Encompass vs. Plymouth Rock Assurance: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Plymouth Rock Assurance offers significantly less expensive premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than Plymouth Rock Assurance
• Plymouth Rock Assurance offers cheaper average rates for single people who will be the only person on the auto insurance policy

Encompass or Plymouth Rock Assurance: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Encompass or Plymouth Rock Assurance as potential options, but between the two, which one will offer you more affordable premiums?

Looking at the national average rates for both carriers, Plymouth Rock Assurance is quite a bit cheaper than Encompass, with prices averaging $274 a month compared to $466 with Encompass.

But that doesn't necessarily mean Plymouth Rock Assurance will be the cheaper option for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

Wanting to know if Encompass or Plymouth Rock Assurance 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. Plymouth Rock Assurance: Average Car Insurance Rates by State

Encompass and Plymouth Rock Assurance only compete against each other in one states, with Plymouth Rock Assurance offering less expensive premiums to the average driver in all of them. New Jersey has the most noticable difference, where Plymouth Rock Assurance rates are $118 more affordable than insurance prices at Encompass.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Plymouth Rock Assurance save over 25% per month compared to those who use Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Plymouth Rock Assurance's two, which can skew the average prices a bit, but the difference here is still considerable.

Even so, both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for Encompass policyholders reduce around $500 and Plymouth Rock Assurance's prices decrease more than $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums out there.

When looking at Encompass and Plymouth Rock Assurance specifically, which company is best for retired drivers? Plymouth Rock Assurance gets the edge, with rates for drivers 65 and older over 50% cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance prices than married policyholders. That's because policies for married drivers typically cover several vehicles, which lots of companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is significant, with Plymouth Rock Assurance premiums coming in at a third less than Encompass's. The advantage for married couples with Plymouth Rock Assurance is also obvious, where drivers save about $150 a month.

Encompass or Plymouth Rock Assurance: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll usually end up paying more for insurance than women.

With Encompass, women normally pay around 5% per month less than men, and almost 10% less with Plymouth Rock Assurance when compared to their male counterparts.

Looking at overall affordability, Plymouth Rock Assurance comes out as the lowest option for both genders. On average, women save about $194 a month and men save about $190 with Plymouth Rock Assurance compared to the average Encompass policyholder.

Encompass vs. Plymouth Rock Assurance: 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, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Plymouth Rock Assurance has the significant edge, with average monthly prices coming in at $165. If you want a full coverage policy with the same state minimum limits, Plymouth Rock Assurance again has the edge, with policies averaging around $383 per month to Encompass's $629.

Is Encompass or Plymouth Rock Assurance 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.

Collisions and speeding tickets will most likely raise your rates, but is Encompass or Plymouth Rock Assurance less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their car insurance can generally expect their monthly bill to go up about 21% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of around 37%.

If you have gotten a ticket, Encompass tends to offer the best premiums at about 12% more affordable, while Plymouth Rock Assurance has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in a collision can expect to see their rates increase by over 30%, while those who have insurance through Plymouth Rock Assurance will see around a 20% increase.

At the end of the day, drivers who use Plymouth Rock Assurance end up with the cheaper prices after an accident, with average prices coming in at $262 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 -- usually a lot more than an accident or speeding ticket. On average, Encompass will climb your premiums about 78% after a DUI, while Plymouth Rock Assurance's average rates climb by nearly 30%.

Plymouth Rock Assurance has the overall cheapest prices for drivers with a DUI on their records at $296 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just two for Plymouth Rock Assurance, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Plymouth Rock Assurance Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for a lot of policyholders.

The reasoning auto insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

Looking at Encompass and Plymouth Rock Assurance specifically, which carrier has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Plymouth Rock Assurance will generally reward you the most. For drivers with "excellent" credit scores, Plymouth Rock Assurance comes in more than 30.86 less expensive. Drivers with "good" credit scores normally save around 32% with Plymouth Rock Assurance compared to average premiums from Encompass.

Which Company is Best for Drivers with Bad Credit?

Plymouth Rock Assurance typically offers lower prices than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 34% a month less with Plymouth Rock Assurance compared to Encompass, and those with "poor" scores usually save an average of around 32% monthly.

Is Encompass or Plymouth Rock Assurance 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 sizable impact on your monthly premiums? Generally, the more milage you drive, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Plymouth Rock Assurance 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 annually. Still, for drivers in both categories, Plymouth Rock Assurance is the more affordable carrier.

Encompass or Plymouth Rock Assurance: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a big impact on your monthly car insurance payment. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more cars on the road where they live, which increases the chances of an accident.

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

Those in rural areas can expect to save around $221 with Plymouth Rock Assurance compared to Encompass. People who live in suburban areas pay about $151 less with Plymouth Rock Assurance compared to Encompass. For policyholders in urban ZIP codes, Plymouth Rock Assurance's average prices are around $205 less than Encompass Insurance.

Encompass vs. Plymouth Rock Assurance 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 insurance discounts as possible.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Encompass and Plymouth Rock Assurance so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Encompass blows Plymouth Rock Assurance away when it comes to the sheer amount of discounts available, offering 10 more discounts than Plymouth Rock Assurance.

There are a couple discounts both companies offer, but Encompass also offers discounts for ABS, DRL, EFT, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own for things like agency transfer discounts, mature driver discounts, multi-car discounts, and more.

Final Thoughts: Is Encompass or Plymouth Rock Assurance Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance company is the best company for you, your vehicle, and your wallet?

Plymouth Rock Assurance might be best for you if....

• Your driving record contains an at-fault collision.
• You're of retirement age and want to take advantage of lower premiums.

Encompass might be best for you if...

• You're planning on moving to another state soon -- Plymouth Rock Assurance only offers policies to Massachusetts and New Jersey residents.
• You've received a ticket for speeding recently and don't want to see your rates rise.
• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Plymouth Rock Assurance and that it aids in making a more informed decision about your car 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 insurance -- comparing quotes from several companies, not just Encompass and Plymouth Rock Assurance. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Encompass vs. Plymouth Rock Assurance FAQs

Is Encompass or Plymouth Rock Assurance cheaper?

Plymouth Rock Assurance is the less expensive of the two companies when looking at national average prices, with policies averaging $274 per month with Plymouth Rock Assurance and $466 for Encompass. However, that doesn't mean Plymouth Rock Assurance will be the most affordable carrier for everyone, since there are several different factors that are considered when it comes to your auto insurance bill.

Who is better, Encompass or Plymouth Rock Assurance?

Sadly, the real answer is "it depends.". No one company is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Encompass and Plymouth Rock Assurance offer me different rates?

Car insurance carriers use many different variables when calculating the rates they charge. Things such as where you park your vehicle, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both Encompass and Plymouth Rock Assurance calculate premiums differently, 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 range of different companies.

How do I know if Encompass or Plymouth Rock Assurance is right for me?

The only way to find the auto insurance company 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 do all the hard work for you. Just enter your area information 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 price. And maybe you'll find that the best carrier for you isn't Encompass or Plymouth Rock Assurance 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.