Encompass vs. State Auto Insurance

Which insurance company is right for you? Compare premiums, coverage, and quotes from Encompass and State Auto.

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Encompass vs. State Auto: 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 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.

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 State Auto Overview.

Encompass vs. State Auto: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Encompass and State Auto. On average, Encompass charges approximately $343.15 per month while State Auto comes in at around $203.81 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 State Auto, the cheapest state average is North Dakota at $122.87 per month and the most expensive is Texas at $258.06 per month.

Encompass

Average Rate

$343.15
State Auto

Average Rate

$203.81
National

Average Rate

$117.77
State Encompass State Auto
Alabama- $164.41
Arizona $192.53 -
Colorado $392.61 -
Connecticut $425.40 -
Delaware $286.17 -
Georgia $230.02 -
Illinois $138.73 $203.58
Indiana- $228.89
Kansas $440.96 -
Kentucky $752.33 $191.72
Louisiana $397.81 -
Maryland $334.63 $253.07
Massachusetts $227.16 -
Michigan $881.23 -
Minnesota $609.70 -
Missouri $189.60 -
Nevada $458.63 -
New Hampshire $107.61 -
New Jersey $308.82 -
New Mexico $368.91 -
New York $476.98 -
North Carolina $137.28 -
North Dakota- $122.87
Ohio $125.15 $148.65
Oregon $179.72 -
Pennsylvania $265.40 $196.80
Rhode Island $389.21 -
South Carolina $233.71 $170.09
Tennessee $179.24 $166.18
Texas $205.48 $258.06
Utah $532.08 $208.31
Virginia $203.39 -
Washington $234.81 -
West Virginia $222.28 -
Wisconsin $154.38 $155.66

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

Number of Vehicles Encompass State Auto
1 Vehicle $323.34 $192.93
2 Vehicles $416.37 $242.01
3 Vehicles $597.81 $414.95
4 Vehicles $727.80 $

Encompass vs. State Auto: 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 State Auto charges $189.62 per month for customers who own their home.

Own/Rent Encompass State Auto
Own $324.84 $189.62
Rent $353.54 $212.03

What is Encompass and State Auto Insurance Rating?

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

ComparisonEncompassState Auto
Year Founded18971921
A.M. Best RatingA+A+
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.42

Encompass or State Auto: Insurance Products Offered

What coverage is available through Encompass and State Auto? Both insurance companies offer Auto, Commercial, Farm, Home, and Umbrella insurance. Additional products from Encompass insurance also include RV 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 State Auto Insurance page.

InsuranceEncompassState Auto
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
RV Insurance
Umbrella Insurance

Encompass or State Auto: Ways To Save

State Auto offers a wide range of discounts to its policyholders, including Anti-theft Device, Driver Training, and Good Student discounts. In contrast, Encompass also offers a few discounts that State Auto doesn’t including Safe Driving Bonus, Resident Student, and Passive Restraint System discounts. Start taking advantage of discounts offered by insurance providers like State Auto and Encompass insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EncompassState Auto
Anti-lock Brake DiscountAccident Prevention Course
Anti-theft Device DiscountAnti-theft Device Discount
Defensive Driver DiscountDriver Training
Driver Training CreditGood Student Discount
Driver Training DiscountMulti-car Discount
Encompass Easy PayMulti-policy Discount
Future Effective DatePaid in Full Discount
Good Payer DiscountState Auto Safety 360
Good Student DiscountState Auto Start-Up
Homeowners Discount
New Car Discount
Passive Restraint System Discount
Resident Student Discount
Safe Driving Bonus

Pros & Cons of Encompass & State Auto

Pros

Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals
State Auto
  • State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.

Cons

Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount
State Auto
  • The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
  • Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia and Wisconsin.

Encompass or State Auto Mobile Apps Options

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

The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.

Encompass Mobile App
Encompass does not currently have an insurance mobile app.
State Auto Mobile App
iOS     1.817 user reviews
Android     2.325 user reviews

Encompass & State Auto 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/
State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-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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