scores generally save an average of about 47% a month.

Is Encompass or Grange 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 large impact on how much insurance carriers will charge for coverage? Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Grange tends to be the more affordable option. Encompass average prices for drivers with 6,000 annual miles come in around $217 more expensive than Grange. Those who drive 12,000 miles each year can expect to pay about $217 more with Encompass over Grange.

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

Where you park your car can have a big impact on your monthly auto insurance cost. Normally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

Grange tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 46% with Grange compared to Encompass. People who live in suburban areas pay about 46% less with Grange compared to Encompass. For policyholders in urban ZIP codes, Grange Insurance's average premiums are around 48% less than Encompass Insurance.

Encompass vs. Grange Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard 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 Encompass and Grange so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Grange has a slight advantage when it comes to total number of discounts. Encompass offers a grand total of 26 discounts, while Grange has 28.

There are a couple discounts both companies offer, but Grange also offers discounts for advanced safety feature, agency transfer, annual mileage, and more.

On the other hand, Encompass has a few proprietary discounts of their own for things like advance quote discounts, DRL discounts, EFT discounts, and more.

Final Thoughts: Is Encompass or Grange Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best carrier for you and your specific profile and needs?

Grange might be best for you if....

• You live in one of the following states: California, Colorado, Delaware, Idaho, Kentucky, Massachusetts, Michigan, Ohio, and Washington.
• You want the most robust protection via a "full coverage" policy.
• You live in a rural area.

Encompass might be best for you if...

• You're thinking about moving to another state -- Grange Insurance only offers policies in nine states.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Grange and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Encompass and Grange. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Encompass vs. Grange FAQs

Is Encompass or Grange cheaper?

Grange is the less expensive of the two companies when looking at national average prices, with policies averaging $249 a month with Grange and $466 for Encompass. That being said, that doesn't mean Grange will be the cheapest carrier for everyone, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Grange?

Unfortunately, the real answer is "it depends.". No single company is "better" for every policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Encompass and Grange offer me different rates?

Car insurance carriers use a lot of different variables when determining the premiums they charge. Things like age, your driving record, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Grange use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top 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 Encompass or Grange 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.