Encompass

Encompass - Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify

Composite Score
63
What is this?
Encompass Ratings
BrandRatingsUser reviews
Insurify
3.3
11
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA+
FitchA+

Discounts

The largest discounts from Encompass are: Good Driver, Early Quote, Preferred payment

Carrier Discounts
Discount %
Discount Group
Discount TypeDiscount %
Good DriverVaries
Early QuoteVaries
Preferred paymentVaries
New CarVaries
Home OwnerVaries
Anti-lock BrakeVaries
Anti-Theft DeviceVaries
Defensive DriverVaries
Passive RestraintVaries
Good StudentVaries
Driving trainingVaries
Student Away at SchoolVaries
teenSMARTVaries
Good PayerVaries
Accident ForgivenessVaries

Payment methods

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    Automatic Online Payment
    Info
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    Mail Payment
    Info
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    Mobile App Payments
    Info
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    Online Payment
    Info

Features and Services

Roadside assistance and home inventory come as optional resources through the Encompass mobile app and online, respectively. Encompass policyholders can sign into their MyEncompass accounts to view policy information, pay premiums, sign up for an automated plan, access contact info, and more. Customers also qualify for a discount by making automatic auto policy bill payments through Encompass' Easy Pay plan.

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    24/7 service
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    Mobile app
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    Roadside assistance
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    Online account management

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

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    Roadside Assistance
    Info
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    Accident Forgiveness
    Info
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    New Car Replacement Coverage
    Info
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    Gap Insurance
    Info
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    Rental Reimbursement
    Info

Encompass Insurance by State

Encompass Insurance Products

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Home Insurance
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Car Insurance
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Umbrella Insurance
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Motorcycle Insurance
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RV Insurance
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Boat Insurance

FAQs - Encompass Car Insurance

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Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare Encompass to GEICO

Encompass vs GEICO

Company History

Encompass Insurance is one of the largest personal property and casualty insurance brands in the U.S., covering 39 states. 

The insurance company that would later become Encompass wrote its first policy in 1897. Now headquartered in Illinois, Encompass works with over 2,400 independent agents across the nation.

Encompass provides bundled, multi-product insurance policies (known as EncompassOne policies) for auto, home, and personal insurance, offered at Special, Deluxe, and Elite levels; homeowners insurance; auto insurance; personal umbrella insurance; motorcycle insurance; RV insurance; watercraft insurance; and identity theft protection. 

Encompass Insurance Company has an A+ rating from A.M. Best, an independent financial strength assessor. This signifies the company's "superior" ability to pay out claims.

Contact Information

Headquarters address: 2775 Sanders Rd Northbrook, IL 60062

Phone number: (800) 588-7400  

Website: www.encompassinsurance.com

Encompass 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

Encompass Car Insurance Information

Insurify Composite Score63
Number of discounts15
Number of reviews11
User Rating3.3
A.M. BestA+

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.