Encompass vs. Noblr Reciprocal Exchange: Which Company is the Best Fit for You?

Wondering if Encompass or Noblr Reciprocal Exchange is the best car insurance carrier for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • In general, Noblr Reciprocal Exchange offers significantly cheaper premiums than Encompass
  • Encompass may help you save more money -- they offer more discounts than Noblr Reciprocal Exchange
  • Noblr Reciprocal Exchange tends to be a much more affordable option for residents of suburban areas


Encompass or Noblr Reciprocal Exchange: Which Company has the Cheapest Car Insurance?

Are you in the market for 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've maybe even narrowed your search down to Encompass or Noblr Reciprocal Exchange as potential options, but which company will offer you less expensive prices?

Encompass Noblr Reciprocal Exchange
$466$79

As you can see, Encompass has average rates that are around 85% a month more expensive than those from Noblr Reciprocal Exchange when looking at the national average rates for insurance.

But that doesn't mean Noblr Reciprocal Exchange will necessarily be more affordable than Encompass for every single driver. Auto insurance carriers use tons of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among a range of other factors), you could see wildly different premiums from the ones above.

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

Encompass vs. Noblr Reciprocal Exchange: Average Car Insurance Rates by State

State Encompass Noblr Reciprocal Exchange
AZ$230$79

Encompass and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. Noblr Reciprocal Exchange drivers tend to pay about $151 per month less on average compared to drivers who use Encompass for their insurance.

There are plenty of other factors that go into your car insurance payment than just where you call home. Keep reading to learn more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

Encompass Noblr Reciprocal Exchange
18-year-old drivers1144$252
25-year-old drivers$373$53

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. That's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of over 80% less a month by choosing Noblr Reciprocal Exchange over Encompass. It's worth noting that Encompass offers car insurance in 31 different states compared to Noblr Reciprocal Exchange's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both companies, you'll see your rates lower significantly by the time drivers turn 25. For example, average prices for Encompass policyholders drop more than 65% and Noblr Reciprocal Exchange's premiums decrease almost 80% over that time.

Which is the Best Company for Retired Drivers?

Encompass Noblr Reciprocal Exchange
65+-year-old drivers$335$48

Drivers around retirement age typically enjoy some of the lowest insurance prices you can find. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise rates.

When looking at Encompass and Noblr Reciprocal Exchange specifically, which carrier is best for retired drivers? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older $287 cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

Encompass Noblr Reciprocal Exchange
Single$572$103
Married$324$47

You may not be aware, but auto insurance prices tend to be less expensive for married drivers than they are for single policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something several car insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with Noblr Reciprocal Exchange prices coming in at about a quarter of Encompass's. The advantage is also clear for married policyholders - Noblr Reciprocal Exchange offers the cheapest average premiums.

Encompass or Noblr Reciprocal Exchange: Average Rates by Gender

Encompass Noblr Reciprocal Exchange
Male$477$81
Female$454$77

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

Generally, women see rates around 5% per month less with Encompass, but with Noblr Reciprocal Exchange, the difference is closer to 5% a month.

Looking at the data for each company specifically, Noblr Reciprocal Exchange comes out as the most affordable option for both genders, with average premiums $396 less for men and $377 cheaper for women.


Find your best rate in just a few minutes


Encompass vs. Noblr Reciprocal Exchange: Compare State Minimum vs. Full Coverage Rates

Encompass Noblr Reciprocal Exchange
State Minimum*$302$46
Full Coverage**$629$112

*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 coverages and terms 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 if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Noblr Reciprocal Exchange has the significant edge, with average monthly prices coming in at $46. If you want a full coverage policy with the same state minimum limits, Noblr Reciprocal Exchange again has the edge, with policies averaging about $112 per month to Encompass's $629.

Is Encompass or Noblr Reciprocal Exchange Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates 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 at-fault accidents on your record, but which of these two companies offers the lowest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass Noblr Reciprocal Exchange
Clean Record$227$64
1 Speeding Ticket$288$78

Policyholders who use Encompass for their insurance can normally expect their monthly bill to go up around 21% after getting a speeding ticket. Noblr Reciprocal Exchange policyholders can expect a less drastic increase of about 18%.

Even so, Noblr Reciprocal Exchange tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering rates that are 72% and 73% more affordable, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass Noblr Reciprocal Exchange
Clean Record$227$64
1 At-Fault Accident$328$90

Encompass drivers who get in an accident can expect to see their premiums increase by over $100, while those who have insurance through Noblr Reciprocal Exchange will see around a $25 increase.

At the end of the day, Noblr Reciprocal Exchange offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $90 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

Encompass Noblr Reciprocal Exchange
Clean Record$227$64
1 DUI1020$83

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

Noblr Reciprocal Exchange has the overall cheapest premiums for drivers with a DUI on their records at $83 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.


Find your best rate in just a few minutes


How does Credit Score Impact Encompass and Noblr Reciprocal Exchange Rates?

Did you know many auto insurance carriers take into account your credit score when determining rates? This isn't true for everyone (for example, Massachusetts and Michigan 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.

So, which carrier offers the lowest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Encompass Noblr Reciprocal Exchange
Excellent Credit Score$350$49
Good Credit Score$396$51

If you have solid credit, Noblr Reciprocal Exchange will typically reward you the most. For drivers with "excellent" credit scores, Noblr Reciprocal Exchange comes in more than 86 less expensive. Drivers with "good" credit scores usually save about 87% with Noblr Reciprocal Exchange compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Encompass Noblr Reciprocal Exchange
Fair Credit Score$470$101
Poor Credit Score$647$114

Noblr Reciprocal Exchange typically offers lower premiums than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 79% per month less with Noblr Reciprocal Exchange compared to Encompass, and those with "poor" scores normally save an average of about 82% monthly.


Find your best rate in just a few minutes


Is Encompass or Noblr Reciprocal Exchange Better for Drivers who Work from Home or Have Short Commutes?

Encompass Noblr Reciprocal Exchange
6,000 Annual Miles$465$79
12,000 Annual Miles$467$79

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 more milage you put on your vehicle, the more likely you are to be in a collision 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 Noblr Reciprocal Exchange charges. However, there's a small difference in monthly prices for Encompass, with drivers who put 6,000 miles on their car annually paying around $2 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Noblr Reciprocal Exchange is the cheaper company.

Encompass or Noblr Reciprocal Exchange: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for insurance. Generally, 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.

Encompass Noblr Reciprocal Exchange
Urban Areas$560$97
Suburban Areas$434$70
Rural Areas$404$70

When comparing these two companies side-by-side, Noblr Reciprocal Exchange usually comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $70 per month with Noblr Reciprocal Exchange compared to Encompass's $404. Drivers in suburban ZIP codes pay around $70 with Noblr Reciprocal Exchange compared to Encompass's $434 a month. For drivers in urban ZIP codes, Noblr Reciprocal Exchange's average premiums are about $97 a month compared to Encompass's $560.

Encompass vs. Noblr Reciprocal Exchange 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 can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Encompass and Noblr Reciprocal Exchange so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Encompass Noblr Reciprocal Exchange
ABS Discount 
Advance Quote Discount 
Advantage Technology Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
Education Discount 
EFT Discount 
Employee Discount 
Fire/Fisher Discount 
Gated Community Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount 
Group Discount 
Homeowner Discount
Military Discount 

Encompass blows Noblr Reciprocal Exchange away when it comes to the sheer amount of discounts available, offering 26 different discounts to Noblr Reciprocal Exchange's eight.

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, Noblr Reciprocal Exchange has a few proprietary discounts of their own for things like advantage technology discounts, continuous insurance discounts, education discounts, and more.


Find your best rate in just a few minutes


Final Thoughts: Is Encompass or Noblr Reciprocal Exchange Best for You?

So, we've broken down the average prices for many of the variables insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the best fit for you?

Noblr Reciprocal Exchange might be best for you if....

  • You like the personalized touch of a small, local company.
  • You have above-average credit.
  • You have a short commute.


Encompass might be best for you if...

  • You're planning on moving to another state soon -- Noblr Reciprocal Exchange is only available in Arizona.
  • You're looking for discounts -- Encompass has the most.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Noblr Reciprocal Exchange and that you can now make a more informed decision when it comes to 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 several carriers, not just Encompass and Noblr Reciprocal Exchange. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.


Find your best rate in just a few minutes


Encompass vs. Noblr Reciprocal Exchange FAQs

Is Encompass or Noblr Reciprocal Exchange cheaper?

Noblr Reciprocal Exchange is the more affordable of the two carriers when looking at national average rates, with policies averaging $79 per month with Noblr Reciprocal Exchange and $466 for Encompass. But that doesn't mean Noblr Reciprocal Exchange will be the most affordable carrier for every driver, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Noblr Reciprocal Exchange?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Encompass and Noblr Reciprocal Exchange offer me different rates?

Auto insurance companies use lots of different variables when calculating the premiums they charge. Factors such as age, your driving record, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Noblr Reciprocal Exchange use different formulas, 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 a bunch of different carriers.

How do I know if Encompass or Noblr Reciprocal Exchange 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 information once and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Encompass or Noblr Reciprocal Exchange 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes