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

Quick Facts

• Based on national averages for auto insurance, Oregon Mutual offers significantly cheaper rates than Encompass
• Encompass may help you save more money -- they offer more discounts than Oregon Mutual
• Oregon Mutual offers more affordable premiums for policyholders who drive a short distance to work everyday

Encompass or Oregon Mutual: 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 huge savings, but exactly how much money can you save by switching?

You might be considering Encompass or Oregon Mutual for your next policy, but between the two, which carrier will save you the most?

As you can see, Oregon Mutual is quite a bit cheaper than Encompass, with prices averaging $135 a month compared to $466 with Encompass when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean Oregon Mutual will be the less expensive option for every driver. Car insurance carriers vary their rates depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and a variety of other factors. So, at the end of the day, premiums from every company will differ quite a bit from person to person.

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

Encompass vs. Oregon Mutual: Average Car Insurance Rates by State

Encompass and Oregon Mutual only compete against each other in two states, with Oregon Mutual offering more affordable premiums to the average driver in all of them. Washington has the most noticable difference, where Oregon Mutual rates are $314 less expensive than auto insurance premiums at Encompass.

That being said, there's a lot more that goes into your insurance cost 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 generally pay a lot more for car insurance than any other group of drivers. Usually, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Oregon Mutual save over 70% per month compared to those who use Encompass. It's worth noting that Encompass offers insurance in 31 different states compared to Oregon Mutual's three, which can skew the average prices a bit, but the difference here is still considerable.

However, both companies will decrease rates by the time drivers turn 25. For example, average premiums for Encompass policyholders drop more than 65% and Oregon Mutual's rates lower almost 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise rates.

When looking at Encompass and Oregon Mutual specifically, which company is best for retired drivers? Oregon Mutual gets the edge here, with average premiums coming in at around $100 a month compared to Encompass's $335.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more affordable for married policyholders than they are for single drivers. That's usually because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with Oregon Mutual prices coming in at about a quarter of Encompass's. The advantage for married drivers with Oregon Mutual is also obvious, where drivers save over 70% a month.

Encompass or Oregon Mutual: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to auto insurance men will typically end up paying a little more.

Women generally pay around $25 per month less than men with Encompass, and about $12 less with Oregon Mutual.

Looking at the data for each carrier specifically, Oregon Mutual offers the cheapest average premiums for both men and women, with average rates 70% less for men and 72% cheaper for women.

Encompass vs. Oregon Mutual: 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.

For most people, insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and terms 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 (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Oregon Mutual has the significant edge, with average monthly prices coming in at $97. If you want a full coverage policy with the same state minimum limits, Oregon Mutual again has the edge, with policies averaging around $172 a month to Encompass's $629.

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

You've probably seen plenty of commercials from auto insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Collisions and speeding tickets will most likely raise your prices, but is Encompass or Oregon Mutual cheaper 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 normally expect their monthly bill to go up about 21% after getting a speeding ticket. Oregon Mutual policyholders can expect a less drastic increase of around 9%.

However, Oregon Mutual has less expensive premiums for drivers in both categories, offering rates that are $116 and $166 more affordable, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in an accident can expect to see their prices increase by over $100, while those who have insurance through Oregon Mutual will see about a $20 increase.

At the end of the day, Oregon Mutual offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $133 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 -- typically a lot more than a collision or ticket. On average, Encompass will increase your premiums around 78% after a DUI, while Oregon Mutual's average rates climb by more than 35%.

Oregon Mutual has the overall most affordable prices for drivers with a DUI on their records at $171 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just three for Oregon Mutual, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Oregon Mutual Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of policyholders out there.

Car 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 premiums.

Looking at Encompass and Oregon Mutual specifically, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Oregon Mutual will normally reward you the most. For drivers with "excellent" credit scores, Oregon Mutual comes in over 66.86 more affordable. Drivers with "good" credit scores usually save about 69% with Oregon Mutual compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower prices than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 72% per month less with Oregon Mutual compared to Encompass, and those with "poor" scores generally save an average of about 74% monthly.

Is Encompass or Oregon Mutual 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 big impact on your monthly rates? That's because the more milage you put on your car each year, the more likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Oregon Mutual tends to be the cheaper option. Encompass's average premiums for drivers with 6,000 annual miles come in around 72% more expensive than Oregon Mutual. Those who drive 12,000 miles annually can expect to pay about 71% more with Encompass over Oregon Mutual.

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

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

Oregon Mutual tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Oregon Mutual's average premiums are around $151 while Encompass offers prices about $560. Drivers in suburban ZIP codes pay a monthly price of around $138 with Oregon Mutual compared to $434 with Encompass. Those in rural areas can expect to pay about $115 per month with Oregon Mutual and $404 with Encompass.

Encompass vs. Oregon Mutual Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Encompass and Oregon Mutual offer their customers 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 Oregon Mutual away when it comes to the sheer amount of discounts available, offering 26 different discounts to Oregon Mutual's 15.

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

On the other hand, Oregon Mutual has a few proprietary discounts of their own for things like csl discounts, legacy discounts, low mileage discounts, and more.

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

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best one for you and your specific needs?

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

• You have an at-fault accident on your record.
• Your credit score is high.
• You are purchasing your car insurance with a spouse.

Encompass might be best for you if...

• You already have plans to move to another state -- Oregon Mutual only offers policies in three states.
• You're looking for discounts -- Encompass has the most.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Oregon Mutual 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 auto insurance -- comparing quotes from multiple companies, not just Encompass and Oregon Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Encompass vs. Oregon Mutual FAQs

Is Encompass or Oregon Mutual cheaper?

Oregon Mutual is the less expensive of the two companies when looking at national average premiums, with policies averaging $135 a month with Oregon Mutual and $466 for Encompass. But that doesn't mean Oregon Mutual will be the lowest company for each policyholder, since there are a range of different factors that come into play when it comes to your auto insurance bill.

Who is better, Encompass or Oregon Mutual?

Sadly, the real answer is "it depends.". No one carrier is "better" for every policyholder -- it all boils down to your unique car insurance profile.

Why do Encompass and Oregon Mutual offer me different rates?

Insurance carriers use lots of different variables when determining the prices they charge. Things such as where you call home, age, gender, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Oregon Mutual calculate premiums differently, 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 multiple different companies.

How do I know if Encompass or Oregon Mutual 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 information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Encompass or Oregon Mutual 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.