Encompass vs. Texas Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Texas Farm Bureau offers significantly more affordable rates than Encompass
• Encompass may help you save more money -- they offer more discounts than Texas Farm Bureau Insurance
• Texas Farm Bureau tends to be a much cheaper option for policyholders who drive a short distance to work everyday

Encompass or Texas Farm Bureau: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Encompass or Texas Farm Bureau as potential options, but which company will offer you less expensive premiums?

Looking at the national average rates for both carriers, Texas Farm Bureau has average rates that are around 70% a month cheaper than those from Encompass.

That being said, that doesn't necessarily mean Texas Farm Bureau will be the less expensive option for every single driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your driving record, or even your credit score (among other things), so rates could differ drastically from person to person.

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

Encompass vs. Texas Farm Bureau: Average Car Insurance Rates by State

Encompass and Texas Farm Bureau only compete against each other in Texas, where Texas Farm Bureau offers the cheaper average prices. Texas Farm Bureau drivers tend to pay about $39 per month less on average compared to drivers who use Encompass for their insurance.

That being said, there are plenty of other factors that go into your auto insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

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

However, 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 Texas Farm Bureau for their car insurance pay over 80% less than those who use Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Texas Farm Bureau's one, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for Encompass policyholders lower more than 65% and Texas Farm Bureau's prices reduce almost 40% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance rates 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 prices.

So, which company offers the best premiums to retired drivers? Texas Farm Bureau gets the edge, with rates for drivers 65 and older $233 more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally more expensive for single drivers than they are for married drivers? This usually boils down to married couples having multiple vehicles on their policy -- something many insurance companies will reward with discounts.

For single policyholders, the difference in average rates between these two carriers is significant, with Texas Farm Bureau prices coming in at about a quarter of Encompass's. The advantage for married policyholders with Texas Farm Bureau is also obvious, where drivers save around $200 a month.

Encompass or Texas Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will normally end up paying a little more.

With Encompass, men usually pay about $25 per month more than women, but with Texas Farm Bureau, the difference is closer to $17 a month.

Looking at overall affordability, Texas Farm Bureau comes out as the lowest option for both genders, with average rates 69% less for men and 71% cheaper for women.

Encompass vs. Texas Farm Bureau: 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. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

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

Looking specifically at state minimum limits for liability insurance, Texas Farm Bureau has the significant edge, with average monthly prices coming in at $87. If you want a full coverage policy with the same state minimum limits, Texas Farm Bureau again has the edge, with policies averaging around $192 per month to Encompass's $629.

Is Encompass or Texas Farm Bureau Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and at-fault accidents will most likely raise your premiums, but is Encompass or Texas Farm Bureau less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Texas Farm Bureau auto insurance policies don't report seeing their prices increase after getting a ticket, but Encompass policyholders can expect to see their monthly bill increase by about a quarter.

However, Texas Farm Bureau has cheaper rates for drivers in both categories, offering premiums that are 69% and 75% more affordable, 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 increase by over $100, while those who have insurance through Texas Farm Bureau will see around a $45 increase.

At the end of the day, the less expensive premiums come from Texas Farm Bureau, with average rates coming in at $114 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 climb your prices about 78% after a DUI, while Texas Farm Bureau's average rates rise by more than 75%.

Texas Farm Bureau has the overall most affordable premiums for drivers with a DUI on their records at $300 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Texas Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Texas Farm Bureau Rates?

Did you know many insurance companies take your credit score into account when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect several policyholders out there.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Texas Farm Bureau will typically reward you the most. For policyholders with "excellent" credit scores, Texas Farm Bureau comes in nearly 82.57 more affordable. Drivers with "good" credit scores generally save around 73% with Texas Farm Bureau compared to average rates from Encompass.

Which Company is Best for Drivers with Bad Credit?

Texas Farm Bureau typically offers lower prices than Encompass when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 69% a month less with Texas Farm Bureau compared to Encompass, and those with "poor" scores normally save an average of around 63% a month.

Is Encompass or Texas Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly rates. That's because the more milage you put on your car, the more 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 Texas Farm Bureau charges. However, there's a small difference in monthly premiums for Encompass, with drivers who put 6,000 miles on their vehicle yearly paying about $2 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Texas Farm Bureau is the cheaper company.

Encompass or Texas Farm Bureau: 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 big impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Texas Farm Bureau tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 67% with Texas Farm Bureau compared to Encompass. People who live in suburban areas pay about 71% less with Texas Farm Bureau compared to Encompass. For drivers in urban ZIP codes, Texas Farm Bureau Insurance's average prices are around 72% less than Encompass Insurance.

Encompass vs. Texas Farm Bureau Discounts

No matter 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 you can. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Encompass and Texas Farm Bureau so that you can see which carrier can save you the most money each month.

Encompass knocks Texas Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Texas Farm Bureau's six.

A couple of those are overlapping for things like discounts for getting driver training, multi-policy discounts, and passive restraint discounts. Encompass also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Texas Farm Bureau has a few proprietary discounts of their own like academic discounts and multi-car discounts.

Final Thoughts: Is Encompass or Texas Farm Bureau Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

Texas Farm Bureau might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for the best prices on liability only coverage.
• You drive fewer than 6,000 miles each year.

Encompass might be best for you if...

• You are considering moving to another state -- Texas Farm Bureau Insurance only offers policies in Texas.
• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Texas Farm Bureau and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Encompass and Texas Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. 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. Texas Farm Bureau FAQs

Is Encompass or Texas Farm Bureau cheaper?

Texas Farm Bureau is the less expensive of the two companies when looking at national average rates, with policies averaging $139 per month with Texas Farm Bureau and $466 for Encompass. That being said, that doesn't mean Texas Farm Bureau will be the most affordable company for every policyholder, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Encompass or Texas Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Encompass and Texas Farm Bureau offer me different rates?

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

How do I know if Encompass or Texas Farm Bureau is right for me?

The only way to find the car insurance carrier 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 does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Encompass or Texas Farm Bureau 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.