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

Quick Facts

• Based on national averages for insurance, Missouri Farm Bureau offers significantly less expensive rates than Encompass
• Encompass may help you save more money -- they offer more discounts than Missouri Farm Bureau Insurance
• Missouri Farm Bureau has more affordable prices for policyholders whose driving record contains an at-fault collision

Encompass or Missouri Farm Bureau: 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 hefty savings. But exactly how much can you save by switching?

You might have narrowed it down to Encompass or Missouri Farm Bureau for your next policy, but which one will offer you cheaper rates?

Looking at the national average rates for both carriers, Missouri Farm Bureau has average rates that are around 75% a month less expensive than those from Encompass.

That being said, that doesn't mean Missouri Farm Bureau will necessarily be cheaper than Encompass for every driver. Auto insurance companies vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and tons of other factors, so premiums could vary drastically from person to person.

Luckily, we've broken down average prices from both Encompass and Missouri Farm Bureau by lots of different rate factors, so read on to find out which carrier is the best for you.

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

Encompass and Missouri Farm Bureau only compete against each other in Missouri, where Missouri Farm Bureau offers the cheaper average rates. Missouri Farm Bureau drivers tend to pay about $163 per month less on average compared to drivers who use Encompass for their insurance.

That being said, there are plenty of other factors that go into your car insurance payment than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 80% less a month by choosing Missouri Farm Bureau over Encompass. It's worth noting that Encompass offers car insurance in 31 different states compared to Missouri Farm Bureau's one, which can skew the average prices a bit, but the difference here is still considerable.

Even so, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Encompass policyholders reduce about $500 and Missouri Farm Bureau's prices lower more than $150 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 lowest rates you'll ever find.

When looking at Encompass and Missouri Farm Bureau specifically, which company is best for retired drivers? Missouri Farm Bureau gets the edge, with premiums for drivers 65 and older $254 more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper insurance rates than single drivers. This usually boils down to married couples having several vehicles on their policy -- something many car insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with Missouri Farm Bureau prices coming in at around a quarter of Encompass's. The advantage is also clear for married policyholders - Missouri Farm Bureau offers the most affordable average rates.

Encompass or Missouri Farm Bureau: Average Rates by Gender

You may not know, but men generally pay more for auto insurance than women do. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher premiums.

Women normally pay about 5% per month less than men with Encompass, but with Missouri Farm Bureau, the difference is closer to 14% a month.

Looking at the data for each carrier specifically, Missouri Farm Bureau comes out on top for both men and women, with average prices $358 less for men and $352 cheaper for women.

Encompass vs. Missouri 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.

For most people, insurance can be pretty complicated. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability insurance, Missouri Farm Bureau has the significant edge, with average monthly premiums coming in at $51. If you want a full coverage policy with the same state minimum limits, Missouri Farm Bureau again has the edge, with policies averaging around $170 per month to Encompass's $629.

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

You've probably seen plenty of commercials from car insurance companies 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 collisions on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their auto insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Missouri Farm Bureau policyholders can expect a less drastic increase of around 5%.

However, Missouri Farm Bureau has more affordable premiums for drivers in both categories, offering prices that are 57% and 65% less expensive, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with Encompass increasing by about 31%. Missouri Farm Bureau has a less extreme increase, but you can still expect to pay more than 10% more than you were prior to your first collision.

At the end of the day, drivers who use Missouri Farm Bureau end up with the cheaper prices after an accident, with average premiums coming in at $109 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 prices by more than $500 a month -- that's nearly a 80% increase.

Missouri Farm Bureau has the overall lowest rates for drivers with a DUI on their records at $134 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Missouri Farm Bureau, so the data may be skewed slightly.

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

Often times, your credit score can be used as one of the variables to determine your monthly car insurance premiums. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it will come into play for a lot of drivers.

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

Looking specifically at Encompass and Missouri Farm Bureau, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Missouri Farm Bureau will typically reward you the most. For policyholders with "excellent" credit scores, Missouri Farm Bureau comes in over 75.14 more affordable. Drivers with "good" credit scores normally save around 76% with Missouri Farm Bureau compared to average premiums from Encompass.

Which Company is Best for Drivers with Bad Credit?

Missouri Farm Bureau typically offers lower rates than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 77% per month less with Missouri Farm Bureau compared to Encompass, and those with "poor" scores generally save an average of around 77% a month.

Is Encompass or Missouri 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 how much car insurance carriers will charge for coverage. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

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

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

Where you park your vehicle can play a considerable role in how much you pay for insurance. Normally, those who live in rural areas will pay less than drivers in urban areas because of the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Missouri Farm Bureau typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Missouri Farm Bureau Insurance's average prices are around $428 less than Encompass Insurance. People who live in suburban areas pay about $325 less with Missouri Farm Bureau compared to Encompass. Those in rural areas can expect to save around $314 with Missouri Farm Bureau compared to Encompass.

Encompass vs. Missouri Farm Bureau Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

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

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

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

There are a couple discounts both carriers offer, but Encompass also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Missouri Farm Bureau has a few proprietary discounts of their own for things like hybrid vehicle discounts, multi-car discounts, occupation discounts, and more.

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Encompass or Missouri Farm Bureau the right carrier for you, your vehicle, and your wallet?

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

• You will be the only person on the auto insurance policy.
• Your neighborhood is in a city.
• You are purchasing your insurance with a spouse.

Encompass might be best for you if...

• You're planning on moving to another state soon -- Missouri Farm Bureau Insurance is only available in Missouri.
• You're looking for discounts -- Encompass has the most.

Hopefully, this guide helps you get a good idea of the differences between Encompass and Missouri Farm Bureau and that it aids in making a more informed 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 carriers, not just Encompass and Missouri Farm Bureau. Luckily, sites like Compare.com make it easy for you to do just that. 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. Missouri Farm Bureau FAQs

Is Encompass or Missouri Farm Bureau cheaper?

Missouri Farm Bureau is the more affordable of the two carriers when looking at national average premiums, with policies averaging $111 a month with Missouri Farm Bureau and $466 for Encompass. Even so, that doesn't mean Missouri Farm Bureau will be the most affordable company for every driver, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Missouri Farm Bureau?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

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

Auto insurance companies use quite a few different factors when determining the prices they charge. Things like where your home is, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Missouri Farm Bureau calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Encompass or Missouri 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 ZIP code 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 premium. And maybe you'll find that the best company for you isn't Encompass or Missouri 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.