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

Quick Facts

• In general, Travelers offers significantly cheaper rates than Encompass
• Encompass offers more discounts than Travelers
• Travelers has more affordable prices for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Encompass or Travelers for your next policy, but which carrier will save you the most?

As you can see, Travelers is quite a bit cheaper than Encompass, with premiums averaging $167 per month compared to $466 with Encompass when looking at the national average rates for insurance.

However, that doesn't mean Travelers will necessarily be less expensive than Encompass for every driver. Car insurance companies use a variety of complex algorithms to calculate rates, so depending on where you live or how old you are (among a lot of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both Encompass and Travelers by lots of different rate factors, so read on to find out which carrier is the best for you.

Encompass or Travelers: Average Car Insurance Rates by State

Encompass and Travelers compete against each other in 22 states, with Travelers offering cheaper prices to the average driver in all of them. If you live in, undefined is the more affordable of the two carriers when looking at the overall average premiums, but Travelers is the cheaper option in most of the others.

That being said, there are plenty of other factors that go into your auto insurance bill than just where you call home. 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 insurance rates of any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing Travelers over Encompass.

But both companies will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Encompass policyholders lower over $500 and Travelers's rates decrease about $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest insurance premiums out there. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can increase prices.

When looking at Encompass and Travelers specifically, which company is best for retired drivers? Travelers gets the edge, with rates for drivers 65 and older $203 less expensive than the national average for Encompass.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly more affordable car insurance premiums than single drivers. That's typically because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Travelers is the clear winner for those who are single, with prices around $382 per month less expensive than Encompass, on average. The advantage for married policyholders with Travelers is also obvious, where drivers save nearly $200 a month.

Encompass vs. Travelers: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim.

Men usually pay about 5% more per month than women with Encompass, while with Travelers, the difference is closer to 6% a month.

When it comes to the cheapest premiums for each gender, Travelers comes out on top for both men and women. On average, male drivers save about $305 per month and women save around $293 with Travelers compared to the average Encompass policyholder.

Encompass or Travelers: 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. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Travelers normally offers significantly cheaper prices of $108 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Travelers again has the edge, with policies about $400 a month more affordable than Encompass, on average.

Is Encompass or Travelers Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 accidents and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Encompass policyholders can expect their premiums to go up an average of $61 per month if they get a ticket, while Travelers generally raises rates around $32 a month, on average.

That being said, Travelers tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering prices that are $99 and $128 cheaper, 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 premiums increase by over 30%, while those who have insurance through Travelers will see about a 25% increase.

Overall, drivers who use Travelers end up with the cheaper prices after an accident, with monthly rates averaging $173 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. For example, Encompass increases average prices by over $500 per month -- that's just under a 80% increase.

How does Credit Score Impact Encompass and Travelers Rates?

Often times, your credit score can be used as one of the variables to determine your monthly car insurance rates. This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it does affect several policyholders out there.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at Encompass and Travelers specifically, which company has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on how much car insurance carriers will charge for coverage. Usually, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Travelers tends to be the more affordable option. Encompass average premiums for drivers with 6,000 annual miles come in around $301 more expensive than Travelers. Those who drive 12,000 miles yearly can expect to pay about $298 more with Encompass over Travelers.

Encompass vs. Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a sizable impact on your monthly auto insurance cost. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Travelers typically comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both carriers, but Travelers comes out on top with average prices around $136 a month. Travelers also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 64% and 63% a month respective difference when compared to Encompass drivers in similar areas.

Encompass vs. Travelers Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've broken down all of the different discounts offered by both Encompass and Travelers so that you can find the one that has the most discounts and, therefore, the biggest savings.

Overall, Encompass has a slight advantage when it comes to total number of discounts. Travelers offers a grand total of 25 discounts, while Encompass has 26.

There are a couple discounts both companies offer, but Encompass also offers employee discounts, fire/fisher discounts, gated community discounts, and more that Travelers does not.

On the flip side, Travelers has a couple unique discounts of its own -- alternative fuel discounts, continuous insurance discounts, COVID-19 relief discount, and more.

Final Thoughts: Is Encompass or Travelers Best for You?

So, you've seen how different factors can affect your insurance rates. We've shown you all the discounts each company offers, too. But, at the end of the day, which carrier is the right carrier for you and your specific driver profile?

Travelers might be best for you if....

• You already have plans to move to another state -- undefined is only available in.
• You live in an urban area.
• You are over 65 years old and want to save some money on your auto insurance.

Encompass might be best for you if...

• You're looking for discounts -- Encompass has the most.

We hope this guide helps you get a good idea of the differences between Encompass and Travelers and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Encompass and Travelers. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Encompass vs. Travelers FAQs

Is Encompass or Travelers cheaper?

Looking just at the national average prices, Travelers is the less expensive of the two carriers, offering average rates of $167 per month compared to $466 for Encompass. But Travelers won't necessarily be the most affordable company for everyone, since there are several different variables that come into play when it comes to your insurance payment.

Who is better, Encompass or Travelers?

Sadly, the real answer is "it depends.". No single carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Encompass and Travelers offer me different rates?

Car insurance companies take a look at many different factors when calculating the rates they charge policyholders. Things like your driving record, age, where you live, gender, and sometimes even things like your credit score can all come into play. Both Encompass and Travelers calculate prices using different formulas, 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 Travelers 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 make it easy for you to do just that. Just enter your information once 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 most affordable premium. And who knows, the best company for you might not be Encompass or Travelers 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.