Encompass Auto Insurance Review: Quotes and Service (2022)

With a MoneyGeek score of 63 out of 100, Encompass is a below-average car insurance company. While it performs well on complaints and stability, it has unimpressive scores for satisfaction, affordability and discounts. Its policies are neither cheap nor expensive for most drivers. Nonetheless, Encompass offers a good payer discount, which is not usually found in auto insurers.

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Last Updated: 3/2/2022
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1/5

discounts

4.5/5

complaints

3/5

satisfaction

4.5/5

stability

2.7/5

affordability


pros

This is an iconOffers coverages for new car replacement, accident forgiveness, roadside assistance and gap insurance
This is an iconOffers most of the common discounts: bundling, good student, safe driving, defensive driving, airbag and anti-theft
This is an iconHas an above average reputation for handling customer complaints

cons

This is an iconDoes not offer coverages for rental cars and better car replacement
This is an iconDoes not offer multiple car, pay-in-full and paperless discounts

Verdict

Encompass performs satisfactorily in customer service, scoring above average on customer complaints and average on customer satisfaction. Car insurance from Encompass is moderately priced, and most drivers will find it neither cheap nor expensive.

To help you learn more about Encompass and other insurance companies in the market, MoneyGeek analyzed the cheapest car insurance companies and the best car insurance providers. We also have a tool that can compare Encompass against other auto insurers.

How Does Encompass Rank for Customer Service?

Encompass is a subsidiary of Allstate, which is one of the largest national insurance companies. When reviewing Encompass’ customer satisfaction by Allstate’s ratings, Encompass sits in the middle, according to J.D. Power and Consumer Reports. If evaluating Encompass independently, other ratings by AM Best, NAIC and the Better Business Bureau give the insurer’s auto division favorable rankings overall.

Customer Satisfaction Rating

First Notice of Loss:
3/5
Estimation of Process:
3/5
Repair Process:
3/5
Claims Servicing:
3/5
Rental Experience:
3/5
Settlement:
3/5

Because Encompass is a subsidiary of Allstate, it’s smaller and not rated as frequently as other larger insurers are. Allstate is graded in J.D. Power’s 2019 U.S. Auto Claims Satisfaction Survey. Compared to other insurance companies, Allstate achieves slightly above average scores, according to J.D. Power’s metrics.

Customer Complaint Ratio

Encompass

A lesser-known organization that measures customer service standards is The National Association of Insurance Commissioners (NAIC). It’s a national regulatory body with a joint purpose of establishing best-practice insurance standards.

It issues the Customer Complaint Ratio, which tracks the number of public complaints against insurance companies. Encompass’ ratio is calculated by dividing each insurer’s complaint index by the national median average. The default national median is one. It’s based on complaint indices from all regulated insurance companies by the type of policy. It’s ideal for companies to fall below this number. Encompass was scored 0.82.

Is Encompass Car Insurance Expensive or Cheap? Why?

Most drivers will find Encompass neither cheap nor expensive. Based on MoneyGeek’s assessment, the company’s car insurance premiums are moderately priced.

Insurers don’t disclose how they come up with the rates of their car insurance policies. However, Encompass and other insurance companies charge more for additional coverage and riskier drivers. Factors such as your driving history, location and age can cause insurance premiums to go up.

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Discounts Offered by Encompass That Can Help You Save

Discounts can help make your Encompass policy more affordable, so finding out if you qualify for any makes sense.

This provider offers bundling, good student, safe driving, defensive driving, air bag and anti-theft discounts, which are common among insurance companies. Unlike most insurers, however, Encompass does not offer multiple car, pay-in-full or paperless discounts.

On the other hand, Encompass does have a good payer discount, which is not typically offered by other car insurance companies.

Compare Encompass Directly With Other Car Insurance Companies

You can use MoneyGeek’s resources to compare Encompass against your state’s other major insurance providers. We created a tool that shows how Encompass delivers on customer service, cost and standout coverages. The tool will also direct you to materials that can help you choose which insurance provider is the best fit for your needs.

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Does Encompass Offer Broad or Unique Coverage?

Like other auto insurers, Encompass offers standard coverages such as liability, comprehensive and collision insurance.

The company also offers common add-on coverages, including new car replacement, accident forgiveness, gap insurance and roadside assistance. However, this provider doesn’t offer coverage for rental cars or better car replacement, and it also doesn’t have any unique add-on coverages.

What Online Auto Insurance Tools Does Encompass Offer?

Encompass offers basic coverage with extensive customizable upgrades and a long-list of discounts. Encompass also has helpful and convenient accident-awareness and financial-planning resources.

  • Type of Feature
    Description
  • Calculators
    The calculators can assist in estimating monthly payments.
  • Online Claims
    The National Catastrophe team is trained to help you manage the claims process.
  • Mobile App
    You can view your account details, including card ID, and pay your premium through the app. You can also access roadside assistance using the in-app tools.

Other Encompass Insurance Products

Encompass also has individual homeowners and specialty coverage products. Although these can be purchased separately, you have the option of bundling multiple segments into one policy, The EncompassOne Policy. Paying a single monthly premium could save you money depending on where you live. Some of the specialty products described below are offered as optional add-ons to the bundled policy. The EncompassOne Policy isn’t available in Florida, Massachusetts, North Carolina or Texas. If you are looking for policies that specifically bundle home and auto in one of these states, check out our list of the best home and auto bundles by state.

  • Type of Product
    Description
  • Homeowners Insurance
    Encompass homeowners insurance include a common set of coverage features found in most HO-3 policies. A basic Encompass homeowners policy covers personal liability, dwelling coverage, medical expenses, additional living expenses and personal belongings.
  • Umbrella Insurance
    This coverage is designed to protect you and your family against lawsuits and major claims if you’ve exceeded your auto or homeowners liability policy.
  • Business Insurance
    Most homeowners policies limit coverage of business property. This policy covers lost data or critical hardware.
  • Identity Theft Insurance
    Encompass covers damages and fees up to $20,000.
  • Other
    Property location limit: Encompass’ property location limit feature offers you the option to pool all of your on-premise coverage into one limit based on your home’s value, up to 200% of it with Deluxe and Elite packages. Encompass lifestyle endorsement: If you need additional personal liability or property coverage to support your lifestyle. For instance, if you have a family, travel frequently or own high-valued assets.

Financial Strength

AM Best, the world’s largest credit agency specializing in insurance, appraises insurers’ financials to certify that they have enough capital to remain in business. The appraisal score is known as the AM Best Financial Strength Rating.

The rating isn’t intended as a warranty for policyholders. The rating is meant to signify fiduciary strength. Backed by Allstate, a major insurer, Encompass has an A+ rating.

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How to Make a Car Insurance Claim With Encompass

Filing a claim with Encompass is straightforward. Follow these steps to speak with a claims representative:

Contact Encompass Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Eric is a senior writer and content strategist who writes about personal finance, insurance, real estate, investing and more. His lived experience informs his expertise on these topics: Eric served as a Licensed Real Estate Salesperson for Century 21 Metropolitan in New York City and sold commercial, residential and rental real estate. He also holds an Investment Foundations certification issued by the CFA Institute. Eric earned his Master of Science in Interactive Media from DePaul University.


sources