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

Quick Facts

• In general, MMG offers significantly more affordable prices than Encompass
• Encompass may help you save more money -- they offer more discounts than MMG Insurance
• MMG offers less expensive average premiums for policyholders whose driving record contains an at-fault collision

Encompass or MMG: Which Company has the Cheapest Car Insurance?

So, you're considering switching to 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 be considering Encompass or MMG as your top options, but between the two, which one will save you the most?

As you can see, Encompass has average rates that are around 75% a month more expensive than those from MMG when looking at the national average rates for auto insurance.

That being said, that doesn't mean MMG will necessarily be more affordable than Encompass for every driver. Car insurance carriers use a variety of complex algorithms to determine rates, so depending on where you live or how old you are (among quite a few other factors), you could see wildly different premiums from the ones above.

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

Encompass vs. MMG: Average Car Insurance Rates by State

Encompass and MMG only compete against each other in one states, with MMG offering less expensive rates to the average driver in all of them. New Hampshire has the most noticable difference, where MMG prices are $5 cheaper than auto insurance premiums at Encompass.

That being said, there are plenty of other factors that go into your car insurance bill than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. 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 still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have MMG for their car insurance pay over 80% less than those who use Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to MMG's two, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Encompass policyholders reduce about $500 and MMG's prices lower around $150 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

So, which carrier offers the best rates to retired drivers? MMG gets the edge here, with average premiums coming in at about $83 per month compared to Encompass's $335.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive auto insurance prices than single drivers. That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with MMG rates coming in at around a quarter of Encompass's. The advantage for married couples with MMG is also obvious, where drivers save almost $250 per month.

Encompass or MMG: 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 insurance men will typically end up paying a little more.

Usually, men see premiums about 5% a month higher with Encompass, and around 13% more with MMG.

Looking at the data for each company specifically, MMG comes out on top for both men and women, with average rates 73% less for men and 76% cheaper for women.

Encompass vs. MMG: 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 auto insurance can be a complicated subject for most people. There are a range of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum limits for liability insurance, MMG has the significant edge, with average monthly prices coming in at $77. If you want a full coverage policy with the same state minimum limits, MMG again has the edge, with policies averaging about $160 per month to Encompass's $629.

Is Encompass or MMG Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two companies offers the cheapest rates to 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 usually expect their monthly bill to go up around 21% after getting a speeding ticket. MMG policyholders can expect a less drastic increase of about 19%.

Even so, MMG tends to offer the best prices for drivers both with a ticket and with a clean record, offering premiums that are $137 and $177 cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in a collision can expect to see their prices climb by over 30%, while those who have insurance through MMG will see around a 25% increase.

At the end of the day, the more affordable rates come from MMG, with average premiums coming in at $122 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 speeding ticket or even an accident. For example, Encompass increases average prices by more than $500 a month -- that's nearly a 80% increase.

MMG has the overall lowest premiums for drivers with a DUI on their records at $151 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just two for MMG, so the data may be skewed slightly.

How does Credit Score Impact Encompass and MMG Rates?

Did you know many insurance carriers take into account your credit score when determining prices? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it might come into play for quite a few policyholders.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Encompass and MMG, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, MMG will typically reward you the most. For drivers with "excellent" credit scores, MMG comes in just under 78.29 less expensive. Drivers with "good" credit scores normally save about 76% with MMG compared to average prices from Encompass.

Which Company is Best for Drivers with Bad Credit?

MMG typically offers lower rates than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 75% per month less with MMG compared to Encompass, and those with "poor" scores generally save an average of about 71% a month.

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

How much you drive can have a pretty big impact on your monthly auto insurance payment. Normally, the more milage you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much MMG charges. However, there's a small difference in monthly premiums for Encompass, with policyholders who drive the least paying around $2 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, MMG is the more affordable carrier.

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

Where your home is can have a substantial impact on your monthly car insurance cost. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, MMG typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 74% with MMG compared to Encompass. People who live in suburban areas pay around 70% less with MMG compared to Encompass. For policyholders in urban ZIP codes, MMG Insurance's average prices are about 79% less than Encompass Insurance.

Encompass vs. MMG Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many auto 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're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Encompass and MMG offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Encompass knocks MMG out of the park when it comes to the sheer number of discounts available, offering 19 more discounts than MMG.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts. Encompass also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, MMG has a few proprietary discounts of their own for things like ez-pay credit discounts, new business discounts, and renewal discounts.

Final Thoughts: Is Encompass or MMG Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which carrier is the best carrier for you and your specific profile and needs?

MMG might be best for you if....

• You will be the only person on the auto insurance policy.
• You drive fewer than 12,000 miles each year.

Encompass might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Encompass and MMG. We also hope we've given you the information you need to make the best decision about your car insurance.

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

Encompass vs. MMG FAQs

Is Encompass or MMG cheaper?

MMG is the cheaper of the two carriers when looking at national average premiums, with policies averaging $118 a month with MMG and $466 for Encompass. However, that doesn't mean MMG will be the cheapest carrier for everyone, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or MMG?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for every policyholder -- it all boils down to your unique car insurance profile.

Why do Encompass and MMG offer me different rates?

Auto insurance companies use many different variables when calculating the rates they charge. Factors such as age, where you live, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Encompass and MMG calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the 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, Compare.com makes it easy for you to do just that. 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 cheapest rate. And maybe you'll find that the best carrier for you isn't Encompass or MMG 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.