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

Quick Facts

• In general, Nevada Capital offers significantly cheaper prices than Encompass
• Encompass may help you save more money -- they offer more discounts than Nevada Capital Insurance Company
• Nevada Capital has less expensive premiums for policyholders who live in rural neighborhoods

Encompass or Nevada Capital: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Encompass or Nevada Capital for your next policy, but between the two, which company has more affordable rates for auto insurance?

As you can see, Nevada Capital is quite a bit cheaper than Encompass, with prices averaging $125 a month compared to $466 with Encompass when looking at the national average rates for car insurance.

But that doesn't mean Nevada Capital will necessarily be less expensive than Encompass for every single driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your credit score, where you call home, or even your driving record (among other things), so premiums will vary quite a bit from person to person.

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

Encompass vs. Nevada Capital: Average Car Insurance Rates by State

Encompass and Nevada Capital only compete against each other in Nevada, where Nevada Capital offers the cheaper average premiums. Nevada Capital drivers tend to pay about $478 per month less on average compared to drivers who use Encompass for their car insurance.

That being said, there's a lot more that goes into your auto insurance cost than just your home state. 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 other group of drivers out there on the road. That's typically because 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Nevada Capital save over 75% a month compared to those who use Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Nevada Capital's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both companies will drop premiums once you turn 25. For example, average rates for Encompass policyholders lower around $500 and Nevada Capital's premiums reduce about $150 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

So, which carrier offers the best rates to retired drivers? Nevada Capital gets the edge, with premiums for drivers 65 and older almost 75% cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are normally more affordable for married drivers than they are for single drivers? This usually boils down to married policyholders having more than one vehicle on their policy -- something several auto insurance carriers will reward with discounts.

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

Encompass or Nevada Capital: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into collisions. That means when it comes to insurance men will generally end up paying a little more.

On average, women see rates nearly $25 per month cheaper with Encompass, and about $2 less with Nevada Capital.

Looking at overall affordability, Nevada Capital comes out on top for both men and women, with average prices 74% less for men and 73% cheaper for women.

Encompass vs. Nevada Capital: 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 can be a complicated subject for most people. Everyone needs insurance, but there are so many different terms and coverages 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 (that covers property damage and bodily injury for other drivers 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 limits for liability insurance, Nevada Capital has the significant edge, with average monthly premiums coming in at $75. If you want a full coverage policy with the same state minimum limits, Nevada Capital again has the edge, with policies averaging around $174 a month to Encompass's $629.

Is Encompass or Nevada Capital Better for Drivers with Spotty Records?

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

Collisions and speeding tickets will most likely raise your prices, but is Encompass or Nevada Capital more affordable for drivers with less-than-perfect 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 about 21% after getting a speeding ticket. Nevada Capital policyholders can expect a bit more drastic of an increase of around 23%.

However, Nevada Capital is normally the less expensive option for both drivers who have clean records and those with a recent ticket -- their rates are around 61% cheaper for drivers with clean records and 60% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in an accident can expect to see their rates increase by over $100, while those who have insurance through Nevada Capital will see about a $35 increase.

At the end of the day, Nevada Capital offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $126 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 insurance bill -- generally a lot more than a collision or speeding ticket. Encompass drivers usually see a 78% increase in their auto insurance premiums after a DUI charge, while Nevada Capital will usually climb prices by around 47%.

Nevada Capital has the overall most affordable rates for drivers with a DUI on their records at $168 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Nevada Capital, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Nevada Capital Rates?

Did you know many insurance carriers take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for lots of 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 Nevada Capital and Encompass, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Nevada Capital will typically reward you the most. For drivers with "excellent" credit scores, Nevada Capital comes in more than 71.43 more affordable. Drivers with "good" credit scores normally save about 71% with Nevada Capital compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Nevada Capital typically offers lower prices than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 73% per month less with Nevada Capital compared to Encompass, and those with "poor" scores usually save an average of about 76% a month.

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

How much you drive can have a substantial impact on your monthly premiums. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

Nevada Capital tends to be the cheaper option for both remote workers and those taking short commutes. Nevada Capital average prices for drivers with 6,000 annual miles come in nearly $350 less expensive than Encompass. Those who drive 12,000 miles annually can expect to pay just under $350 less with Nevada Capital over Encompass.

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

Where you live can have a big impact on your monthly auto insurance bill. Typically, those who live in urban areas will pay more than policyholders in rural areas due to the number of cars that are on the roads where they live.

Nevada Capital tends to offer the lowest premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around 78% with Nevada Capital compared to Encompass. People who live in suburban areas pay about 74% less with Nevada Capital compared to Encompass. For drivers in urban ZIP codes, Nevada Capital Insurance Company's average rates are around 69% less than Encompass Insurance.

Encompass vs. Nevada Capital 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 with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Encompass and Nevada Capital 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 Nevada Capital out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Nevada Capital's 15.

There are a couple discounts both carriers offer, but Encompass also offers discounts for distant student, driver training, DRL, and more.

On the other hand, Nevada Capital has a few proprietary discounts of their own like multi-car discounts and renewal discounts.

Final Thoughts: Is Encompass or Nevada Capital Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right carrier for you and your specific profile and needs?

Nevada Capital might be best for you if....

• Your driving record includes a DUI charge.
• You live in an urban area.
• You're of retirement age and want to take advantage of lower rates.

Encompass might be best for you if...

• You are considering moving to another state -- Nevada Capital Insurance Company only offers policies to Nevada residents.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Encompass and Nevada Capital and that it aids in making a more informed decision about your 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 car insurance -- comparing quotes from several companies, not just Encompass and Nevada Capital. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Encompass vs. Nevada Capital FAQs

Is Encompass or Nevada Capital cheaper?

Nevada Capital is the more affordable of the two companies when looking at national average premiums, with policies averaging $125 a month with Nevada Capital and $466 for Encompass. That being said, that doesn't mean Nevada Capital will be the cheapest 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 Nevada Capital?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Encompass and Nevada Capital offer me different rates?

Car insurance carriers use a lot of different variables when calculating the rates they charge. Things such as gender, where you park your vehicle, age, your driving record, and sometimes even things like your credit score can all come into play. Both Encompass and Nevada Capital calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the 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 quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Encompass or Nevada Capital 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.