Encompass auto insurance review: Full-coverage and package policies sold through independent agents

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Editors’ take: Encompass car insurance could be a good option for younger drivers looking to cash in on discounts or those interested in packaging their key insurance products with the same company. Encompass policies are only issued through a network of independent agents, so if you’re interested in an online-centric insurance experience, you may want to look elsewhere.


Encompass auto insurance at a glance

AvailabilityAvailable in 40 states and Washington, D.C.
J.D. Power customer satisfaction ratingsNot listed
How to get an insurance quoteVia an agent
How to submit a claimVia a 24-hour hotline

Pros

  • Several possible discount opportunities
  • May be a good option for families with teen drivers
  • EncompassOne policy combines several coverages

Cons

  • Not available in every state

What you need to know about Encompass auto insurance

Encompass, an Allstate subsidiary, is one of the largest insurance companies with policies sold exclusively by independent agents.

It offers home and auto insurance policies, plus other insurance products, including business insurance, motorcycle insurance, RV insurance, boat and watercraft insurance, and identity theft protection.

Its EncompassOne policy is available in three different coverage tiers and offers a comprehensive package of insurance coverages.

May be a good option for teen drivers

Encompass offers several insurance features that may be helpful for younger drivers, including unlimited accident forgiveness and discounts for students who get good grades. Drivers under 21 who have actual experience and completed a driver’s education course and students who live without a vehicle at a school at least 100 miles away from home are also eligible for discounts.

EncompassOne policy combines several coverages under one package

The EncompassOne policy is a package policy that includes coverage for home, auto and other personal possessions. This option may simplify the insurance process by combining premiums and deductibles with one agent. Plus, customers can choose their coverage limits and features for an insurance package that fits their needs.

Not available in every state

Encompass doesn’t currently provide insurance products in every state, so you’ll need to check with the insurer if it offers coverage in your state before committing to Encompass.

Auto coverage offered by Encompass

Encompass offers auto insurance in three tiers — special, deluxe and elite. In addition to basic collision and liability coverage, Encompass policies offer optional features, including new car replacement, accident forgiveness, loan/lease gap coverage and roadside assistance.

Auto insurance discounts offered by Encompass

Drivers may also be eligible for a wide range of auto insurance discounts with Encompass, including the following:

  • Safe driver bonus
  • Future effective date discount
  • Automatic payment discount
  • New car discount
  • Homeowners discount
  • Good payer discount
  • Defensive driver discount
  • Anti-lock brake discount
  • Anti-theft device discount
  • Passive restraint system discount

FAQs about Encompass car insurance

Who is Encompass insurance owned by?

Encompass has been a subsidiary of Allstate since 1999.

Is Encompass insurance nonstandard?

Encompass doesn’t appear to offer nonstandard auto insurance for high-risk drivers. But you may be able to work with an independent agent to build a coverage plan that suits your specific needs.

How long has Encompass insurance been around?

The company that would eventually become Encompass began selling insurance in 1897. It officially became the Encompass Insurance Company in the 1990s.

Not sure if Encompass auto insurance is right for you? Consider these alternatives.

  • Liberty Mutual If you’re a good driver, you could save up to 40% on car insurance by signing up for the company’s usage-based insurance program, RightTrack.
  • Geico This insurance company may be ideal if you’re looking for a way to bundle multiple insurance policies under one provider.


About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.