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Encompass car insurance review 2021

Bundle home, auto and personal belongings coverage for steep savings and convenience.

finder.com's rating: 4 / 5

★★★★★

  • Get a quote if you like the personal touch of speaking with an agent.
  • Pick something else if you want to get a quote and sign up online.
  • Only drivers in Encompass’s service area can get coverage.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin
Roadside assistance Included free
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months
Claims methods online
Rideshare coverage No
SR-22 support No info available

Pros

  • Flexible coverage
  • Long list of vehicle discounts
  • Conveniently bundled policies

Cons

  • Limited availability
  • No online quotes
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes, up to 5%
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount Yes, up to 5%
Special employment discount No
Usage-based discount No

Review by


Shannon Terrell is a senior writer for Finder who has written over 400 personal finance guides. With a focus on investments and personal finance, she breaks down jargon-laden topics to help others make informed financial decisions. She studied communications and English literature at the University of Toronto.

Expert review

Encompass offers a range of standard and optional coverage, plus it adds the perk of a no-fuss policy called EncompassOne that combines home, auto and personal belongings insurance. Another perk of using Encompass is that you get to work with a local agent — in fact, this is the main way that the company sells car insurance.

Unlike some smaller brands, Encompass isn’t new to the industry, packing 25 years of experience under its belt. Plus, Allstate is its parent company, lending credibility to Encompass’s financial stability.

However, Encompass isn’t available across all 50 states and lacks the quick online quotes and application typically offered with major brands.

You might consider Encompass if you’re curious about your rates with a local company. But since you’re likely to find several companies with similar perks and more, consider all your car insurance options to make the best decision for you.

How to get a free quote for Encompass

Encompass doesn’t have an online quote or application process available. Instead, you’ll need to locate a local Encompass agent near you and call or email a representative to apply.

While applying in person is more tedious than applying online, an insurance agent can answer questions about rates and coverage options.

What info do I need to apply?

Shorten the buying process by keeping this information on hand.

  • Your address
  • Your date of birth
  • Your Social Security number
  • Your driver’s license
  • The year, make, model and VIN number of the vehicles you want insured

How to find an Encompass local agent near me

Encompass makes it easy to find an agent near you with a list of agents, their contact info and location. Agents closest to you are listed first when you use its agent search tool.

  1. Go to the Encompass auto insurance homepage.
  2. Click the Talk to your agent button at the bottom of the page.
  3. Enter your address and click Find an Agent.

What discounts can I get with Encompass?

This company offers a myriad of discounts to help you save on your car insurance premiums.

  • Safe driving bonus. If all drivers on your policy are incident-free for at least 12 months, you could be eligible for a discount of up to 5%.
  • Future effective date. It saves to plan ahead. Encompass offers discounts for drivers who have their policies issued seven or more days before the effective date.
  • Encompass easy pay. Encompass offers a discount to use its easy pay feature, allowing you to set up automatic payments on your policy.
  • New car. Insure a new vehicle with Encompass and you’ll be eligible for a policy discount.
  • Homeowner. If you own your home, condo, townhouse or mobile home, all vehicles on your policy could receive a discount.
  • Good payer. If you’d like to renew your policy with Encompass and have made on-time payments for 12 months, you could be eligible for this discount.
  • Defensive driver. You can get this discount if you’ve successfully completed a state-approved defensive driving course.
  • Antilock brake. Discounts if your car came with two- or four-wheel Anti-Lock Braking Systems (ABS).
  • Antitheft device. Protect your car and save when you install an anti-theft device, such as an immobilizer or VIN etching.
  • Passive restraints. Discounts to your medical or personal injury protection if your vehicle has factory-installed airbags or a motorized automatic seat belt restraint system.
  • Good student. Student drivers who maintain a 3.0 GPA or better can get a discount.
  • Driver training. If you are younger than 21 years old and have completed a driver’s training course with several hours of driving experience, you could be eligible for this discount.
  • Resident student. Become eligible for this discount if you’re a student who lives at least 100 miles from home and don’t have a vehicle with you at school.

What extra benefits or add-ons does Encompass offer?

Encompass includes some extras with its policies while offering add-ons to customize your protection.

  • Accident forgiveness. This add-on can help protect your premiums in the event of an at-fault accident.
  • New car replacement. If your car is four years old or younger and critically damaged in an accident, Encompass will replace your vehicle with a new one.
  • Roadside assistance. The roadside app provides 24/7 assistance with an array of roadside services like towing, battery jumps and flat tire repair.
  • Rental reimbursement. Book a rental at no cost to you to get around while your car is getting accident-related repairs.
  • Electronic equipment. Cover damage to electronics installed in your car, like a custom stereo. Plus, protect your CDs and other media stored in your car.
  • Trip interruption. Get your lodging, meals or extra transportation expenses covered if you experience an accident more than 100 miles from home.

Encompass car insurance reviews and complaints

Encompass is not accredited by the Better Business Bureau (BBB), but it holds an A+ BBB rating as of 2021. The company has closed nearly 30 BBB complaints in the last three years, which is a fairly common amount for a small brand. Many complaints involve customer service not responding to problems with claims and disagreements with claims payouts or how claims are handled.

Encompass also receives a 1.47 score for the 2020 National Association of Insurance Commissioners complaint index for private auto insurance. Since the industry standard is 1.00, anything above this standard shows too many customer complaints.

On the bright side, AM Best gives Encompass an A+ (Superior) rating for its finances. Encompass is also backed by Allstate, the fifth-largest property and casualty insurance company in the US. Allstate holds an A+ financial rating from AM Best, proving both its and Encompass’s stability.

Our star ratings for Encompass, explained

Finder’s car insurance experts rate Encompass above average because of its wellrounded coverage options, strong finances and high BBB rating. However, the company can work on its customer experience, as shown by its above-average complaints.

Compare alternatives to Encompass

See how Encompass stacks up to other companies’ coverage and benefits. Then select Get quotes to see your customized policy.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Compare up to 4 providers

What car insurance coverage does Encompass offer?

Encompass offers high limits for those who need high liability protection or have many assets. Plus, it offers a variety of standard and add-ons coverage, including:

  • Liability. Pays for medical and auto repair expenses with limits up to $250,000 for bodily injury coverage per person and $500,000 per accident.
  • Comprehensive. Pays for damage to your car caused by something other than an accident, like natural disasters, falling objects or vandalism.
  • Collision. Pay for repairs to your own car if you’re at fault in an accident.
  • Uninsured or underinsured motorist liability. If you’re in an accident with someone who is uninsured or underinsured, this coverage helps cover repair costs.
  • Loan or lease gap coverage. This coverage pays the difference between the amount you owe on your car loan or lease and its actual cash value after a total loss.

    What does Encompass’s auto and home bundle include?

    Encompass offers a simple solution with its EncompassOne policy: A comprehensive insurance plan with three tiers of coverage, including coverage for your home, auto and personal belongings.

    An in-depth look at what these policies cover for your car:

    Auto coverageSpecialDeluxeElite
    Single deductible for a loss to property and auto at the same timeCoveredCoveredCovered
    State minimum coverageCoveredCoveredCovered
    Accident forgivenessNot coveredFirst-time accidents after five yearsNo premium surcharges
    Windshield repairsWith deductibleNo deductibleNo deductible
    Electronic equipmentOptionalCoveredCovered
    Roadside assistanceOptionalOptionalCovered
    Trip interruptionNot specifiedOptionalCovered
    Driving your employer’s carNot coveredNot coveredCovered
    No-claims bonusNot specifiedNot specified5% off for no claims within the last year
    The EncompassOne policies also offer high coverage for your home and contents within it:
    Home coverageSpecialDeluxeElite
    Personal liabilityCoveredCoveredCovered
    DwellingUp to $1 millionUp to $1 millionUp to $1 million
    Replacement costOptional200% of home value200% of home value
    Upgrades to new building codesOptionalCoveredCovered
    Personal belongingsCovered200% of its market value200% of its market value
    Additional living expensesNo dollar limits, covered up to one yearNo dollar limits, covered up to one yearNo time or dollar limits
    Medical expensesCoveredCovered$10,000
    Water backupsOptionalOptionalCovered
    BurglaryCoveredCoveredCovered, including reward money for finding your items
    Lock replacementNot specifiedNot specifiedCovered with no deductible
    Homeowner association shared losses$1,000$5,000$50,000
    LandscapingCoveredCoveredCovered
    JewelryCovered$5,000$10,000
    Fine artNot specifiedNot specifiedGlass frames and porcelain fine art covered
    Mortgage rate protectionNot coveredUp to $20,000 for acquiring a new higher-rate mortgageUp to $20,000 for acquiring a new higher-rate mortgage
    Identity fraudOptionalOptionalUp to $20,000

    Pros and cons of Encompass car insurance

    Encompass’s best features are its local agents and bundled insurance packages, offering personalized advice and high-level protection. But you can’t get an estimate online.

    Pros

    This local company helps drivers by offering:

    • Local agents can give personal advice. Unlike some major companies, Encompass works through local agents to make sure you buy the right coverage.
    • Long list of discounts. Enjoy a wide range of available discounts for homeowners, good students, new cars, defensive drivers and more.
    • Conveniently bundled policies. The EncompassOne policy offers insures your home, car and personal belongings with wide protection under a single policy and premium.

    Cons

    Encompass comes with a few drawbacks, including:

    • Limited availability. Encompass insurance is not available in Alaska, Florida, Hawaii, Massachusetts, Mississippi, Montana, North Carolina, North Dakota, South Dakota and Wyoming.
    • No online quotes. To receive a quote from Encompass or to apply for an insurance policy, you have to call an independent agent or request a quote through its online form.

    How to make a claim with Encompass

    While we hope you don’t need these steps, know what to expect when reporting a car accident with Encompass.

    1. To make a car insurance claim with Encompass, call its claims office at 800-588-7400.
    2. A field adjuster is assigned to your file and contacts you within one business day.
    3. You can choose to have your car inspected at one of Encompass’ authorized shops, or you can take your car to a repair shop you know and trust.
    4. Once your car is inspected, the field adjuster writes an initial estimate for the damages to your vehicle. After the estimate is complete, schedule any repairs that need to be done to your vehicle.

    Frequently asked questions about Encompass car insurance

    Car insurance ratings

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    Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

    We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

    Learn the details of our methodology and scoring.

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