Encompass Auto Insurance Review for 2021

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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AutoinsuranceEZ.com Rating: 1 star1 star1 star1/2 starno star

Encompass has a strong business profile and is no newbie in the insurance market. Although Encompass has been a subsidiary of the Allstate corporation since the turn of the century, the company itself has a strong business profile selling personal insurance products in America’s breadbasket since 1897. So their financial stability is high. Presently, they make up the majority of personal insurance products which the Allstate parent company sells. Encompass also offers comprehensive coverage and other auto insurance policies to higher-risk drivers who might otherwise not be able to find coverage – but at a price.

Can Insurance Customers Rely on Encompass for Auto Insurance Policies?

Encompass’ business financials are strong. So customers shouldn’t lose sleep over whether or not the company is capable of paying out on claims. The claims process, on the other hand, has received many customer complaints over the years. Some insureds feel the process is slow and difficult. The good news is it seems to be isolated to the initial claims. Every other aspect of customer service from Encompass, such as agent interaction, repairs, and rental car services have a superior rating.

Ratings Agency Rating
AM Best Financial Rating (2016) A+
Better Business Bureau Rating (2016) A+
Complaint Ratio per Vehicle (NJ, 2012) 0 / 51,189

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What Kind of Auto Insurance Discounts Does Encompass Offer?

In addition to the high ratings, potential customers can look forward to a decent variety of discounts offered by Encompass insurance company. One particularly appealing discount is their Safe Driving Bonus, which applies a 5% discount to your policy for each consecutive 12 months that you go without an accident. Other discounts in insurance packages may include:

Type of Discount Max Percentage Discount*
Safe Driving Bonus 5%
Anti-Theft Devices 5-14%
Anti-Lock Brakes 5%
Drivers Training 5%
Good Student 5%
Multi-Car 24%
Multi-Policy Credit 20%
Passive Restraint 13-25%

(*Courtesy of EncompassInsurance.com and the 2013 the California Department of Insurance 2013 Automobile Premium Survey)

What Are the Benefits of Choosing Encompass Home and Auto Insurance Company?

Encompass has multiple offerings, but many customers prefer the EncompassOne Policy. It protects any automobiles you own, your home, and other personal belongings (such as jewelry or fur coats). However, if you’re looking for standalone automotive insurance coverage, they have that too. In addition to the usual standard coverages (Liability, Comprehensive/Collision, etc.), Encompass also offer their auto policy customers:

  • New Car Replacement
  • Accident Forgiveness
  • Loan/Lease Gap Coverage
  • Roadside Assistance
  • Auto Insurance for Teens

Does Encompass Make It Easy to Browse Types of Coverage?

The insurance industry can be complicated, especially if you don’t know what kind of coverage you need. Especially when comparing different “risk profiles”, it is important to shop around for an insurance policy. Companies love to advertise low rates for drivers, but only if you have a low risk profile. If you have tickets, accidents, etc., a company might offer lower policy limits and reduced coverage in other ways to balance it out. Encompass may give you a higher price up front, but it’s not designed to sacrifice valuable optional coverages for low rates.

Encompass Auto Insurance QuotesLegend: Encompass Young Male Driver < 25Young Female Student < 25Single RenterMarried Homeowners 20406080100120140160180200220$228$84$135$198

As you can see in this chart, Encompass does offer a fairly good value to those drivers who have a lower risk profile (such as homeowners, good students, and married couples). Higher risk drivers can still get coverage from Encompass – just at a significantly higher rate. To be fair, even at higher rates, these high-risk drivers may still get a better deal. This is why it’s so important to compare multiple quotes from several companies before you decide on an insurance provider.

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What Are the Pros and Cons of Encompass Insurance?

Pro Con
Strong financial rating Multiple customer service complaints regarding the claims process
Good variety of coverage options to choose from Higher premiums for high-risk drivers

Encompass offers several attractive options for drivers across the United States. Their unique personal insurance products offer customers the convenience of protecting multiple properties at the same time, and they have solid financial strength. Under the Allstate umbrella, you can get all types of insurance. You can compare homeowners insurance rates, buy motorcycle insurance, or get a quote for watercraft insurance with one company. Some policies even cover additional living expenses after a claim. Then you can set up automatic payments so you don’t have to worry about the hassle of sending in a monthly or semi-annual check. With the right coverage, you don’t have to worry about medical expenses or property damage after an accident.

However, their claims adjusters are less than perfect (according to customer reviews). Even though they are willing to offer auto policies to high-risk drivers, they do so at a much higher rate than their low-risk customers. Encompass offers the standard discounts such as an anti-theft device discount, and their overall customer satisfaction is high. No matter your driving history or other factors, you don’t need to call an insurance agent to compare quotes. You can compare insurance policies with our free quote tool below.

Encompass Corporate Headquarters
2775 Sanders Road Northbrook
Chicago,  IL 60062
www.encompassinsurance.com
1-866-430-2916

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