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

How do Encompass and Ohio Mutual compare when it comes to insurance prices and discounts? If you want to find out which company has the best rates for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Ohio Mutual offers significantly less expensive premiums than Encompass
  • Encompass offers more discounts than Ohio Mutual Insurance Company
  • Ohio Mutual offers cheaper average rates for drivers who have received a ticket within the last few years

Encompass vs. Ohio Mutual: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering considerable discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Encompass or Ohio Mutual, but between the two, which company will offer you more affordable prices?

Encompass Ohio Mutual

Looking at the national average rates for both companies, Encompass has average rates that are about 65% per month more expensive than those from Ohio Mutual.

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

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

Encompass or Ohio Mutual: Average Car Insurance Rates by State

State Encompass Ohio Mutual

Encompass and Ohio Mutual only compete against each other in Ohio, where Ohio Mutual offers the cheaper average premiums. For Ohio residents, Ohio Mutual offers insurance for $152 per month on average. Encompass's average prices come out to be over 15% more expensive, at $181 monthly.

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

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Which is the Best Company For Young Drivers?

Encompass Ohio Mutual
18-year-old drivers1144$292
25-year-old drivers$373$146

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car 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. As you can see above, teens who use Ohio Mutual save more than $500 a month compared to those who use Encompass. It's worth noting that Encompass offers insurance in 31 different states compared to Ohio Mutual's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both companies will lower premiums once you turn 25. Ohio Mutual offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average prices reduce over 65% during that same period.

Which is the Best Company for Retired Drivers?

Encompass Ohio Mutual
65+-year-old drivers$335$114

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever find.

But who has the best rates for retired drivers between Encompass and Ohio Mutual? Ohio Mutual gets the edge here, with average prices coming in at around $114 a month compared to Encompass's $335.

Which is the Best Company for Married Drivers?

Encompass Ohio Mutual

Did you know that auto insurance rates are generally more expensive for single drivers than they are for married drivers? This usually boils down to married policyholders having more than one car on their policy -- something lots of car insurance carriers will reward with discounts.

When it comes to relationship status, Ohio Mutual is the clear winner for single policyholders, with premiums about $400 per month cheaper than Encompass, on average. The advantage is also clear for married couples - Ohio Mutual offers the most affordable average rates.

Encompass vs. Ohio Mutual: Average Rates by Gender

Encompass Ohio Mutual

Men usually pay more for insurance than women. This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim.

Usually, women see prices nearly $25 a month more affordable with Encompass, and around $10 cheaper with Ohio Mutual when compared to their male counterparts.

Looking at overall affordability, Ohio Mutual comes out on top for both men and women, with average premiums 67% less for men and 67% cheaper for women.

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Encompass or Ohio Mutual: Compare State Minimum vs. Full Coverage Rates

Encompass Ohio Mutual
State Minimum*$302$74
Full Coverage**$629$230

*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.

Auto insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, most policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage 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, alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Ohio Mutual normally offers significantly less expensive prices of $74 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Ohio Mutual again has the edge, with policies about $400 per month cheaper than Encompass, on average.

Is Encompass or Ohio Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 accidents and tickets lead to higher premiums, but which carrier -- Encompass or Ohio Mutual -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass Ohio Mutual
Clean Record$227$84
1 Speeding Ticket$288$105

Encompass policyholders can expect their premiums to go up an average of $61 a month if they get a ticket, while Ohio Mutual usually raises prices around $21 per month, on average.

Even so, Ohio Mutual has more affordable rates for drivers in both categories, offering prices that are $143 and $183 cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass Ohio Mutual
Clean Record$227$84
1 At-Fault Accident$328$125

Both companies will increase rates pretty significantly if you get into an at-fault accident with Encompass increasing by over $100. Ohio Mutual has a less extreme increase, but you can still expect to pay more than $40 more than you were prior to your first collision.

Overall, Ohio Mutual offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $125 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

Encompass Ohio Mutual
Clean Record$227$84
1 DUI1020$293

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than an accident or speeding ticket. On average, Encompass will climb your rates about 78% after a DUI, while Ohio Mutual's average premiums rise by over 70%.

Ohio Mutual has the overall lowest prices for drivers with a DUI on their records at $293 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Ohio Mutual, so the data may be skewed slightly.

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How does Credit Score Impact Encompass and Ohio Mutual Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly car insurance rates. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

The reasoning auto insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will generally be forced to pay more.

Looking specifically at Encompass and Ohio Mutual, which one has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Encompass Ohio Mutual
Excellent Credit Score$350$98
Good Credit Score$396$124

If you have solid credit, you'll usually find a better deal with Ohio Mutual. Policyholders with "excellent" credit can save more than 70% compared to Encompass, and those with "good" scores can also expect to see savings -- around $272 or 69% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Encompass Ohio Mutual
Fair Credit Score$470$153
Poor Credit Score$647$232

Ohio Mutual typically offers lower prices than Encompass when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $317 a month less with Ohio Mutual compared to Encompass, and those with "poor" scores typically save an average of around $415 a month.

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

Encompass Ohio Mutual
6,000 Annual Miles$465$152
12,000 Annual Miles$467$152

How much you drive can have a large impact on your monthly premiums. That's because the more miles you put on your car, the more likely you are to get into a collision and cause an insurance claim.

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

Encompass vs. Ohio Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a big impact as well. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Encompass Ohio Mutual
Urban Areas$560$155
Suburban Areas$434$153
Rural Areas$404$147

Ohio Mutual tends to offer the cheapest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Ohio Mutual comes out on top with average premiums around $147 monthly. Ohio Mutual also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a 72% and 65% per month respective difference when compared to Encompass drivers in similar areas.

Encompass vs. Ohio Mutual Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

Below, we've compared all of the different discounts offered by Encompass and Ohio Mutual so that you can see which carrier can save you the most money each month.

Encompass Ohio Mutual
ABS Discount
Advance Quote Discount
Anti-Theft Discount
Attentive Driver Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Fire/Fisher Discount 
Gated Community Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Military Discount 

Encompass knocks Ohio Mutual out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Ohio Mutual's 17.

Both carriers offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, distant student discounts, and multi-policy discounts -- but Encompass also offers driver training discounts, DRL discounts, EFT discounts, and more that Ohio Mutual does not.

On the flip side, Ohio Mutual has a couple unique discounts of its own -- attentive driver discounts, continuous insurance discounts, hybrid vehicle discounts, and more.

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Final Thoughts: Is Encompass or Ohio Mutual Best for You?

You've seen the effect certain variables have on your insurance and the different discounts companies offer. But, at the end of the day, which carrier is the best one for you and your specific profile and needs?

Ohio Mutual might be best for you if....

  • You want to save money on your car insurance after an accident.
  • You want basic auto insurance coverage at the state minimum limits.
  • 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're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare Encompass and Ohio Mutual. 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 several carriers, not just Encompass and Ohio Mutual. Luckily, sites like Compare.com do 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.

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Encompass vs. Ohio Mutual FAQs

Is Encompass or Ohio Mutual cheaper?

Looking just at the national average premiums, Ohio Mutual is the more affordable of the two carriers, offering average rates of $152 a month compared to $466 for Encompass. But Ohio Mutual won't necessarily be the cheapest company for each driver, since there are a range of different factors that are considered when it comes to your car insurance payment.

Who is better, Encompass or Ohio Mutual?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Encompass and Ohio Mutual offer me different rates?

Car insurance companies take a look at many different variables when calculating the rates they charge policyholders. Things like your driving record, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Encompass and Ohio Mutual calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance carrier 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Encompass or Ohio Mutual at all!


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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