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

Quick Facts

• Looking at the national averages for insurance, Integrity offers significantly more affordable rates than Encompass
• Encompass may help you save more money -- they offer more discounts than Integrity Insurance
• Integrity offers more affordable prices for policyholders who drive fewer than 6,000 miles yearly

Encompass or Integrity: 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 it down to Encompass or Integrity as your top options, but which carrier has cheaper premiums for auto insurance?

Looking at the national average rates for both carriers, Encompass has average rates that are around 85% a month more expensive than those from Integrity.

Even so, Integrity may not be the most affordable or best option for each driver out there. Car insurance companies use a variety of complex algorithms to determine rates, so depending on how good your credit score is or where you live (among a variety of other factors), you could see wildly different prices from the ones above.

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

Encompass vs. Integrity: Average Car Insurance Rates by State

Encompass and Integrity only compete against each other in one states, with Integrity offering less expensive rates to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity prices are $227 more affordable than insurance premiums at Encompass.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers out there on the road. Generally, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But 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 85% less per month by choosing Integrity over Encompass. It's worth noting that Encompass offers car insurance in 31 different states compared to Integrity's two, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your premiums reduce significantly by the time you turn 25. For example, average rates for Encompass policyholders drop more than 65% and Integrity's prices lower over 65% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Encompass and Integrity specifically, which carrier is best for retired drivers? Integrity gets the edge, with rates for drivers 65 and older $274 cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be less expensive for married couples than they are for single policyholders. That's normally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average premiums between these two carriers is significant, with Integrity rates coming in at about a quarter of Encompass's. The advantage for married policyholders with Integrity is also obvious, where drivers save around $250 a month.

Encompass or Integrity: Average Rates by Gender

You may not know, but insurance is generally cheaper for women than it is for men. That's because men are more likely to get speeding tickets and get into collisions, which raises the chances of filing a claim with insurance.

On average, men see prices about $25 per month higher with Encompass, and almost $10 with Integrity.

Looking at the data for each company specifically, Integrity comes out as the cheapest option for both genders. On average, women save about $377 a month and men save around $392 with Integrity compared to the average Encompass policyholder.

Encompass vs. Integrity: 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.

Auto insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Integrity has the significant edge, with average monthly rates coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging about $124 per month to Encompass's $629.

Is Encompass or Integrity 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 speeding tickets and collisions lead to higher prices, but which carrier -- Encompass or Integrity -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their car insurance can typically expect their monthly bill to go up around 21% after getting a speeding ticket. Integrity policyholders can expect a bit more drastic of an increase of about 26%.

Even so, Integrity has more affordable rates for drivers in both categories. With Integrity Insurance, drivers with a clean record can save around $164 a month and drivers with a ticket can save about $203 per month.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Encompass climbing by around 31%. Integrity has a less extreme raise, but you can still expect to pay 25% more than you were prior to your first accident.

At the end of the day, Integrity offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $84 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. For example, Encompass increases average premiums by more than $500 a month -- that's nearly a 80% increase.

Integrity has the overall most affordable rates for drivers with a DUI on their records at $92 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just two for Integrity, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Integrity Rates?

Did you know many auto insurance companies take into account your credit score when determining prices? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few drivers.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the lowest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Integrity will normally reward you the most. For drivers with "excellent" credit scores, Integrity comes in more than 81.43 cheaper. Drivers with "good" credit scores generally save about 81% with Integrity compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower prices than Encompass when it comes to drivers with bad credit. Drivers with "fair" credit pay around 83% per month less with Integrity compared to Encompass, and those with "poor" scores usually save an average of about 84% per month.

Is Encompass or Integrity 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 premiums. Typically, those who drive less will end up with less expensive rates since there's less of a chance of causing an accident 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 Integrity charges. However, there's a small difference in monthly prices for Encompass, with policyholders who drive the least paying around $2 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Integrity is the more affordable carrier.

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

Where you live can play a big role in how much you pay for insurance. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads where they live.

Integrity tends to offer the most affordable rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Integrity Insurance's average prices are about $478 less than Encompass Insurance. People who live in suburban areas pay around $356 less with Integrity compared to Encompass. Those in rural areas can expect to save about $321 with Integrity compared to Encompass.

Encompass vs. Integrity Discounts

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

But with what seems like a million different discounts out there, it can be challenging 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 compared all of the different discounts offered by Encompass and Integrity so that you can see which company can save you the most money each month.

Encompass knocks Integrity out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Integrity.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, distant student discounts, and discounts for being a homeowner -- but Encompass also offers discounts for ABS, driver training, DRL, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like company car discounts, continuous insurance discounts, life policy discounts, and more.

Final Thoughts: Is Encompass or Integrity Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which insurance carrier is the right one for you and your specific driver profile?

Integrity might be best for you if....

• You will be the only person on the insurance policy.
• Your credit is less-than-stellar.
• Your neighborhood is in a rural area.

Encompass might be best for you if...

• You're planning on moving to another state soon -- Integrity Insurance is only available in Iowa and Wisconsin.
• You're looking for discounts -- Encompass has the most.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Integrity. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Encompass and Integrity. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Encompass vs. Integrity FAQs

Is Encompass or Integrity cheaper?

Integrity is the cheaper of the two companies when looking at national average prices, with policies averaging $81 a month with Integrity and $466 for Encompass. But that doesn't mean Integrity will be the lowest company for every driver, since there are a range of different variables that come into play when it comes to your car insurance payment.

Who is better, Encompass or Integrity?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Encompass and Integrity offer me different rates?

Auto insurance carriers use lots of different factors when calculating the rates they charge. Variables such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be used. Both Encompass and Integrity use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of carriers 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Encompass or Integrity 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.