Encompass vs. Safeco Insurance

Which insurance provider is right for you? Compare rates, plans, and quotes from Encompass and Safeco.

Compare Car Insurance Rates in Your Area

Encompass vs. Safeco: 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.

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 average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Encompass Overview and SAFECO Overview.

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

Below is a list of the average rates that drivers typically pay with Encompass and SAFECO. On average, Encompass charges approximately $343.15 per month while SAFECO comes in at around $177.58 per month. For Encompass, the cheapest state average is New Hampshire at $107.61 per month and the most expensive is Michigan at $881.23 per month. For SAFECO, the cheapest state average is Montana at $60.58 per month and the most expensive is Georgia at $377.71 per month.

Encompass

Average Rate

$343.15
SAFECO

Average Rate

$177.58
National

Average Rate

$117.77
State Encompass SAFECO
Arizona $192.53 $98.83
Arkansas- $126.94
California- $191.40
Colorado $392.61 $174.48
Connecticut $425.40 $202.09
Delaware $286.17 -
Georgia $230.02 $377.71
Idaho- $72.79
Illinois $138.73 $107.32
Iowa- $125.43
Kansas $440.96 $218.69
Kentucky $752.33 $162.84
Louisiana $397.81 -
Maryland $334.63 -
Massachusetts $227.16 -
Michigan $881.23 -
Minnesota $609.70 -
Mississippi- $141.80
Missouri $189.60 $158.28
Montana- $60.58
Nebraska- $141.01
Nevada $458.63 $241.22
New Hampshire $107.61 $87.03
New Jersey $308.82 -
New Mexico $368.91 -
New York $476.98 -
North Carolina $137.28 -
North Dakota- $333.01
Ohio $125.15 $141.86
Oregon $179.72 $211.17
Pennsylvania $265.40 -
Rhode Island $389.21 -
South Carolina $233.71 -
Tennessee $179.24 $121.45
Texas $205.48 -
Utah $532.08 $148.82
Vermont- $146.86
Virginia $203.39 -
Washington $234.81 $163.53
West Virginia $222.28 $113.03
Wisconsin $154.38 $76.81
Wyoming- $86.14

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

Number of Vehicles Encompass SAFECO
1 Vehicle $323.34 $163.80
2 Vehicles $416.37 $221.51
3 Vehicles $597.81 $307.92
4 Vehicles $727.80 $

Encompass vs. SAFECO: 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 $324.84 per month and SAFECO charges $168.77 per month for customers who own their home.

Own/Rent Encompass SAFECO
Own $324.84 $168.77
Rent $353.54 $182.38

What is Encompass and Safeco Insurance Rating?

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.

ComparisonEncompassSafeco
Year Founded18971923
A.M. Best RatingA+
BBB RatingA+A-
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Moody’s RatingA2
NAIC Complaint Index1.08
NAIC Complaint Ratio0.42
S&P RatingA

Encompass or Safeco: Insurance Products Offered

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.

InsuranceEncompassSafeco
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Encompass or Safeco: Ways To Save

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.

EncompassSafeco
Anti-lock Brake DiscountAccident Forgiveness
Anti-theft Device DiscountAccident Prevention
Defensive Driver DiscountDiminishing Deductible
Driver Training CreditDistant Student Discount
Driver Training DiscountDriver Training Discount
Encompass Easy PayGood Student Discount
Future Effective DateNew Teen Reward
Good Payer DiscountNewly Independent Discount
Good Student DiscountTeen Safety Rewards
Homeowners DiscountTelematics Reward (Safeco RightTrack)
New Car DiscountTenture Award
Passive Restraint System Discount
Resident Student Discount
Safe Driving Bonus

Pros & Cons of Encompass & Safeco

Pros

Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals
Safeco
  • Diminishing deductible can save you money if you’re ever in an accident.
  • Multiple losses, one deductible means that when you bundle, you can save money if an unexpected event damages both your car and home.
  • Safeco had less than the median number of complaints for home insurance, according to the National Association of Insurance Commissioners.

Cons

Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount
Safeco
  • Safeco had more than the median number of complaints about auto insurance in 2018.

Encompass or Safeco Mobile Apps Options

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     4.75.4K user reviews
Android     3.8416 user reviews

Encompass & Safeco 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/
Safeco Contact Info
Address1400 South Highway Drive, Suite 100, Fenton, MO, 63026
Phone1-888-723-3260
Websitehttps://www.safeco.com
Facebookhttps://www.facebook.com/SafecoInsurance/
Twitterhttps://twitter.com/Safecoinsurance
Youtubehttps://www.youtube.com/Safeco
Linkedinhttps://www.linkedin.com/company/safeco-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.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.