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

Quick Facts

• In general, Western National offers significantly more affordable premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than Western National Insurance Company
• Western National offers more affordable prices for policyholders who drive fewer than 6,000 miles yearly

Encompass or Western National: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Encompass or Western National for your next policy, but between the two, which carrier will save you the most?

As you can see, Encompass is quite a bit more expensive than Western National, with premiums averaging $466 a month compared to just $154 with Western National when looking at the national average rates for car insurance.

Even so, that doesn't mean Western National will necessarily be less expensive than Encompass for each driver. Auto insurance carriers use all sorts of complex algorithms to determine rates, so depending on where you live or how clean your driving record is (among many other factors), you could see wildly different premiums from the ones above.

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

Encompass vs. Western National: Average Car Insurance Rates by State

Encompass and Western National only compete against each other in two states, with Western National offering cheaper prices to the average driver in all of them. Minnesota has the most noticable difference, where Western National premiums are 1163 less expensive than insurance prices at Encompass.

But there's more to calculating car insurance rates than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers out there 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 car insurance premiums. For example, 18-year-old drivers pay an average of over 75% less per month by choosing Western National over Encompass.

However, both companies will drop prices by the time drivers turn 25. For example, average rates for Encompass policyholders reduce around $500 and Western National's premiums decrease about $150 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? Western National gets the edge, with premiums for drivers 65 and older $226 cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more affordable for married drivers than they are for single policyholders. That's usually because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average premiums between these two carriers is significant, with Western National prices coming in at around a third of Encompass's. For married policyholders, the advantage is clear again - Western National has the edge when it comes to average rates.

Encompass or Western National: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to car insurance men will generally end up paying a little more.

Men typically pay about 5% more a month than women with Encompass, and around 9% more with Western National.

Looking at the data for each company specifically, Western National comes out on top for both men and women, with average prices $316 less for men and $307 cheaper for women.

Encompass vs. Western National: 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 pretty complicated. There are lots of different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, Western National has the significant edge, with average monthly rates coming in at $60. If you want a full coverage policy with the same state minimum limits, Western National again has the edge, with policies averaging about $248 per month to Encompass's $629.

Is Encompass or Western National 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.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two companies offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Western National 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 around 20%.

Even so, Western National has less expensive rates for drivers in both categories. Drivers with a clean record can save about 32% a month with Western National Insurance Company, and the same can be said for those with a speeding ticket, too.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Encompass climbing by around 31%. Western National has a less extreme climb, but you can still expect to pay 0% more than you were prior to your first accident.

At the end of the day, drivers who use Western National end up with the cheaper prices after an accident, with average rates coming in at $154 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 -- usually a lot more than an accident or ticket. On average, Encompass will increase your premiums about 78% after a DUI, while Western National's average prices increase by 0%.

But if you end up with a DUI charge and are looking for more affordable rates, Western National tends to be cheaper for the average driver, with monthly premiums coming in at around $154 to Encompass's 1020.

How does Credit Score Impact Encompass and Western National Rates?

Often times, your credit score can be used as one of the variables to calculate your monthly car insurance prices. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it might come into play for many drivers.

Insurance carriers 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 carrier offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Western National will normally reward you the most. For drivers with "excellent" credit scores, Western National comes in 80 more affordable. Drivers with "good" credit scores generally save about 71% with Western National compared to average prices from Encompass.

Which Company is Best for Drivers with Bad Credit?

Western National typically offers lower premiums than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 67% per month less with Western National compared to Encompass, and those with "poor" scores usually save an average of about 57% monthly.

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

How much you drive can have a pretty big impact on how much auto insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Western National offers more affordable premiums than Encompass. Encompass average rates for drivers with 6,000 annual miles come in around $313 more expensive than Western National. Those who drive 12,000 miles annually can expect to pay about $311 more with Encompass over Western National.

Encompass or Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a sizable role in how much you pay for insurance. Typically, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

Western National boasts the lowest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around $246 with Western National compared to Encompass. People who live in suburban areas pay about $307 less with Western National compared to Encompass. For drivers in urban ZIP codes, Western National Insurance Company's average prices are around $383 less than Encompass Insurance.

Encompass vs. Western National Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many auto 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 can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Encompass and Western National so that you can see which one can save you the most money each month.

Encompass knocks Western National out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Western National's 12.

Both carriers offer several of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and employee discounts -- but Encompass also offers discounts for ABS, advance quote, DRL, and more.

On the other hand, Western National has a few proprietary discounts of their own for things like corporate discounts, COVID-19 relief discount, family discounts, and more.

Final Thoughts: Is Encompass or Western National Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. But, at the end of the day, is Encompass or Western National the right company for you, your vehicle, and your wallet?

Western National might be best for you if....

• You like the personalized touch of a small, local carrier.
• You want the most robust protection via a "full coverage" policy.
• You're of retirement age and want to take advantage of lower rates.

Encompass might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Encompass and Western National and that you can now make a more informed decision when it comes to 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 Western National. 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 the top auto insurance companies in your area, all in just a few minutes.

Encompass vs. Western National FAQs

Is Encompass or Western National cheaper?

Western National is the less expensive of the two carriers when looking at national average premiums, with policies averaging $154 a month with Western National and $466 for Encompass. But that doesn't mean Western National will be the most affordable carrier for each policyholder, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Western National?

Unfortunately, the real answer is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Encompass and Western National offer me different rates?

Car insurance companies use several different factors when determining the prices they charge. Things like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Encompass and Western National calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies 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 insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Encompass or Western National 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.