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Jerry Data & Research
Encompass Car Insurance Review(Apr 2024)
Encompass Car Insurance Review
(Apr 2024)
In a study of real insurance policyholders’ experiences, the Jerry research team ranked State Auto 15th overall compared to companies of a similar size and popularity.
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Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Comprehensive Encompass Car Insurance Review
- So, is Encompass a good insurance company?
- Encompass car insurance reviews
- Encompass pros and cons
- Is Encompass the right insurance company for you?
- Is Encompass car insurance expensive?
- Find real Encompass car insurance quotes
- Will Encompass raise your rates?
- Does Encompass resolve claims fast?
- Does Encompass have good customer service?
- Encompass car insurance discounts
- Encompass coverage options
- Encompass' additional tools and services
- Compare Encompass quotes by driver profile
- FAQs
- Read all Encompass car insurance reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive Encompass Car Insurance Review
For drivers who need a packaged policy with tiered coverage options with a single deductible and premium, Encompass Insurance Company might be a great option to consider. Although not as big as other providers, Encompass offers many policy options and strong customer service—but it might be pricey for some.
After reviewing the data from over 120 insurance providers, our experts ranked Encompass 15th compared to similar-sized and popular companies.
Here’s a breakdown of how our verified Encompass policyholders ranked their insurer:
3.9
53 Reviews
5 Stars
39.62%
4 Stars
35.85%
3 Stars
5.66%
2 Stars
9.43%
1 Star
9.43%
If you’re unsure what the right insurance provider is for you, don’t sweat it—
Jerry
has you covered. We conducted one of the nation's most extensive car insurance reviews to collect information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more. So, is Encompass a good insurance company?
Yes—they offer highly-customizable coverage, although you’ll pay more for the best perks.
Car insurance rates for Encompass tend to be higher than average, and as with most providers, if you want extra protection above standard options, you’ll need to purchase it. But when you pay more, you unlock unlimited accident forgiveness or windshield repairs with no deductible.
Our experts analyzed dozens of reviews from real Encompass customers. We found that, of those reviews, 80% of respondents had positive things to say about Encompass, while just 10% were negative.
Compared to the national average of 64% positive and 18.54% negative reviews, Encompass customers are happy and enjoying their service and auto insurance policies.
So, what do customers like and dislike about Encompass?
The good: Positive reviews of Encompass auto insurance reviews focused on affordable policies, excellent communication, and efficiency.
The other side: Negative reviews mentioned difficulty with claims processing.
Encompass may not be one of the largest insurance providers in the nation, but for drivers looking for a breadth of coverage options at a reasonable price—and some major add-on perks—Encompass might be a good company to consider.
Here’s a breakdown of how our verified Encompass policyholders ranked their insurance provider:
| Criteria | Encompass's Rating | Industry Average |
|---|---|---|
Overall | 4 | 4.1 |
Cost / Price | 3.9 | 3.8 |
Claim Experience | 3.5 | 3.5 |
Customer Service | 3.9 | 4 |
Renewal Experience | 5 | 4 |
When evaluating Encompass’s strengths and weaknesses, we wanted to check out how other industry leaders rated them on top of our survey data from real drivers. Here’s how Encompass ranks against the national average for other insurance companies in the US:
Critera | Encompass | Score Out Of |
|---|---|---|
BBB Rating | A+ | A+ |
NAIC Rating | 0.42 | 6 |
Clearsurance | 3.54 | 5 |
A.M. Best Rating | A+ | A++ |
IOS App Store Rating | 3.4 | 5 |
Google Play Store Rating | 1.6 | 5 |
Please note* that a greater NAIC score indicates increased risk.
Encompass car insurance reviews
We asked policyholders to rate Encompass in several categories we were interested in, and we also wanted to hear what they had to say about their experience with them! Keep reading for actual reviews from Encompass auto insurance customers:
Encompass pros and cons
Based on our analysis of both our national insurance customer satisfaction survey and the public third-party ratings available for Encompass, we’ve compiled a list of some of the biggest pros and cons of buying a car insurance policy through this provider:
ProsUnlimited accident forgiveness (available with Elite package)
Subsidiary of Allstate
Excellent policy customization
Plenty of car insurance discounts available
Offers single deductible and premium for auto and homeowners insurance on one policy
ConsNo online quotes or claim filing
Not available in all states
Premiums are nearly 25% higher than the national average
Is Encompass the right insurance company for you?
If money isn’t an issue when it comes time to buy an auto insurance policy, Encompass has a lot to offer. For drivers in the following situations, Encompass might be the right choice:
- Drivers who want maximum auto protection
- Drivers who wish to bundle coverage
Remember: Encompass doesn’t specialize in a single type of car insurance, so if you’re looking for something like
high-risk car insurance
, for example, you can expect to pay higher-than-average rates. However, bundling your auto and home insurance policy with Encompass has perks, such as a single deductible and discounts. Learn more about how our survey respondents rated Encompass's car insurance services below:
Is Encompass car insurance expensive?
Compared to other insurance providers, yes.
Basic auto insurance with Encompass may be reasonably priced, but the more coverage you have, the higher the cost.
Encompass offers the usual auto insurance policies and coverage options to meet state minimum requirements, but they also offer policies that include coverage for your car, home, and possessions. These are called “EncompassOne” policies and are available in three levels of coverage: Special, Deluxe, and Elite. EncompassOne policies function as a standalone policy, so you’ll only pay one premium and one deductible for any included policies.
Our survey results show that 28.6% of all Encompass reviews mentioned cost. Of those reviews, 50% had positive sentiments toward policy costs, while 33% were negative. Based on this, some drivers find that insurance costs with Encompass can be high, while others find reasonable prices.
Compared to other insurance companies of a similar size, Encompass ranked 16th overall in terms of policy cost satisfaction and scored 3.86 stars out of 5.0—a tad bit higher than the national average of 3.81. Here’s how Encompass compared to the other companies in our study:
| Encompass Policy Cost Rating | Ranking | Industry Average |
|---|---|---|
3.9 | 16 | 3.8 |
Remember: Car insurance rates aren’t consistent between drivers. Each quote varies based on individual factors and driving records, so every quote from Encompass differs. As with any other insurance provider, Encompass
calculates insurance premiums
based on some of the following factors: Although states allow car insurance companies to use different rating factors when calculating insurance rates, there are general cost trends within each state. According to our data, here’s how Encompass trends for policy cost:
Encompass cost reviews
Check out how real Jerry users rated Encompass based on cost.
Find real Encompass car insurance quotes
Finding the right insurance company to purchase an auto insurance policy can be tricky, and if you’re wondering whether Encompass is right for you,
Jerry
is here to help! Using our free online comparison tool, we’ve helped millions of drivers like you compare auto insurance quotes
from Encompass and over 55 other insurance companies in seconds. Here are some recent insurance quotes from Encompass to help you best understand how your driver profile might influence the cost of a policy:
| Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|
$140 | Ray, 30 | Toyota Tacoma Double Cab | • State Minimum Liability • Comp / Collision |
$116 | Jared, 44 | Volkswagen Jetta | • 50,000/100,000 Liability • Comp / Collision |
$82 | Herman, 35 | Ford F150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
$83 | Noah, 66 | Toyota Avalon XL | • 100,000/300,000 Liability |
$162 | Clara, 47 | Mercedes-Benz ML 350 4matic | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 23, 2024Will Encompass raise your rates?
Like all insurance providers, Encompass can only increase your car insurance premium when your policy is
up for renewal
. If your driving profile changes before your next renewal, you could be up against a rate increase.Some of the most common reasons you may see a rate increase with Encompass include:
- New driving violations or tickets
- New at-fault accidents
- New zip code
- New vehicle (or another car) on your policy
- New driver on your policy
- Inflation
- Age
According to our survey, 38.1% of drivers with an auto insurance policy through Encompass chose to renew at the end of their term.
Remember: Policy costs are subject to variation. Insurance companies can change how they price their policies, so it’s normal to see changes over time—even if your driver profile has stayed the same.
Does Encompass resolve claims fast?
Encompass doesn’t specify how long it takes to resolve an auto insurance claim, but ratings suggest it may be an area where customers are satisfied. According to The National Association of Insurance Commissioners (NAIC) complaint index,
Encompass’s complaint index is 1.20
, slightly above the industry average of 1.00. However, because Encompass doesn’t offer an online claim filing service, resolutions may take slightly longer.The claim process with Encompass involves calling Encompass and speaking to a claims center team member within 24 hours of your incident. Once you’ve opened a claim, an inspector will evaluate the damage, then you’ll speak to an adjuster to review your estimate and complete your claim by completing the final documentation.
Most states require insurance companies to reach a settlement within 30 to 45 days after accepting the claim. However, the time it takes to resolve a claim also depends on the severity of the incident, with claims with injuries and a clear at-fault driver taking the shortest amount of time.
| Encompass Claims Resolution Rating | Ranking | Industry Average |
|---|---|---|
3.5 | 11 | 3.5 |
Of the respondents in our survey who answered, 38.1% reported having filed a claim with Encompass. They were ranked 11th for claims processing compared to other insurance companies of similar size but earned just a 1.5 out of 5.0 rating for claims and resolutions, suggesting most customers are dissatisfied with the company’s claims processing and there is room for improvement.
Encompass claims reviews
Check out some of the reviews below to see how customers described their experience with Encompass’s claims process:
Does Encompass have good customer service?
Customer reviews are mixed—some customers are satisfied with Encompass’s customer service, while others are unimpressed with the lack of support.
Survey respondents scored Encompass’s customer service with a 3.88 out of 5.0 and ranked them 14th compared to other insurance companies of similar size. Compared to the national average of 3.9 for customer service, Encompass is about average.
Positive Encompass insurance reviews about Encompass's customer service mentioned that they were assisted quickly and efficiently with any questions or problems, while other reviewers said that they dropped the ball on offering good service.
| Encompass Customer Service Rating | Ranking | Industry Average |
|---|---|---|
3.9 | 14 | 4 |
Encompass customer service reviews
Keep reading to see how survey respondents rated Encompass’s customer service:
Encompass car insurance discounts
Car insurance discounts
are a simple way for drivers to save on monthly car insurance payments—and luckily, Encompass offers a wide selection for drivers to qualify for.Here’s a breakdown of the available auto insurance discounts from Encompass:
Discount | How to Qualify |
|---|---|
Safe driving | If you haven’t had an at-fault accident on your driving record in the past year, you can earn up to 5% off your premium. |
Defensive driver | |
Future effective day | Have your policy issued a week or more before its effective date. |
Easy pay | Make automatic bill payments through the Encompass Easy Pay plan for a discount. |
Good payer | Make all your payments on time to maintain this discount. **This is included when your policy starts** |
New car | If you’re the first owner of your vehicle. |
Anti-lock brakes | If your vehicle has a two- or four-wheel antilock braking system. |
Anti-theft device | If your vehicle has theft protection features, such as active locks or VIN etching. |
Passive restraint system | If your vehicle has factory-installed airbags or motorized automatic belt restraints. |
Homeowner | If you own a home, condo, townhouse, or mobile home. |
You are enrolled in school and maintain a B average or better. | |
Driving training | You are a covered driver under 21 who has completed a driver training course and has proven driving experience. |
Resident student | Be a student who resides at a school at least 100 miles away and doesn't have regular access to the vehicle. |
Remember: Discount availability may vary by state, so contact your local Encompass sales representative to ask about which are available in your area.
Encompass coverage options
If you’re buying auto insurance through Encompass, you can purchase individual coverage or one of Encompass’s packages. Their basic auto insurance coverage is standard for all auto insurance companies and is required to meet your state's
minimum car insurance requirements
. Basic coverages available through Encompass include:
- Liability car insurance: Liability insurance includesbodily injury liabilityandproperty damage liability. These insurances will cover the cost of injuries to others or damage to personal property in an at-fault accident up to your policy’s limit. Liability coverage islegally required in most states.
- Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have sufficient insurance to cover the cost of your injuries or property damage. UM/UIM are required in some states.
- Medical Payments: Covers the cost of medical expenses or funeral costs for you and your passengers, regardless of who was at fault.
- Personal injury protection (PIP): Similar to MedPay, PIP covers medical expenses associated with an accident and additional costs like rehab bills, funeral expenses, and lost wages. PIP is required coverage inno-fault states.
- Collision insurance: Collision coverage will pay for damages to your vehicle if you hit another car or stationary object.
- Comprehensive insurance: Covers the cost of repairs for damage resulting from severe weather events, theft, wildlife, fire, flooding, and more. Comprehensive coverage usually covers most events collision insurance does not.
Beyond standard coverages, Encompass auto insurance policies can also be purchased as part of their three packages—Special, Deluxe, and Elite—with additional insurance products added for more protection. Encompass’s Elite packages offers the most comprehensive and expensive coverage. You can include additional coverages outside the features included in these packages, but some are only available with the Elite policy.
- New car replacement coverage: If your car is under four model years old and is totaled in a covered loss, this coverage will pay to replace it with a current model year car or a car of equivalent size and class. This is an optional add-on for all three packages.
- Loan/lease gap coverage: If your car is deemed a total loss, this coverage pays the difference between theactual cash valueof your vehicle and the outstanding balance on yourcar loan. This add-on is optional for all three packages, but you must have comprehensive and collision insurance coverage to qualify.
- Roadside assistance: Also calledtowing and labor coverage, 24/7 roadside assistance is available through Encompass if your car breaks down. You can access the Encompass Roadside Assistance mobile app to request assistance. This service is included in the Elite package and is an optional add-on for other packages.
- Accident forgiveness: If you’re involved in your first at-fault accident, having this coverage prevents your premium from being surcharged. It is only available for the Deluxe and Elite packages. If you purchase an Elite policy, you can get unlimited accident forgiveness, which prevents a surcharge regardless of how many at-fault accidents are on your driving record.
Encompass' additional tools and services
On top of these, you can also include
- Windshield replacement coverage
- Trip interruption coverage
- Company car coverage
Compare Encompass quotes by driver profile
Check out the tables below to see how Encompass quotes change based on your driver profile.
Encompass quotes for teens and seniors
Teen drivers
have some of the highest insurance rates of any age group due to limited experience on the road—and rates with Encompass are no exception. Auto insurance discounts can help teens save on premiums, but you’ll need to qualify for them before you can unlock a lower rate.
Lucinda (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$238
per month
Minerva (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$454
per month
Nancy (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$230
per month
Sally (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$346
per month
Marvin (21 years old)
$365
per month
Starting in their 60s,
senior drivers
’ insurance rates increase due to age-related changes that increase the risk of accidents and injuries. See real quotes seniors found with Encompass below.Leonard (75 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$142
per month
Bruce (72 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$111
per month
Bessie (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$309
per month
Gavin (68 years old)
$82
per month
Encompass quotes for drivers with violations
Car insurance for high-risk drivers
is steep, and if you have violations like a DUI, reckless driving, or driving without insurance on your driving record, you’ll likely see your Encompass insurance rates increase. Among the most common driving violations is speeding. Depending on the severity of your offense, your car insurance rates may increase. Take a look at some real insurance quotes from Encompass that drivers with a speeding ticket found with Jerry.
| Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | $116 | Georgia, 44 Zip: 98499 | Volkswagen Jetta | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | $244 | Louisa, 33 Zip: 85251 | Ford Fusion SE | • 100,000/300,000 Liability • Comp / Collision |
Speeding 16-20 | $440 | Robert, 30 Zip: 85123 | Chevrolet Silverado C1500 Custom | • 100,000/300,000 Liability • Comp / Collision |
Speeding 21+ | $117 | Julian, 42 Zip: 91740 | BMW 320 i | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 24, 2024A DUI offense on your driving history doesn’t bode well for your car insurance rates. If you have a
DUI
conviction on your record and need to file an SR-22
or FR-44 with your state’s DMV, Encompass can help you find the right insurance. Take a look at the table below to see the actual rates Jerry found drivers with a DUI through Encompass.
Abbie (32 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$305
per month
Amy (57 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$324
per month
Virgie (32 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$312
per month
If you’re at fault in a car crash, your car insurance rates with Encompass will increase—if you don’t have accident forgiveness. See how your rates can change after an accident.
| Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | $292 | Mathilda, 33 Zip: 98661 | Mini Cooper Clubman | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | $355 | Francis, 37 Zip: 12206 | Audi A5 Premium Plus | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 18, 2024Speeding tickets, accidents, and DUIs aren’t the only violations that can increase your auto insurance rate with Encompass. The table below shows how other violations can influence your car insurance rates.
| Violation | Premium (monthly) | Customer | Car |
|---|---|---|---|
Careless Driving | $312 | Mark, 45 | Buick Regal |
Cell Phone | $243 | Jason, 26 | Honda CR-V EX |
Illegal Turn | $343 | Rhoda, 28 | KIA Sportage LX |
Driving on Sus. License | $159 | Ruby, 40 | Volkswagen Passat GT |
Speeding 6-10 | $162 | Nathan, 47 | Mercedes-Benz ML 350 4matic |
Last Updated Apr 24, 2024FAQs
How do you file a claim with Encompass?
Unfortunately, Encompass doesn’t offer online claim filing, but you can file a home or auto insurance claim by calling 800-588-7400. You will be assigned a claim number to track your case. Once you’ve filed the initial claim, a claims team member will follow up to answer your questions and determine the best way to handle your loss.
How do I get a quote from Encompass?
Encompass doesn’t offer online quotes, so you’ll need to contact a local insurance agent using their online search tool.
Is Encompass the same as Allstate?
Encompass Insurance is a subsidiary of Allstate Insurance Corporation, one of the largest personal property and casualty insurance companies sold through a network of over 6,500 independent agent locations across the US.
Is Encompass good at paying claims?
Encompass receives fewer customer complaints than the national average for service, claims process, and cost. However, there is no online claims filing, which may delay the processing times and resolution.
Read all Encompass car insurance reviews
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
