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

Quick Facts

• In general, Louisiana Farm Bureau offers significantly cheaper rates than Encompass
• Encompass offers more discounts than Louisiana Farm Bureau Insurance
• Louisiana Farm Bureau has more affordable prices for drivers who have an at-fault accident on their record

Encompass vs. Louisiana Farm Bureau: 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 discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Encompass or Louisiana Farm Bureau, but between the two, which company will offer you less expensive rates?

As you can see, Louisiana Farm Bureau has average rates that are about 60% per month more affordable than those from Encompass when looking at the national average rates for insurance.

Even so, Louisiana Farm Bureau may not be the most affordable or best option for every single driver out there. Auto insurance companies use all sorts of complex algorithms to calculate premiums, so depending on how good your credit score is or how old you are (among a variety of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Encompass or Louisiana Farm Bureau is really the best for you, keep reading to see average rates for each company broken down by several different rate factors.

Encompass or Louisiana Farm Bureau: Average Car Insurance Rates by State

Encompass and Louisiana Farm Bureau only compete against each other in Louisiana, where Louisiana Farm Bureau offers the cheaper average premiums. For Louisiana residents, Louisiana Farm Bureau offers car insurance for $181 per month on average. Encompass's average prices come out to be over 70% more expensive, at 1286 monthly.

There's a lot more that goes into your insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Louisiana Farm Bureau for their insurance pay more than $500 less than those who use Encompass. It's worth noting that Encompass offers car insurance in 31 different states compared to Louisiana Farm Bureau's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Encompass policyholders reduce over $500 and Louisiana Farm Bureau's prices drop around $150 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase prices.

So, which carrier offers the best premiums to retired drivers? Louisiana Farm Bureau gets the edge here, with average prices coming in at about $153 a month compared to Encompass's $335.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more expensive for single drivers than they are for married drivers? This usually boils down to married couples having multiple cars on their policy -- something several car insurance companies will reward with discounts.

When it comes to relationship status, Louisiana Farm Bureau is the clear winner for those who are single, with rates around $364 a month cheaper than Encompass, on average. The advantage is also clear for married policyholders - Louisiana Farm Bureau offers the most affordable average prices.

Encompass vs. Louisiana Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will normally end up paying a little more.

Usually, men see rates about 5% per month higher with Encompass, while with Louisiana Farm Bureau, the difference is closer to 2% a month.

Looking at the data for each company specifically, Louisiana Farm Bureau comes out on top for both men and women. On average, women save about $275 per month and men save around $294 with Louisiana Farm Bureau compared to the average Encompass policyholder.

Encompass or Louisiana 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.

Insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Louisiana Farm Bureau usually offers significantly less expensive premiums of $110 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Louisiana Farm Bureau again has the edge, with policies about $400 a month cheaper than Encompass, on average.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass policyholders can expect their premiums to go up an average of $61 per month if they get a ticket, while Louisiana Farm Bureau generally raises prices around $22 a month, on average.

Even so, Louisiana Farm Bureau tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 33% more affordable for drivers with clean records and 40% 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 about an $101 -- or around 31% -- increase in their insurance rates. Drivers who use Louisiana Farm Bureau for their car insurance will see a monthly bill about $43 (or 22%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use Louisiana Farm Bureau end up with the cheaper prices after an accident, with monthly premiums averaging $194 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 auto insurance bill -- normally a lot more than an accident or ticket. Encompass drivers usually see a 78% increase in their insurance prices after a DUI charge, while Louisiana Farm Bureau will typically raise premiums by around 26%.

Louisiana Farm Bureau has the overall cheapest rates for drivers with a DUI on their records at $205 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Louisiana Farm Bureau, so the data may be skewed slightly.

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

You may not have known, but your credit score can be used as one of the factors to determine your monthly auto insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper rates.

Looking specifically at Encompass and Louisiana Farm Bureau, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Louisiana Farm Bureau. Policyholders with "excellent" credit can save just under 65% compared to Encompass, and those with "good" scores can also expect to see savings -- about $242 or 61% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Louisiana Farm Bureau typically offers lower prices than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $289 per month less with Louisiana Farm Bureau compared to Encompass, and those with "poor" scores usually save an average of about $382 a month.

Is Encompass or Louisiana Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much insurance companies will charge for coverage. That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Louisiana Farm Bureau charges. However, there's a small difference in monthly rates for Encompass, with drivers who put 6,000 miles on their car annually paying around $2 less every month compared to those who drive 12,000 miles yearly. Still, Louisiana Farm Bureau is the less expensive option for drivers in both categories.

Encompass vs. Louisiana Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a big impact on your monthly car insurance payment. Typically, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

When comparing these two carriers side-by-side, Louisiana Farm Bureau 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 cheapest premiums from both companies, but Louisiana Farm Bureau comes out on top with average prices about $170 per month. Louisiana Farm Bureau also has cheaper average rates for drivers in urban and suburban ZIP codes -- a $369 and $252 a month respective difference when compared to Encompass policyholders in similar areas.

Encompass vs. Louisiana Farm Bureau Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Encompass and Louisiana Farm Bureau offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Encompass blows Louisiana Farm Bureau away when it comes to the sheer amount of discounts available, offering 21 more discounts than Louisiana Farm Bureau.

There are a couple discounts both carriers offer, but Encompass also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Louisiana Farm Bureau does not.

On the flip side, Louisiana Farm Bureau has a unique discount of its own -- a vin etching discounts.

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

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the right one for you and your specific driver profile?

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

• You have a clean record.
• You're worried about the impact your credit score will have on your prices.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Encompass might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Encompass and Louisiana Farm Bureau. We also hope we've given you the information you need to make the best decision about your auto 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 insurance -- comparing quotes from a handful of companies, not just Encompass and Louisiana Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Encompass vs. Louisiana Farm Bureau FAQs

Is Encompass or Louisiana Farm Bureau cheaper?

Looking just at the national average rates, Louisiana Farm Bureau is the more affordable of the two companies, offering average rates of $181 per month compared to $466 for Encompass. That being said, Louisiana Farm Bureau won't necessarily be the lowest company for everyone, since there are a variety of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Encompass or Louisiana Farm Bureau?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

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

Insurance carriers take a look at a lot of different variables when calculating the premiums they charge drivers. Factors such as where you call home, age, gender, where you live, and sometimes even things like your credit score can all come into play. Both Encompass and Louisiana Farm Bureau calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from many different companies.

How do I know if Encompass or Louisiana 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 multiple 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 area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Encompass or Louisiana Farm Bureau 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.