Encompass Car Insurance Review: Rates and Discounts in 2022


If you want to know how expensive Encompass car insurance rates are, Encompass Insurance reviews can help you get the information you need. You could potentially purchase coverage from this company for only $1,920 per year if you live in a state where Encompass Insurance is available. If you want to make sure that you know everything you can about a company before you buy car insurance, Encompass Insurance reviews are a great tool for the job.

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Written by
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Reviewed by
Farmers CSR for 4 Years
UPDATED: 2022-05-13T10:10:41.080Z
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
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What You Should Know

  • You can’t buy a policy from Encompass Insurance in all 50 states
  • Encompass offers a few extra coverage options
  • Drivers can shop online for cheap car insurance

Many drivers out on the road today want to know not only how to get cheap car insurance but how to find a company that can get them the coverage they need as well.

Luckily, with today’s technology, you can access free car insurance quotes and Encompass Insurance reviews, like this one, anytime from your smartphone or personal computer. With these tools at your fingertips, you can learn more about potential insurance options and make the best choice for your household.

If you want to learn how cheap Encompass car insurance rates are, Encompass Insurance reviews are the tool you need to discover if a policy from Encompass will work with your budget.

If you’re done with reading Encompass Insurance reviews, enter your ZIP code to start comparing free insurance quotes.

Is Encompass Insurance a highly rated insurance company? What coverages does Encompass Insurance offer? Does Encompass Insurance offer extra coverages? New Car Replacement Accident Forgiveness Loan/Lease Gap coverage Roadside assistance What discounts does Encompass Insurance offer? Where does Encompass Insurance do business? Is Encompass Insurance going out of business? Who owns Encompass Insurance? How much do Encompass Insurance policies cost? Encompass Insurance: What You Need to Know

Is Encompass Insurance a highly rated insurance company?

While Encompass Insurance is not Better Business Bureau (BBB) accredited and it’s in your best interest to read Encompass Insurance reviews, the BBB has given this company an A+ rating.

What coverages does Encompass offer?

If you were to purchase a full-coverage policy from Encompass, you can expect to receive standard coverages like:

  • Bodily Injury Liability
  • Property Damage Liability
  • Un/Underinsured Motorist
  • Collision Coverage
  • Comprehensive Coverage

If you ever need to use these coverages, you could file a claim by calling the Encompass Insurance phone number to get the claim process started.

When you begin your search to buy car insurance, Encompass Insurance reviews are great tools that can keep you up-to-date on everything that an insurance company has to offer — like additional coverage options.

Does Encompass Insurance offer extra coverages?

It is true that other companies may offer a smorgasbord of extra coverage options, but the additional coverages that Encompass Insurance does have are still quite helpful. If you would like to add a bit more protection to your policy you can purchase:

  • New car replacement
  • Accident forgiveness
  • Loan/lease gap coverage
  • Roadside assistance

Since these are not standard coverage options, let’s take a closer look at what each of these coverages can do for you.

New Car Replacement

Drivers with this coverage who have a car that is under four years old could get it replaced with a current model year car if theirs is declared a total loss.

Accident Forgiveness

Causing an accident tends to make your insurance rates rise. However, if you purchase this coverage from Encompass, you’ll be able to have your first accident forgiven and keep your rates from rising.

Loan/Lease Gap coverage

If you had just taken out a loan on a new car purchase and then got into an accident that totaled your car, you would still be responsible for paying back your loan. With this coverage, you would be able to access the funds you need to pay back everything you still owed on the car. Bear in mind, you will be required to purchase a full coverage policy in order to get this extra coverage.

Roadside assistance

You won’t ever have to worry about the unexpected hazards of the road again when you have 24/7 roadside assistance. This coverage comes in different packages and can get you the help you need if you’re stuck on the side of the road.

What discounts does Encompass Insurance offer?

Now, all these coverage options may have you thinking that a full-coverage policy from Encompass doesn’t translate into affordable car insurance but Encompass Insurance reviews refute that. Encompass Insurance discounts can lower the amount you’ll need to pay for your insurance so great coverage is more accessible than ever.

When you’re reviewing Encompass Insurance quotes online, be sure to check if you are eligible for discounts like these listed below:

  • Encompass Easy Pay
  • Good payer
  • Defensive driver
  • Future effective date
  • New car
  • Anti-lock brakes
  • Passive restraint system
  • Driving training

Properly utilizing discounts from Encompass can certainly make a policy from this company more affordable. However, you will first need to verify that you live in a state where Encompass Insurance does business.

Where does Encompass Insurance do business?

While Encompass Insurance may provide great coverage for every driver, it does not provide coverage in every state. If you reside in any of the states listed here, you will be unable to purchase a policy from this company:

  • Alaska
  • Florida
  • Hawaii
  • Massachusetts
  • Mississippi
  • Montana
  • North Dakota
  • South Dakota
  • Wyoming

Now, there’s no need to fret if you do not see your state listed here. Shopping online is a great way for you to find other excellent insurance companies that get you the coverage you need to protect your vehicle.

Is Encompass Insurance going out of business??

If you are interested in purchasing a policy with Encompass, you won’t have to worry about the fate of the company as Encompass has earned an A+ rating from AM Best which means that it is very strong financially.

Who owns Encompass Insurance?

Since 2011, Encompass Insurance has been a subsidiary of Allstate Corporation.

How much do Encompass Insurance policies cost?

You could potentially pay just $1,920 per year for a policy from Encompass.

It is important to understand that no two drivers will pay the same for the same insurance policy. This is because every insurance company sends applicants through an underwriting process. This process uses personal details like your age, address, credit score, driving history, and more to determine how much of a risk you pose to the company.

Once your risk level as an individual is determined, you are given a unique rate.

Encompass Insurance: What You Need to Know

When you need a new car insurance company, Encompass Insurance reviews can gain the information that you need to make the best insurance choice for you.

Encompass Insurance is a financially strong company that offers reasonable rates and a wide variety of discounts, but, unfortunately, you will not be able to purchase a policy from this company in all 50 states.

If you live in a state where Encompass Insurance doesn’t do business but would still like to purchase cheap insurance, you can always shop online to find a company that meets the criteria of your budget and coverage needs.

If, after reading Encompass Insurance reviews, you are ready to start shopping for insurance, enter your ZIP code to get free insurance quotes from companies near you.

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ZIP Code must be filled out!
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