Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 14, 2022

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Just the Basics

  • Encompass offers three levels of coverage, with optional add-ons such as GAP coverage and new car replacement
  • It has excellent ratings regarding rates and customer service, with A.M. Best giving Encompass Insurance an A+ rating
  • Encompass Insurance coverage is available in 38 states and Washington, D.C., with safe driver, defensive driver, and good student discounts, among others

When you are shopping for car insurance, you want the best coverage at affordable rates. Encompass car insurance is a great option if you prefer to file claims with a real person who can discuss your needs and answer your questions instead of relying solely on digital means.

Along with information on average policy rates and included coverage, there are other factors to consider when selecting the best auto insurance company. Is this auto insurance company legitimate? Who is the owner of the company? What types of coverage are available? These are all important questions to ask, and we cover the answers in this detailed Encompass Insurance review.

What is Encompass car insurance coverage?

Encompass Insurance was originally founded in 1897. It was later purchased and renamed by Allstate in 1999 and developed into the insurance company it is today. Encompass is based in Northbrook, Illinois.

The level of auto insurance coverage you choose depends upon your state’s requirement and your individual preferences and financial situation. You can choose from three levels of insurance coverage with Encompass:

  • Special: offers basic coverage with the option to add on new car replacement, GAP coverage, or coverage on electronic equipment
  • Deluxe: a mid-level policy that includes electronic equipment coverage. You can opt to add GAP coverage, new car replacement, or auto trip interruption
  • Elite: includes the most comprehensive coverage. You get unlimited accident forgiveness along with all the benefits included in the other policies. GAP coverage and new car replacement are still considered add-ons and cost extra

Liability coverage is the minimum required in most states and covers injuries and damages sustained to another party’s vehicle when you are at fault. Collision insurance covers the cost of repairs to your vehicle. Comprehensive insurance covers damages that occur due to an act of nature, such as a fallen tree branch, animal damage, or theft.

Liability may not offer enough coverage to protect you financially. You can discuss the amount of accident coverage and other services that you need with an agent to find the best policy for you.

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What auto insurance discounts are available?

Opportunities to save money on car insurance rates are important to customers. Encompass Insurance company stands out by offering quite a few discounts. Here is a list of what you may be able to qualify for:

  • Safe driver. Applied for having no accident claims in the past 12 months
  • Encompass easy pay. Applied for using the auto-pay feature
  • New car. Applied for purchasing a brand new car with no previous owners
  • Defensive driver. Applied for completing an approved defensive driving class successfully
  • Homeowner. Applied for owning a home, even if you only carry an auto insurance policy
  • Anti-theft. Applied for having approved theft prevention devices on your car
  • Good student. Applied for maintaining a B average or 3.0 GPA
  • Future effective date. Applied for purchasing a policy that goes into effect seven or more days from the issue date
  • Pay in full. Applied for paying your total policy premium in one payment

With an extensive range of available discounts, you have a good chance of qualifying for one or more and saving money on your rates.

What are the ratings for Encompass Insurance?

Determining your auto insurance company’s reputation and financial stability is important before you purchase a policy. Reading what current and previous customers have to say can give you a good indication of how your experience with the company will be. Encompass Insurance reviews left by customers generally report that rates are affordable and the customer service is excellent.

The Better Business Bureau gave Encompass an A+ rating, although several customer reviews gave a poorer score, citing issues with payments and service.

A.M. Best also rated Encompass Insurance as A+. This is a superior rating for financial stability and excellent customer service.

The NAIC data shows that Encompass received a higher number of complaints than other similar companies. It was given a 0.42 rating, which is below average. Ratings are based upon several factors, including pricing, service, and coverage.

Finally, J.D. Power currently has no data specifically about Encompass, but it does score its parent company. Allstate scored an 803, just shy of making the top 10 list of companies.

What states does Encompass offer coverage in?

Encompass car insurance provides policies to customers in 38 states and Washington, D.C. States where auto policies are not currently offered are:

  • Alaska
  • Florida
  • Hawaii
  • Idaho
  • Massachusetts
  • Mississippi
  • Montana
  • Nebraska
  • North Caroline
  • North Dakota
  • South Dakota
  • Wyoming

If Encompass Insurance is not offered in your state at this time, you might want to check back at a later date to see if coverage has expanded to include more areas.

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How do you file a car insurance claim with Encompass?

If you need to file a claim on your auto insurance policy, you only have one option. All claims must be reported by calling the Encompass claims phone number and speaking with an agent.

This human touch can be either positive or negative, depending upon your preferences. Some may find the connection with a real person easier to ensure that all details are covered and concerns addressed. However, the lack of flexibility in contact options could be a problem for those who prefer a digital approach.

When you call to report a claim, have the following information available:

  • Personal details
  • Your auto policy number
  • Contact information for yourself and any other parties involved in the incident
  • The location and time of the incident, as well as information about how it occurred
  • Details about any injuries and medical documentation
  • Pictures for proof of the damage and determining responsibility
  • Policy report if available

Keeping this information nearby and ready to submit helps speed along your insurance claim. Once you have reported the claim, a claims specialist follows up with you. An agent is assigned to evaluate the damage and prepare an estimate on the cost of repairs. After this information and documentation have been given to you, you can review the details and complete the claim to receive payment.

Does Encompass offer any other types of insurance?

Encompass offers more than just auto insurance. You can also purchase coverage for the following:

  • Boat insurance
  • Watercraft insurance
  • Motorcycle insurance
  • RV insurance
  • Condo insurance
  • Renters insurance
  • Earthquake insurance
  • Umbrella insurance
  • Identify theft insurance

Ask about options to bundle more than one type of insurance together.

Final Thoughts About Encompass Insurance

Encompass Insurance is available in 38 states and Washington, D.C. You have the option to select anything from a basic policy to full collision and comprehensive coverage. A variety of add-ons offer additional coverage for a fee.

With Encompass, you can potentially qualify for several discounts to reduce your rate. Claims reporting and customer service are conducted via phone call, although Encompass also has an app for convenient roadside assistance. This company has affordable rates and varied covered options, and receives generally good customer ratings for service and efficient claims processing.