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

If you're in the market for a new auto insurance policy, you might be wondering how Motorists and Encompass compare when it comes to the most affordable premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

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

Encompass or Motorists: 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 pretty big savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Encompass or Motorists, but which carrier will offer you less expensive premiums?

Encompass Motorists

Looking at nationwide averages, Encompass has average rates that are around 45% a month more expensive than those from Motorists.

But that doesn't necessarily mean Motorists will be the more affordable option for each driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

Encompass vs. Motorists: Average Car Insurance Rates by State

State Encompass Motorists

Encompass and Motorists compete against each other in five states, with Motorists offering less expensive premiums to the average driver in all of them. Kentucky has the most noticable difference, where Motorists rates are $604 cheaper than insurance prices at Encompass.

That being said, there are plenty of other factors that go into your car insurance payment than just your home state. Read on to learn more.

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Which is the Best Company For Young Drivers?

Encompass Motorists
18-year-old drivers1144$415
25-year-old drivers$373$234

You might already know that teen drivers usually pay a lot more for auto insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Motorists save over 65% per month compared to those who use Encompass.

That being said, both companies will offer you dramatically lower premiums by the time you turn 25. Motorists offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average prices decrease more than 65% during that same period.

Which is the Best Company for Retired Drivers?

Encompass Motorists
65+-year-old drivers$335$219

Once you approach retirement age, you'll normally enjoy the cheapest 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 auto insurance.

When looking at Encompass and Motorists specifically, which carrier is best for retired drivers? Motorists gets the edge, with rates for drivers 65 and older $116 more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

Encompass Motorists

You may not be aware, but insurance premiums tend to be cheaper for married couples than they are for those who are single. That's because policies for married policyholders typically cover several vehicles, which a lot of carriers will give you a discount for.

For single drivers, the difference in average prices between these two companies is significant, with Motorists premiums coming in at about half of Encompass's. The advantage for married drivers with Motorists is also obvious, where drivers save over 30% a month.

Encompass or Motorists: Average Rates by Gender

Encompass Motorists

You may not know, but car insurance is generally cheaper for women than it is for men. This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher rates.

With Encompass, women typically pay around $25 per month less than men, and about $12 less with Motorists.

Looking at the data for each company specifically, Motorists offers the lowest average prices for both men and women, with average premiums 46% less for men and 46% cheaper for women.

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Encompass vs. Motorists: Compare State Minimum vs. Full Coverage Rates

Encompass Motorists
State Minimum*$302$123
Full Coverage**$629$379

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

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability insurance, Motorists has the significant edge, with average monthly rates coming in at $123. If you want a full coverage policy with the same state minimum limits, Motorists again has the edge, with policies averaging around $379 a month to Encompass's $629.

Is Encompass or Motorists Better for Drivers with Spotty Records?

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- Encompass or Motorists -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass Motorists
Clean Record$227$169
1 Speeding Ticket$288$187

Policyholders who use Encompass for their insurance can generally expect their monthly bill to go up about 21% after getting a speeding ticket. Motorists policyholders can expect a less drastic increase of around 10%.

That being said, Motorists tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are $58 and $101 less expensive, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass Motorists
Clean Record$227$169
1 At-Fault Accident$328$206

Both carriers will raise rates pretty significantly if you get into an at-fault accident with Encompass increasing by about 31%. Motorists has a less extreme raise, but you can still expect to pay nearly 20% more than you were prior to your first collision.

At the end of the day, the more affordable premiums come from Motorists, with average prices coming in at $206 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

Encompass Motorists
Clean Record$227$169
1 DUI1020$442

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. For example, Encompass increases average premiums by more than $500 per month -- that's just under a 80% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Motorists tends to be less expensive for the average driver, with monthly premiums coming in at around $442 to Encompass's 1020.

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How does Credit Score Impact Encompass and Motorists Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance rates. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it will come into play for quite a few drivers.

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, policyholders with bad credit will often be forced to pay more.

So, which company offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Encompass Motorists
Excellent Credit Score$350$159
Good Credit Score$396$185

If you have great credit, Motorists will normally reward you the most. For policyholders with "excellent" credit scores, Motorists comes in nearly 54.57 cheaper. Drivers with "good" credit scores generally save about 53% with Motorists compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Encompass Motorists
Fair Credit Score$470$231
Poor Credit Score$647$429

Motorists typically offers lower prices than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 51% a month less with Motorists compared to Encompass, and those with "poor" scores typically save an average of about 34% a month.

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

Encompass Motorists
6,000 Annual Miles$465$246
12,000 Annual Miles$467$256

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Motorists offers more affordable premiums than Encompass. Motorists's average prices for drivers with 6,000 annual miles come in around 47% cheaper than Encompass. Those who drive 12,000 miles every year can expect to pay about 45% less with Motorists over Encompass.

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

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

Encompass Motorists
Urban Areas$560$286
Suburban Areas$434$215
Rural Areas$404$252

Motorists boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Motorists Insurance Group's average rates are around $274 less than Encompass Insurance. People who live in suburban areas pay about $219 less with Motorists compared to Encompass. Those in rural areas can expect to save around $152 with Motorists compared to Encompass.

Encompass vs. Motorists 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 where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Encompass and Motorists so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Encompass Motorists
ABS Discount
Advance Quote Discount
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Empty Nester Discount 
Fire/Fisher Discount 
Gated Community Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount 
Group Discount 
Homeowner Discount
Hybrid Vehicle Discount 
Life Policy Discount 
Marital Status Discount 

Encompass blows Motorists away when it comes to the sheer amount of discounts available, offering 26 different discounts to Motorists's 14.

Both companies offer several of the same discounts -- like ABS discounts, anti-theft discounts, discounts for being a homeowner, and passive restraint discounts -- but Encompass also offers discounts for distant student, driver training, DRL, and more.

On the other hand, Motorists has a few proprietary discounts of their own for things like empty nester discounts, hybrid vehicle discounts, life policy discounts, and more.

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Final Thoughts: Is Encompass or Motorists Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best company for you and your specific needs?

Motorists might be best for you if....

  • You live in one of the following states: Indiana, Kentucky, Ohio, Pennsylvania, and West Virginia.
  • You want the most robust protection via a "full coverage" policy.
  • You're of retirement age and want to take advantage of lower premiums.

Encompass might be best for you if...

  • You are considering moving to another state -- Motorists Insurance Group only offers policies in five states.
  • You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Encompass and Motorists and that it aids in making a more informed decision about your car insurance.

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

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Encompass vs. Motorists FAQs

Is Encompass or Motorists cheaper?

Motorists is the less expensive of the two companies when looking at national average rates, with policies averaging $251 per month with Motorists and $466 for Encompass. But that doesn't mean Motorists will be the most affordable company for each driver, since there are multiple different variables that come into play when it comes to your auto insurance cost.

Who is better, Encompass or Motorists?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all boils down to your unique car insurance profile.

Why do Encompass and Motorists offer me different rates?

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

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

The only way to find the auto 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 ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Encompass or Motorists at all, but another you hadn't even thought of!


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.

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