Which insurance carrier is right for you? Compare coverage, price, and quotes from Encompass and Liberty Mutual.
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.
Below is a list of the average rates that drivers typically pay with Encompass and Liberty Mutual. On average, Encompass charges approximately $275.46 per month while Liberty Mutual comes in at around $276.37 per month. For Encompass, the cheapest state average is Ohio at $124.90 per month and the most expensive is Minnesota at $696.71 per month. For Liberty Mutual, the cheapest state average is Connecticut at $117.31 per month and the most expensive is Nevada at $548.81 per month.
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|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Encompass charges $287.90 per month and Liberty Mutual charges $243.45 per month for customers who own their home.
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.
|JD Power Ranking||About Average|
|Market Share Percentage||5%|
|NAIC Complaint Ratio||0.42||4.55|
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.
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.
|Anti-lock Brake Discount||Accident Free Discount|
|Anti-theft Device Discount||Advanced Safety Features Discount|
|Defensive Driver Discount||Alternative Energy Discount|
|Driver Training Credit||Anti-Theft Device Discount|
|Driver Training Discount||Bundle Discounts|
|Encompass Easy Pay||Early Shopper Discount|
|Future Effective Date||Good Student Discount|
|Good Payer Discount||Homeowner Discount|
|Good Student Discount||Military Discount|
|Homeowners Discount||Multi-Car Discount|
|New Car Discount||Multi-Policy Discount|
|Passive Restraint System Discount||Online Purchase Discounts|
|Resident Student Discount||Paperless Policy Discount|
|Safe Driving Bonus||Pay-in-Full Discount|
|Preferred Payment Discount|
|Righttrack telematics device discount|
|Violation Free Discount|
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||4.8||26.6K user reviews|
|Google Play||4.2||3.8K user reviews|
|Encompass Contact Info|
|Address||2775 Sanders Road, Northbrook, IL 60062|
|Liberty Mutual Contact Info|
|Address||175 Berkeley Street, Boston, Massachusetts|
|Phone||1 (888) 398-8924|
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.
Answer a few questions and let Penny find the best rates in your area.