Which insurance provider is right for you? Compare rates, plans, and quotes from Encompass and Safeco.
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.
In 1923, Hawthorne K. Dent founded the General Insurance Company of America. Most insurance activity during that time was taking place in the Northeast, so its Seattle location made “The General” a pioneer not only geographically but also with their competitive prices and great service. Today, however, “the General” is called Safeco, and they offer insurance to people across the country. It was in 1953 that the General Insurance Company of America created a subsidiary called Selective Auto and Fire Insurance Company of America (SAFECO). It was intended to compete with national companies using computer automation tools, which allowed them to enter the life insurance business. By the end of the 1960s, the company also began offering mutual funds and commercial lines of credit. It became so successful that they changed the name entirely to Safeco. In 2008, Safeco was bought by Liberty Mutual Insurance Company, a change that allows Safeco to focus solely on personal insurance lines today.
Below is a list of the average rates that drivers typically pay with Encompass and SAFECO. On average, Encompass charges approximately $346.46 per month while SAFECO comes in at around $180.76 per month. For Encompass, the cheapest state average is New Hampshire at $118.28 per month and the most expensive is Kentucky at $774.23 per month. For SAFECO, the cheapest state average is Montana at $64.42 per month and the most expensive is Georgia at $387.85 per month.
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Encompass and SAFECO typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Encompass||SAFECO|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Encompass charges $326.60 per month and SAFECO charges $170.14 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 Safeco ranked among the industry ratings.
|A.M. Best Rating||A+|
|JD Power Ranking||About Average|
|NAIC Complaint Index||1.08|
|NAIC Complaint Ratio||0.42|
What coverage is available through Encompass and Safeco? Both insurance companies offer Auto, Commercial, Home, RV, and Umbrella insurance. Additional products from Safeco insurance also includes Condo, 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 SAFECO Insurance page.
Safeco offers a wide range of discounts to its policyholders, including Accident Prevention, Diminishing Deductible, and Distant Student discounts. In contrast, Encompass also offers a few discounts that Safeco doesn’t including Safe Driving Bonus, Resident Student, and Passive Restraint System discounts. Start taking advantage of discounts offered by insurance providers like Safeco 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 Forgiveness|
|Anti-theft Device Discount||Accident Prevention|
|Defensive Driver Discount||Diminishing Deductible|
|Driver Training Credit||Distant Student Discount|
|Driver Training Discount||Driver Training Discount|
|Encompass Easy Pay||Good Student Discount|
|Future Effective Date||New Teen Reward|
|Good Payer Discount||Newly Independent Discount|
|Good Student Discount||Teen Safety Rewards|
|Homeowners Discount||Telematics Reward (Safeco RightTrack)|
|New Car Discount||Tenture Award|
|Passive Restraint System Discount|
|Resident Student Discount|
|Safe Driving Bonus|
Encompass only offers a Roadside Assistance app for iOS and Android. It has not been rated.
The Safeco Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. This mobile and tablet friendly app help you pull up your ID cards, make a payment, manage your policies and file a claim as well as submit accident photos.
|Encompass Mobile App|
|Encompass does not currently have an insurance mobile app.|
|Safeco Mobile App|
|iOS||4.7||5.4K user reviews|
|Android||3.8||416 user reviews|
|Encompass Contact Info|
|Address||2775 Sanders Road, Northbrook, IL 60062|
|Safeco Contact Info|
|Address||1400 South Highway Drive, Suite 100, Fenton, MO, 63026|
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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