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Encompass vs. Auto Owners Insurance
Which insurance provider is right for you? Compare discounts, plans, and quotes from Encompass and Auto Owners.
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- Encompass vs Auto-Owners Insurance Co
Encompass vs. Auto Owners: What You Need to Know
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.
Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana. In 1951, the company opens the doors to its new four-story home in downtown Lansing and 400 associates moved in. In 1966 the company established Auto-Owners Life Insurance Company. In 1976, the company moved into its current home in Lansing. Auto-Owners Insurance celebrated its 100th anniversary. In 2017, Auto-Owners begins its affiliation with Concord General Mutual Insurance group. Today, Auto-Owners Insurance writes policies in 26 states and has more than 4,700 employees. The company has been a member of the Fortune 500 since 2002. In 2018, Auto-Owners Insurance was listed at number 375.
Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Encompass Overview and Auto-Owners Insurance Co Overview.
Encompass vs. Auto-Owners Insurance Co: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Encompass and Auto-Owners Insurance Co. On average, Encompass charges approximately $297.58 per month while Auto-Owners Insurance Co comes in at around $130.10 per month. For Encompass, the cheapest state average is Arizona at $150.99 per month and the most expensive is Nevada at $535.75 per month. For Auto-Owners Insurance Co, the cheapest state average is Georgia at $110.55 per month and the most expensive is Pennsylvania at $142.12 per month.
Average Rate
Average Rate
Average Rate
| State | Encompass | Auto-Owners Insurance Co |
|---|---|---|
| Arizona | $150.99 | - |
| Georgia | $227.41 | $110.55 |
| Michigan | $314.19 | $131.43 |
| Nevada | $535.75 | - |
| New Jersey | $257.81 | - |
| New York | $281.79 | - |
| Pennsylvania | $249.93 | $142.12 |
| Tennessee | $204.53 | $119.45 |
| Texas | $220.24 | - |
| Washington | $279.60 | - |
Encompass vs. Auto-Owners Insurance Co: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Encompass and Auto-Owners Insurance Co typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Encompass | Auto-Owners Insurance Co |
|---|---|---|
| 1 Vehicle | $287.52 | $124.26 |
| 2 Vehicles | $390.89 | $189.33 |
Encompass vs. Auto-Owners Insurance Co: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Encompass charges $294.66 per month and Auto-Owners Insurance Co charges $134.72 per month for customers who own their home.
| Own/Rent | Encompass | Auto-Owners Insurance Co |
|---|---|---|
| Own | $294.66 | $134.72 |
| Rent | $298.46 | $128.55 |
What is Encompass and Auto Owners Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encompass and Auto Owners ranked among the industry ratings.
| Comparison | Encompass | Auto Owners |
|---|---|---|
| Year Founded | 1897 | 1916 |
| Market Share | 2.4% | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Better Than Most | |
| NAIC Complaint Index | 0.77 | |
| NAIC Complaint Ratio | 0.42 | |
| S&P Rating | AA |
Encompass or Auto Owners: Insurance Products Offered
What coverage is available through Encompass and Auto Owners? Both insurance companies offer Auto, Commercial, Farm, Home, RV, and Umbrella Insurance. Additional products from Auto Owners insurance also includes Condo, Health, Life, Motorcycle, Pet, and Renters Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Encompass and Auto-Owners Insurance Co Insurance page.
| Insurance | Encompass | Auto Owners |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | ✔ |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ | ✔ |
Encompass or Auto Owners: Ways To Save
Auto Owners offers a wide range of discounts to its policyholders, including Favorable Loss History, Good Student, and Green discounts. Encompass also offers a few discounts that Auto Owners doesn’t including Safe Driving Bonus, Resident Student, and Passive Restraint System discounts. Start taking advantage of discounts offered by insurance providers like Auto Owners and Encompass insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encompass | Auto Owners |
|---|---|
| Anti-lock Brake Discount | Advance Quote Discount |
| Anti-theft Device Discount | Favorable Loss History |
| Defensive Driver Discount | Good Student Discount |
| Driver Training Credit | Green Discount |
| Driver Training Discount | Life Multi-policy Discount |
| Encompass Easy Pay | Multi-car Discount |
| Future Effective Date | Multi-policy Discount |
| Good Payer Discount | Paid-in-full Discount |
| Good Student Discount | Payment History |
| Homeowners Discount | Safety Features Discounts |
| New Car Discount | Student Away at School Discount |
| Passive Restraint System Discount | Teen Driver Monitoring Discount |
| Resident Student Discount | |
| Safe Driving Bonus |
Pros & Cons of Encompass & Auto Owners
Pros
Encompass
- Great customer service and low complaint ratio.
- New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
- Great bundle deals
Auto Owners
- Several options for discounts for teen drivers.
- Common loss deductible and multi-policy discounts allow clients to save money if they insure home and auto with Auto-Owners Insurance.
Cons
Encompass
- There’s no minimal coverage for standalone homeowners insurance
- No mature driver discount
Auto Owners
- Auto-Owners Insurance only serves 26 states.
- No rideshare insurance.
Encompass or Auto Owners Mobile Apps Options
Encompass only offers a Roadside Assistance app for iOS and Android. It has not been rated.
The Auto-Owners Insurance mobile app is available for iOS and android. This insurance concierge gives you access to your policy 24/7. You can pay your bills, set up and manage automatic payments and check on the status of a claim.
| Auto Owners Mobile App | ||
|---|---|---|
| iOS | 3.3 | 34 user reviews |
| Android | 4.3 | 53 user reviews |
Encompass & Auto Owners Contact Info
| Encompass Contact Info | |
|---|---|
| Address | 2775 Sanders Road, Northbrook, IL 60062 |
| Phone | 1-800-342-5342 |
| Website | https://www.encompassinsurance.com/ |
| https://www.facebook.com/EncompassInsurance/ | |
| https://twitter.com/EncompassInsur1 | |
| Youtube | https://www.youtube.com/channel/UC4ijYmLNXkfG0TVFbfCwLSg |
| https://www.linkedin.com/company/encompass-insurance/ | |
| Auto Owners Contact Info | |
|---|---|
| Address | 6101 Anacapri Blvd., Lansing, MI, 48917 |
| Phone | 1-517-323-1200 |
| Website | https://www.auto-owners.com/ |
| https://www.facebook.com/AutoOwnersInsurance/ | |
| https://twitter.com/AutoOwnersIns | |
| Youtube | https://www.youtube.com/user/AutoOwnersInsurance |
| https://www.linkedin.com/company/auto-owners-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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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