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| Encompass Auto Insurance |
Encompass is a subsidiary of Allstate, which is one of the largest national insurance companies.
When examining Encompass customer satisfaction ratings from Allstate, Encompass falls in the middle, according to J.D. Power and Consumer Reports.
Assessing Encompass independently, other ratings from AM Best, the NAIC and the Better Business Bureau give the insurer’s automotive division overall favorable rankings.
Encompass scored 4 out of 5 stars for overall performance. NerdWallet ratings are determined by our editorial team.
The scoring formula takes into account consumer experience, National Association of Insurance Commissioners complaint data and financial strength ratings.
Encompass insurance products are available in most states and sold exclusively through independent agents.
The company is a subsidiary of Allstate Insurance.
Encompass Auto Insurance Overview
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| Encompass Auto Insurance Overview |
When shopping for auto insurance coverage, it’s important to understand what auto insurance coverage you want and what you need to buy.
For example, most states require a minimum amount of auto insurance to drive a vehicle. Alternatively, if you want additional protection, you might be interested in comprehensive insurance.
Learn about the most common types of car insurance coverage to see how they work.
Encompass offers typical car insurance policies and coverage options, as well as combination insurance policies that include coverage for your car, home, and belongings.
These “EncompassOne” policies are available in three levels of coverage: Special, Deluxe and Elite – just like its standalone policies.
Available coverage varies by state.
Encompass Auto Insurance Details
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| Encompass Auto Insurance Details |
Lots of discounts available
Encompass offers a wide range of discounts to help drivers save, including money for safe driving, having a kid in college, and owning a home.
Multiple levels of coverage
Encompass car insurance comes in three tiers, Special, Deluxe and Elite. Drivers who upgrade to higher tiers get more benefits, like improved rental car reimbursement.
Unlimited accident forgiveness available
Encompass’s Elite level of coverage also includes unlimited accident forgiveness, which means your rates won’t increase after an at-fault accident.
Not available in all states
Encompass is not available in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming.
No online claim filing
Unlike many of its competitors, Encompass does not have a portal to file claims online, drivers must file a claim over the phone or in person.
Limited digital tools
Encompass also doesn’t offer an online quote tool or usage-based rebate program through a smartphone app, which you can find with other major insurers.
Encompass Auto Insurance Discount
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| Encompass Auto Insurance Discount |
Encompass offers a long list of discounts for everything from owning a home to having a child through college. There are also discounts for safe driving and for having certain safety features in your vehicle.
Here are some of the discounts available from Encompass:
- Discount on safe driving. Save up to 5% if your household has been accident-free for a year.
- Future Discount on the Effective Date. Save if your policy is issued 7 days or more before the date you need it to start
- Include the Easy Pay discount. Savings for setting up automatic payments for your premiums.
- New car discount. Save if you are the first owner of a new car.
- Discounts for owners. Savings if you own your own home.
- Good discount for payers. This discount is automatically applied at the start of your policy and continues as long as you pay your premiums.
- Defensive driver discount. Savings are realized when drivers have taken a defensive driving course.
- Discount on anti-theft devices. Save money if your car or truck is equipped with an alarm or other anti-theft device.
- Good student discount. Savings for students who maintain a GPA of at least 3.0.
- Discounts on driver training. Savings for every driver under 21 who has taken a driving course.
- Resident student discount. Savings if you have a child at school without a vehicle.
Remember that many of these discounts can change and vary based on driving record, eligibility, location and a variety of other information.
Encompass has been around in one form or another since the late 19th century, but it wasn’t until 1999 that Allstate bought the company and started it as Encompass.
Encompass Auto Insurance Cost
How much you pay for car insurance is determined by a number of factors unique to you, such as your address, age, credit score, driving history and vehicle.
Since every driver has a unique background and history, it’s hard to predict what any given driver will pay for auto insurance.
That said, we can always look at a sample Encompass car insurance policy to get an idea of what someone might pay for coverage.
Our sample driver is a married woman in St. Louis, Missouri, who drives a 2019 Jeep Grand Cherokee. Encompass quoted her $111 per month for a 12-month policy, or $1,333 in total.
Let’s take a look at the details of the policy:
| Basic Coverages | Policy Limits |
|---|---|
| Bodily injury liability : | $100,000 each person, $300,000 each accident |
| Property damage liability: | $100,000 each accident |
| Medical expense coverage: | $5,000 each person |
| Uninsured motorists bodily injury: | $100,000 each person, $300,000 each accident |
| Comprehensive: | $500 deductible |
| Collision: | $500 deductible |
| Rental car reimbursement: | $30 per day, $900 maximum |
Customer Ratings
While financial ratings can tell us how industry experts view an insurance company, they don’t give a good idea of what it’s like to be an Encompass customer.
Again, due to its subsidiary status, Encompass isn’t rated by all consumer rating agencies, but the individual reviews it does have suggest solid customer satisfaction.
- Consumer Advocate: N/A
- Consumers: N/A
- J.D. Power: N/A
- NAIC Complaint Index: 0.0
Consumers Advocate, which tracks company reputation, policy characteristics and stability, does not have an individual rating for Encompass.
J.D. Power rates insurance companies based on policy offerings, price, and clarity of billing and policy information. It doesn’t rank Encompass, but parent company Allstate got a rough average score.
The National Association of Insurance Commissioners, which tracks complaints submitted to state insurance departments, gives Encompass a score of 0.0. A score of 1 represents the base average, with a zero meaning there were not enough customer complaints to count.
Summary
Because it’s a subsidiary of a larger company, Encompass isn’t rated by all of the same third-party financial rating agencies as some of its competitors.
But because Encompass is backed by parent company Allstate, drivers don’t need to worry about its financial security.
- Year of foundation: 1999
- A.M. Best: A+
- Better Business Bureau: A+
- Moody’s: N/A
- Standard & Poor’s: N/A
A.M. Best, a credit rating agency that focuses specifically on the insurance industry, rates Encompass an A+ (as of February 19, 2021), meaning the insurer has a “superior” ability to meet its ongoing insurance obligations to customers.
The Better Business Bureau, the organization that rates companies based on the truthfulness of their advertising and customer complaints, also rates Encompass an A+.
Bond rating agency Moody’s does not have a standalone rating for Encompass. Neither Standard & Poor’s nor S&P.