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

Quick Facts

• Based on national averages for auto insurance, Integon National offers significantly more affordable premiums than Encompass
• Encompass offers more discounts than Integon National Insurance Company
• Integon National offers less expensive average prices for people who are single and purchasing car insurance by yourself

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

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

You might have narrowed your search down to Encompass or Integon National, but which carrier will offer you cheaper premiums?

As you can see, Encompass has average rates that are about 55% per month more expensive than those from Integon National when looking at the national average rates for auto insurance.

But Integon National may not be the cheapest or best option for every single driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things), so rates will vary quite a bit from person to person.

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

Encompass or Integon National: Average Car Insurance Rates by State

Encompass and Integon National only compete against each other in two states, with Encompass offering less expensive premiums to the average driver in all of them. If you live in Virginia, Encompass is the cheaper of the two carriers when looking at the overall average prices. Integon National is the more affordable option in Washington.

There are plenty of other factors that go into your car insurance bill than just your home state. 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. 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. Just look at the table above -- where 18-year-old drivers who have Integon National for their car insurance pay more than $500 less than those who use Encompass.

Even so, with both companies, you'll see your prices decrease significantly by the time you turn 25. For example, average rates for Encompass policyholders lower over $500 and Integon National's premiums reduce nearly $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates out there.

So, which carrier offers the best premiums to retired drivers? Integon National gets the edge, with prices for drivers 65 and older $165 cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically more affordable for married drivers than they are for those who are single? That's normally because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Integon National is the clear winner for single policyholders, with prices around $305 a month less expensive than Encompass, on average. The advantage for married couples with Integon National is also obvious, where drivers save about $150 per month.

Encompass vs. Integon National: Average Rates by Gender

Women usually to pay less for auto insurance than men. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

With Encompass, women generally pay around $25 a month less than men, and about $18 less with Integon National.

When it comes to the lowest rates for each gender, Integon National offers the cheapest average premiums for both men and women, with average prices 52% less for men and 54% cheaper for women.

Encompass or Integon National: 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 car insurance can be pretty complicated. There are a bunch of different coverages that account for many 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.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Integon National normally offers significantly cheaper premiums of $128 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Integon National again has the edge, with policies around $300 per month less expensive than Encompass, on average.

Is Encompass or Integon National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and at-fault collisions will most likely raise your prices, but is Encompass or Integon National more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass policyholders can expect their premiums to go up an average of $61 a month if they get a ticket, while Integon National usually raises rates about $78 per month, on average.

However, Integon National is generally the cheaper option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 36% more affordable for drivers with clean records and 23% 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 car insurance prices. Drivers who use Integon National for their insurance will see a monthly bill around $155 (or 52%) more expensive after reporting an accident to their auto insurance company.

Overall, drivers who use Integon National end up with the cheaper prices after an accident, with monthly premiums averaging $300 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. For example, Encompass increases average rates by over $500 a month -- that's just under a 80% increase.

If you have a DUI on your record and are looking for more affordable prices, Integon National tends to be the much more affordable option with average rates of $204 a month compared to 1020 from Encompass.

How does Credit Score Impact Encompass and Integon National Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for several drivers.

Insurance carriers 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 specifically at Integon National and Encompass, which company has the best prices 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 Integon National. Drivers with "excellent" credit can save nearly 45% compared to Encompass, and those with "good" scores can also expect to see savings -- about $182 or 46% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Integon National typically offers lower premiums than Encompass when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $239 per month less with Integon National compared to Encompass, and those with "poor" scores typically save an average of about $386 monthly.

Is Encompass or Integon National Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance cost. Normally, the more miles you drive, the more you can expect to pay for auto insurance.

Integon National tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure. Integon National's average rates for drivers with 6,000 annual miles come in around $248 more affordable than Encompass. Those who drive 12,000 miles annually can expect to pay about $248 less with Integon National over Encompass.

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

Where you live can play a considerable role in how much you pay for insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Integon National generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both carriers, but Integon National comes out on top with average premiums around $175 per month. Integon National also has cheaper average prices for drivers in urban and suburban ZIP codes -- a $337 and $178 a month respective difference when compared to Encompass policyholders in similar areas.

Encompass vs. Integon National Discounts

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

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're eligible for.

In the table below, we've taken a look at all of the different discounts Encompass and Integon National offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Encompass blows Integon National away when it comes to the sheer amount of discounts available, offering 26 different discounts to Integon National's 18.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, DRL discounts, and discounts for being a good student. Encompass also offers distant student discounts, driver training discounts, employee discounts, and more that Integon National does not.

On the flip side, Integon National has a couple unique discounts of its own -- agency transfer discounts, drug and alcohol awareness discounts, low cost coverage discounts, and more.

Final Thoughts: Is Encompass or Integon National Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Encompass or Integon National the right one for you and your specific needs?

Integon National might be best for you if....

• You've been pulled over for speeding recently.
• You have above-average credit.
• You drive fewer than 12,000 miles yearly.

Encompass might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Encompass and Integon National. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Encompass and Integon National. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Encompass vs. Integon National FAQs

Is Encompass or Integon National cheaper?

Looking just at the national average rates, Integon National is the less expensive of the two carriers, offering average rates of $218 per month compared to $466 for Encompass. But Integon National won't necessarily be the cheapest carrier for each driver, since there are multiple different variables that come into play when it comes to your car insurance payment.

Who is better, Encompass or Integon National?

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

Why do Encompass and Integon National offer me different rates?

Car insurance companies take a look at lots of different factors when determining the prices they charge drivers. Variables like where your home is, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Integon National calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto 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 information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Encompass or Integon National 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.