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

Quick Facts

• Based on national averages for car insurance, Hastings Mutual offers significantly less expensive rates than Encompass
• Encompass may help you save more money -- they offer more discounts than Hastings Mutual Insurance Company
• Hastings Mutual has cheaper premiums for policyholders who drive fewer than 6,000 miles annually

Encompass or Hastings Mutual: 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 huge savings. But exactly how much can you save by switching?

You might have narrowed your search down to Encompass or Hastings Mutual as potential options, but which one will save you the most?

Looking at the national average rates for both carriers, Hastings Mutual is quite a bit cheaper than Encompass, with rates averaging $211 a month compared to $466 with Encompass.

That being said, Hastings Mutual may not be the most affordable or best option for every single driver out there. Insurance companies use all sorts of complex algorithms to determine prices, so depending on how clean your driving record is or how old you are (among a wide array of other factors), you could see wildly different premiums from the ones above.

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

Encompass vs. Hastings Mutual: Average Car Insurance Rates by State

Encompass and Hastings Mutual compete against each other in five states, with Encompass offering more affordable prices to the average driver in all of them. If you live in Illinois or Michigan, Encompass is the less expensive of the two carriers when looking at the overall average premiums. Hastings Mutual is the cheaper option in Indiana, Ohio, and Wisconsin.

That being said, there are plenty of other factors that go into your auto insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of over 65% less per month by choosing Hastings Mutual over Encompass.

But with both companies, you'll see your prices reduce significantly by the time you turn 25. Hastings Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average rates drop more than 65% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you can find.

When looking at Encompass and Hastings Mutual specifically, which carrier is best for retired drivers? Hastings Mutual gets the edge, with prices for drivers 65 and older $168 more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be cheaper for married drivers than they are for those who are single. This usually boils down to married couples having multiple vehicles on their policy -- something a lot of auto insurance carriers will reward with discounts.

For single policyholders, the difference in average prices between these two companies is significant, with Hastings Mutual premiums coming in at around a third of Encompass's. The advantage is also clear for married policyholders - Hastings Mutual offers the lowest average rates.

Encompass or Hastings Mutual: Average Rates by Gender

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

Normally, women see prices about 5% a month less with Encompass, and around 2% less with Hastings Mutual.

When it comes to the cheapest rates for each gender, Hastings Mutual offers the lowest average premiums for both men and women. On average, women save about $246 per month and men save about $264 with Hastings Mutual compared to the average Encompass policyholder.

Encompass vs. Hastings Mutual: 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.

Insurance can be a complicated subject for most people. There are lots of different coverages that account for several different things. Some protect you and your car, 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 coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Hastings Mutual has the significant edge, with average monthly prices coming in at $142. If you want a full coverage policy with the same state minimum limits, Hastings Mutual again has the edge, with policies averaging around $279 a month to Encompass's $629.

Is Encompass or Hastings Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your rates, but is Encompass or Hastings Mutual more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Hastings Mutual policyholders can expect a less drastic increase of around 16%.

Even so, Hastings Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 52% less expensive for drivers with clean records and 55% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Encompass can expect to see about an $101 -- or around 31% -- rise in their auto insurance premiums. Drivers who use Hastings Mutual for their insurance will see a monthly bill about $17 (or 13%) more expensive after reporting an accident to their car insurance company.

At the end of the day, Hastings Mutual offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $126 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 speeding ticket when it comes to your insurance bill. Encompass drivers usually see a 78% raise in their auto insurance prices after a DUI charge, while Hastings Mutual will generally climb rates by around 77%.

But if you end up with a DUI charge and are looking for more affordable prices, Hastings Mutual tends to be less expensive for the average driver, with monthly premiums coming in at about $478 to Encompass's 1020.

How does Credit Score Impact Encompass and Hastings Mutual Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it might come into play for quite a few drivers.

Car 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, policyholders with bad credit will often be forced to pay more.

Looking specifically at Encompass and Hastings Mutual, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Hastings Mutual will usually reward you the most. For policyholders with "excellent" credit scores, Hastings Mutual comes in more than 52.29 more affordable. Drivers with "good" credit scores generally save around 51% with Hastings Mutual compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Hastings Mutual typically offers lower premiums than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 56% per month less with Hastings Mutual compared to Encompass, and those with "poor" scores normally save an average of around 57% a month.

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

How much you drive can have a large impact on your monthly insurance bill. Typically, those who drive fewer miles will end up with cheaper prices since there's less of a chance of causing a collision and filing an insurance claim.

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

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

Where you live can have a considerable impact on your monthly car insurance cost. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of vehicles that are on the roads where they live.

Hastings Mutual boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Hastings Mutual Insurance Company's average prices are around $269 less than Encompass Insurance. People who live in suburban areas pay about $257 less with Hastings Mutual compared to Encompass. Those in rural areas can expect to save around $240 with Hastings Mutual compared to Encompass.

Encompass vs. Hastings Mutual Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Encompass and Hastings Mutual so that you can find the company that has the most discounts and, therefore, the largest savings.

Encompass blows Hastings Mutual away when it comes to the sheer amount of discounts available, offering 16 more discounts than Hastings Mutual.

Both carriers offer lots of the same discounts -- like anti-theft discounts, discounts for being a good driver, and discounts for being a good student -- but Encompass also offers discounts for advance quote, distant student, driver training, and more.

On the other hand, Hastings Mutual has a few proprietary discounts of their own for things like company car discounts, multi-car discounts, and workloss exclusion discounts.

Final Thoughts: Is Encompass or Hastings Mutual Best for You?

So, we've broken down the average premiums for many of the variables insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which insurance company is the right fit for you?

Hastings Mutual might be best for you if....

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You drive fewer than 12,000 miles annually.

Encompass might be best for you if...

• You already have plans to move to another state -- Hastings Mutual Insurance Company only offers policies in six states.
• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Hastings Mutual. We also hope we've given you the information you need to make the best decision when it comes to 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 Hastings Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Encompass vs. Hastings Mutual FAQs

Is Encompass or Hastings Mutual cheaper?

Hastings Mutual is the less expensive of the two carriers when looking at national average rates, with policies averaging $211 a month with Hastings Mutual and $466 for Encompass. However, that doesn't mean Hastings Mutual will be the lowest carrier for every policyholder, since there are many different factors that come into play when it comes to your auto insurance payment.

Who is better, Encompass or Hastings Mutual?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Encompass and Hastings Mutual offer me different rates?

Car insurance companies use lots of different variables when determining the premiums they charge. Factors such as where you call home, where you park your car, gender, age, and sometimes even things like your credit score can all come into play. Both Encompass and Hastings Mutual calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple 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 ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Encompass or Hastings Mutual 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.