Allstate vs. Encompass Insurance

Which insurance carrier is right for you? Compare premiums, coverage and quotes from Allstate and Encompass.

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Allstate vs. Encompass: What You Need to Know

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 average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Allstate Overview and Encompass Overview.

Allstate vs. Encompass: How much are the Average Rates?

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.

Allstate

Average Rate

$223.60
Encompass

Average Rate

$343.15
National

Average Rate

$117.77
State Allstate Encompass
Alabama $143.38 -
Alaska $165.94 -
Arizona $245.38 $192.53
Arkansas $196.71 -
California $175.43 -
Colorado $158.62 $392.61
Connecticut $266.31 $425.40
Delaware $231.67 $286.17
District of Columbia $262.80 -
Florida $226.61 -
Georgia $194.64 $230.02
Hawaii $120.68 -
Idaho $140.43 -
Illinois $213.76 $138.73
Indiana $147.66 -
Iowa $140.42 -
Kansas $185.44 $440.96
Kentucky $222.23 $752.33
Louisiana $292.32 $397.81
Maine $121.47 -
Maryland $215.25 $334.63
Massachusetts $186.50 $227.16
Michigan $691.78 $881.23
Minnesota $184.19 $609.70
Mississippi $306.70 -
Missouri $139.54 $189.60
Montana $194.48 -
Nebraska $156.28 -
Nevada $287.75 $458.63
New Hampshire $169.52 $107.61
New Jersey $224.94 $308.82
New Mexico $189.29 $368.91
New York $267.14 $476.98
North Carolina $109.18 $137.28
North Dakota $167.99 -
Ohio $140.22 $125.15
Oklahoma $170.17 -
Oregon $177.35 $179.72
Pennsylvania $192.51 $265.40
Rhode Island $255.49 $389.21
South Carolina $142.38 $233.71
South Dakota $179.47 -
Tennessee $166.56 $179.24
Texas $257.11 $205.48
Utah $175.99 $532.08
Vermont $143.92 -
Virginia $187.45 $203.39
Washington $156.92 $234.81
West Virginia $198.17 $222.28
Wisconsin $151.63 $154.38
Wyoming $217.42 -

Allstate vs. Encompass: Rates by Number of Vehicle

Home

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
1 Vehicle $206.82 $323.34
2 Vehicles $285.05 $416.37
4 Vehicles $316.32 $727.80
3 Vehicles $424.01 $597.81

Allstate vs. Encompass: Rates by Homeownership

Home

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.

Own/Rent Allstate Encompass
Own $225.48 $324.84
Rent $222.53 $353.54

What Are Allstate and Encompass Insurance's Ratings?

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.

Comparison Allstate Encompass
Year Founded 1931 1897
Market Share 4.9%
A.M. Best A+
BBB Rating A- A+
Financial Strength Excellent Excellent
JD Power Ranking About Average
Moody’s Rating Aa3
NAIC Complaint Index 1.03 0.42
S&P Rating AA-

Allstate or Encompass: Insurance Products Offered

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.

Insurance Allstate Encompass
Automobile Insurance
Boatowners Insurance
Business Insurance
Business Owners Policy Insurance
Commercial Auto Insurance
Commercial Excess Liability
Commercial Insurance
Condo Insurance
Contractor’s Errors & Omissions
Dwelling Fire Insurance
Homeowners Insurance
Landlord Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
Roadside Assistance Coverage
RV Insurance
Umbrella Insurance
Workers’ Compensation Insurance

Allstate or Encompass: Ways to Save

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.

AllstateEncompass
Allstate eSmart DiscountAnti-lock Brake Discount
Anti-lock Brake DiscountAnti-theft Device Discount
Anti-Theft Device DiscountDefensive Driver Discount
Deductible RewardsDriver Training Credit
Early Signing DiscountDriver Training Discount
EZ Pay Plan DiscountEncompass Easy Pay
FullPay DiscountFuture Effective Date
Multiple Policy DiscountGood Payer Discount
New Car DiscountGood Student Discount
Responsible Payer DiscountHomeowners Discount
Safe Driving BonusNew Car Discount
Smart Student DiscountPassive Restraint System Discount
Resident Student Discount
Safe Driving Bonus

Pros & Cons of Allstate & Encompass

Pros

Allstate
  • Allstate is the third largest auto insurer in the U.S and offers insurance in all states.
  • There are more than 19,000 independent contractor agents across the country so it’s easy to find an agent in your area.
  • Allstate offers a range of insurance packages that can be customized.
  • The Allstate app is very helpful for managing your account.
Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals

Cons

Allstate
  • Allstate does not offer rideshare insurance for Uber and Lyft drivers.
Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount

Allstate or Encompass Mobile Apps Options

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 & Encompass Contact Info

Allstate Contact Info
Address P.O. Box 660598, Dallas, TX 75266-0598
Phone 1-877-810-2920
Website https://www.allstate.com
Facebook https://www.facebook.com/allstate
Twitter https://twitter.com/allstate
Youtube https://www.youtube.com/allstate
Linkedin https://www.linkedin.com/company/allstate/
Encompass Contact Info
Address 2775 Sanders Road, Northbrook, IL 60062
Phone 1-800-342-5342
Website https://www.encompassinsurance.com/
Facebook https://www.facebook.com/EncompassInsurance/
Twitter https://twitter.com/EncompassInsur1
Youtube https://www.youtube.com/channel/UC4ijYmLNXkfG0TVFbfCwLSg
Linkedin https://www.linkedin.com/company/encompass-insurance/

Methodology
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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