Encompass Car Insurance Review 2021

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Drivers switching to Encompass via Jerry save an average of $1,526 per year on their car insurance**.
If you’re searching for auto insurance, the last thing you want to do is fill out form after form—not to mention dealing with annoying, follow-up sales phone calls.
Jerry can help! This AI-powered comparison shopping app takes all the hassle and difficulty out of finding great insurance rates. Sign-up takes only 45 seconds and then you’ll be browsing competitive quotes. When you find the quote that works for you, it’s easy to finalize —all without making any calls or filling out any long forms.
Here are real quotes from Jerry users:
Quote DateCar MakeCar ModelStateCityAge
Annual Savings after Switching to Encompass with Jerry
2021-02-07NissanKicks SAZMesa25-34$888
2020-11-28GMCYukon XL K1500WAVancouver25-34$396
2021-03-18KiaSorento LXWAVancouver21-24$72
2021-07-26LincolnTown Car SignatureWASeattle25-34$336
2021-08-02FordMustangCASacramento45-54$12

Quick look: Encompass car insurance

Good for
Bundling car, home, and possessions insurance
Good financial strength and reliability (a subsidiary of Allstate)
Offers competitive rates for younger drivers

What coverages does Encompass offer?

Encompass is known for bundling insurance policies, but also offers standard, stand-alone car insurance options—some mandatory in most states, others not. Here’s a rundown of what they offer:

Most common coverages

  • Liability insurance: Liability insurance is required in most states. It includes bodily injury liability and property damage liability, both of which protect other drivers if you cause an accident.
  • Comprehensive insurance: Comprehensive coverage is optional in every state, but you may be required to buy it if you lease or finance a car, as per your lease or financing agreement. It pays for damage not related to a collision—such as from extreme weather, vandalism, or theft.
  • Collision insurance: Collision coverage is optional but, again, might be obligatory if you’re leasing or financing a car. Collision coverage pays for damage to your car due to a collision with another vehicle or fixed object.
  • Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection reimburses you for expenses that resulted from an accident caused by a driver without insurance, or with very little insurance. Instead of suing the driver, your insurer will cover your costs. This coverage is vital if you live in a state with many uninsured drivers.
  • Medical payments coverage: MedPay covers medical expenses for you and your passengers if you’re hurt in a collision, even if you were at fault. MedPay is required in a few states, but optional in most.
  • Personal injury protection (PIP): PIP coverage covers your medical costs if you’re involved in an accident. It also covers any lost wages stemming from your injuries.

Helpful add-ons

Encompass offers three tiers of coverage that policyholders can buy. Customers can combine car insurance with other policies (such as home, renters, or possessions insurance). Each tier offers select add-on options in the Special, Deluxe, and Elite categories.
If you don’t want to bundle your auto policy with others, you can buy any of these tiers for car insurance only.
Additionally, the following add-on options are available at an additional cost without buying one of the three-tiered packages available.
Special
The following add-on options are available for an extra cost:
  • New car replacement: If you total your new car or if it is stolen, new car replacement coverage pays for the cost of a new car.
  • Electronic equipment coverage: This coverage pays for the loss of any electronic equipment you’ve permanently installed in your car. It will also cover ancillary items that go with that equipment, such as compact discs. You need to carry comprehensive insurance with Encompass in order to qualify for this add-on.
  • Gap coverage: Gap insurance covers the difference between the pre-accident value of your car and what remains on your lease or loan if the car is totaled or stolen.
Deluxe
In addition to add-ons available through Encompass’s Special package, Deluxe users have access to the following add-ons:
  • First-time accident forgiveness: With an Encompass policy, an accident forgiveness add-on ensures your rate won’t go up after your first accident.
  • Windshield repair deductible waiver: This coverage pays to fix a damaged windshield, and you won’t have to pay your deductible.
  • Auto trip interruption: For an additional fee, this coverage will cover some related costs if you’re unable to drive your car and you’re more than 100 miles from home.
Elite
The Elite package offers all options available in the Special and Deluxe packages, but new car replacement and gap insurance are available at an extra cost. The Elite package offers the following add-ons:
  • Unlimited accident forgiveness: Even with more than one at-fault accident, your rates won’t go up after collisions.
  • Company car protection: Your elite policy will apply if you’re driving a company car.
Add-on available no matter your package
  • Roadside assistance: Also known as towing and labor coverage, roadside assistance helps you if your car needs a tow, a battery boost, fixing flat tires, and more.
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How much does Encompass auto insurance cost?

The average annual auto insurance premium for minimum insurance with Encompass is --. And for full coverage that offers better overall financial protection, the average premium is $3,257.
Insurance companies consider many different metrics when calculating your insurance rate, like your car type, driving history, and personal profile—so premiums do vary significantly from one driver to another.
Here’s the average monthly payment for minimum and full-coverage insurance with Encompass.
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
--$276
Younger drivers covered with Encompass typically pay $3,612 per year, while older drivers tend to pay less—an average of $3,367 per year.
Age is a key factor for insurers when setting premiums. Statistics do show that teenage drivers are more likely than drivers over 20 to get into a collision. That risk means that teenage drivers pay higher rates than the average driver, but Encompass is known for offering competitive rates for younger drivers.
Here’s what drivers pay with Encompass based on their age group.
Age GroupAnnual Cost
Annual Savings after Switching to Encompass with Jerry
18-20$4,600$773
21-24$3,252$833
25-34$3,211$2,129
35-44$2,251$1,774
45-54$2,296$439
55-64$2,118$570
65+$2,404$1,196

Who qualifies?

Encompass offers insurance to drivers of all ages and is known for offering competitive options for young drivers, even if they’ll still pay more than an older driver would.
While Encompass covers drivers with recent accidents (aka, high-risk drivers), premiums are typically high. High-risk drivers may have better luck finding cheaper insurance with a provider catering to drivers with violations on their record.
Here’s the average annual cost of Encompass insurance for drivers with an infraction on their record.
Driving InfractionAnnual Cost
Annual Savings after Switching to Encompass with Jerry
Clean Record$3,199$1,341
Seat Belt$1,653$1,239
Failure to Obey Traffic Sign$5,468$633
Speeding under 15$3,561$1,191
Improper Passing$2,115$1,029
Other$4,098$2,045
Key Takeaway Encompass offers insurance for drivers of all ages, and is known to be an affordable choice for young drivers.
As a licensed broker, Jerry helps you compare and buy car insurance no matter the state you live in. In less than a minute, you’ll be browsing through competitive quotes from the nation’s top insurance companies.
Once you select your pick, Jerry finalizes all the paperwork and cancels your old policy.
Here’s the average annual cost of Encompass insurance based on state.
StateAnnual Cost
Annual Savings after Switching to Encompass with Jerry
AZ$3,141$1,184
CA$2,082$690
NY$3,932$1,890
WA$2,359$576
Key Takeaway Using Jerry can help you find the best coverage at the most affordable price, regardless of where you reside.

Discounts

Encompass offers a wide variety of discounts to help policyholders reduce their overall insurance costs.
Here are some of the most common driver and vehicle-based discounts offered by Encompass:
DiscountDescription
New carBuying a new policy for a new vehicle will qualify you for a small discount
Good studentFull-time students who maintain at least a B average can receive a discount
Student away from homeStudents living more than 100 miles away from their listed home address may be eligible for a discount
Safe drivingIf all the drivers on your policy meet Encompass’s safe driving requirements, you’ll be rewarded with a discounted rate
SafetyCars with anti-lock brakes and /or an anti-theft device may be eligible for insurance discounts
Defensive drivingCompleting an Encompass-approved driver training course will net you a discount
Driving trainingFor drivers under 21, completing a driver training course will qualify you for a discount
Passive restraint systemIf your car has factory-installed airbags or motorized auto seat belt restraints, you’ll qualify for a discount
Here are some common policy-based discounts with Encompass.
DiscountDescription
Multi-lineBundling auto insurance with other Encompass policies will qualify you for discounts
Auto paymentsSetting up automatic payments with the Encompass Easy Pay Plan can qualify you for a discount
Early sign-upIf you buy your policy at least one week before its term starts, you’ll be in line for a discount
HomeownerIf you own your home, condo, motorhome, or townhome, you’ll qualify for a discount
No cancellation notificationIf you failed to make a payment in the past year, but didn’t receive a cancellation notification, you’ll receive a discount
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Additional services

Encompass offers a solid lineup of other insurance products:
  • Homeowners / renters / condo
  • Motorcycle
  • Boat and watercraft
  • Off-road vehicles and ATVs
  • Identity theft
  • Umbrella
  • Home business insurance

Things to keep in mind

Payment options

You can pay your premium online or through Encompass’s mobile app so long as you have a MyEncompass account.
You can pay your bills and view your policy details on the app.
The easiest way to pay your claim is by calling Encompass at 1-800-588-7400.
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