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

Quick Facts

• Looking at the national averages for insurance, Westfield offers significantly more affordable premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than Westfield Insurance
• Westfield tends to be a much less expensive option for drivers who have a speeding ticket on their driving record

Encompass or Westfield: 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 huge savings. But exactly how much can you save by switching?

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

Looking at the national average rates for both carriers, Encompass is quite a bit more expensive than Westfield, with prices averaging $466 a month compared to just $152 with Westfield.

Even so, that doesn't necessarily mean Westfield will be the cheaper option for each driver. Car insurance companies vary their premiums depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a variety of other factors, so prices could differ drastically from person to person.

So, if you want to find out which of Encompass or Westfield 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. Westfield: Average Car Insurance Rates by State

Encompass and Westfield only compete against each other in West Virginia, where Westfield offers the cheaper average premiums. Westfield drivers tend to pay about $143 per month less on average compared to drivers who use Encompass for their insurance.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your prices. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Westfield save over 70% a month compared to those who use Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Westfield's one, which can skew the average prices a bit, but the difference here is still considerable.

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

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance premiums you'll ever see. 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.

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

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are generally less expensive for married drivers than they are for those who are single? That's typically because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Westfield premiums coming in at around a third of Encompass's. The advantage is also clear for married policyholders - Westfield offers the lowest average prices.

Encompass or Westfield: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll generally end up paying more for auto insurance than women.

Normally, men see rates almost $25 per month higher with Encompass, and about $15 more with Westfield.

Looking at the data for each company specifically, Westfield offers the most affordable average prices for both men and women, with average rates 67% less for men and 68% cheaper for women.

Encompass vs. Westfield: 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 insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, Westfield has the significant edge, with average monthly premiums coming in at $62. If you want a full coverage policy with the same state minimum limits, Westfield again has the edge, with policies averaging around $242 a month to Encompass's $629.

Is Encompass or Westfield 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 cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Westfield auto insurance policies don't report seeing their premiums increase after getting a ticket, but Encompass policyholders can expect to see their monthly bill increase by about 20%.

That being said, Westfield tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering prices that are 51% and 61% cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with Encompass raising by around 31%. Westfield has a less extreme raise, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, drivers who use Westfield end up with the cheaper prices after an accident, with average premiums coming in at $152 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 collision or ticket when it comes to your insurance bill. For example, Encompass increases average prices by more than $500 per month -- that's nearly a 80% increase.

Westfield has the overall lowest rates for drivers with a DUI on their records at $231 per month, but it's worth noting that Encompass's average rates come from 31 states compared to just one for Westfield, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Westfield Rates?

Did you know many auto insurance companies take your credit score into account when determining premiums? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it does affect a lot of drivers out there.

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 carrier offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Westfield will normally reward you the most. For drivers with "excellent" credit scores, Westfield comes in just under 64.86 more affordable. Drivers with "good" credit scores generally save about 65% with Westfield compared to average premiums from Encompass.

Which Company is Best for Drivers with Bad Credit?

Westfield typically offers lower prices than Encompass when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 68% a month less with Westfield compared to Encompass, and those with "poor" scores usually save an average of about 70% a month.

Is Encompass or Westfield 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 how much car insurance carriers will charge for coverage? Normally, those who drive less will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Westfield charges. However, there's a small difference in monthly premiums for Encompass, with policyholders who drive the least paying around $2 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Westfield is the more affordable company.

Encompass or Westfield: 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 large impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the road where they live, which reduces the chances of an accident.

When comparing these two companies side-by-side, Westfield generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Westfield Insurance's average prices are about $408 less than Encompass Insurance. People who live in suburban areas pay around $274 less with Westfield compared to Encompass. Those in rural areas can expect to save about $260 with Westfield compared to Encompass.

Encompass vs. Westfield Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

The difficult 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.

Luckily, we did the hard work for you and compared all of the different discounts offered by Encompass and Westfield so that you can find the one that has the most discounts and, therefore, the largest savings.

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

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for getting driver training, and multi-policy discounts. Encompass also offers discounts for advance quote, DRL, EFT, and more.

On the other hand, Westfield has a few proprietary discounts of their own for things like account relationship discounts, companion auto discounts, company car discounts, and more.

Final Thoughts: Is Encompass or Westfield Best for You?

You've seen the role certain factors have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right fit for you?

Westfield might be best for you if....

• You like the personalized touch of a small, local company.
• You have below-average credit.
• Your neighborhood is in a rural area.

Encompass might be best for you if...

• You're planning on moving to another state soon -- Westfield Insurance is only available to West Virginia residents.
• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Westfield 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 auto insurance policy is to compare quotes from a handful of companies, not just Encompass and Westfield. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Encompass vs. Westfield FAQs

Is Encompass or Westfield cheaper?

Westfield is the less expensive of the two companies when looking at national average rates, with policies averaging $152 per month with Westfield and $466 for Encompass. Even so, that doesn't mean Westfield will be the most affordable company for every driver, since there are many different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Westfield?

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

Why do Encompass and Westfield offer me different rates?

Car insurance carriers use several different factors when calculating the premiums they charge. Variables such as your driving record, where you call home, gender, age, and sometimes even things like your credit score can all come into play. Both Encompass and Westfield calculate prices using different formulas, so it's likely they'll offer different premiums. 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 Westfield is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers 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 ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Encompass or Westfield 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.