Encompass insurance review 2025

Encompass car insurance cost

The average cost of Encompass car insurance is $1,137 per year for minimum coverage and $3,052 for full coverage. The average cost of car insurance in the United States is $808 per year for full coverage insurance and $808 per year for minimum coverage, though your rates may vary depending on where you live, the type of car you drive and more. You can use the agent locator tool on the Encompass website to find a local agent to get a quote for Encompass car insurance.

How much is Encompass car insurance?

Your driving history can have a significant impact on how much you pay for car insurance. For instance, having a speeding ticket or an at-fault accident on your record may prevent you from getting the cheapest car insurance rates. Keep in mind, if the incident was recent, it may not immediately show on your motor vehicle record, which could impact your rates when the policy is issued or at the next renewal. Not all carriers offer policies to new customers with a DUI on their record. If you have a DUI or new driving activity, contact an Encompass agent for more information and quotes specific to your driving history.

Encompass Insurance car insurance quotes by age

In most states, age and driving experience can heavily influence the cost of your auto insurance. Teen drivers tend to pay the most for car insurance as they have less driving experience behind the wheel than older age groups. However, teens and inexperienced drivers can save the most money by staying on their parents' policy for as long as possible. While parents will likely see a premium increase when a new driver is added to their existing policy, mom or dad's driving experience and age factors will help keep that overall cost associated with the new driver much lower than if they were listed on their own policy.

Compare Encompass car insurance rates 

Insurance rates between carriers can vary for multiple reasons. Depending on each carrier's business model, some rating factors, such as driving experience and vehicle type, can weigh more heavily on premiums for one company than another. This is why shopping coverage with multiple carriers can help you find a rate suited to your driving characteristics. Here is how rates from Encompass stack up when compared to other carriers.

Encompass customer satisfaction

One way to determine if the company is a good fit is to take a look at third-party Encompass Insurance reviews. These scores and ratings use real, current and prospective consumers' experiences to show how an insurance company compares to competitors. Unfortunately, because Encompass is a smaller company, it is not rated by J.D. Power. Its rating with AM Best for financial strength, however, is high, indicating a company that has historically met its claims obligations.

Encompass auto insurance customer complaints

Encompass car insurance discounts

Encompass Insurance gives its policyholders a variety of discounts and ways to save. The company might offer discounts for setting up automatic payments, maintaining good grades, paying the premium in full, having safety features and more. In addition to these standard discounts, Encompass also offers the following car insurance discounts:

• Safe driving bonus: You may be eligible to receive up to 5 percent off your next renewal premium if all drivers listed on the policy remained free of at-fault accidents for the prior 12-month period.
• Defensive driver discount: Drivers in certain states who complete approved defensive driving courses may receive a discount on their auto insurance policy.
• Driver training discount: Drivers under 21 who complete a training course and several hours of driving time may be eligible to receive a discount.
• Resident student discount: If your young adult student lives at school at least 100 miles away from home and doesn't have a vehicle with them, you could get a discount on your auto policy.

Encompass home insurance cost

The average cost of home insurance from Encompass Insurance is $2,449 for $300,000 in dwelling coverage, but will likely vary based on your ZIP code, age and condition of the home and coverage needs. The average cost of homeowners insurance nationwide is $2,329 per year for a policy with the same level of coverage. If you want to get a homeowners insurance quote from Encompass, you will need to speak with an Encompass insurance agent, as there is no option to get a quote online.

Compare Encompass homeowners insurance rates

Aside from location, state laws, rebuild cost, square footage and several other factors impact how much your home insurance premium is with one company versus another. The convenience of having auto and home billed together may outweigh the cost for some policyholders. Here is how Encompass home insurance rates compare with other providers.

Encompass customer satisfaction

Encompass Insurance customer satisfaction

As is true for Encompass's auto insurance, the company's home insurance claims and customer service satisfaction are not scored by J.D. Power. While it has a broad range of availability, it is not a national carrier, which is where J.D. Power tends to focus its ratings. Note that a lack of rating by J.D. Power is not a positive or negative indication of the quality of Encompass's service. However, Encompass’s AM Best financial strength rating of A+ (Superior) shows that it should be able to honor its financial obligations during a loss.

Encompass home insurance customer complaints

Encompass Insurance home insurance discounts

Encompass Insurance offers a few different homeowners insurance discounts you might be eligible for, including:

• Renovation discount: Recent updates made within the last 10 years to a home system, including heating, cooling, plumbing and roofing, could qualify you for this discount.
• Homebuyer discount: If you purchased a home in the last five years that is less than 49 years old, this discount could be added to your policy
• Protection devices discount: A credit could be applied to your homeowners insurance policy if you have a fire or burglar alarm, fire extinguisher or another safety device
• Dwelling age discount: You may get a discount if your home is 20 years old or newer.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.