Encompass Auto Insurance Review (2024)

If you’re searching for the best auto insurance companies in your area, Encompass may be an excellent fit for you. Encompass Insurance offers auto and home insurance, plus coverage for personal possessions. Encompass is a subsidiary of Allstate Insurance, with a solid financial strength rating and a stable outlook on future endeavors.

Unfortunately, you cannot get quotes for Encompass Insurance online. So you’ll have to call the company and speak with a representative to see how much Encompass Insurance would be for you.

Before committing to any auto insurance plan, shop around online and compare rates with multiple providers to ensure you get the best coverage deal.

What You Should Know About Encompass Insurance Company

According to the National Association of Insurance Commissioners (NAIC), Encompass receives close to the expected number of complaints for an insurance company of its size. Encompass reviews state the company has good customer service but needs a more helpful and timely claims system.

Encompass’ parent company, Allstate, has an A+ (Superior) financial strength rating with A.M. Best. The company also has a stable outlook on future endeavors.

If you’re considering purchasing an insurance policy with Encompass, consider reading online customer reviews to see what past and current policyholders have to say about the company.

Encompass Insurance Company Insurance Coverage Options

Encompass offers packages that combine insurance products, but the company also offers stand-alone products that policyholders can purchase individually. In many cases, packages provide cheaper rates and additional coverage options.

Special Policy Package

The Special Policy Package is Encompass’ entry-level package. Policyholders can add the following coverages for an additional charge:

• New car replacement. Encompass will replace your car with the same make and model if yours is totaled in a covered accident. Your car must be under four model years old, and you must be the original owner of the vehicle.
• Electronic equipment coverage. Encompass will replace permanently installed electronic equipment in your vehicle. Electronic equipment coverage is only available with comprehensive insurance.
• GAP coverage. Encompass will pay the difference between your vehicle’s actual value and what you owe on your car loan. GAP coverage is only available with full coverage policies

With a Special Policy Package, policyholders can decide whether they want a liability-only policy, a liability plus collision or comprehensive, or a full coverage policy that includes liability, collision, and comprehensive coverage.

Deluxe Policy Package

The Deluxe Policy Package allows individuals to choose their level of coverage and automatically includes electronic equipment, windshield replacement, and accident forgiveness.

Policyholders can add new car replacement, GAP insurance, and auto-trip interruption coverage — a type of long-distance roadside assistance — to a Deluxe Policy Package.

Elite Policy Package

An Elite Policy Package is Encompass’ highest tier of auto insurance coverage. With the Elite Policy Package, policyholders get all the coverages listed above except new car replacement and GAP insurance.

The Elite Policy Package also includes:

• Unlimited accident forgiveness. Your rates will never go up because of an accident.
• Company car protection. Your Encompass insurance will cover you even if you’re using a company vehicle.

Rates for the Encompass Insurance packages vary based on several factors.

What other types of insurance does Encompass offer?

In addition to auto insurance, Encompass offers the following insurance products:

• Condo
• Renters
• Motorcycle
• Boat
• Umbrella
• RV

If you purchase multiple insurance products, Encompass offers discount opportunities to save money on coverage.

Does Encompass have a mobile app?

Encompass has a roadside assistance app for individuals who include this add-on in their policies. With this app, you can ask for help, share your location, and see your policy details.

Encompass allows policyholders to pay for coverage and view pertinent information on the company website through their MyEncompass account.

Encompass Insurance Company Insurance Rates Breakdown

Rates for the Encompass Insurance packages vary based on several factors.

How much is Encompass Insurance?

You will not know how much you’ll pay for Encompass Insurance until you speak with a company representative. Because the company does not offer car insurance quotes online, it’s impossible to know how much a car insurance policy would cost.

The average cost for a full coverage car insurance policy in the U.S. is $1,674 annually.

Now compare that with the average rates for minimum coverage with the top insurers in the country.

Still, if you have a speeding ticket or accident on your record or a teen driver on your insurance, you can expect your rates to be higher. Below is a chart on how much you can expect your rates to increase if you get into an accident.

Drivers will notice similar increases after a traffic ticket.

Drivers with a DUI on their record will see the largest increase in their auto insurance rates. Some companies might refuse to cover drivers with DUI.  We’ve put together a list of companies that do offer insurance to these high-risk drivers.

Besides driving history and coverage options, your age also has an effect on how much you pay for car insurance. Young drivers have less experience behind the wheel and see much higher car insurance rates.

Once drivers reach 25 years of age, they will see their rates drop drastically — as long as they have maintained a clean driving record.

Encompass Insurance Company Discounts Available

Encompass offers several auto insurance discount options to policyholders, such as:

• Safe driver
• Good student
• Safety features (anti-lock brakes, anti-theft device, passive restraint system)
• Early signing
• New car
• Multi-policy
• Defensive driver
• Driver training course (for drivers under 21)
• Defensive driving training course
• Student away at school
• Automatic payments
• Timely payments

You may be able to save up to 25% on your auto insurance premium if you qualify for specific discounts, so speak to an Encompass representative to see if you’re eligible.