Encompass vs. Kentucky Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Kentucky Farm Bureau offers significantly less expensive rates than Encompass
• Encompass may help you save more money -- they offer more discounts than Kentucky Farm Bureau
• Kentucky Farm Bureau offers cheaper average premiums for policyholders who live in rural neighborhoods

Encompass or Kentucky Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Encompass or Kentucky Farm Bureau as your top options, but between the two, which carrier has more affordable rates for car insurance?

Looking at nationwide averages, Encompass is quite a bit more expensive than Kentucky Farm Bureau, with prices averaging $466 a month compared to just $201 with Kentucky Farm Bureau.

Even so, Kentucky Farm Bureau may not be the cheapest or best option for each driver out there. Auto insurance carriers vary their premiums depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and tons of other factors, so prices could differ drastically from person to person.

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

Encompass vs. Kentucky Farm Bureau: Average Car Insurance Rates by State

Encompass and Kentucky Farm Bureau only compete against each other in Kentucky, where Kentucky Farm Bureau offers the cheaper average premiums. Kentucky Farm Bureau drivers tend to pay about $692 per month less on average compared to drivers who use Encompass for their car insurance.

There's a lot more that goes into your insurance payment than just your home state. Keep reading 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. That's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 60% less a month by choosing Kentucky Farm Bureau over Encompass. It's worth noting that Encompass offers insurance in 31 different states compared to Kentucky Farm Bureau's one, which can skew the average premiums a bit, but the difference here is still considerable.

But with both companies, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Encompass policyholders reduce more than 65% and Kentucky Farm Bureau's prices lower almost 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise premiums.

When looking at Encompass and Kentucky Farm Bureau specifically, which company is best for retired drivers? Kentucky Farm Bureau gets the edge, with prices for drivers 65 and older $197 cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

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

For single drivers, the difference in average premiums between these two carriers is significant, with Kentucky Farm Bureau rates coming in at around 60% less than Encompass's. The advantage for married drivers with Kentucky Farm Bureau is also obvious, where drivers save nearly 55% per month.

Encompass or Kentucky Farm Bureau: 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, insurance companies will tend to charge women less than men.

With Encompass, men generally pay about $25 a month more than women, and around $15 more with Kentucky Farm Bureau.

Looking at the data for each carrier specifically, Kentucky Farm Bureau offers the lowest average prices for both men and women, with average premiums $269 less for men and $261 cheaper for women.

Encompass vs. Kentucky Farm Bureau: 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage 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 insurance, Kentucky Farm Bureau has the significant edge, with average monthly rates coming in at $120. If you want a full coverage policy with the same state minimum limits, Kentucky Farm Bureau again has the edge, with policies averaging about $282 per month to Encompass's $629.

Is Encompass or Kentucky Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great prices 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 at-fault accidents on your record, but which of these two companies offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Kentucky Farm Bureau insurance policies don't report seeing their prices increase after getting a ticket, but Encompass policyholders can expect to see their monthly bill increase by around 20%.

However, Kentucky Farm Bureau tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $82 and $143 less expensive, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Encompass climbing by about 31%. Kentucky Farm Bureau has a less extreme raise, but you can still expect to pay 6% more than you were prior to your first accident.

At the end of the day, drivers who use Kentucky Farm Bureau end up with the cheaper prices after an accident, with average prices coming in at $154 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 an accident. For example, Encompass increases average rates by more than $500 a month -- that's nearly a 80% increase.

Kentucky Farm Bureau has the overall cheapest premiums for drivers with a DUI on their records at $359 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Kentucky Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Kentucky Farm Bureau Rates?

Often times, your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it does affect lots of drivers out there.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

So, which company offers the lowest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Kentucky Farm Bureau will usually reward you the most. For policyholders with "excellent" credit scores, Kentucky Farm Bureau comes in more than 71.71 cheaper. Drivers with "good" credit scores normally save around 68% with Kentucky Farm Bureau compared to average prices from Encompass.

Which Company is Best for Drivers with Bad Credit?

Kentucky Farm Bureau typically offers lower premiums than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 61% per month less with Kentucky Farm Bureau compared to Encompass, and those with "poor" scores typically save an average of around 40% monthly.

Is Encompass or Kentucky Farm Bureau 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 prices. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

Kentucky Farm Bureau tends to be the less expensive option for both remote workers and those taking short commutes. Kentucky Farm Bureau average rates for drivers with 6,000 annual miles come in over $250 more affordable than Encompass. Those who drive 12,000 miles yearly can expect to pay more than $250 less with Kentucky Farm Bureau over Encompass.

Encompass or Kentucky Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for car insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Kentucky Farm Bureau boasts the most affordable average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Kentucky Farm Bureau's average rates are about 59% less than Encompass Insurance. People who live in suburban areas pay around 61% less with Kentucky Farm Bureau compared to Encompass. Those in rural areas can expect to save about 50% with Kentucky Farm Bureau compared to Encompass.

Encompass vs. Kentucky Farm Bureau Discounts

No matter why you might be in the market for a new 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.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Encompass and Kentucky Farm Bureau so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Encompass knocks Kentucky Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Kentucky Farm Bureau's 11.

Both carriers offer lots of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts -- but Encompass also offers discounts for advance quote, distant student, DRL, and more.

On the other hand, Kentucky Farm Bureau has a few proprietary discounts of their own for things like multi-car discounts, school bus driver discounts, and umbrella policy discounts.

Final Thoughts: Is Encompass or Kentucky Farm Bureau Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the right company for you and your specific driver profile?

Kentucky Farm Bureau might be best for you if....

• Your driving record contains an at-fault collision.
• You're looking for the best premiums on liability only coverage.
• Your neighborhood is in a rural area.

Encompass might be best for you if...

• You already have plans to move to another state -- Kentucky Farm Bureau only offers policies in Kentucky.
• You care about discounts (Encompass offers the most).

Hopefully, this guide has ben a valuable resource as you compare Encompass and Kentucky Farm Bureau 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 multiple carriers, not just Encompass and Kentucky Farm Bureau. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Encompass vs. Kentucky Farm Bureau FAQs

Is Encompass or Kentucky Farm Bureau cheaper?

Kentucky Farm Bureau is the less expensive of the two carriers when looking at national average prices, with policies averaging $201 a month with Kentucky Farm Bureau and $466 for Encompass. Even so, that doesn't mean Kentucky Farm Bureau will be the cheapest company for every driver, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Encompass or Kentucky Farm Bureau?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Encompass and Kentucky Farm Bureau offer me different rates?

Insurance companies use many different factors when determining the rates they charge. Variables like gender, your driving record, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Kentucky Farm Bureau calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Encompass or Kentucky Farm Bureau 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 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 quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Encompass or Kentucky Farm Bureau 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.