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

Quick Facts

• In general, Omni offers significantly more affordable premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than Omni Insurance
• Omni offers cheaper average rates for drivers with a DUI

Encompass or Omni: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might have narrowed it down to Encompass or Omni as your top options, but between the two, which carrier has less expensive premiums for insurance?

Looking at nationwide averages, Encompass is quite a bit more expensive than Omni, with rates averaging $466 a month compared to just $181 with Omni.

However, Omni may not be the lowest or best option for each driver out there. Car insurance carriers vary their prices depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors. So, at the end of the day, premiums from every company will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Encompass and Omni by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Encompass vs. Omni: Average Car Insurance Rates by State

Encompass and Omni only compete against each other in one states, with Omni offering more affordable rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni premiums are $357 cheaper than auto insurance rates at Encompass.

That being said, there's a lot more that goes into your insurance payment than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 60% less per month by choosing Omni over Encompass.

That being said, with both companies, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Encompass policyholders drop around $500 and Omni's prices decrease about $350 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which company offers the best rates to retired drivers? Omni gets the edge, with premiums for drivers 65 and older $203 less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be cheaper for married couples than they are for those who are single. This usually boils down to married policyholders having more than one vehicle on their policy -- something lots of car insurance carriers will reward with discounts.

For single policyholders, the difference in average prices between these two companies is significant, with Omni premiums coming in at around a third of Encompass's. For married drivers, the advantage is clear again - Omni has the edge when it comes to average rates.

Encompass or Omni: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will generally end up paying a little more.

Generally, women see prices almost $25 a month more affordable with Encompass, and about $15 cheaper with Omni when compared to their male counterparts.

Looking at overall affordability, Omni offers the most affordable average rates for both men and women, with average premiums 60% less for men and 62% cheaper for women.

Encompass vs. Omni: 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 several different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two 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 an accident) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, Omni has the significant edge, with average monthly prices coming in at $104. If you want a full coverage policy with the same state minimum limits, Omni again has the edge, with policies averaging around $258 per month to Encompass's $629.

Is Encompass or Omni 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.

Speeding tickets and collisions will most likely raise your rates, but is Encompass or Omni less expensive for drivers with less-than-ideal driving 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. Omni policyholders can expect a less drastic increase of around 4%.

Even so, Omni tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are 26% and 39% cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in a collision can expect to see their prices increase by over 30%, while those who have insurance through Omni will see about a 15% increase.

At the end of the day, the more affordable rates come from Omni, with average prices coming in at $203 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Encompass drivers usually see a 78% raise in their car insurance premiums after a DUI charge, while Omni will generally increase prices by around 6%.

But if you end up with a DUI charge and are looking for more affordable rates, Omni tends to be less expensive for the average driver, with monthly premiums coming in at about $178 to Encompass's 1020.

How does Credit Score Impact Encompass and Omni Rates?

Did you know many insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

Auto 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 best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. That's because the fewer miles you put on your car, the less likely you are to be in an accident 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 Omni charges. However, there's a small difference in monthly premiums for Encompass, with policyholders who drive 6,000 miles each year paying around $2 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Omni is the cheaper company.

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

Where you call home can play a big role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads where they live.

When comparing these two carriers side-by-side, Omni typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about $270 with Omni compared to Encompass. People who live in suburban areas pay around $291 less with Omni compared to Encompass. For policyholders in urban ZIP codes, Omni Insurance's average rates are about $293 less than Encompass Insurance.

Encompass vs. Omni Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Encompass and Omni offer their customers so that you can see which company can save you the most money each month.

Encompass knocks Omni out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Omni's 13.

A couple of those are overlapping for things like anti-theft discounts, group discounts, and discounts for being a homeowner. Encompass also offers discounts for ABS, distant student, driver training, and more.

On the other hand, Omni has a few proprietary discounts of their own for things like agency transfer discounts, cellphone safety discounts, multi-car discounts, and more.

Final Thoughts: Is Encompass or Omni Best for You?

So, you've seen how different factors can affect your insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Encompass or Omni the right fit for you?

Omni might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You already have a great credit score.
• You're of retirement age and want to take advantage of lower rates.

Encompass might be best for you if...

• You care about discounts (Encompass offers the most).

Hopefully, this guide helps you get a good idea of the differences between Encompass and Omni. 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 companies, not just Encompass and Omni. 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 top insurance carriers in your area, all in just a few minutes.

Encompass vs. Omni FAQs

Is Encompass or Omni cheaper?

Omni is the less expensive of the two companies when looking at national average prices, with policies averaging $181 a month with Omni and $466 for Encompass. But that doesn't mean Omni will be the lowest company for everyone, since there are multiple different variables that are considered when it comes to your auto insurance bill.

Who is better, Encompass or Omni?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Encompass and Omni offer me different rates?

Car insurance carriers use many different factors when calculating the premiums they charge. Variables such as gender, where you park your car, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Omni calculate prices using different factors, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of 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. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Encompass or Omni 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.