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

Quick Facts

• In general, Rurual Mutual offers significantly cheaper rates than Encompass
• Encompass offers more discounts than Rurual Mutual Insurance
• Rurual Mutual has less expensive premiums for drivers who have an at-fault accident on their record

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Encompass or Rurual Mutual as your top options, but which company will offer you more affordable prices?

Looking at nationwide averages, Encompass has average rates that are about 65% per month more expensive than those from Rurual Mutual.

That being said, that doesn't necessarily mean Rurual Mutual will be the cheaper option for every driver. Car insurance companies vary their premiums depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a variety of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

Encompass or Rurual Mutual: Average Car Insurance Rates by State

Encompass and Rurual Mutual only compete against each other in Wisconsin, where Rurual Mutual offers the cheaper average prices. For Wisconsin residents, Rurual Mutual offers auto insurance for $167 a month on average. Encompass's average rates come out to be over 70% more expensive, at $287 monthly.

But there's more to calculating insurance prices than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing Rurual Mutual over Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Rurual Mutual's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both carriers will offer you dramatically lower prices once you turn 25. Rurual Mutual offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average rates decrease over 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest car insurance premiums out there. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between Encompass and Rurual Mutual? Rurual Mutual gets the edge, with rates for drivers 65 and older nearly 60% 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 single drivers than they are for married policyholders. That's because policies for married drivers normally cover several cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Rurual Mutual is the clear winner for single policyholders, with rates around $383 per month more affordable than Encompass, on average. For married couples, the advantage is clear again - Rurual Mutual has the edge when it comes to average prices.

Encompass vs. Rurual Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll typically end up paying more for car insurance than women.

With Encompass, women normally pay almost $25 a month less than men, and about $11 less with Rurual Mutual.

Looking at the data for each carrier specifically, Rurual Mutual comes out as the most affordable option for both genders, with average rates 64% less for men and 64% cheaper for women.

Encompass or Rurual 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.

It's no secret that auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Rurual Mutual usually offers significantly less expensive prices of $67 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Rurual Mutual again has the edge, with policies around $350 per month cheaper than Encompass, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and collisions on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-perfect 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 Rurual Mutual generally raises prices about $10 per month, on average.

However, Rurual Mutual is typically the more affordable option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $110 a month and drivers with a ticket can save about $161 per month with Rurual Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Encompass drivers who get in an accident can expect to see their premiums climb by over 30%, while those who have insurance through Rurual Mutual will see around a 15% increase.

Overall, the less expensive rates come from Rurual Mutual, with monthly prices averaging $136 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 speeding ticket or even a collision. On average, Encompass will raise your premiums about 78% after a DUI, while Rurual Mutual's average prices rise by just under 60%.

Rurual Mutual has the overall cheapest rates for drivers with a DUI on their records at $288 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Rurual Mutual, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Rurual Mutual Rates?

Did you know that many car insurance companies take into account your credit score when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for many policyholders.

Auto insurance carriers 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 more affordable prices.

Looking at Encompass and Rurual Mutual specifically, which one has the most affordable premiums for policyholders 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 Rurual Mutual. Drivers with "excellent" credit can save nearly 65% compared to Encompass, and those with "good" scores can also expect to see savings -- around $256 or 65% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Rurual Mutual typically offers lower rates than Encompass when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $292 a month less with Rurual Mutual compared to Encompass, and those with "poor" scores normally save an average of around $420 monthly.

Is Encompass or Rurual Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly premiums. Generally, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rurual Mutual charges. However, there's a small difference in monthly prices for Encompass, with drivers who put 6,000 miles on their car yearly paying about $2 less each month compared to those who drive 12,000 miles every year. Still, Rurual Mutual is the more affordable option for drivers in both categories.

Encompass vs. Rurual Mutual: 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 large impact as well. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of vehicles that are on the roads in those areas.

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

In urban areas, Rurual Mutual's average prices are around $211 while Encompass offers premiums about $560. Drivers in suburban ZIP codes pay a monthly premium of around $132 with Rurual Mutual compared to $434 with Encompass. If you live in a rural area, you can expect to pay about $158 a month with Rurual Mutual and $404 with Encompass.

Encompass vs. Rurual Mutual 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. That's where insurance discounts comes into play.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Encompass and Rurual Mutual 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 knocks Rurual Mutual out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Rurual Mutual's six.

Both companies offer many of the same discounts -- like distant student discounts, group discounts, and paid in full discounts -- but Encompass also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Rurual Mutual does not.

On the flip side, Rurual Mutual has a unique discount of its own -- a claim free discounts.

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

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific needs?

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

• You've received a ticket for speeding recently and don't want to see your rates increase.
• Your neighborhood is in a city.
• You have a short drive to work everyday.

Encompass might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You're looking for discounts -- Encompass has the most.

We hope this guide helps you get a better idea of the difference between Encompass and Rurual Mutual and that it aids in making a more informed decision about your insurance.

At the end of the day, the best 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 Rurual Mutual. Luckily, sites like Compare.com do all the hard work for you. 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. Rurual Mutual FAQs

Is Encompass or Rurual Mutual cheaper?

Looking just at the national average prices, Rurual Mutual is the less expensive of the two companies, offering average rates of $167 per month compared to $466 for Encompass. That being said, Rurual Mutual won't necessarily be the cheapest carrier for everyone, since there are several different variables that come into play when it comes to your insurance cost.

Who is better, Encompass or Rurual Mutual?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for each driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Encompass and Rurual Mutual offer me different rates?

Insurance carriers take a look at lots of different factors when determining the rates they charge policyholders. Things such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Rurual Mutual use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several 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 area information 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 best rate. And who knows, the best carrier for you might not be Encompass or Rurual Mutual 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.