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

Quick Facts

• Looking at the national averages for insurance, Redpoint County Mutual offers significantly more affordable rates than Encompass
• Encompass may help you save more money -- they offer more discounts than Redpoint County Mutual
• Redpoint County Mutual offers less expensive average prices for policyholders who drive fewer than 6,000 miles every year

Encompass or Redpoint County Mutual: 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 might have narrowed it down to Encompass or Redpoint County Mutual, but between the two, which carrier has cheaper premiums for auto insurance?

Looking at nationwide averages, Encompass has average rates that are around 60% a month more expensive than those from Redpoint County Mutual.

However, Redpoint County Mutual may not be the lowest or best option for each driver out there. Insurance carriers use a variety of complex algorithms to determine prices, so depending on where you live or how clean your driving record is (among a range of other factors), you could see wildly different rates from the ones above.

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

Encompass vs. Redpoint County Mutual: Average Car Insurance Rates by State

Encompass and Redpoint County Mutual only compete against each other in Texas, where Encompass offers the cheaper average rates. Encompass drivers tend to pay about $18 per month less on average compared to drivers who use Redpoint County Mutual for their car insurance.

But there's more to calculating insurance prices than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto 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 that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Redpoint County Mutual for their auto insurance pay over 65% less than those who use Encompass. It's worth noting that Encompass offers insurance in 31 different states compared to Redpoint County Mutual's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your prices reduce significantly once you turn 25. For example, average rates for Encompass policyholders lower more than 65% and Redpoint County Mutual's premiums drop almost 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest car insurance prices you'll ever find. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise premiums.

When looking at Encompass and Redpoint County Mutual specifically, which carrier is best for retired drivers? Redpoint County Mutual gets the edge, with prices for drivers 65 and older $185 more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for those who are single than they are for married couples. That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

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

Encompass or Redpoint County Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll generally end up paying more for car insurance than women.

On average, women see premiums around 5% a month less with Encompass, and about 9% less with Redpoint County Mutual.

Looking at the data for each company specifically, Redpoint County Mutual offers the most affordable average prices for both men and women. On average, male drivers save about $272 per month and women save around $267 with Redpoint County Mutual compared to the average Encompass policyholder.

Encompass vs. Redpoint County 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. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

Even so, most 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 a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Redpoint County Mutual has the significant edge, with average monthly rates coming in at $115. If you want a full coverage policy with the same state minimum limits, Redpoint County Mutual again has the edge, with policies averaging about $277 a month to Encompass's $629.

Is Encompass or Redpoint County Mutual 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.

It's no secret secret that speeding tickets and at-fault accidents lead to higher prices, but which carrier -- Encompass or Redpoint County Mutual -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual car insurance policies don't report seeing their rates increase after getting a ticket, but Encompass policyholders can expect to see their monthly bill increase by around 20%.

But Redpoint County Mutual tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are 39% and 52% cheaper, 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 rise by over $100, while those who have insurance through Redpoint County Mutual will see about a $65 increase.

At the end of the day, drivers who use Redpoint County Mutual end up with the cheaper prices after an accident, with average rates coming in at $206 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 a collision. For example, Encompass increases average premiums by more than $500 per month -- that's nearly a 80% increase.

Redpoint County Mutual has the overall most affordable rates for drivers with a DUI on their records at $301 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Redpoint County Mutual, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Redpoint County Mutual Rates?

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

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 less expensive premiums.

Looking specifically at Redpoint County Mutual and Encompass, which one has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Redpoint County Mutual will generally reward you the most. For drivers with "excellent" credit scores, Redpoint County Mutual comes in more than 55.14 more affordable. Drivers with "good" credit scores normally save around 55% with Redpoint County Mutual compared to average prices from Encompass.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower premiums than Encompass when it comes to drivers with bad credit. Drivers with "fair" credit pay about 56% a month less with Redpoint County Mutual compared to Encompass, and those with "poor" scores generally save an average of around 62% monthly.

Is Encompass or Redpoint County Mutual 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 insurance companies will charge for coverage. That's because the fewer miles you drive, 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 Redpoint County Mutual charges. However, there's a small difference in monthly prices for Encompass, with policyholders who drive 6,000 miles annually paying about $2 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Redpoint County Mutual is the less expensive company.

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

Where you park your car can play a pretty big role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads where they live.

Redpoint County Mutual boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Redpoint County Mutual's average premiums are around 57% less than Encompass Insurance. People who live in suburban areas pay about 59% less with Redpoint County Mutual compared to Encompass. Those in rural areas can expect to save around 57% with Redpoint County Mutual compared to Encompass.

Encompass vs. Redpoint County Mutual 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 utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult 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 broke down all of the different discounts offered by both Encompass and Redpoint County Mutual so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Encompass knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering 23 more discounts than Redpoint County Mutual.

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver, group discounts, and passive restraint discounts -- but Encompass also offers discounts for ABS, advance quote, anti-theft, and more.

Redpoint County Mutual's discounts come through just three categories -- Good Driving, Group Discount, and Passive Restraint.

Final Thoughts: Is Encompass or Redpoint County Mutual Best for You?

So, you've seen how different variables can affect your insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Encompass or Redpoint County Mutual the right carrier for you and your specific profile and needs?

Redpoint County Mutual might be best for you if....

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You've started working from home and don't have much of a commute.

Encompass might be best for you if...

• You're thinking about moving to another state -- Redpoint County Mutual is only available in Texas.
• You're looking for discounts -- Encompass has the most.

Hopefully, this guide helps you get a good idea of the differences between Encompass and Redpoint County Mutual. We also hope we've given you the information you need to make the best decision when it comes to 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 multiple companies, not just Encompass and Redpoint County Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Encompass vs. Redpoint County Mutual FAQs

Is Encompass or Redpoint County Mutual cheaper?

Redpoint County Mutual is the cheaper of the two companies when looking at national average prices, with policies averaging $196 per month with Redpoint County Mutual and $466 for Encompass. That being said, that doesn't mean Redpoint County Mutual will be the lowest carrier for every driver, since there are many different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Redpoint County Mutual?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Encompass and Redpoint County Mutual offer me different rates?

Auto insurance carriers use lots of different variables when calculating the rates they charge. Factors like where you live, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Redpoint County Mutual calculate premiums using different variables, 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 lots of different companies.

How do I know if Encompass or Redpoint County Mutual is right for me?

The only way to find the 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Encompass or Redpoint County 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.