Encompass vs USAA 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
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Encompass VS USAA
63
96
What is this?
User Ratings
OptionsEncompass USAA
Rating/Reviews
11 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsEncompass USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsEncompass USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionEncompass USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionEncompass USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsEncompass USAA
A.M. BestA+A++
FitchA+AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityEncompass USAA
Austin$68$48
Chicago--$47
Philadelphia$156$31
Phoenix$92$39
Santa Monica--$50

For Single Drivers

CityEncompass USAA
Austin$75$61
Chicago--$69
Philadelphia$188$41
Phoenix$114$58
Santa Monica--$89

For Male Drivers

CityEncompass USAA
Austin$64$55
Chicago--$59
Philadelphia$167$38
Phoenix$98$52
Santa Monica--$82

For Female Drivers

CityEncompass USAA
Austin$80$54
Chicago--$57
Philadelphia$176$35
Phoenix$108$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityEncompass USAA
Austin$100$73
Chicago--$85
Philadelphia$218$45
Phoenix$218$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityEncompass USAA
Austin$66$51
Chicago--$52
Philadelphia$165$35
Phoenix$78$44
Santa Monica--$59

For Drivers Age Between 18-40

CityEncompass USAA
Austin$76$61
Chicago--$71
Philadelphia$183$42
Phoenix$115$59
Santa Monica--$95

For Drivers Age Between 40-65

CityEncompass USAA
Austin$66$44
Chicago--$43
Philadelphia$151$28
Phoenix$93$35
Santa Monica--$49

For Drivers Age of 65+

CityEncompass USAA
Austin$74$71
Chicago--$66
Philadelphia$208$46
Phoenix$92$57
Santa Monica--$48

For Drivers with Average Credit

CityEncompass USAA
Austin$87$59
Chicago--$68
Philadelphia$198$41
Phoenix$123$51
Santa Monica--$68

For Drivers with Fair Credit

CityEncompass USAA
Austin$87$57
Chicago--$55
Philadelphia$184$37
Phoenix$93$46
Santa Monica--$55

For Drivers with Good Credit

CityEncompass USAA
Austin$55$45
Chicago--$47
Philadelphia$149$32
Phoenix$96$38
Santa Monica--$55

For Drivers with Excellent Credit

CityEncompass USAA
Austin$58$57
Chicago--$62
Philadelphia$156$35
Phoenix$99$57
Santa Monica--$99

Quotes & Discounts

Discount typeEncompass USAA
Accident ForgivenessVariesVaries
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Defensive DriverVariesVaries
Driving trainingVariesVaries
Early QuoteVaries--
Good DriverVariesUp to 10%
Good PayerVaries--
Good StudentVariesVaries
Home OwnerVaries--
New CarVariesVaries
Passive RestraintVariesUp to 15%
Preferred paymentVaries--
Student Away at SchoolVariesUp to 20%
teenSMARTVariesVaries
Daytime Running Lights--Varies
Family--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
Multiple Vehicle--Up to 13%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeEncompass USAA
Automatic Online Payment
yesyes
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes

Features and Services

Features and ServicesEncompass USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesEncompass USAA
Accident Forgiveness
yesyes
Extended Coverage
--yes
Gap Insurance
yes--
New Car Replacement Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • Encompass
  • USAA
  • Both

Compare Insurance Products

ProductEncompass USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Encompass Reviews
  • USAA 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.