Encompass vs Mercury 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

Encompass
63
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

Encompass VS Mercury
63
81
What is this?
User Ratings
OptionsEncompass Mercury
Rating/Reviews
11 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsEncompass Mercury
Local Agent--The rest
Overall Satisfaction--The rest
Policy Offerings--The rest
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsEncompass Mercury
Claim Servicing--The rest
Estimation Process--About average
First Notice of Loss (FNOL)--The rest
Overall Satisfaction--The rest
Rental Experience--The rest
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionEncompass Mercury
California--795 pt
The rest
Florida--808 pt
The rest
Mobile App Ratings
RegionEncompass Mercury
Android--
161 Reviews
Financial Ratings
OptionsEncompass Mercury
A.M. BestA+A
FitchA+A
Moody's--A2

Auto Insurance Quotes

For Married Drivers

CityEncompass Mercury
Austin$68$74
Chicago--$106
Philadelphia$156--
Phoenix$92$96
Santa Monica--$67

For Single Drivers

CityEncompass Mercury
Austin$75$81
Chicago--$152
Philadelphia$188--
Phoenix$114$93
Santa Monica--$122

For Male Drivers

CityEncompass Mercury
Austin$64$77
Chicago--$146
Philadelphia$167--
Phoenix$98$94
Santa Monica--$116

For Female Drivers

CityEncompass Mercury
Austin$80$78
Chicago--$113
Philadelphia$176--
Phoenix$108$95
Santa Monica--$72

For Drivers with Speeding Ticket

CityEncompass Mercury
Austin$100$102
Chicago--$174
Philadelphia$218--
Phoenix$218$114
Santa Monica--$134

For Drivers with No Speeding Ticket

CityEncompass Mercury
Austin$66$72
Chicago--$119
Philadelphia$165--
Phoenix$78$91
Santa Monica--$86

For Drivers Age Between 18-40

CityEncompass Mercury
Austin$76$81
Chicago--$150
Philadelphia$183--
Phoenix$115$92
Santa Monica--$136

For Drivers Age Between 40-65

CityEncompass Mercury
Austin$66$70
Chicago--$103
Philadelphia$151--
Phoenix$93$90
Santa Monica--$60

For Drivers Age of 65+

CityEncompass Mercury
Austin$74$93
Chicago--$147
Philadelphia$208--
Phoenix$92$123
Santa Monica--$67

For Drivers with Average Credit

CityEncompass Mercury
Austin$87$86
Chicago--$134
Philadelphia$198--
Phoenix$123$103
Santa Monica--$83

For Drivers with Fair Credit

CityEncompass Mercury
Austin$87$84
Chicago--$111
Philadelphia$184--
Phoenix$93$102
Santa Monica--$79

For Drivers with Good Credit

CityEncompass Mercury
Austin$55$74
Chicago--$123
Philadelphia$149--
Phoenix$96$99
Santa Monica--$67

For Drivers with Excellent Credit

CityEncompass Mercury
Austin$58$67
Chicago--$149
Philadelphia$156--
Phoenix$99$75
Santa Monica--$147

Quotes & Discounts

Discount typeEncompass Mercury
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 5%
Anti-lock BrakeVaries--
Defensive DriverVaries--
Driving trainingVaries--
Early QuoteVaries--
Good DriverVariesUp to 18%
Good PayerVaries--
Good StudentVariesUp to 10%
Home OwnerVaries--
New CarVaries--
Passive RestraintVariesUp to 5%
Preferred paymentVaries--
Student Away at SchoolVariesUp to 10%
teenSMARTVaries--
Federal Employee--Varies
Good Credit--Up to 73%
Low Mileage--Varies
Multiple Policy--Up to 10%
Multiple Vehicle--Up to 26%
Occasional driver--Varies
Organization--Varies
Paid in full--Varies
Professional organization--Varies
Public Safety Professional--Varies
Senior Adult--Varies
VIN Etching--Varies

Payment Methods

Discount typeEncompass Mercury
Automatic Online Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yes--
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesEncompass Mercury
24/7 serviceyesyes
Mobile appyes--
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesEncompass Mercury
Accident Forgiveness
yes--
Comprehensive Claim Forgiveness
--yes
Gap Insurance
yes--
New Car Replacement Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Insurance by State

Uber and Lyft driver insurance

  • Encompass
  • Mercury
  • Both

SR‌-22 Insurance by State

  • Encompass
  • Mercury
  • Both

Compare Insurance Products

ProductEncompass Mercury
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insurance--yes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insurance--yes
Home InsuranceHome Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Encompass Reviews
  • Mercury Reviews
3.3
5 Stars
45 %
4 Stars
9 %
3 Stars
9 %
1 Star
36 %

Most Helpful Review

By
Just wish they were lower in price. I don't understand why they raise their rates so much annually, especially if you don't make a claim.

Latest Review

By Haley H.
Worst car insurance that I have ever had!!! Will not ever recommend them to anyone. Damage Adjuster did not know what the heck he was doing and everyone else is horrible.

All Reviews

Showing 1 - 10 out of 11 Reviews
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Read reviews that mention

Haley H.
Worst car insurance that I have ever had!!! Will not ever recommend them to anyone. Damage Adjuster did not know what the heck he was doing and everyone else is horrible.
Lisa
Spoke with claims rep Steven Yi, the man was rude and extremely disrespectful during the intake of my claims conversation. I kept thinking to myself are these calls being recorded? He raised his voice several times during the conversation during the claim intake and kept looking for ways to deny my claim. He was the absolute worst claims rep and I would stay clear of this company. When we pay the insurance is premium for coverage is a piece of mind knowing you have coverage in place in the event of a covered loss. Now when there is a claim how the company responds. is extremely important! Being nasty on the phone to customers will result in polices being cancelled and negative online reviews. Stay clear of this company this is how they handled auto insurance claims.
Katrina M
At the end of September, my vehicle was rear-ended by an Encompass-insured driver, who in the process of hitting me, pushed my vehicle into the car in front of me. It’s February, and I am still fighting with Encompass just to get to to cover the full vehicle damage from the wreck, and they have not once offered to refund me the $2k I have been forced to spend on a rental car while dealing with them. I was told point-blank the other day that they will not send someone out to re-evaluate the damage. I was told by my insurance company that Encompass would have to be the one to declare a vehicle total. Their refusal to do so is costing me money every single day, and what should have been originally been a matter or a week or two, has turned into a 5 month long nightmare, that still shows no sign of ending. Additionally, it has been nearly impossible to get in touch with the claims agent who is assigned to my claim, and this agent got upset with me when I requested an adjuster be sent out at a time that I could be there. She raised her voice and informed me that essentially, it doesn’t matter if I am frustrated with them, as I don’t have my insurance through Encompass. Ironically, my insurance company? Is Allstate. Guess who is somewhat related to Allstate? Encompass.
Kraig
Love the service and not changing my insurance was checking on rideshare coverage
Philip V.
We purchased a town home 10 years ago and Encompass was the insurance carrier. We had no claims on the property. 2016 we purchased another home and Encompass was the insurance carrier. 10 months into the purchase of our new home, an letter can from Encompass stating the company was dropping coverage on both home, as of February 2 2017, because the new home had shingles missing and needed maintenance. An inspection report was done prior to purchasing the new home in winter 2016, nothing was noted at that time that the roof was in need of repair or was an issue. Encompass then stated we need an estimate for roof replacement and or repairs to the roof. It is in the middle of winter with snow on the roof and hard to get a roofing company to come out and get an estimate at that time. Tried to file claim for damaged shingles due to wind and severe weather, Company said we could not file a claim. Our agent tried several times to explain the situation to only be dropped anyway. Poor customer service. Then Encompass debts our account for car insurance for months after insurance has been dropped. Still haven't received the money back for what was debited. Would not recommend this company to anyone right now...
Insurify User
I've been a client of Encompass for approximately 17+ years and they have not failed me yet.
Insurify User
Just wish they were lower in price. I don't understand why they raise their rates so much annually, especially if you don't make a claim.
Insurify User
SO EASY TO WORK WITH!
Insurify User
I deal with the broker, Weaver Bros. of Bethesda, who are excellent and very helpful. I don't know yet how much the insurer will raise the premium following a recent claim.
Insurify User
Superior customer service.
Showing 1 - 10 out of 11 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.