American Family vs Encompass Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Encompass
63
What is this?

Insurify Composite Score

American Family VS Encompass
89
63
What is this?
User Ratings
OptionsAmerican Family Encompass
Rating/Reviews
138 reviews
11 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Encompass
Local AgentBetter than most--
Overall SatisfactionBetter than most--
Policy OfferingsBetter than most--
PricingBetter than most--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Encompass
Claim ServicingAbout average--
Estimation ProcessAbout average--
First Notice of Loss (FNOL)About average--
Overall SatisfactionAbout average--
Rental ExperienceAbout average--
Repair ProcessAbout average--
SettlementAbout average--
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Encompass
Central823 pt
About average
--
North Central820 pt
About average
--
Northwest826 pt
Better than most
--
Southwest819 pt
About average
--
Mobile App Ratings
RegionAmerican Family Encompass
Android
1,081 Reviews
--
iOS
6,200 Reviews
--
Financial Ratings
OptionsAmerican Family Encompass
A.M. BestAA+
FitchA+A+
Moody'sAa3--
Standard & Poor'sA+--

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Encompass
Austin--$68
Chicago$76--
Philadelphia--$156
Phoenix$82$92

For Single Drivers

CityAmerican Family Encompass
Austin--$75
Chicago$76--
Philadelphia--$188
Phoenix$82$114

For Male Drivers

CityAmerican Family Encompass
Austin--$64
Chicago$76--
Philadelphia--$167
Phoenix$82$98

For Female Drivers

CityAmerican Family Encompass
Austin--$80
Chicago$76--
Philadelphia--$176
Phoenix$82$108

For Drivers with Speeding Ticket

CityAmerican Family Encompass
Austin--$100
Chicago$102--
Philadelphia--$218
Phoenix$121$218

For Drivers with No Speeding Ticket

CityAmerican Family Encompass
Austin--$66
Chicago$70--
Philadelphia--$165
Phoenix$74$78

For Drivers Age Between 18-40

CityAmerican Family Encompass
Austin--$76
Chicago$76--
Philadelphia--$183
Phoenix$81$115

For Drivers Age Between 40-65

CityAmerican Family Encompass
Austin--$66
Chicago$72--
Philadelphia--$151
Phoenix$77$93

For Drivers Age of 65+

CityAmerican Family Encompass
Austin--$74
Chicago$89--
Philadelphia--$208
Phoenix$104$92

For Drivers with Average Credit

CityAmerican Family Encompass
Austin--$87
Chicago$80--
Philadelphia--$198
Phoenix$87$123

For Drivers with Fair Credit

CityAmerican Family Encompass
Austin--$87
Chicago$82--
Philadelphia--$184
Phoenix$89$93

For Drivers with Good Credit

CityAmerican Family Encompass
Austin--$55
Chicago$73--
Philadelphia--$149
Phoenix$80$96

For Drivers with Excellent Credit

CityAmerican Family Encompass
Austin--$58
Chicago$68--
Philadelphia--$156
Phoenix$72$99

Quotes & Discounts

Discount typeAmerican Family Encompass
Passive RestraintUp to 30%Varies
Good StudentUp to 25%Varies
MilitaryUp to 25%--
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%Varies
Multiple PolicyUp to 15%--
Multiple VehicleUp to 13%--
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%Varies
Driving HabitsUp to 5%--
Early QuoteUp to 5%Varies
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%Varies
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%--
Preferred paymentUp to 5%Varies
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%--
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%--
Accident ForgivenessVariesVaries
Anti-Theft DeviceVariesVaries
Defensive DriverVariesVaries
teenSMARTVariesVaries
Driving training--Varies
Good Driver--Varies
Good Payer--Varies
New Car--Varies

Payment Methods

Discount typeAmerican Family Encompass
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesAmerican Family Encompass
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Encompass
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Legal Defense Costs Coverage
yes--
New Car Replacement Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yes--
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Encompass
  • Both

Uber and Lyft driver insurance

  • American Family
  • Encompass
  • Both

Compare Insurance Products

ProductAmerican Family Encompass
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyes--
RV InsuranceRV Insuranceyesyes
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • American Family Reviews
  • Encompass Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.