Which insurance carrier is right for you? Compare premiums, coverage and quotes from Allstate and Encompass.
Founded in 1931, Allstate is the nation’s largest publicly held personal lines insurer. It was founded by former Sears, Roebuck & Co President and Board Chairman, General Robert E. Wood, who initially sold policies through the mail, an innovative business move. The name Allstate was taken from a tire sold in the Sears catalog and the first sales location was in a Chicago Sears store. The first claim paid was to a man who showed up at the office holding a car door handle in his hand after an attempted car theft.
In 1897, the company that would eventually be called Encompass almost a century later began selling personal insurance with the promise of “protection and security.” Even though the company began using the name Encompass in the 1990s, the EncompassOne® Package Policy traces back to the very start in 1897. Today, there are more than 2,400 Encompass independent agents in 39 states. Encompass Insurance is a subsidiary of Allstate Corporation and is one of the largest personal property and casualty insurance brands.
Below is a list of the average rates that drivers typically pay with Allstate and Encompass. On average, Allstate charges approximately $223.60 per month while Encompass comes in at around $343.15 per month. For Allstate, the cheapest state average is North Carolina at $109.18 per month and the most expensive is Michigan at $691.78 per month. For Encompass, the cheapest state average is New Hampshire at $107.61 per month and the most expensive is Michigan at $881.23 per month.
|District of Columbia||$262.80||-|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Allstate and Encompass typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Allstate||Encompass|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Allstate charges $225.48 per month and Encompass charges $324.84 per month for customers who own their home.
Which car insurance company is the best? Compare ratings for Allstate and Encompass. Both companies have excellent financial strength. Allstate has received an A- from the Better Business Bureau but has a slightly higher complaint ratio according to the NAIC Complaint Index at 1.03. Encompass on the other hand is rated as A+ from the BBB and a lower complaint ratio of 0.42.
|JD Power Ranking||About Average|
|NAIC Complaint Index||1.03||0.42|
What coverage is available through Allstate and Encompass? Both insurance carriers offer auto and home coverage to theirpolicy holders. Allstate also offers Business, Landlord, Motorcycle insurance and more. Encompass also offers a suite of products that Allstate does, not such as Commericial Excess Liability, Farm, and Liquor Liability insurance. A full list of coverage is listed below.
|Business Owners Policy Insurance||✔|
|Commercial Auto Insurance||✔|
|Commercial Excess Liability||✔|
|Contractor’s Errors & Omissions||✔|
|Dwelling Fire Insurance||✔||✔|
|Roadside Assistance Coverage||✔||✔|
|Workers’ Compensation Insurance||✔|
Who doesn't like saving money on their car insurance? With Allstate and Emcompass there are numerous opportunities to save. Below is a list of auto insurance discounts that the two companies offer. See if you qualify.
|Allstate eSmart Discount||Anti-lock Brake Discount|
|Anti-lock Brake Discount||Anti-theft Device Discount|
|Anti-Theft Device Discount||Defensive Driver Discount|
|Deductible Rewards||Driver Training Credit|
|Early Signing Discount||Driver Training Discount|
|EZ Pay Plan Discount||Encompass Easy Pay|
|FullPay Discount||Future Effective Date|
|Multiple Policy Discount||Good Payer Discount|
|New Car Discount||Good Student Discount|
|Responsible Payer Discount||Homeowners Discount|
|Safe Driving Bonus||New Car Discount|
|Smart Student Discount||Passive Restraint System Discount|
|Resident Student Discount|
|Safe Driving Bonus|
The Allstate Mobile app is available for iOS and android. It offers instant agent access, digital ID cards, the ability to see policy documents, choose modes of communication and manage claims with the option of uploading photos of damage after an accident. Drivewise measures safe driving behavior and can earn customers discounts. The app also features an Escape Route that creates a safe path to exit a fire.
|Allstate Mobile App|
|iOS||4.8||238K user reviews|
|Android||4.4||28K user reviews|
|Encompass Mobile App|
Encompass only offers a Roadside Assistance app for iOS and Android. It has not been rated.
|Allstate Contact Info|
|Address||P.O. Box 660598, Dallas, TX 75266-0598|
|Encompass Contact Info|
|Address||2775 Sanders Road, Northbrook, IL 60062|
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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