Encompass may not have the name recognition of some of its competitors, and it lacks tools like online claims filing, but it offers several tiers of auto coverage and options like unlimited accident forgiveness.
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Lots of available discounts
Several tiers of coverage
Unlimited accident forgiveness available
Not offered in every state
No online claims filing
Limited digital tools
THE BOTTOM LINE
Encompass is a subsidiary of insurance giant Allstate, but with its own unique offerings. Encompass offers several tiers of auto insurance coverage, and the perks that come with its highest level of coverage include unlimited accident forgiveness and enhanced rental car reimbursement. But when it comes to digital tools, Encompass lags behind some competitors.
ENCOMPASS COMPANY SPOTLIGHT
J.D. Power Rating
A trusted customer satisfaction and product quality research agency
A nonprofit organization focusing on marketplace trust and product quality
A.M. Best Rating
100-year-old U.S. credit rating agency focused on the insurance industry
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Lots of available discounts. Encompass offers a wide range of discounts to help drivers save, including money off for safe driving, having a child away at college and owning a home.
Several tiers of coverage. Auto insurance from Encompass comes in three levels, Special, Deluxe and Elite. Drivers who opt for higher tiers get more perks, like enhanced rental car reimbursement.
Unlimited accident forgiveness available. Encompass’ Elite coverage level also includes unlimited accident forgiveness, meaning your rates won’t go up after at-fault accidents.
Not offered in every state. Encompass isn’t available in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming.
No online claims filing. Unlike many of its competitors, Encompass doesn’t have a portal for filing claims online, drivers have to file a claim over the phone or in person.
Limited digital tools. Encompass also doesn’t offer an online quoting tool or a usage-based discount program through a smartphone app, which you can find at other major insurers.
How much you pay for car insurance is determined by a number of factors specific to you, like your address, age, credit score, driving history, and vehicle. Since each driver has a unique background and history, it’s difficult to predict what any given driver will pay for car insurance. That said, we can still look at a sample Encompass auto insurance policy to get a sense 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 a 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|
|Rental car reimbursement:||$30 per day, $900 maximum|
The cost of an Encompass policy for our sample driver is slightly higher than the national average cost of car insurance, which is around $1,134 per year. However rates vary widely, and another driver with a similar profile might receive a different rate from the same company.
Encompass offers a long list of discounts for everything from owning a home to having a child away at college. There are also discounts for safe driving and for having certain safety features in your vehicle.
Here are a few of the discounts available from Encompass:
Safe driving discount. Save up to 5% if your household has been accident-free for a year.
Future effective date discount. Save if your policy is issued 7 or more days prior to the date you need it to start
Encompass Easy Pay discount. Savings for setting up automatic payments for your premiums.
New car discount. Save if you’re the first owner of a new car.
Homeowners discount. Savings if you own your own home.
Good payer discount. 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 applied when drivers have completed a defensive driving course.
Anti-theft device discount. Save 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.
Driver training discount. Savings for every driver under 21 who has completed a driver’s training course.
Resident student discount. Savings if you have a child away at school without a vehicle.
Remember that a lot of these discounts can change and vary by driving record, eligibility, location, and a variety of other information.
Encompass has been around in some form or another since the late 19th Century, but it wasn’t until 1999 that Allstate purchased the business and launched it under the Encompass name.
Because it’s a subsidiary of a larger company, Encompass isn’t rated by all the same third-party financial rating agencies as some of its competitors. But because Encompass is backed by parent-company Allstate, drivers have no need to worry about its financial security.
Year founded: 1999
A.M. Best: A+
Better Business Bureau: A+
Standard & Poor’s: N/A
A.M. Best, a credit rating agency that focuses specifically on the insurance industry, gives Encompass an A+, which means the insurer has a “superior” ability to meet their ongoing insurance obligations to customers.
The Better Business Bureau, the organization that ranks companies based on the truth of their advertising and on complaints from customers, also grades Encompass an A+.
Bond credit rating agency Moody’s does not have a standalone rating for Encompass. Neither does Standard & Poor’s, or S&P.
While financial ratings can tell us how industry experts view an insurance company, they don’t give a good view of what it’s like to be an Encompass customer. Again, because of its status as a subsidiary company, Encompass isn’t rated by every consumer ratings agency, but the individual ratings it has suggest solid customer satisfaction.
Consumers Advocate: N/A
Consumer Affairs: N/A
J.D. Power: N/A
NAIC complaint index: 0.0
Consumers Advocate, which tracks company reputation, policy features, and stability, does not have an individual rating for Encompass.
J.D. Power rates insurance companies based on policy offerings, price, and the clarity of billing and policy information. It does not rank Encompass, but parent company Allstate scored about average.
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 baseline average, with a zero meaning there weren’t enough customer complaints to count.
When it comes to coverage options, Encompass offers three distinct tiers of coverage, from basics to advanced protection. No matter which coverage level you choose, you’ll be able to find all the standard coverage most drivers need.
Encompass customers can get the standard coverage that every driver should have in their policy, including:
Liability coverage. Liability coverage protects you from financial burden if you damage someone’s property or injure someone with your car. Liability insurance is required in most states.
Personal injury protection. Pays for your medical expenses or lost wages if you or your passengers are injured in an accident.
Uninsured/underinsured motorist coverage. Covers the cost if you’re in an accident caused by a driver without insurance, or whose insurance doesn’t cover the full extent of the damage.
Collision coverage. Covers the costs of damage to your car after an accident, regardless of who was at fault.
Comprehensive coverage. Covers the costs of damage to your car that isn’t caused by a collision, including damage from animals, extreme weather, floods, fire, falling objects, theft, and vandalism.
In addition to standard coverage, Encompass offers the following options as add-ons or in its higher tiers of coverage:
New car replacement. If your new car is totaled, this covers the cost to replace it with a current model year.
Accident forgiveness. No surcharge on your premiums after an at-fault accident.
Loan/Lease gap coverage. If your car is totaled while you’re still making payments, this will pay off the difference to your lessor or lender.
Roadside assistance. Covers dead batteries, towing, and other emergencies that leave you stranded on the side of the road.
Auto insurance for teens
Rental car reimbursement. Pays for a rental car while yours is in the shop. Higher coverage tiers come with more money for rental reimbursement.
New original equipment manufacturer parts. If your car needs repairs, this pays to ensure you’re getting original parts.
In addition to auto insurance, Encompass offers several other types of property insurance, although not as many as some other insurers. Drivers can also save by bundling multiple policies together.
Some of the other insurance products Encompass offers include:
Homeowners insurance. Coverage for a home you own.
Motorcycle insurance. Coverage for your bike.
Home business insurance. Covers the increased liability and property coverage if you run a home business.
Identity theft protection. Alerts you to any identity theft and fraud and covers up to $20,000 towards the cost of retrieving your identity.
Boat insurance. Coverage for your watercraft.
RV insurance. Coverage for your home on wheels.
Umbrella insurance. Increases your liability coverage, so you’re better protected in the event you cause injury or damage to someone else or their property.
Encompass doesn’t have the name recognition or sleek website of some of its competitors, and drivers can’t get a quote online or submit claims online either. But it may be a good option for people who prefer an old-school approach — Encompass sells policies through independent agents, and also refers drivers to in-person claims offices if they need to file a claim.
Encompass is not offered in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota, or Wyoming.
Unlike some of the bigger names in car insurance, drivers can’t just go to the Encompass website and submit their information for a quote. Encompass sells policies through a network of independent agents, but you can submit a request to a quote online and find an agent to work with.
Customers can pay their bills multiple ways, including:
With a credit card
Over the phone
Via check or money order
Online through their MyEncompass account
The Encompass website isn’t as straightforward and easy-to-use as some other insurance company websites out there, and, while there is an Encompass mobile app for roadside assistance, it doesn’t seem to have an all-in-one smartphone app like other carriers. Encompass also doesn’t offer online claims filing, which is a big drawback for drivers who care about resolving claims as quickly as possible.
As we mentioned above, Encompass doesn’t offer online claims filing. Instead, drivers are prompted to call a dedicated auto claims number, and then can speak to a claim expert within at least one business day. Encompass also has a tool for submitting photos for a claim and receiving a damage estimate that way. For drivers who prefer a more personal touch, Encompass will refer also customers to a claims office near them.
Claims phone number: 1-800-588-7400
Headquarters: Northbrook, Illinois
Anna Swartz is a Managing Editor at Policygenius, where she has been since 2018. An expert in home, auto and renters insurance, she loves making tough concepts easy to understand and helping readers feel confident about their insurance options. Before joining Policygenius, she was a senior staff writer at Mic. Her work has appeared in The Dodo, AOL, HuffPost, Salon and Heeb.