Encompass Car Insurance Review & Ratings (2024)

This Encompass Car Insurance Review will cover Encompass Car Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Nov 22, 2023Fact Checked

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Nov 22, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 22, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 22, 2023Fact Checked
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Encompass

Average monthly rate for good drivers:

$220

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Encompass’s elite policy package comes with unlimited accident forgiveness, and the company offers other unique add-on coverages as well.
  • The company carries an A+ from A.M. Best and the Better Business Bureau, indicating good financial ratings and customer service.
  • Encompass is a subsidiary of Allstate, a well-known giant in the insurance industry.
  • It offers various ways for policyholders to save through discounts and its Connected Driver program.

Cons

  • You can’t get an online quote.
  • Policies aren’t available in every state.
  • Encompass has a high complaint index and numerous negative reviews on the Better Business Bureau (BBB) website.

Final Verdict: Review of Encompass

Backed by Allstate, a giant in the insurance industry, Encompass car insurance offers the standard car insurance coverages you need to protect yourself and your vehicle. With various discount options and unique perks, you should call and get an Encompass auto insurance quote to see if the company is right for you.

However, the company has a high complaint index, and the Better Business Bureau website lists several customer complaints. So if you want a company with solid customer service and reliability, you might want to consider finding coverage elsewhere.

On the other hand, if you’re looking for a financially stable insurer with various discount options, you should consider a policy with Encompass. Always compare coverage options and rates to ensure you’re not overpaying for insurance.

You can get the standard auto insurance coverages you need to drive legally from Encompass, alongside other unique and useful perks like unlimited accident forgiveness. In addition, Allstate, a reliable name in the insurance world, owns Encompass. A.M. Best’s Encompass insurance rating for financial strength is an A+ or superior, indicating the company can pay out its claims to policyholders. For those who prefer an insurance company with good customer service, Encompass also earned an A+ from the BBB, though it lacks accreditation. However, the BBB site has several negative reviews, which average 1.06 out of 5 stars for 388 customer reviews. The company also has a high complaint ratio. According to the National Association of Insurance Commissioners, Encompass’s complaint index is 3.68 as of 2021. The national average is 1.00, meaning the company receives three times as many complaints as the average company similar in size. While Encompass might be a good choice for drivers struggling to find coverage elsewhere, it’s not right for everyone — that’s why evaluating ratings, rates, and customer reviews is essential. You should also compare quotes and coverage options to other companies to ensure you’re getting the best policy for the best price.

What You Should Know About Encompass

Founded in 1897, Encompass Insurance isn’t new to the insurance industry, selling numerous car insurance packages to meet the needs of its policyholders. You can also find many discount options to lower your car insurance rates, like a bundling discount if you buy the company’s home or renters insurance alongside an auto policy.

Allstate acquired Encompass in 1999, so you can rest assured your Encompass car insurance policy gets handled by a reputable insurance company. In addition, Encompass carries an A+ from A.M. Best and the Better Business Bureau, indicating the company has solid financial ratings and customer service. Read our Allstate insurance review to learn more.

However, the company has a high complaint index and doesn’t allow customers to obtain an online quote. Without an online quote, you won’t know how much you’ll pay with Encompass until you call a representative for a quote.

The best way to find the coverage you need at a price within your budget is to shop around and compare quotes. Keep reading this Encompass car insurance review to see if the company is right for your needs.

Does Encompass offer any online features or a mobile app?

Encompass offers a mobile app to request 24/7 roadside assistance, but not for managing your policy or filing a claim. With Encompass’s roadside assistance app, you can request help with fuel delivery, a dead battery, a flat tire, or towing. The app uses GPS to locate you and gives you an estimated arrival time for help.

You can also use the app to pay your bills and view policy details if you have a MyEncompass account. Visit the Apple App Store or Google Play Store to download the app.

Can I file a claim or get a quote online with Encompass?

You can’t file a claim or get a quote online — you must call Encompass to do so. However, with your MyEncompass account, you can manage your policy, view agent information, pay monthly bills, and set up automatic payments.

What other insurance products does Encompass sell?

While Encompass focuses on its auto and home insurance products, the company also sells other policy types. Below is a list of other coverages it offers.

  • Condo insurance
  • Renters insurance
  • Motorcycle insurance
  • Boat and watercraft insurance
  • Umbrella insurance
  • Recreational vehicle insurance

If the above coverages are all you need, you could make Encompass a one-stop shop for your insurance needs. However, you should still get a quote and compare it to other companies.

Encompass Insurance Coverage Options

Encompass sells all the basic car insurance coverages your state requires to drive legally, and you can also find unique perks with the company. From full coverage car insurance to the minimum car insurance required by your state, Encompass has what you need for full protection.

So, how much car insurance do you need? The answer to this question varies by location since each state sets its own insurance requirements and regulations. A representative for Encompass can tell you what coverages you need if it’s available in your area.

Below is a list of the standard coverages you can find at just about any auto insurance company.

  • Bodily injury liability. Bodily injury liability pays for other parties’ medical expenses in a car accident you cause. However, it doesn’t cover your own medical bills.
  • Property damage liability. Property damage liability pays for the vehicle or property damage you caused to others in an accident. This coverage doesn’t cover your vehicle or property.
  • Collision car insurance. Collision insurance coverage pays for your vehicle damages if you crash into another object, like another vehicle or stationary object, regardless of fault. It isn’t legally required, but some lenders may require it if you have a vehicle loan or lease.
  • Comprehensive coverage. Comprehensive car insurance coverage pays for your vehicle damages resulting from non-collision incidents, like weather, falling objects, vandalism, animal damage, or theft. Learn more about collision vs. comprehensive car insurance.
  • Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage pays for your vehicle damages and medical bills if you get in a hit-and-run or an accident with an uninsured driver.
  • Personal injury protection/medical payments. These coverages pay for any medical expenses stemming from a covered accident.
  • Roadside assistance coverage. If you get stranded, Encompass’s 24/7 roadside assistance, available through the MyEncompass app, can help you with a jump-start, flat tire, or gas delivery.

All the coverages listed above consist of a full coverage car insurance policy, though the law will only ever require minimum auto insurance. However, remember that full coverage will cost more than liability only since you have better protection. In addition, if you have a car loan or lease, your lender may require you to carry full coverage.

Encompass offers three different insurance packages tailored to policyholders’ unique needs, including the previously mentioned basic coverages. Keep reading to learn more about the company’s car insurance packages.

Special Policy Package

Encompass’s special policy package includes the basic auto insurance coverages alongside home insurance. You can also add the following extra coverages to maximize protection.

  • New car replacement. With new car replacement, Encompass covers the cost of replacing your totaled vehicle with a new vehicle of the same make and model. Usually, standard car insurance only offers the actual cash value of your car if it gets totaled. 
  • Electronic equipment coverage. Standard auto insurance won’t cover anything you installed on your car afterward, so you need electronic equipment coverage to cover items like CDs or stereo systems.
  • Gap coverage. If you have a car loan or lease, gap coverage pays the difference between your car’s actual cash value and your loan’s remaining balance.

However, Encompass offers higher tiers with additional benefits. Of course, the more coverage you have, the higher your insurance rates will be.

Deluxe Policy Package

When skimming through coverage options, some may wonder, “Is a broken windshield covered by car insurance?” With Encompass’s deluxe policy package, the answer is yes.

Along with the previous benefits, the deluxe policy package includes electronic equipment coverage, $0 windshield replacement, and accident forgiveness. You also have the option to add new car replacement, gap coverage, or auto trip interruption.

Elite Policy Package

With Encompass’s elite policy package, you get all the previously mentioned benefits besides new car replacement and gap coverage. However, you have the option to add either coverage.

The elite package also includes unlimited accident forgiveness, meaning an at-fault accident will never affect your rates. In addition, if you drive a company car, the elite package will cover you while driving it.

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Encompass Insurance Rates Breakdown

Insurance companies consider various factors when deciding what to charge policyholders, so any average rates you may see won’t always reflect what you’ll actually pay. In addition, since Encompass doesn’t offer an online quoting tool, you won’t know your auto insurance rates until you call an Encompass representative to get a quote.

Below is a list of factors Encompass and other insurance companies consider when crafting car insurance rates.

  • Age
  • Gender
  • Coverage amount
  • Location
  • Credit score
  • Car make and model
  • Driving record
  • Marital status

Look at the average rates listed below if you want a better idea of what you might pay for auto insurance based on specific demographics. You should also compare quotes from multiple insurance companies to ensure you get the best deal.

Encompass Car Insurance Rates With a Clean Record

Insurance companies reward drivers who drive safely and maintain a good driving record with lower rates, whereas drivers with speeding tickets and DUIs see higher rates. On average, drivers with a clean record can expect to pay about $119 monthly for full coverage auto insurance, but rates vary by company.

Look at the table below to see how rates for drivers with clean records differ by insurance company.

Average Monthly Minimum Coverage Auto Insurance Rates for a 45-year-old-male with a Clean Record
Insurance CompaniesAverage Monthly Minimum Coverage Rates with a Clean Record
Progressive$38.92
Geico$30.18
Allstate$61.06
Nationwide$43.94
State Farm$33.14

As you can see, comparing quotes from several companies is an important step to ensuring you don’t overpay for car insurance. Some companies also offer discounts to drivers who go without an accident or moving violation for a period of time.

Encompass Car Insurance Rates With a Speeding Ticket

Insurers see drivers who engage in high-risk driving, like speeding, as more likely to get in an accident and file a claim. So if you have a speeding ticket on your record, expect to pay higher Encompass auto insurance rates.

In the table below, you can compare car insurance rates for drivers with speeding tickets against other top insurance companies.

Average Monthly Minimum Coverage Auto Insurance Rates for a 45-year-old-male with a Speeding Ticket
Insurance CompaniesAverage Monthly Minimum Coverage Rates with a Ticket
Progressive$51.83
Geico$39.14
Allstate$72.10
Nationwide$52.54
State Farm$37.41

Expect to pay $147 monthly on average for full coverage auto insurance if you have a speeding ticket on your record, about 24% higher than drivers with a clean record.

Encompass Car Insurance Rates for a Teen Driver

Since teen drivers lack driving experience, insurers charge them the highest rates of any demographic. Teens are also more likely to engage in risky driving behavior, like speeding or texting while driving.

Compare average teen car insurance rates from the top insurance companies below.

Monthly Full Coverage Teenage Auto Insurance Rates by Gender for the Top 10 Insurance Companies
Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record
Allstate$637$608$518$448
American Family$480$390$390$287
Farmers$742$777$603$573
Geico$311$297$253$219
Liberty Mutual$778$716$632$527
Nationwide$476$410$387$302
Progressive$813$801$661$590
State Farm$349$310$284$229
Travelers$896$708$729$522
National Average$609$557$495$411

While teens pay about $592 a month for full coverage car insurance, they can save by remaining on their parent’s insurance policy. Managing costs as a college student can be difficult, but Encompass offers several discounts geared toward teens and students.

For example, Encompass offers a distant student car insurance discount for students living at least 100 miles away from home.

Encompass Car Insurance Rates With an At-Fault Accident

At-fault accidents show insurance companies that you’re a risky driver, so you’ll pay higher rates at any company if you have one on your record. The amount your rates increase depends on how long ago the accident occurred and its severity.

Take a look at the table below to see how much you might pay at the top auto insurers with an at-fault accident on your record.

Average Monthly Car Insurance Rates by Driving History
CompanyAverage Monthly Rates With Clean RecordAverage Monthly Rates With 1 Accident
Allstate$318$415
American Family$224$310
Farmers$288$376
Geico$178$266
Liberty Mutual$397$517
Nationwide$228$283
Progressive$282$398
State Farm$235$283
Travelers$287$357
USAA$161$209

You’ll pay about $173 monthly for full coverage after an at-fault accident, but your Encompass car insurance rates may differ from that figure. So it’s important to get an Encompass quote — and compare it to other companies — to ensure you’re not overpaying for car insurance.

Encompass Discounts Available

One of Encompass’s benefits is that it offers a long list of auto insurance discounts to help policyholders save on their monthly premiums. Take a look at some of the discounts you could qualify for with Encompass car insurance.

  • Safe driver bonus. Encompass will discount your rates up to 5% if your policy goes without a chargeable accident for the prior 12-month period.
  • Good student discount. If you’re a student who maintains a 3.0 GPA or better, you qualify for a good student discount with Encompass.
  • Anti-lock device discount. Vehicles and motorhomes equipped with factory installed anti-lock devices can earn a discount from Encompass.
  • Early signing car insurance discount. You can receive an auto insurance discount from Encompass if your policy takes effect 7 or more days after it gets issued.
  • New car discount. If you purchased your vehicle new, you could get a new car discount; though it doesn’t apply to previously titled vehicles.
  • Homeowners discount. You can get a discount on your car insurance if you own a home, condominium, townhouse, or mobile home.
  • Defensive driver discount. Defensive driving courses can lower insurance rates with Encompass for certain drivers. Speak with an Encompass representative to learn if you qualify and how you can enroll in a course.
  • Passive restraint system discount. Encompass will discount your auto insurance if your vehicle has factory installed air bags or an automatic seat belt system. However, the discount only applies to medical payments/personal injury protection.
  • Driver training discount. All Encompass drivers under 21 can get the driver training discount after successful completion of a driver training course and several hours of driving experience.
  • Resident student discount. If a student lives more than 100 miles away from home at school, they may qualify for a resident student discount if they don’t have a vehicle at school.
  • Encompass Easy Pay. You can save on your car insurance rates if you enroll in Encompass Easy Pay, the company’s automatic payment system.
  • Good payer discount. Encompass drivers automatically receive a good payer discount upon initiating a new auto policy. So long as Encompass hasn’t issued a notice of non-payment to a policyholder in the last year, they’ll keep the discount.

Encompass policyholders enjoy a diverse array of discounts to help them save on their auto insurance coverage. However, keep reading to learn other ways to save on your Encompass car insurance.

Encompass Connected Driver Program

Encompass Connected Driver is a telematics program that tracks your driving and generates a score based on factors like hard braking, time of day driven, phone usage, and speeding. In exchange, drivers could save up to 10% on their car insurance. 

To enroll, policyholders simply install the mobile app, enter a registration code, and allow their app to track the location. Then, the driver brings the phone with them while they drive. They’ll receive a driving score 7 days after activating the app.

Other Ways to Lower Your Encompass Car Insurance Rates

Encompass offers policyholders various ways to save on car insurance coverage, but there are more ways to lower your rates.

  • Drop unnecessary coverages. If an older car depreciates in value, you could drop collision and comprehensive coverages and only carry liability. 
  • Insure a cheap vehicle. Purchase a cheap vehicle or one with cheap parts to replace if you want lower auto insurance rates.
  • Increase your credit score. Many insurers look at credit when setting insurance rates, so you could see lower costs once your credit score rises. However, if you’re struggling to improve your credit, you can search for car insurance for people with bad credit.
  • Practice safe driving. Your car insurance company may award you lower rates if you practice safe driving, avoid accidents, and remain ticket-free.
  • Increase your deductible. Your deductible is the amount you pay before insurance pays out a claim. The higher your deductible, the lower your premiums will be, but you shouldn’t increase your deductible to an amount outside your budget.
  • Shop around. Since rates vary by insurance company, Encompass might not be the cheapest company for you. Compare quotes from multiple companies to ensure you’re not overpaying.

The best ways to get the cheapest car insurance quotes is by following the tips above, comparing quotes, and finding eligible discounts. You can call an Encompass representative to get a quote from the company.

Effortless Claims Handling With Encompass Car Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Encompass Car Insurance offers a claims process that primarily relies on contacting their representatives over the phone. Unfortunately, they do not provide an option for filing claims online through their website or mobile app. This may be inconvenient for policyholders who prefer the convenience of digital claims submission.

Average Claim Processing Time

Encompass does not specify an average claim processing time on their website or in the provided information. Claim processing times can vary depending on the complexity of the claim and the availability of necessary documentation. Policyholders should contact Encompass directly for information on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

While customer feedback on claim resolutions and payouts is not explicitly mentioned in the provided content, it is an essential aspect of evaluating an insurance provider. Policyholders may want to research and read customer reviews and testimonials to gain insights into Encompass Car Insurance’s track record in this regard.

Exploring Encompass Car Insurance Digital and Technological Innovations

Mobile App Features and Functionality

Encompass Car Insurance offers a mobile app primarily for requesting 24/7 roadside assistance. However, it does not provide extensive features for managing policies or filing claims through the app. Policyholders can use the app to request assistance for common roadside issues and access policy details.

Online Account Management Capabilities

Encompass Car Insurance allows policyholders to manage their policies online through a MyEncompass account. While it provides features like bill payment and viewing policy details, it does not offer the option to file claims online. Online account management is convenient for policyholders who prefer to handle their insurance-related tasks digitally.

Digital Tools and Resources

The Encompass Car Insurance website offers valuable digital tools and resources to help policyholders make informed decisions. These resources may include informative articles, insurance calculators, and educational content. While they enhance the user experience, it’s important to note that Encompass’s digital tools do not include online claims filing, which may be a limitation for some customers.

Frequently Asked Questions

How do I file a claim with Encompass?

To file an Encompass auto insurance claim, call 800-588-7400.

How do I get an Encompass quote?

You can’t get an online quote with Encompass, so contact a representative with the company for help. You can locate your local Encompass agent through its website.

Can I get rideshare insurance with Encompass?

No, Encompass doesn’t offer rideshare insurance. So if you want coverage as a DoorDash or Uber Eats driver, you’ll have to look elsewhere for coverage. While you can’t get DoorDash car insurance, some insurers offer the rideshare coverage you need to protect you on the job.

Is Encompass a good choice for car insurance?

Encompass offers standard car insurance coverage and various discount options, but the company has a high complaint index and doesn’t allow customers to obtain an online quote. It’s recommended to compare coverage options and rates from multiple companies to ensure you’re not overpaying for insurance.

Does Encompass offer any online features or a mobile app?

Encompass offers a mobile app for requesting 24/7 roadside assistance, paying bills, and viewing policy details if you have a MyEncompass account. However, you can’t file a claim or get a quote online.

How much does Encompass car insurance cost?

Encompass car insurance rates vary based on several factors, including age, gender, coverage amount, location, credit score, car make and model, driving record, and marital status. Encompass doesn’t offer an online quoting tool, so you must call an Encompass representative to get a quote.

What discounts are available with Encompass car insurance?

Encompass offers various discounts, including safe driver bonus, good student discount, anti-lock device discount, early signing car insurance discount, new car discount, homeowners discount, defensive driver discount, passive restraint system discount, driver training discount, resident student discount, Encompass Easy Pay, and good payer discount.

How can I lower my Encompass car insurance rates?

You can lower your Encompass car insurance rates by dropping unnecessary coverages, insuring a cheap vehicle, increasing your credit score, practicing safe driving, increasing your deductible, and shopping around for quotes from multiple companies. Encompass also offers various discounts and the Connected Driver Program to help policyholders save on their car insurance.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

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Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Free Insurance Comparison

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