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

Quick Facts

• Based on national averages for insurance, Nevada General offers significantly less expensive prices than Encompass
• Encompass offers more discounts than Nevada General Insurance Company
• Nevada General offers cheaper average premiums for drivers who have received a ticket within the last few years

Encompass vs. Nevada General: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering sizable discounts, but exactly how much money can you save by switching?

You might be considering Encompass or Nevada General, but between the two, which carrier will save you the most?

Looking at nationwide averages, Nevada General has average rates that are about 45% per month more affordable than those from Encompass.

But that doesn't mean Nevada General will necessarily be less expensive than Encompass for every single driver. Auto insurance companies vary their rates depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and a ton of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

Wanting to know if Encompass or Nevada General is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Encompass or Nevada General: Average Car Insurance Rates by State

Encompass and Nevada General only compete against each other in Nevada, where Nevada General offers the cheaper average premiums. For Nevada residents, Nevada General offers insurance for $249 per month on average. Encompass's average prices come out to be over 70% more expensive, at $603 a month.

There are plenty of other factors that go into your car insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

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 Nevada General for their car insurance pay more than $500 less than those who use Encompass. It's worth noting that Encompass offers insurance in 31 different states compared to Nevada General's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your rates reduce significantly once you turn 25. For example, average prices for Encompass policyholders decrease over 65% and Nevada General's rates drop more than 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest car insurance prices you can find. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase premiums.

So, which carrier offers the best prices to retired drivers? Nevada General gets the edge here, with average rates coming in at around $188 monthly compared to Encompass's $335.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more affordable for married drivers than they are for those who are single? That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Nevada General is the clear winner for single drivers, with prices about $276 a month cheaper than Encompass, on average. For married couples, the advantage is clear again - Nevada General has the edge when it comes to average premiums.

Encompass vs. Nevada General: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to auto insurance men will typically end up paying a little more.

On average, men see rates nearly $25 per month higher with Encompass, while with Nevada General, the difference is closer to $5 a month.

Looking at the data for each company specifically, Nevada General comes out on top for both men and women. On average, women save about $208 per month and men save around $226 with Nevada General compared to the average Encompass policyholder.

Encompass or Nevada General: 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 insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability limits, Nevada General generally offers significantly less expensive prices of $150 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Nevada General again has the edge, with policies about $300 a month more affordable than Encompass, on average.

Is Encompass or Nevada General 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.

It's no secret secret that at-fault collisions and tickets lead to higher premiums, but which carrier -- Encompass or Nevada General -- has the lowest rates for drivers with less-than-perfect 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 Nevada General normally raises rates around $22 a month, on average.

Even so, Nevada General is usually the cheaper option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 8% more affordable for drivers with clean records and 20% cheaper 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 prices climb by over $100, while those who have insurance through Nevada General will see about a $50 increase.

Overall, the less expensive rates come from Nevada General, with monthly premiums averaging $257 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 -- generally a lot more than a collision or ticket. On average, Encompass will raise your prices around 78% after a DUI, while Nevada General's average rates rise by just under 30%.

Nevada General has the overall most affordable prices for drivers with a DUI on their records at $298 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Nevada General, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Nevada General Rates?

Did you know that many insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for several policyholders.

Auto insurance companies 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, drivers with good credit will often be rewarded with cheaper rates.

So, which company offers the lowest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Nevada General. Drivers with "excellent" credit can save nearly 30% compared to Encompass, and those with "good" scores can also expect to see savings -- about $147 or 37% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Nevada General typically offers lower prices than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $221 per month less with Nevada General compared to Encompass, and those with "poor" scores typically save an average of about $398 monthly.

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

Did you know that the amount of time you spend in your car have a considerable impact on your monthly car insurance cost? Normally, the more miles you put on your car each year, 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 Nevada General charges. However, there's a small difference in monthly premiums for Encompass, with drivers who put 6,000 miles on their vehicle yearly paying around $2 less each month compared to those who drive 12,000 miles every year. Still, Nevada General is the less expensive option for drivers in both categories.

Encompass vs. Nevada General: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for insurance. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Nevada General generally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Nevada General Insurance Company's average premiums are about 38% less than Encompass Insurance. Drivers in suburban ZIP codes pay around 56% less with Nevada General compared to Encompass. If you live in a rural area, you can expect to save about 48% with Nevada General compared to Encompass.

Encompass vs. Nevada General Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Below, we've broken down all of the different discounts offered by both Encompass and Nevada General so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both companies offer, but Encompass also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Nevada General does not.

On the flip side, Nevada General has a couple unique discounts of its own -- agency transfer discounts, online quote discounts, and renewal discounts.

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

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best one for you and your specific needs?

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

• You haven't received any speeding tickets or been in an accident in the last few years.
• Your credit is less-than-stellar.
• You drive fewer than 12,000 miles annually.

Encompass might be best for you if...

• You value the experience that comes with a large national insurance company.
• You care about discounts (Encompass offers the most).

We hope this guide helps you get a good idea of the differences between Encompass and Nevada General. 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 auto insurance policy is to compare quotes from multiple carriers, not just Encompass and Nevada General. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Encompass vs. Nevada General FAQs

Is Encompass or Nevada General cheaper?

Looking just at the national average prices, Nevada General is the cheaper of the two carriers, offering average rates of $249 a month compared to $466 for Encompass. However, Nevada General won't necessarily be the lowest carrier for everyone, since there are a range of different variables that are considered when it comes to your car insurance payment.

Who is better, Encompass or Nevada General?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Encompass and Nevada General offer me different rates?

Auto insurance companies take a look at lots of different factors when determining the rates they charge policyholders. Variables such as your driving record, age, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Encompass and Nevada General calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance company 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 free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Encompass or Nevada General 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.