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Encompass insurance review 2024

Updated Apr 23, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.6
Rating: 3.6 stars out of 5
Bankrate Score
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Auto

Rating: 3.4 stars out of 5

3.4

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Cost & ratings

Rating: 3.3 stars out of 5

3.3

Coverage

Rating: 4 stars out of 5

4.0

Support

Rating: 3 stars out of 5

3.0

Home

Rating: 3.7 stars out of 5

3.7

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Cost & ratings

Rating: 3.7 stars out of 5

3.7

Coverage

Rating: 3.7 stars out of 5

3.7

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

Bankrate's take

Policyholders looking for a packaged policy with tiered coverage options and a single policy deductible and premium might consider Encompass.

  • Offers plans that combine auto and home policies into a single premium and deductible
  • Does not have nationwide availability
  • Both auto and home policies have a variety of endorsement options
  • Limited app and online capabilities

Encompass car insurance review

Bankrate’s insurance editorial team conducted an in-depth study of Encompass, and based on our findings, we’ve issued the company a Bankrate Score of 3.4 out of 5 for its auto insurance product. Although the company offers many discount opportunities and coverage packages, Encompass’ low mobile app ratings and lack of 24/7 customer support for non-claims drove down this score.

With that said, this insurance provider could be a good option to consider for certain drivers who want to simplify the car insurance process or pay for just one deductible across their home and auto policies. Encompass works to simplify the car insurance process with its EncompassOne Policy (which includes home and auto combined) and offers three car insurance tiers: Special, Deluxe and Elite.

Encompass car insurance comes with pre-selected features, limits and discounts, although drivers can craft their own policies as well. Outside of the standard coverage types you'd expect to find with a typical company, Encompass also offers new car replacement and gap coverage, which may interest those with brand-new vehicles. Additionally, Encompass offers accident forgiveness, protecting you from a surcharge if you're involved in an at-fault accident. Even better, drivers with an EncompassOne policy could have more than one at-fault accident forgiven with the company's enhanced accident forgiveness option.

Pros and cons of Encompass car insurance

As with any car insurance company, there are pros and cons to consider when choosing a carrier. Weigh the following pros and cons of Encompass Insurance car insurance to help you decide if this carrier might be the right fit for you.

Green circle with a checkmark inside

Pros

  • Multiple ways to customize coverage
  • EncompassOne policy enhances optional coverages
  • Roadside assistance app available 24/7
  • Multiple discounts available
Red circle with an X inside

Cons

  • No quotes available online
  • Not available nationwide
  • No online claims filing
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Encompass car insurance cost

The average cost of Encompass car insurance is $832 per year for minimum coverage and $2,243 for full coverage. The average cost of car insurance in the United States is $637 per year for full coverage insurance and $637 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.

Good driver, good credit
Encompass full coverage premium
$2,243
National full coverage premium
$2,299
Encompass full coverage premium
$3,516
National full coverage premium
$4,248
Encompass full coverage premium
$2,515
National full coverage premium
$2,773
Encompass full coverage premium
$2,863
National full coverage premium
$3,280
Encompass full coverage premium
$8,455
National full coverage premium
$4,399
*All rates displayed are average annual rates.

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.

Encompass full coverage premium
$4,524
National full coverage premium
$5,015
Encompass full coverage premium
$3,966
National full coverage premium
$4,333
Encompass full coverage premium
$5,328
National full coverage premium
$4,671
Encompass full coverage premium
$2,794
National full coverage premium
$2,852
Encompass full coverage premium
$2,243
National full coverage premium
$2,450
Encompass full coverage premium
$2,243
National full coverage premium
$2,299
Encompass full coverage premium
$1,949
National full coverage premium
$2,087
Encompass full coverage premium
$2,243
National full coverage premium
$2,299
Encompass full coverage premium
$1,949
National full coverage premium
$2,087
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ 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.

Company Avg. full coverage premium Avg. min coverage premium
$2,243
$832
$2,406
$713
$2,021
$576
$2,977
$796
$1,709
$435
$1,564
$698
$1,895
$663
$1,565
$459
$1,703
$584
$1,631
$415
CSAA
$4,520
$950
$1,564
$698
$1,895
$663
$1,565
$459
$1,703
$584
$1,631
$415
CSAA
$4,520
$950
*All rates displayed are average annual rates.

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

The NAIC complaint index for Encompass's private passenger auto insurance policies have been above average for the last two years, although it may be worth noting that even the 2.33 rating it received in 2022 is only the equivalent of six complaints. While the company’s complaints seem to have improved slightly for 2023, so you may want to talk with family or friends that use Encompass car insurance to learn more about their experiences.

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.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Encompass
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Encompass home insurance review

After reviewing Encompass home insurance, we’ve issued this product a Bankrate Score of 3.7 out of 5.0. While the company does offer more homeowners discounts compared to some other competitors, its overall average base premiums are higher than average. Additionally, the company does not offer online claims filing, which some homeowners may find inconvenient.

Like its car insurance policies, the EncompassOne policy for homeowners insurance also comes in three tiers: Special, Deluxe and Elite. There are unique policy features for each tier, along with discounts and policy limits. For example, the Elite and Deluxe homeowners tiers come with 200 percent extended dwelling coverage. Some other customizable options include water backup protection, mortgage rate protection if your mortgage is affected due to a covered total loss, and computer and data recovery coverage.

With Encompass, you can also customize your home policy with add-ons like enhanced replacement cost coverage, which will pay to rebuild your home after a covered loss, even if the cost is higher than the insured amount. Encompass also offers mortgage rate protection. If you must get a new mortgage after a total loss and the interest rate is higher than your previous rate, Encompass will cover up to $20,000 in increased costs for acquisition fees, closing costs and other fees.

Pros and cons of Encompass Insurance homeowners insurance

Whether you’re a new homebuyer or simply looking for cheaper rates, comparing home insurance quotes can seem intimidating. However, making a list of the pros and cons can help you choose the best home insurance company for your situation and needs.

Green circle with a checkmark inside

Pros

  • EncompassOne policy tiers come with different benefits and features
  • Standalone homeowners policy has several add-on coverage options available
  • Numerous discount opportunities
Red circle with an X inside

Cons

  • No online claims filing
  • No online quotes
  • Average rates are higher than national average
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Encompass home insurance cost

The average cost of home insurance from Encompass Insurance is $2,627 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 $2,153 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.

$150K dwelling
Encompass average premium
$1,622
National average premium
$1,293
$300K dwelling
Encompass average premium
$2,627
National average premium
$2,153
$350K dwelling
Encompass average premium
$2,912
National average premium
$2,447
$450K dwelling
Encompass average premium
$3,584
National average premium
$3,034
$750K dwelling
Encompass average premium
$5,247
National average premium
$4,758

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.

Company Avg. annual premium Difference compared to national average
$2,627
+ $474
$1,795
- $358
$1,917
- $236
$1,431
- $722
$2,312
+ $159
$1,662
- $491
$3,593
+ $1,440
$1,594
- $559
Progressive
$2,359
+ $206
$1,578
- $575
$1,406
- $747
$1,662
- $491
$3,593
+ $1,440
$1,594
- $559
Progressive
$2,359
+ $206
$1,578
- $575
$1,406
- $747

Encompass customer satisfaction

Encompass Insurance customer satisfaction

Just like for Encompass’s auto policies, home insurance claims and customer service satisfaction is 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 rating. 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

In the past, Encompass has struggled with managing customer expectations with its homeowner policies. In two of the last three years, it has scored above average for complaints. However, in 2023, Encompass only had two complaints filed with NAIC and its score now shows less than the average number of complaints for a company of its size.

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 the roof could qualify you for this discount to be added to your policy
  • 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.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Encompass

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Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare Encompass with other insurers

If you’re still unsure if Encompass Insurance is right for you, there are alternatives to consider.

Badge 1 Featured

Encompass

Encompass
Rating: 3.6 stars out of 5
3.6
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Cost & ratings

Rating: 3.5 stars out of 5
3.5

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 3.5 stars out of 5
3.5

Allstate

Allstate
Rating: 4.1 stars out of 5
4.1
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Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4 stars out of 5
4.0

Progressive

Progressive
Rating: 4.4 stars out of 5
4.4
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Cost & ratings

Rating: 4.2 stars out of 5
4.2

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 4.3 stars out of 5
4.3
OVERVIEW
Info
As Encompass’ parent company, Allstate Insurance offers the same insurance products, but does not have a bundle policy with a single deduction and premium like Encompass. However, safe drivers may be able to save more with Allstate through DriveWise, its telematics program.
Progressive is a national carrier that offers similar insurance products to Encompass but it does not have the single policy option. Progressive may be a good fit for people with insurance needs that Encompass does not provide for or in states where Encompass does not offer coverage.
STANDOUT FEATURES
Info
Location
Nationwide availability
Online Reviews
Strong online and app tools
Loan
Numerous discount opportunities
Location
Nationwide availability
Loan
Wide range of insurance products
Dollar Coin
Various discount and bundles
AVG FULL COV. AUTO RATE
Info
$2,977 $2,021
J.D. POWER AUTO SCORE
Info
889/1000 870/1000
AVG HOME RATE
Info
$1,917 $2,359
J.D. POWER HOME SCORE
Info
809/1000 Not Scored
AM BEST RATING
Info
A+(Superior) A+(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Encompass insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Encompass Insurance a good insurance company?

Bankrate established itself as a trusted voice in the financial services space as a print publication in 1976. At that time, we were called the Bank Rate Monitor. We've evolved over the decades and now help millions of readers make sound decisions regarding their mortgages, investments and insurance, among other important topics. Members of our insurance editorial staff are licensed agents, and we use our real-life industry knowledge to conduct extensive company reviews each year.

Encompass may be a good insurance company to consider if it’s available in your state. However, it has limited third-party customer reviews and scores, which can make it more challenging to determine whether the carrier will meet your needs. Encompass offers numerous insurance products, and its EncompassOne policy may be an attractive and affordable option for some. However, it has higher-than-average complaints with the NAIC compared to the industry average.

What are real-life customers saying about Encompass?

With a company like Encompass that doesn’t have J.D. Power ratings, finding reviews from current policyholders can be vital when deciding what insurance company to trust with your most valuable assets. Bankrate reviewed multiple review sites and social media platforms so we can provide you with accurate and updated information in a condensed manner.

Possibly because Allstate purchased Encompass and there are currently undergoing internal changes throughout the company, there aren’t many reviews available for Encompass dated within the past couple of years. Reviews on Yelp show that customers are very unhappy with the claims and customer service they are receiving, with a significant focus on lack of communication and claim payout amounts. However, reviews dated before 2018 reflect a much better experience.

Trustpilot only has one review for Encompass and that one, too, points to a lack of communication and quality of customer service as a major sticking point. Users on Reddit are mostly concerned with the future of Encompass and if the rebranding of the company will impact availability. In this situation, picking up the phone and speaking directly to an Encompass agent may give you the most realistic impression of what doing business with this company is like.

Encompass company details

If you would like to speak to Encompass about starting a new policy or have questions about an existing policy, here is the most pertinent contact information that you will need:

  • To purchase a new policy, find a local agent by using Encompass’s online agent locator 
  • To file a claim, call 1-800-588-7400
  • Website: encompassinsurance.com
  • For general correspondence, send mail to 2775 Sanders Rd Northbrook, Illinois 60062-6110

State availability

  • Encompass is available in all states except the following: AK, FL, HI, MA, MS, MT, NC, ND, SD and WY

Encompass Insurance tools and benefits

Encompass offers a few other insurance products in addition to home and auto insurance, as well as some perks that may appeal to policyholders. These include:

  • Condominium insurance: Condominium owners need a different type of insurance policy, and this policy is tailored specifically for their unit, belongings and liability risk.
  • Renters insurance: As a renter, this policy type provides coverage for your personal belongings, liability and loss of use.
  • Personal umbrella policy: With a personal umbrella policy, you can extend the liability coverage of your home and car insurance to further protect your financial assets.
  • Identity theft protection: This coverage option could pay up to $20,000 for recovering damages and fees if your identity is stolen.
  • Lifestyle endorsement: This unusual endorsement extends your coverage in several ways, including coverage for alternative education or care if a dependent's school is closed as a result of a covered loss and coverage against theft while traveling.
  • Home business insurance: Covers liability, medical expenses and more for a home-based business.
  • Auto policy extras: The Deluxe policy includes free windshield repairs, first-time accident forgiveness and electronic equipment coverage. The Elite package offers unlimited accident forgiveness, auto trip interruption, roadside assistance company car protection and other features of the Deluxe plan.

Frequently asked questions about Encompass

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

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.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 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 NAIC, were analyzed.
  • 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 an auto and 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 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.

Written by
Shannon Martin
Writer, Insurance

Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Edited by Editor, Insurance