Encompass vs. Dairyland Insurance

Which insurance carrier is right for you? Compare insights, discounts, and quotes from Encompass and Dairyland.

Compare Car Insurance Rates in Your Area

Encompass vs. Dairyland: 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.

Dairyland Insurance Company began as a local insurer in Wisconsin over 60 years ago and grew to have a national presence. Today, the insurance company prides itself on maintaining its midwestern roots and what it calls “small-town values.” In 1916, The Hardware Dealers MutualFire Insurance Company of Wisconsin (known today as Sentry) began writing auto insurance policies. Professor Stuart Struck formed the Dairyland Mutual Insurance Company of Wisconsin in 1953 and in 1966 The Hardware Dealers Mutual Fire Insurance Company acquiredDairyland, which sold specialty insurance to drivers who couldn’t otherwise get standard coverage due to poor driving records, little driving experience or no prior insurance. In 1975independent agents joined Dairyland and began selling motorcycle insurance. Two years later, they moved to a new headquarters in Steven Point, Wisconsin. Sentry, Dairyland’s parent company, celebrated100 years of business in 2004. The following year, Sentry acquired Viking Insurance and doubled the size of Dairyland. Sentry has over $13 billion worth of assets and a policyholder surplus of $4.1 billion. In addition to motorcycle insurance, Dairyland is known for selling non-standard SR-22/SR22/SR 22 insurance and insurance for teen drivers at affordable rates.

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 Dairyland Overview.

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

Below is a list of the average rates that drivers typically pay with Encompass and Dairyland. On average, Encompass charges approximately $296.12 per month while Dairyland comes in at around $174.72 per month. For Encompass, the cheapest state average is Illinois at $126.92 per month and the most expensive is Nevada at $513.84 per month. For Dairyland, the cheapest state average is Oregon at $0.00 per month and the most expensive is South Carolina at $498.78 per month.

Encompass

Average Rate

$296.12
Dairyland

Average Rate

$174.72
National

Average Rate

$133.56
State Encompass Dairyland
Alabama- $367.33
Arizona $152.61 -
Georgia $227.41 -
Illinois $126.92 $73.32
Michigan $310.27 -
Nevada $513.84 $57.79
New Jersey $257.81 -
New York $293.24 -
North Carolina- $149.50
Oregon- $0.00
Pennsylvania $247.99 $294.86
South Carolina- $498.78
Tennessee $195.22 -
Texas $230.86 -
Washington $273.51 $227.99
Wisconsin- $18.25

Encompass vs. Dairyland: 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 Encompass and Dairyland typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Encompass Dairyland
1 Vehicle $286.05 $159.52
2 Vehicles $391.85 $281.11

Encompass vs. Dairyland: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Encompass charges $293.02 per month and Dairyland charges $204.98 per month for customers who own their home.

Own/Rent Encompass Dairyland
Own $293.02 $204.98
Rent $297.07 $163.37

What is Encompass and Dairyland Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Encompass and Dairyland ranked among the industry ratings.

Comparison Encompass Dairyland
Year Founded 1897 1953
BBB Rating A+ A+
Financial Strength Excellent Very Good
Market Share Percentage 0.6%
NAIC Complaint Ratio 0.42 2.68

Encompass or Dairyland: Insurance Products Offered

What coverage is available through Encompass and Dairyland? Both insurance companies offer Auto Insurance. Additional products from Encompass insurance also includes Commercial, Farm, Home, RV, and Umbrella 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 Dairyland Insurance page.

Insurance Encompass Dairyland
Auto Insurance
Commercial Insurance
Farm Insurance
Home Insurance
Motorcycle Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

Encompass or Dairyland: Ways To Save

Dairyland offers a wide range of discounts to its policyholders, including Anti-theft, Defensive Driving, and Homeowners discounts. Encompass also offers a few discounts that Dairyland doesn’t including Safe Driving Bonus, Resident Student, and Passive Restraint System discounts. Start taking advantage of discounts offered by insurance providers like Dairyland and Encompass insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EncompassDairyland
Anti-lock Brake DiscountAdvanced Quote Discount
Anti-theft Device DiscountAnti-theft Discount
Defensive Driver DiscountDefensive Driving Discount
Driver Training CreditHomeowners Discount
Driver Training DiscountMulti-car Discount
Encompass Easy PayPayment Frequency Discount
Future Effective DateTransfer Discount
Good Payer Discount
Good Student Discount
Homeowners Discount
New Car Discount
Passive Restraint System Discount
Resident Student Discount
Safe Driving Bonus

Pros & Cons of Encompass & Dairyland

Pros

Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals
Dairyland
  • Insurance for nonstandard and/or high-risk drivers at reasonable prices.

Cons

Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount
Dairyland
  • While rates are often lower than other carriers, insuring high-risk/nonstandard drivers is not cheap.

Encompass or Dairyland Mobile Apps Options

Encompass only offers a Roadside Assistance app for iOS and Android. It has not been rated.

The Dairyland app is available for iOS and Android. This is where customers can access self-service options here and pay bills.

Dairyland Mobile App
iTunes      3.4 34 user reviews
Google Play      3.6 208 user reviews

Encompass & Dairyland Contact Info

Encompass Contact Info
Address2775 Sanders Road, Northbrook, IL 60062
Phone1-800-342-5342
Websitehttps://www.encompassinsurance.com/
Facebookhttps://www.facebook.com/EncompassInsurance/
Twitterhttps://twitter.com/EncompassInsur1
Youtubehttps://www.youtube.com/channel/UC4ijYmLNXkfG0TVFbfCwLSg
Linkedinhttps://www.linkedin.com/company/encompass-insurance/
Dairyland Contact Info
Address1800 North Point Drive, Stevens Point, WI 54481
Phone1 (844) 242-4468
Websitehttps://www.dairylandinsurance.com
Twitterhttps://www.twitter.com/dairylandins
Facebookhttps://www.facebook.com/DairylandInsurance
Youtubehttps://www.youtube.com/user/dairylandcycle/featured
Linkedinhttps://www.linkedin.com/company/dairyland-cycle-insurance/about

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.

Compare Insurance Rates for Free.

Answer a few questions and let Penny find the best rates in your area.