Encompass vs. Farmers Insurance

Which insurance carrier is right for you? Compare pros & cons, discounts, and quotes from Encompass and Farmers.

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Encompass vs. Farmers: 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.

Farmers Insurance began selling insurance a year before the Great Depression and survived to become a household name. Founders John C. Tyler and Thomas E. Leavey started off by going farm to farm to gain their first policies. They specifically lowered rates for farmers and ranchers because they understood that these occupations posed fewer risks with their vehicles. By 1928, they were able to open an office in downtown Los Angeles. During the Great Depression, Farmers was one of the few companies that were able to pay claims. When a devastating earthquake hit Los Angeles, Farmers paid out claims for damaged cars and became the first insurance company to offer comprehensive insurance.

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 Farmers Overview.

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

Below is a list of the average rates that drivers typically pay with Encompass and Farmers. On average, Encompass charges approximately $360.90 per month while Farmers comes in at around $292.17 per month. For Encompass, the cheapest state average is New Hampshire at $114.90 per month and the most expensive is Michigan at $870.33 per month. For Farmers, the cheapest state average is North Dakota at $117.44 per month and the most expensive is Michigan at $839.45 per month.

Encompass

Average Rate

$360.90
Farmers

Average Rate

$292.17
National

Average Rate

$120.03
State Encompass Farmers
Alabama- $203.08
Arizona $197.07 $267.48
Arkansas- $180.52
California- $257.97
Colorado $402.52 $297.91
Connecticut $426.72 -
Delaware $278.81 -
Georgia $235.60 -
Idaho- $122.93
Illinois $152.08 $207.54
Indiana- $133.19
Iowa- $142.50
Kansas $440.07 $182.29
Kentucky $773.85 -
Louisiana $404.02 -
Maryland $355.13 -
Massachusetts $242.65 -
Michigan $870.33 $839.45
Minnesota $622.98 $169.34
Missouri $195.87 $209.70
Montana- $198.62
Nebraska- $189.17
Nevada $458.63 $308.31
New Hampshire $114.90 -
New Jersey $310.21 -
New Mexico $381.62 $192.43
New York $514.62 -
North Carolina $142.74 -
North Dakota- $117.44
Ohio $129.72 $150.62
Oklahoma- $172.61
Oregon $187.25 $173.47
Pennsylvania $296.45 -
Rhode Island $410.07 -
South Carolina $236.84 -
South Dakota- $137.05
Tennessee $186.43 $164.53
Texas $211.20 -
Utah $514.25 $202.25
Virginia $205.51 -
Washington $236.02 $154.57
West Virginia $226.45 -
Wisconsin $161.61 $181.37
Wyoming- $192.61

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

Number of Vehicles Encompass Farmers
1 Vehicle $344.74 $273.63
2 Vehicles $424.18 $353.52
3 Vehicles $692.68 $593.72
4 Vehicles $1,229.20 $856.93

Encompass vs. Farmers: 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 $339.10 per month and Farmers charges $292.46 per month for customers who own their home.

Own/Rent Encompass Farmers
Own $339.10 $292.46
Rent $370.11 $292.05

What is Encompass and Farmers Insurance Rating?

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

Comparison Encompass Farmers
Year Founded 1897 1928
Market Share 3%
A.M. Best A+ A-
BBB Rating A+ A+
Financial Strength Excellent Excellent
JD Power Ranking About Average
Moody’s Rating A2
NAIC Complaint Index 0.42 0.8
S&P Rating A

Encompass or Farmers: Insurance Products Offered

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

Insurance Encompass Farmers
Auto Insurance
Commercial Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
RV Insurance
Umbrella Insurance

Encompass or Farmers: Ways To Save

Farmers offers a wide range of discounts to its policyholders, including Distant Student, Electronic Funds Transfer (EFT), and Good Student discounts. Encompass also offers a few discounts that Farmers doesn’t including Safe Driving Bonus, Resident Student, and Passive Restraint System discounts. Start taking advantage of discounts offered by insurance providers like Farmers and Encompass insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EncompassFarmers
Anti-lock Brake DiscountAlternative Fuel Discount
Anti-theft Device DiscountDistant Student
Defensive Driver DiscountElectronic Funds Transfer (EFT) Discount
Driver Training CreditGood Student
Driver Training DiscountHomeowner Discount
Encompass Easy PayMulti-Car Discount
Future Effective DateMulti-policy Discount
Good Payer DiscountOccupational Discount
Good Student DiscountPay-in-Full Discount
Homeowners DiscountTeen Driver Discount
New Car DiscountTransfer Discount
Passive Restraint System Discount
Resident Student Discount
Safe Driving Bonus

Pros & Cons of Encompass & Farmers

Pros

Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals
Farmers
  • Financial strength
  • Great employee education and customer service.

Cons

Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount
Farmers
  • Steep early-cancellation fees.

Encompass or Farmers Mobile Apps Options

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

The Farmers app is available for iOS and Android. The Farmers Mobile App allows you access to self-service features.

Farmers Mobile App
iOS      4.8 3K user reviews
Android      4 3K user reviews

Encompass & Farmers Contact Info

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/
Farmers Contact Info
Address 6301 Owensmouth Avenue, Woodland Hills, CA 91367
Phone 1 (800) 974-6755
Website https://www.Farmers.com
Facebook https://www.facebook.com/FarmersInsurance/
Twitter https://twitter.com/WeAreFarmers
Youtube https://www.youtube.com/farmersinsurance
Linkedin https://www.linkedin.com/company/farmers-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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