Encompass
- Unlimited accident forgiveness available (through the Elite package).
- Subsidiary of Allstate, one of the four largest car insurance companies in the United States.
- Far more complaints to state regulators than expected for a company its size.
- No online quotes available.
- Not available in all states.
NerdWallet's take on Encompass auto insurance
Encompass earned 3.1 stars out of 5. The company’s financial strength somewhat offset lower customer review and digital experience scores.
Best for: Drivers who could take advantage of coverage packages from Encompass to get different types of coverage onto their home and auto policies.
Not ideal for: Drivers who won’t benefit from preset insurance bundles.
Where Encompass car insurance stands out
Available discounts. Encompass offers a wide variety of discounts, such as separate discounts for anti-lock brakes and passive restraints on your car. (Many insurers group them into a single “safety features” discount.)
Bundled benefits. Bundling your home and auto insurance with Encompass gets you access to valuable add-ons, such as umbrella coverage or identity fraud insurance.
Where Encompass car insurance falls short
Unclear coverage offerings. Most insurers share a list of optional coverages you can add to your policy, while Encompass offers three different packages for drivers to choose from. This might seem like a benefit, but it can actually make it harder to adjust your policy to meet your insurance needs.
Customer reviews. Encompass scores below other insurance companies with its customer complaint scores and mobile app reviews. This can be an indicator that an insurer might not meet your needs, even if it offers you an affordable rate or a lot of discounts.
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How much does Encompass car insurance cost?
Encompass car insurance costs an average of $314 per month or $3,771 per year for a full coverage policy, our November 2025 analysis found. Compare that to the national average of $2,300 per year.
For minimum coverage, Encompass car insurance costs an average of $94 per month or $1,127 per year, according to our November 2025 analysis. By comparison, the national average is $52 per month, or $627 per year.
» MORE: Compare car insurance rates
Encompass auto insurance rates by age
Insurers associate your age with your level of driving experience, and therefore how likely you are to take risks on the road. Young drivers are usually the most expensive group to insure — even more than drivers with recent accidents — while drivers in their 50s and 60s are often the cheapest.
As an example, here are Encompass's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Encompass car insurance for 20-year-old drivers is $8,041 per year, or $670 per month. The national average for this age group is $4,684 per year, or $390 per month.
Adult drivers. The average cost of Encompass car insurance for 40-year-old drivers is $3,771 per year, or $314 per month. Thhe national average for this age group is $2,232 per year, or $186 per month.
Senior drivers. The average cost of Encompass car insurance for 60-year-old drivers is $3,337 per year, or $278 per month. The national average for this age group is $1,988 per year, or $166 per month.
- More Encompass auto rates by age
Age Company median rate National median rate 20 $8,041 $4,684 30 $3,771 $2,375 35 $3,771 $2,300 40 $3,771 $2,232 50 $3,423 $2,074 60 $3,337 $1,988 70 $3,332 $2,125
Encompass auto insurance rates by driver profile
Insurers look at a variety of factors — including personal information — when pricing your insurance rates. They use your driving record and even your credit history to predict how likely you are to file an insurance claim. That’s why drivers with a recent DUI or accident will pay more than drivers with a clean record.
Below are Encompass's average full coverage rates for 35-year-old drivers in several different categories:
Poor credit. Drivers with poor credit could pay an average of $6,541 per year, or $545 per month, for Encompass car insurance. The national average for this group of drivers is $3,850 per year, or $321 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Encompass car insurance for drivers with a speeding ticket is $4,708 per year, or $392 per month. The national average for this group of drivers is $2,931 per year, or $244 per month.
At-fault crash. For drivers who recently caused an accident, the average cost of Encompass car insurance is $5,386 per year, or $449 per month. The national average for this group of drivers is $3,405 per year, or $284 per month.
DUI. The average cost of Encompass car insurance for drivers with a DUI is $18,070 per year, or $1,506 per month. The national average for this group of drivers is $4,265 per year, or $355 per month.
Encompass auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Meeting the company's standards for being a safe driver, an optional discount that’s automatically included in the EncompassOne Elite package.
Being a student with a grade-point average of 3.0 or better, or having one on your policy.
Owning a car with anti-lock brakes.
Owning a car with a passive restraint system. (This applies specifically to Medical Payments coverage or Personal Injury Protection.)
Owning a car with an anti-theft device.
Buying a policy at least seven days before you need it to take effect.
Owning a new vehicle.
Owning a home, condo, townhouse or mobile home.
Successfully completing an approved defensive driving class. (Only some drivers may be eligible.)
Passing a driver training course and having several hours of driving experience (if you’re under 21 years old).
Having a student on your policy who keeps their car at home while at school at least 100 miles away.
Not receiving a cancellation notice for nonpayment in the past year.
Signing up for automatic payments.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. However, it’s important to note that only carrying minimum coverage may not be enough to cover the costs of an accident, forcing you to pay the rest out of pocket. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Encompass car insurance coverage
Full coverage car insurance from Encompass includes the standard types of coverage offered by most insurers. So whether you get a stand-alone policy or choose to bundle your home and auto policies, your car insurance will include:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
If you are only interested in car insurance, Encompass also offers some types of optional coverage, such as:
Accident forgiveness, which will keep your policy cost from going up after an at-fault accident.
Gap coverage, which pays the difference between your vehicle’s current value and what you still owe on it.
New car replacement, which will replace your vehicle with the same make and model but the newest year (if possible).
Roadside assistance, which provides towing and other support services.
EncompassOne bundles
Encompass offers combined insurance policies that include coverage for your car, home and possessions. These “EncompassOne” policies come in three different coverage levels, and the available coverage options may vary by state.
If you get an EncompassOne Special policy, you can choose to add the following types of coverage:
Auto trip interruption, which covers certain expenses if your car is damaged when you are traveling at least 100 miles from home.
Electronic equipment repairs, which replaces media players and other equipment installed in your car.
Gap coverage.
New car replacement.
Roadside assistance.
If you get an Encompass Deluxe policy, your insurance will automatically include:
Electronic equipment repairs.
First-time accident forgiveness, which will keep your policy cost from going up after your first at-fault accident.
Windshield coverage, which will replace your windshield without requiring an insurance deductible.
You can then choose to include trip interruption, gap coverage, new car replacement, rental car reimbursement and roadside assistance as optional coverages. These coverages are also available as options at the Special tier.
If you get the highest tier, the EncompassOne Elite policy, your insurance will include:
Auto trip interruption.
Company car coverage, which applies your personal policy to a work vehicle.
Electronic equipment repairs.
Rental reimbursement, which will pay for your rental vehicle while your own car is in the shop after a covered claim. (This is optional coverage for EncompassOne Deluxe drivers.)
Roadside assistance.
Safe driving bonus, which can apply a discount of up to 5% on your next premium if every driver on your policy stays accident-free for 12 months.
Unlimited accident forgiveness, which prevents surcharges on your insurance rates even if you’re involved in multiple at-fault accidents.
Windshield coverage.
If you get the EncompassOne Elite package, you can also choose to add new car replacement and gap coverage at this level.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
Is Encompass a good insurance company?
State regulators received far more than the expected number of complaints about Encompass auto insurance compared to similar-sized companies. Our analysis is based on three years’ worth of data from the National Association of Insurance Commissioners, and it can be a good indicator of how customers feel about the service they receive from an insurance company.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about Encompass car insurance
Customer service: Call 833-415-9958 to get account help, or call 800-262-9262 to get an insurance quote.
Website: You can view your policy, see your agent’s information, pay your bills and set up automatic monthly payments through your MyEncompass account. You can also make payments without logging in.
Mobile app: Encompass’ mobile app lets you view your insurance card, pay a bill, file a claim or request roadside assistance. The Encompass Insurance app is on iOS and Android devices, but may not be available in all states.
The company also offers a standalone Encompass Roadside Assistance app, which you can use to ask for help, share your location and receive notifications when help is on the way.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I file a claim with Encompass?
How do I file a claim with Encompass?
You can file a home or auto claim with Encompass by calling 800-588-7400.
How do I get a quote from Encompass?
How do I get a quote from Encompass?
Encompass doesn’t offer online quotes, so you’ll need to contact a local agent or call Encompass at 800-262-9262 for assistance.
Does Encompass insurance cover rental cars?
Does Encompass insurance cover rental cars?
Encompass offers rental reimbursement if you choose to get its auto and home insurance bundle.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
