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

Quick Facts

• Looking at the national averages for car insurance, Trumbull offers significantly cheaper premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than Trumbull Insurance Company
• Trumbull offers less expensive average prices for residents of suburban areas

Encompass or Trumbull: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to 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 your search down to Encompass or Trumbull for your next policy, but between the two, which carrier has more affordable rates for insurance?

As you can see, Encompass has average rates that are around 45% a month more expensive than those from Trumbull when looking at the national average rates for car insurance.

That being said, that doesn't mean Trumbull will necessarily be less expensive than Encompass for every single driver. Auto insurance carriers use a variety of complex algorithms to determine premiums, so depending on how good your credit score is or where you live (among a whole range of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Encompass or Trumbull is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

Encompass vs. Trumbull: Average Car Insurance Rates by State

Encompass and Trumbull only compete against each other in Arizona, where Encompass offers the cheaper average premiums. Encompass drivers tend to pay about $23 per month less on average compared to drivers who use Trumbull for their insurance.

That being said, there are plenty of other factors that go into your car insurance cost than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But 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 Trumbull for their car insurance pay over 50% less than those who use Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your rates decrease significantly by the time you turn 25. For example, average premiums for Encompass policyholders drop about $500 and Trumbull's rates reduce more than $350 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

When looking at Encompass and Trumbull specifically, which carrier is best for retired drivers? Trumbull gets the edge, with premiums for drivers 65 and older over 50% more affordable than the national average for Encompass.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally more expensive for those who are single than they are for married couples? This usually boils down to married drivers having several vehicles on their policy -- something several insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with Trumbull prices coming in at around half of Encompass's. The advantage for married policyholders with Trumbull is also obvious, where drivers save almost 45% a month.

Encompass or Trumbull: Average Rates by Gender

Did you know women generally pay less for auto insurance than men? That's because women are less likely to get tickets and get into accidents, which lowers the chances of filing a claim with insurance.

With Encompass, women typically pay about 5% per month less than men, but with Trumbull, the difference is closer to 9% a month.

Looking at the data for each company specifically, Trumbull offers the cheapest average premiums for both men and women, with average prices $212 less for men and $213 cheaper for women.

Encompass vs. Trumbull: 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.

Insurance isn't the easiest topic to understand. There are multiple different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

However, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

Looking specifically at state minimum liability limits, Trumbull has the significant edge, with average monthly premiums coming in at $126. If you want a full coverage policy with the same state minimum limits, Trumbull again has the edge, with policies averaging around $381 per month to Encompass's $629.

Is Encompass or Trumbull 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.

Collisions and speeding tickets will most likely raise your rates, but is Encompass or Trumbull cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their auto insurance can usually expect their monthly bill to go up about 21% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of around 22%.

But Trumbull is generally the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are $35 and $41 less expensive, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Encompass can expect to see about an $101 -- or around 31% -- rise in their insurance prices. Drivers who use Trumbull for their car insurance will see a monthly bill about $98 (or 34%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, drivers who use Trumbull end up with the cheaper prices after an accident, with average rates coming in at $290 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than an accident or speeding ticket. Encompass drivers usually see a 78% raise in their car insurance premiums after a DUI charge, while Trumbull will typically increase rates by around 32%.

Trumbull has the overall most affordable prices for drivers with a DUI on their records at $284 a month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Trumbull Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it will come into play for a lot of drivers.

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

So, which company offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Trumbull will normally reward you the most. For drivers with "excellent" credit scores, Trumbull comes in more than 47.14 cheaper. Drivers with "good" credit scores typically save about 47% with Trumbull compared to average premiums from Encompass.

Which Company is Best for Drivers with Bad Credit?

Trumbull typically offers lower prices than Encompass when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 45% a month less with Trumbull compared to Encompass, and those with "poor" scores usually save an average of about 44% per month.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly rates? Generally, the more milage you drive, the more you can expect to pay for auto insurance.

Trumbull tends to be the more affordable option for both remote workers and those taking short commutes. Trumbull's average premiums for drivers with 6,000 annual miles come in around 48% cheaper than Encompass. Those who drive 12,000 miles annually can expect to pay about 44% less with Trumbull over Encompass.

Encompass or Trumbull: 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 considerable impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

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

Those in rural areas can expect to save around 50% with Trumbull compared to Encompass. People who live in suburban areas pay about 47% less with Trumbull compared to Encompass. For policyholders in urban ZIP codes, Trumbull Insurance Company's average premiums are around 42% less than Encompass Insurance.

Encompass vs. Trumbull Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

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

Encompass blows Trumbull away when it comes to the sheer amount of discounts available, offering nine more discounts than Trumbull.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for getting driver training, and discounts for being a homeowner. Encompass also offers discounts for ABS, DRL, EFT, and more.

On the other hand, Trumbull has a few proprietary discounts of their own for things like companion auto discounts, hybrid vehicle discounts, lay-up credit discounts, and more.

Final Thoughts: Is Encompass or Trumbull Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which company is the best fit for you?

Trumbull might be best for you if....

• You will be the only person on the insurance policy.
• You have below-average credit.
• You drive fewer than 6,000 miles yearly.

Encompass might be best for you if...

• You are considering moving to another state -- Trumbull Insurance Company is only available in AZ.
• You care about discounts (Encompass offers the most).

Hopefully, this guide helps you get a better idea of the difference between Encompass and Trumbull. We also hope we've given you the information you need to make the best decision about 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 auto insurance -- comparing quotes from several companies, not just Encompass and Trumbull. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Encompass vs. Trumbull FAQs

Is Encompass or Trumbull cheaper?

Trumbull is the less expensive of the two companies when looking at national average prices, with policies averaging $253 per month with Trumbull and $466 for Encompass. However, that doesn't mean Trumbull will be the most affordable carrier for everyone, since there are a bunch of different factors that are considered when it comes to your insurance payment.

Who is better, Encompass or Trumbull?

Sadly, the answer truly is "it depends.". Neither company is necessarily "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Encompass and Trumbull offer me different rates?

Auto insurance carriers use many different variables when determining the rates they charge. Things such as your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Trumbull calculate premiums using different formulas, 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 several different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple 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 information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Encompass or Trumbull 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.