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

Quick Facts

• Looking at the national averages for auto insurance, Pekin offers significantly more affordable premiums than Encompass
• Encompass offers more discounts than Pekin Insurance
• Pekin has cheaper prices for couples purchasing insurance together

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Encompass or Pekin as your top options, but between the two, which company will save you the most?

As you can see, Encompass is quite a bit more expensive than Pekin, with rates averaging $466 per month compared to just $74 with Pekin when looking at the national average rates for car insurance.

That being said, Pekin may not be the lowest or best option for each driver out there. Auto insurance companies use all sorts of complex algorithms to calculate prices, so depending on where you live or how old you are (among multiple other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Encompass or Pekin is really the best for you, keep reading to see average rates for each company broken down by several different rate factors.

Encompass or Pekin: Average Car Insurance Rates by State

Encompass and Pekin only compete against each other in Indiana, where Pekin offers the cheaper average prices. For Indiana residents, Pekin offers car insurance for $74 a month on average. Encompass's average premiums come out to be over 70% more expensive, at $144 per month.

There's a lot more that goes into your auto insurance bill than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group on the road. That's because young, inexperienced 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. As you can see above, teens who use Pekin save more than $500 a month compared to those who use Encompass. It's worth noting that Encompass offers car insurance in 31 different states compared to Pekin's one, which can skew the average rates a bit, but the difference here is still considerable.

However, with both carriers, you'll see your premiums decrease significantly by the time you turn 25. Pekin offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Encompass's average rates lower over 65% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you can find.

So, which carrier offers the best prices to retired drivers? Pekin gets the edge, with rates for drivers 65 and older $277 less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Pekin is the clear winner for single drivers, with prices about $484 per month more affordable than Encompass, on average. The advantage is also clear for married policyholders - Pekin offers the cheapest average premiums.

Encompass vs. Pekin: Average Rates by Gender

Women normally to pay less for car insurance than men. This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim.

On average, men see rates nearly $25 a month higher with Encompass, while with Pekin, the difference is closer to $1 per month.

When it comes to the lowest prices for each gender, Pekin comes out on top for both men and women. On average, women save about $380 a month and men save around $402 with Pekin compared to the average Encompass policyholder.

Encompass or Pekin: 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.

Insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for many 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.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability insurance, Pekin generally offers significantly cheaper premiums of $46 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Pekin again has the edge, with policies about $500 per month less expensive than Encompass, on average.

Is Encompass or Pekin Better for Drivers with Spotty Records?

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

It's no secret secret that accidents and tickets lead to higher rates, but which company -- Encompass or Pekin -- has the most affordable premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass policyholders can expect their rates to go up an average of $61 a month if they get a ticket, while Pekin typically raises prices around $13 per month, on average.

But Pekin tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 76% more affordable for drivers with clean records and 77% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Encompass can expect to see about an $101 -- or around 31% -- increase in their car insurance premiums. Drivers who use Pekin for their auto insurance will see a monthly bill about $19 (or 26%) more expensive after reporting an accident to their car insurance carrier.

Overall, drivers who use Pekin end up with the cheaper prices after an accident, with monthly rates averaging $73 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 -- generally a lot more than a collision or ticket. On average, Encompass will increase your prices around 78% after a DUI, while Pekin's average premiums increase by just under 50%.

Pekin has the overall lowest rates for drivers with a DUI on their records at $104 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Pekin, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Pekin Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

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

Looking at Encompass and Pekin specifically, which carrier has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Pekin. Policyholders with "excellent" credit can save over 85% compared to Encompass, and those with "good" scores can also expect to see savings -- about $336 or 85% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Pekin typically offers lower premiums than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $394 a month less with Pekin compared to Encompass, and those with "poor" scores typically save an average of about $533 a month.

Is Encompass or Pekin 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 how much car insurance carriers will charge for coverage. Normally, the more miles you drive, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Pekin tends to be the cheaper option. Encompass average prices for drivers with 6,000 annual miles come in around $397 more expensive than Pekin. Those who drive 12,000 miles yearly can expect to pay about $386 more with Encompass over Pekin.

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

Where you park your car can have a large impact on your monthly insurance cost. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Pekin boasts the lowest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save around 83% with Pekin compared to Encompass. Drivers in suburban ZIP codes pay about 84% less with Pekin compared to Encompass. In urban areas, Pekin Insurance's average premiums are around 85% less than Encompass Insurance.

Encompass vs. Pekin 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 taking advantage of as many insurance discounts as you can.

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

Below, we've taken a look at all of the different discounts Encompass and Pekin offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Encompass blows Pekin away when it comes to the sheer amount of discounts available, offering 16 more discounts than Pekin.

There are a couple discounts both companies offer, but Encompass also offers ABS discounts, distant student discounts, driver training discounts, and more that Pekin does not.

On the flip side, Pekin has a couple unique discounts of its own -- hybrid vehicle discounts and discounts for insuring multiple cars with the same company.

Final Thoughts: Is Encompass or Pekin Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which company is the right one for you and your specific profile and needs?

Pekin might be best for you if....

• You like the personalized touch of a small, regional carrier.
• You have below-average credit.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Encompass might be best for you if...

• You are considering moving to another state -- Pekin Insurance is only available in Indiana.
• You're looking for discounts -- Encompass has the most.

We hope this guide helps you get a good idea of the differences between Encompass and Pekin and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Encompass and Pekin. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Encompass vs. Pekin FAQs

Is Encompass or Pekin cheaper?

Looking just at the national average rates, Pekin is the more affordable of the two companies, offering average rates of $74 per month compared to $466 for Encompass. Even so, Pekin won't necessarily be the most affordable company for everyone, since there are lots of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Encompass or Pekin?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Encompass and Pekin offer me different rates?

Car insurance carriers take a look at lots of different variables when calculating the prices they charge drivers. Factors like where your home is, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Encompass and Pekin calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Encompass or Pekin 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.