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

Quick Facts

• Based on national averages for auto insurance, Quincy Mutual Group offers significantly more affordable premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than Quincy Mutual Group
• Quincy Mutual Group tends to be a much less expensive option for drivers who have below-average credit

Encompass or Quincy Mutual Group: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Encompass or Quincy Mutual Group as your top options, but which one has cheaper prices for insurance?

Looking at the national average rates for both carriers, Encompass has average rates that are around 50% a month more expensive than those from Quincy Mutual Group.

However, that doesn't mean Quincy Mutual Group will necessarily be less expensive than Encompass for every single driver. Auto insurance companies use a ton of complex algorithms to determine premiums, so depending on how clean your driving record is or where you live (among a wide array of other factors), you could see wildly different rates from the ones above.

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

Encompass vs. Quincy Mutual Group: Average Car Insurance Rates by State

Encompass and Quincy Mutual Group only compete against each other in one states, with Quincy Mutual Group offering more affordable rates to the average driver in all of them. Rhode Island has the most noticable difference, where Quincy Mutual Group premiums are $384 cheaper than car insurance rates at Encompass.

That being said, there's a lot more that goes into your auto insurance cost than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's typically because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 55% less per month by choosing Quincy Mutual Group over Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Quincy Mutual Group's two, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will lower premiums by the time drivers turn 25. For example, average prices for Encompass policyholders decrease about $500 and Quincy Mutual Group's premiums drop more than $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best rates for retired drivers between Encompass and Quincy Mutual Group? Quincy Mutual Group gets the edge, with prices for drivers 65 and older almost 50% less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance premiums than married policyholders. That's because policies for married drivers usually cover multiple vehicles, which several companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Quincy Mutual Group rates coming in at around half of Encompass's. The advantage is also clear for married couples - Quincy Mutual Group offers the cheapest average prices.

Encompass or Quincy Mutual Group: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will typically end up paying a little more.

On average, women see premiums about 5% a month less with Encompass, and around 5% less with Quincy Mutual Group when compared to their male counterparts.

Looking at the data for each carrier specifically, Quincy Mutual Group offers the lowest average rates for both men and women. On average, women save about $222 per month and men save about $234 with Quincy Mutual Group compared to the average Encompass policyholder.

Encompass vs. Quincy Mutual Group: 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 limits and terms that it can be hard to find the right policy for you.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Quincy Mutual Group has the significant edge, with average monthly prices coming in at $145. If you want a full coverage policy with the same state minimum limits, Quincy Mutual Group again has the edge, with policies averaging around $330 a month to Encompass's $629.

Is Encompass or Quincy Mutual Group 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.

At-fault collisions and speeding tickets will most likely raise your premiums, but is Encompass or Quincy Mutual Group more affordable 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 usually expect their monthly bill to go up about 21% after getting a speeding ticket. Quincy Mutual Group policyholders can expect a less drastic increase of around 21%.

But Quincy Mutual Group has cheaper rates for drivers in both categories, offering premiums that are 23% and 24% more affordable, 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 climb by over 30%, while those who have insurance through Quincy Mutual Group will see about a 6% increase.

At the end of the day, Quincy Mutual Group offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $186 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Encompass will increase your rates around 78% after a DUI, while Quincy Mutual Group's average premiums rise by nearly 55%.

Quincy Mutual Group has the overall cheapest prices for drivers with a DUI on their records at $370 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just two for Quincy Mutual Group, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Quincy Mutual Group Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it will come into play for many policyholders.

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

So, which company offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Quincy Mutual Group will typically reward you the most. For drivers with "excellent" credit scores, Quincy Mutual Group comes in just under 64 cheaper. Drivers with "good" credit scores normally save about 51% with Quincy Mutual Group compared to average prices from Encompass.

Which Company is Best for Drivers with Bad Credit?

Quincy Mutual Group typically offers lower premiums than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 42% per month less with Quincy Mutual Group compared to Encompass, and those with "poor" scores usually save an average of about 36% per month.

Is Encompass or Quincy Mutual Group 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 pretty big impact on your monthly rates? Generally, those who drive less will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Quincy Mutual Group tends to be the cheaper option. Encompass average rates for drivers with 6,000 annual miles come in around $244 more expensive than Quincy Mutual Group. Those who drive 12,000 miles yearly can expect to pay about $213 more with Encompass over Quincy Mutual Group.

Encompass or Quincy Mutual Group: 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 substantial impact as well. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer cars on the roads where they live.

Quincy Mutual Group tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Quincy Mutual Group's average premiums are around 45% less than Encompass Insurance. People who live in suburban areas pay about 48% less with Quincy Mutual Group compared to Encompass. Those in rural areas can expect to save around 55% with Quincy Mutual Group compared to Encompass.

Encompass vs. Quincy Mutual Group Discounts

You want to save as much money as you can, right? 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 what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Encompass and Quincy Mutual Group so that you can see which carrier can save you the most money each month.

Encompass blows Quincy Mutual Group away when it comes to the sheer amount of discounts available, offering 26 different discounts to Quincy Mutual Group's 18.

Both companies offer a lot of the same discounts -- like advance quote discounts, discounts for being a defensive driver, distant student discounts, and group discounts -- but Encompass also offers discounts for driver training, DRL, EFT, and more.

On the other hand, Quincy Mutual Group has a few proprietary discounts of their own for things like annual mileage discounts, continuous insurance discounts, employers subject to ma worker discounts, and more.

Final Thoughts: Is Encompass or Quincy Mutual Group Best for You?

So, we've broken down the average prices for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which carrier is the best company for you and your specific needs?

Quincy Mutual Group might be best for you if....

• You've been pulled over for speeding recently.
• You want the most robust protection via a "full coverage" policy.
• 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 -- Quincy Mutual Group only offers policies to Massachusetts and Rhode Island residents.
• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Encompass and Quincy Mutual Group. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Encompass and Quincy Mutual Group. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Encompass vs. Quincy Mutual Group FAQs

Is Encompass or Quincy Mutual Group cheaper?

Quincy Mutual Group is the more affordable of the two companies when looking at national average rates, with policies averaging $237 a month with Quincy Mutual Group and $466 for Encompass. That being said, that doesn't mean Quincy Mutual Group will be the lowest carrier for every policyholder, since there are multiple different factors that come into play when it comes to your car insurance bill.

Who is better, Encompass or Quincy Mutual Group?

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

Why do Encompass and Quincy Mutual Group offer me different rates?

Insurance carriers use a lot of different variables when determining the premiums they charge. Factors such as gender, where you live, age, your driving record, and sometimes even things like your credit score can all be used. Both Encompass and Quincy Mutual Group calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance company 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 quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Encompass or Quincy Mutual Group 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.