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Encompass Car Insurance

Smart Score

79

Industry Average: 75

Smart Score

79
/100

Industry Average: 75

Customer Service

7
/10

Industry Average: 7.7

Claims Process

9.1
/10

Industry Average: 8

Value for Price

7.4
/10

Industry Average: 7

Encompass Overview

A subsidiary of the Allstate Corporation, Encompass Insurance is one of the largest personal property and casualty insurance brands sold exclusively through a growing network of more than 2,400 independent agents. The company allows you to tailor your policy, wherever you are in life, to fit your price and coverage needs. Whether you’re just starting out, building a family and career or enjoying retirement, you have an array of coverage options to choose from, plus a wide range of discounts, so your protection is customized to just the right level.

Lines of Business:

Encompass Ratings Breakdown

Smart Score

79

Encompass: 79
Industry Average: 75
Encompass: 79
Industry Average: 75

Why our Smart Score matters

Encompass’s Smart Score of 79 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Encompass’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 79, Encompass sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7

Encompass: 7
Industry Average: 7.7
Encompass: 7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Encompass’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Encompass’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Encompass’s service score of 7, they have a weak rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.1

Encompass: 9.1
Industry Average: 8
Encompass: 9.1
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Encompass. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Encompass handles it.


Encompass’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Encompass.


What does this mean for you?

Evident from a claims score of 9.1, Encompass has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7.4

Encompass: 7.4
Industry Average: 7
Encompass: 7.4
Industry Average: 7

Encompass’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Encompass comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Encompass’s value for price score of 7.4 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Encompass Auto Official Complaints

Official Complaints

Average

Tracks how many more or less official complaints Encompass has than average. With an index of 0.9 Encompass is about average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Encompass has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Encompass has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.9 Encompass falls in the middle of the pack.

Customer Reviews

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100%

of customers would reccomend this company to a friend

1 customer reviews

Max Pullen

Auto Customer

I switched from nationwide due to price increases, I used an insurance broker who told me the policy was as good as the one I had at nationwide and it was quite a bit cheaper. The broker said they've never had any complaints about Encompass. Since I've switched I haven't had any reason to complain.

Price Value: 3.5

Claim Satisfaction: n/a

Customer Service: 3

Recommend: yes

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Encompass Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Encompass

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

Accident Forgiveness

Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.

Encompass availability in these states

Encompass Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Encompass has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

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How does Encompass compare to other insurance companies? Click the following links below to compare Encompass to other top insurance companies.

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