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

Quick Facts

• Looking at the national averages for insurance, Secura offers significantly cheaper prices than Encompass
• Encompass offers more discounts than SECURA Insurance
• Secura offers more affordable average premiums for drivers who have received a ticket within the last few years

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

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

You might have narrowed it down to Encompass or Secura, but which carrier will save you the most?

Looking at nationwide averages, Encompass has average rates that are about 70% per month more expensive than those from Secura.

That being said, that doesn't necessarily mean Secura will be the cheaper option for every driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so rates will vary quite a bit from person to person.

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

Encompass or Secura: Average Car Insurance Rates by State

Encompass and Secura only compete against each other in three states, with Secura offering less expensive prices to the average driver in all of them. Wisconsin has the most noticable difference, where Secura rates are over 70% more affordable than car insurance prices at Encompass.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your premiums. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. Just look at the table above -- where 18-year-old drivers who have Secura for their auto insurance pay more than $500 less than those who use Encompass. It's worth noting that Encompass offers insurance in 31 different states compared to Secura's three, which can skew the average rates a bit, but the difference here is still considerable.

But both companies will decrease premiums once you turn 25. Secura offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average prices drop 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 cheapest rates out there.

But who has the best premiums for retired drivers between Encompass and Secura? Secura gets the edge here, with average prices coming in at around $111 a month compared to Encompass's $335.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper car insurance rates than single drivers. That's typically because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Secura is the clear winner for single policyholders, with prices about $403 a month more affordable than Encompass, on average. The advantage for married couples with Secura is also obvious, where drivers save nearly 65% per month.

Encompass vs. Secura: 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 generally end up paying more for auto insurance than women.

On average, men see premiums almost $25 a month higher with Encompass, and around $3 with Secura.

When it comes to the lowest rates for each gender, Secura comes out as the cheapest option for both genders, with average premiums $330 less for men and $310 cheaper for women.

Encompass or Secura: 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 isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

However, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage 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 limits for liability insurance, Secura normally offers significantly less expensive prices of $69 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies about $400 per month cheaper than Encompass, on average.

Is Encompass or Secura 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 at-fault accidents on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass policyholders can expect their prices to go up an average of $61 a month if they get a ticket, while Secura usually raises rates around $35 per month, on average.

But Secura is generally the less expensive option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $140 and $166 more affordable, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Encompass increasing by over $100. Secura has a less extreme climb, but you can still expect to pay more than $40 more than you were prior to your first collision.

Overall, Secura offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $129 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. Encompass drivers usually see a 78% raise in their insurance prices after a DUI charge, while Secura will typically increase premiums by about 64%.

Secura has the overall most affordable rates for drivers with a DUI on their records at $244 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just three for Secura, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Secura Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for many drivers.

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, policyholders with good credit will often be rewarded with less expensive rates.

So, which carrier offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Secura. Policyholders with "excellent" credit can save over 65% compared to Encompass, and those with "good" scores can also expect to see savings -- around $263 or 66% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower rates than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $322 a month less with Secura compared to Encompass, and those with "poor" scores normally save an average of around $468 per month.

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

How much you drive can have a sizable impact on your monthly prices. Usually, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Secura tends to be the more affordable option. Secura's average rates for drivers with 6,000 annual miles come in just under 70% less expensive than Encompass. Those who drive 12,000 miles each year can expect to pay nearly 70% less with Secura over Encompass.

Encompass vs. Secura: 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Typically, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads in those areas.

Secura boasts the cheapest average premiums 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 about $265 with Secura compared to Encompass. Drivers in suburban ZIP codes pay around $297 less with Secura compared to Encompass. In urban areas, SECURA Insurance's average prices are about $399 less than Encompass Insurance.

Encompass vs. Secura Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

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.

In the section below, we've compared all of the different discounts offered by Encompass and Secura so that you can see which one can save you the most money each month.

Encompass knocks Secura out of the park when it comes to the sheer number of discounts available, offering seven more discounts than Secura.

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

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

Final Thoughts: Is Encompass or Secura Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is Encompass or Secura the right company for you and your specific driver profile?

Secura might be best for you if....

• You have a DUI charge on your record.
• Your home is located in the suburbs.
• You are purchasing your insurance with a spouse.

Encompass might be best for you if...

• You're thinking about moving to another state -- SECURA Insurance only offers policies in three states.
• You care about discounts (Encompass offers the most).

We hope this guide has ben a valuable resource as you compare Encompass and Secura and that you can now make a more informed decision when it comes to 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 a handful of carriers, not just Encompass and Secura. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Encompass vs. Secura FAQs

Is Encompass or Secura cheaper?

Looking just at the national average prices, Secura is the cheaper of the two carriers, offering average rates of $146 per month compared to $466 for Encompass. Even so, Secura won't necessarily be the most affordable company for every driver, since there are a bunch of different factors that come into play when it comes to your auto insurance bill.

Who is better, Encompass or Secura?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Encompass and Secura offer me different rates?

Insurance companies take a look at a lot of different variables when determining the premiums they charge policyholders. Factors such as age, gender, where you call home, your driving record, and sometimes even things like your credit score can all be used. Both Encompass and Secura calculate prices differently, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies 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 free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Encompass or Secura 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.