Encompass Auto Insurance Review

Name: Encompass Auto Insurance Review
Item: Encompass Auto Insurance
Rating: 8.5

Written By:

Last Updated:Mar 29, 2024

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For those who prefer working with an agent and who don’t need the digital assets, then Encompass is worth reviewing.

8.5/10

Cost

9/10

Features

8.5/10

Ease of use

9/10

Services

8.5/10

Encompass auto insurance is another product under the mega-sized umbrella of Allstate insurance. Like its parent company, Encompass offers coverage for numerous products, ranging from personal liability protection to homeowners insurance and mobile home coverage to auto insurance.

Encompass may not have the unlimited number of commercials we’re used to seeing with other insurance carriers, but as a subsidiary of Allstate, it is a company that does warrant more attention. Here, we look at Encompass and what it can offer you for coverage.

In this article

What is Encompass Insurance Company?

Founded in 1897 under a different name, the company now known as Encompass began by selling personal insurance policies. Now, over a century later, and having become a part of Allstate, Northbrook, Illinois-headquartered Encompass is still going strong, offering multiple insurance product lines across 42 states.

Encompass relies heavily on its independent agent network. Today, there are over 2,400 insurance agents nationwide who sell Encompass products. The only way to purchase an auto insurance policy is to work with the agent or call the customer service number for them to locate an agent for you, which is unusual in the modern-day when more and more companies provide online methods of obtaining quotes and information.

Encompass not only relies on the work of agents, but it also has several insurance options you don’t always find with other companies.

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How does Encompass auto insurance work?

Where many car insurance companies have moved towards online-only and apps to connect with the customer, Encompass relies on the human touch. Contact Encompass and work with an agent if you want an insurance quote.

Encompass offers the standard auto insurance coverage options you’ve come to expect from a large company:

Liability protection
Collision and comprehensive coverage
Medical payments
Uninsured and underinsured motorists

However, Encompass sets itself apart through its unique coverage options, ranging from emergency roadside assistance to new car replacement.

How much does Encompass cost?

Your auto insurance cost will depend heavily on several factors, including:

Age
Gender
Location
Marital status
Driving record and history
Vehicle
Coverage options
Deductible

You'll have to work with an agent directly to get a quote for your premium. You should also note Encompass offers a wide range of discounts, so be sure to have your agent go through all available discounts so you can save as much as possible.

Best Online Quotes

Save $1,604 (or more) per year on car insurance today.

2-minute quote
State minimum coverage
Full coverage
Explore top brands

Find rates fast!

Features of Encompass auto insurance

Encompass has several features that make it worth looking at when comparing auto insurance companies.

EncompassOne policy

Encompass has a unique policy offering where you can bundle your homeowner’s and auto insurance under one policy. You only have one agent to work with; all your coverage falls under one plan. Within the EncompassOne policy, there are three different tiers. Each tier offers an extra level of protection so that you can pick the best for your financial needs.

The coverage amount varies depending on the tier you’ve purchased, and some of these features may not be included depending on the tier. The homeowner’s portion also has features you’ll want to review too.

Encompass app

The Encompass app offers several convenient options, such as paying bills or accessing ID cards. But you can also use the roadside assistance tab when you need an extra hand. At the touch of a button, you can request towing or lockout services, gas delivery, or a jump start or tire change.

GAP coverage

You can also obtain GAP coverage for those who purchased a brand-new car. If you’re in an accident and your car is totaled, the GAP coverage will pay the difference between the current market value and the amount you owe on your loan. This is only available if you have comprehensive collision coverage on your policy.

New car replacement service

If your car is totaled due to a total qualifying loss, Encompass will replace your vehicle with a current model year or a new car of similar size and class if your model is no longer available.

You only have to pay your policy’s deductible if you have this feature added to your coverage.

Related: Your Car Is Totaled. Now What?

Numerous discounts

Encompass offers an impressive list of ways to save on your premiums. You can receive a discount for:

Safe driving bonus
Future effective date — if your policy is written seven days or more before your coverage begins.
EasyPay— if you use the automatic payment feature
New car discount
Homeowners discount — if you bundle your renters, condo, or homeowners’ policy
Good payer discount
Anti-lock and anti-theft
Passive restraint
Driver training — if you’re under 21 and have completed an approved course.
Good student — you'll get rewarded if you have a 3.0 or higher!
Resident student discount — if you go to school over 100 miles from home and do not take your car with you.

Who is Encompass best for?

Those who prefer using a local agent. Again, Encompass only works through the agent network. You must use the agent for everything from filing an insurance claim to obtaining a quote, working with an adjuster, and managing your policy and premiums.

Those who need specialty options. From teen drivers to custom equipment coverage, Encompass can likely offer coverage for your driving situation. The EncompassOne policy offers multiple ways to customize your policy, although not all options are available within each tier.

Who shouldn’t use Encompass?

Those who like a digital-only experience. If you only like accessing the insurance company through a website or app, you probably won’t like being forced to use an agent.

Those who need rideshare coverage. Although Encompass offers several features, rideshare coverage isn’t one of them.

Pros and cons

Encompass has several pros and cons. You can decide what’s most important for an auto insurance carrier.

Pros

Strong financial ratings. Encompass has earned a Superior A+ rating from A.M. Best, solidifying the strength of this Allstate-owned company.
Strong customer service ratings. Encompass scored within expectations on the National Association of Insurance Commissioners (NAIC) complaint index. This index measures the number of registered complaints for the auto insurance portion. Encompass also has an A+ Better Business Bureau (BBB) rating.

Cons

Not available in all states. One downside, Encompass may not be available where you live. You’ll need to confirm with an agent if coverage is available.
Difficult to get a quote. Other insurance companies require you to finalize a quote through an agent but still allow you to get an estimate online. Encompass doesn’t offer this option.

Encompass vs. competitors

Let’s face it; you have lots of options when it comes to auto insurance providers. Here’s a quick look at how Encompass compares to other well-known carriers:

Insurer	2023 J.D. Power auto claims satisfaction score	Average monthly premium for minimum coverage*
Encompass	N/A	N/A
Allied	N/A	N/A
Geico	871/1,000	$39
Amica Mutual	909/1,000	$54
USAA	Not rated	$36
Progressive	870/1,000	$49
State Farm	891/1,000	$56
Erie	902/1,000	$47
Nationwide	875/1,000	$62
American Family	881/1,000	$44
Liberty Mutual	866/1,000	N/A
Allstate	882/1,000	$56

*Data collected by Bankrate.

FAQs

Interested in learning more about Encompass? Here are other common questions surrounding coverage through Encompass.

Is Encompass auto insurance any good?

Like any auto insurance company, you have to decide exactly what you want from a carrier and what will work best for your budget. Encompass can offer you superior financial strength and great customer service ratings — which is always a great combination when it comes to insurance companies.

Is Encompass insurance expensive?

It’s hard to nail down an exact cost of auto coverage from Encompass to know for sure. In general, to get the lowest rate for your premiums, you should get multiple quotes from multiple carriers. Then, closely compare the coverage limits and options you’re choosing — are there adjustments you can make so your coverage is less expensive or better for your budget?

Can I get a lower deductible?

Your deductible is another big factor where you can save. The lower your deductible, the higher your premium. Taking on a higher deductible is a quick way to lower your rates. Just make sure you have savings to cover it in case of an accident! Finally, a good credit score improves your premium rate too. By paying bills on time and keeping your debt-to-income ratio in check, you can pay less for your annual premiums.

The bottom line

For those who prefer working with an agent and who don’t need digital assets, Encompass is worth reviewing. Its unique coverage options and long list of available discounts mean you can likely get a policy that fits exactly what you need—assuming you’re in one of the 42 states it services.

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Sara Coleman is a former corporate gal turned creative entrepreneur. She began writing professionally several years ago and now contributes to multiple websites, blogs, and magazines. She’s also an avid reader and can’t resist a great historical fiction novel. Sara holds a BA in journalism from the University of Georgia and can be found supporting her Bulldogs every chance she has. She resides in Charlotte, North Carolina, with her wonderfully supportive husband and three children. When she’s not ushering her kids to sports and dance lessons, she can be found creating content for her own website, TheProperPen.com.

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