Encompass vs. Liberty Mutual Insurance

Which insurance carrier is right for you? Compare coverage, price, and quotes from Encompass and Liberty Mutual.

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Encompass vs. Liberty Mutual: 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.

Liberty Mutual Group is a global insurer and the fourth largest property and casualty insurer in the U.S, ranking 68th on Fortune 100 list of the largest corporations in the U.S. The company has assets of more than $100 billion. Today the group employs over 50,000 people in over 900 locations around the globe, including 45 U.S. states. Liberty Mutual formed on July 1, 1912, as Massachusetts Employees Insurance Association (MEIA) and emerged after state law began to require that employers carry protection for their employees. MEIA provided workers’ compensation insurance to companies, and the first auto policy was sold in 1918. In 1920, the company used a then-new medium of film to teach people about workplace safety. The first Liberty Mutual home office opened its doors in Boston in 1937. In 1946, they created an emergency stop switch for escalators. In 1957 Liberty Mutual and Cornell University partnered to create a “safety car” by crash testing with dummies, something that had never been done before. In 1964, Liberty Mutual began selling life insurance though the Liberty Life Assurance Branch. The first battery-powered prosthetic elbow was created by the company in 1967. As Liberty Mutual grew, it expanded beyond North America by opening its first operation in the UK. In the 1990s, they continued to grow through the acquisition of large commercial and risk carriers. In 2008, Safeco became a part of Liberty Mutual. In 2016 reaffirmed its commitment to innovation by creating Solar Labs.

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 Liberty Mutual Overview.

Encompass vs. Liberty Mutual: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Encompass and Liberty Mutual. On average, Encompass charges approximately $363.51 per month while Liberty Mutual comes in at around $313.25 per month. For Encompass, the cheapest state average is New Hampshire at $117.01 per month and the most expensive is Michigan at $915.44 per month. For Liberty Mutual, the cheapest state average is North Carolina at $90.18 per month and the most expensive is Delaware at $864.88 per month.

Encompass

Average Rate

$363.51
Liberty Mutual

Average Rate

$313.25
National

Average Rate

$119.16
State Encompass Liberty Mutual
Arizona $196.37 -
Arkansas- $360.40
Colorado $407.04 -
Connecticut $434.44 $401.80
Delaware $283.09 $864.88
Georgia $236.17 -
Illinois $150.34 -
Iowa- $286.56
Kansas $450.57 -
Kentucky $774.77 -
Louisiana $406.97 -
Maryland $356.17 $368.58
Massachusetts $241.53 $246.79
Michigan $915.44 -
Minnesota $630.70 -
Mississippi- $481.31
Missouri $195.26 -
Nebraska- $296.41
Nevada $450.20 $276.14
New Hampshire $117.01 $226.70
New Jersey $313.52 -
New Mexico $385.43 -
New York $510.77 $420.74
North Carolina $143.27 $90.18
Ohio $129.24 $235.48
Oregon $187.47 -
Pennsylvania $283.70 $326.84
Rhode Island $397.25 $373.83
South Carolina $241.45 -
Tennessee $186.06 $243.32
Texas $212.57 -
Utah $532.31 -
Virginia $210.34 -
Washington $237.36 $194.31
West Virginia $230.79 -
Wisconsin $157.02 $268.70

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

Number of Vehicles Encompass Liberty Mutual
1 Vehicle $345.45 $298.49
2 Vehicles $427.16 $370.42
3 Vehicles $748.84 $
4 Vehicles $1,106.85 $

Encompass vs. Liberty Mutual: 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 $342.21 per month and Liberty Mutual charges $281.77 per month for customers who own their home.

Own/Rent Encompass Liberty Mutual
Own $342.21 $281.77
Rent $373.80 $326.96

What is Encompass and Liberty Mutual Insurance Rating?

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

ComparisonEncompassLiberty Mutual
Year Founded18971912
A.M. Best RatingA+a
BBB RatingA+A-
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Market Share Percentage5%
Moody’s RatingA2
NAIC Complaint Ratio0.424.55
S&P RatingA

Encompass or Liberty Mutual: Insurance Products Offered

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

InsuranceEncompassLiberty Mutual
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Encompass or Liberty Mutual: Ways To Save

Encompass offers a wide range of discounts to its policyholders, including Anti-theft Device, Defensive Driver, and Driver Training Credit discounts. In contrast, Liberty Mutual also offers a few discounts that Encompass doesn’t including Violation Free, Student-Away-at-School, and Righttrack telematics device discount discounts. Start taking advantage of discounts offered by insurance providers like Liberty Mutual and Encompass insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EncompassLiberty Mutual
Anti-lock Brake DiscountAccident Free Discount
Anti-theft Device DiscountAdvanced Safety Features Discount
Defensive Driver DiscountAlternative Energy Discount
Driver Training CreditAnti-Theft Device Discount
Driver Training DiscountBundle Discounts
Encompass Easy PayEarly Shopper Discount
Future Effective DateGood Student Discount
Good Payer DiscountHomeowner Discount
Good Student DiscountMilitary Discount
Homeowners DiscountMulti-Car Discount
New Car DiscountMulti-Policy Discount
Passive Restraint System DiscountOnline Purchase Discounts
Resident Student DiscountPaperless Policy Discount
Safe Driving BonusPay-in-Full Discount
Preferred Payment Discount
Righttrack telematics device discount
Student-Away-at-School Discount
Violation Free Discount

Pros & Cons of Encompass & Liberty Mutual

Pros

Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals
Liberty Mutual
  • Telematics devices that track driving behaviors can save safe drivers up to 30%.
  • Liberty Mutual Deductible Fund, which reduces and eliminates your deductible.
  • Accident forgiveness for your first accident.
  • Lifetime auto repair guarantee at one of 2,000 guaranteed repair network facilities.
  • Original parts replacement ensures that you will only be sold parts made by the manufacturer, not a third party.

Cons

Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount
Liberty Mutual
  • Accident forgiveness is not available in CA and NC.
  • New car replacement is not available in NC and WY.
  • No good student discount.
  • No military discount.
  • No rideshare insurance.

Encompass or Liberty Mutual Mobile Apps Options

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

The Liberty Mutual app is available for iOS and Android. This insurance concierge is where you can report accidents or update personal information 24/7.

Encompass Mobile App
Encompass does not currently have a mobile app.
Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews

Encompass & Liberty Mutual 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/
Liberty Mutual Contact Info
Address175 Berkeley Street, Boston, Massachusetts
Phone1 (888) 398-8924
Websitewww.libertymutual.com
Facebookwww.facebook.com/libertymutual
Twitterwww.twitter.com/libertymutual
Youtubewww.youtube.com/libertymutual
Linkedinwww.linkedin.com/company/liberty-mutual-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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