Encompass Auto Insurance Review

Encompass Auto Insurance Review


  • Reasonable or fair policy premiums for coverage, and unique protection offerings
  • Strong financial ratings and solvency


  • Below average reviews of claims experience

Encompass Auto Insurance Premium Comparisons

Use our table below to compare Encompass quotes to two other competitors:

Driver Profile Encompass GEICO 21st Century
Young Male, single, age 23 $2,735 $1,895 $2,303
Young Female, single, age 23 1.011 1,684 894
Unmarried Male, age 35 1,620 1,719 1,268
Married Couple 2,378 3,043 1,593

In a study of sample quotes in New Jersey, Encompass's car insurance premiums are generally on par with state averages for demographics such as older drivers and married couples. However, we found cheaper companies for certain demographics of drivers. Young and single drivers in particular should look to see what other companies would provide cheaper car insurance for them. For example, a single 23 year old male in could save $840 considering GEICO over Encompass ($1,895 at GEICO vs. $2,735 at Encompass). Single and young females could save $117 looking at 21st Century instead of Encompass, and nearly 50% over GEICO. These data points explain why drivers should look to see what else is available - for a list of the cheap auto insurers in your area, enter your zip code below and click around.

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Encompass Auto Insurance Policy & Coverage

The Encompass One Special

Automobile insurance at Encompass are easy to customize and convenient. The "Encompass One Special Policy", for example, takes bundling policies to the next level. When it comes to bundling, most other car insurance companies simply give policyholders discounts for bringing another policies into their company. Encompass, however, will actually integrate the auto and homeowner policies, and add on greater protection. Auto and homeowners insurance will get combined so that consumers get protection under one policy, which means that there will be one policy-wide deductible, one premium, and one bill. This tier also provides for a higher level of coverage, including new car replacements and miscellaneous coverage such as silverware protection, refrigerated products coverage, and libel or slander personal injury protection. 

Average Reviews for Encompass

While Encompass is highly rated in terms of financial strength and business fundamentals, the claims settlement experience runs counter to this. Many customers report low satisfaction with the claims, appraisal, investigation, and settlement process with Encompass. Among the reasons cited for this experience is disorganized or inconsistent communication from the company about policyholders' claims. Others say that their investigations and claims payouts took a while to get resolved or paid out. On the other hand, the repair and rental car process received an average rating from customers. Interaction with customer service and other company representatives got fair marks as well.

Insurer Ratings

Metric Rating
AM Best Financial Rating A+
Better Business Bureau Rating (2013) A+
Complaint Ratio per Vehicle (NJ, 2012) 0 / 51,189

Auto Insurance Discounts

Type of Discount Max Percentage Discount*
Airbag Discount 13-25%
Anti-Theft Devices 5-14%
Anti-Lock Brakes 5%
Drivers Training 5%
Good Student 5%
Mature Drivers Course 5%
Multi-Car 24%
Multi-Policy Credit 20%
Passive Restraint 13-25%

*All data provided by the California Department of Insurance 2013 Automobile Premium Survey as of Aug 2013.

How to File a Claim with Encompass Insurance

To file a claim with Encompass, call this number below and follow the telephone menu prompts to speak to a human. Availability: 24 hours a day, 7 days per week

Phone Number: 800-588-7400

  • Press 1 for English or 2 for Spanish
  • Press 2 for glass-only claims, or
  • Press 4 to file a new claim

About Encompass Auto Insurance

Encompass Insurance generally provides national coverage, with the exception of these states: AK, HI, ID, MS, MT, NE, ND, SD, or WY. Allstate assumed operational control of Encompass in 1999 through a re-insurance arrangement, and assumed business fully in 2005. Encompass offers property & casualty insurance that covers homes, cars, power sports vehicles (such as boats), and valuables. From its beginnings in 1897, the insurance company today writes $1.1B in premiums as of the end of 2012. Encompass products and services are offered through 2,800 independent agents in 41 states and supported by 900 Encompass employees. 

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