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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 $274.51 per month while State Auto comes in at around $244.43 per month. For Encompass, the cheapest state average is Ohio at $123.86 per month and the most expensive is Minnesota at $648.41 per month. For State Auto, the cheapest state average is Wisconsin at $208.03 per month and the most expensive is Indiana at $275.97 per month.
Average Rate
Average Rate
Average Rate
| State | Encompass | State Auto |
|---|---|---|
| Arizona | $185.77 | - |
| Colorado | $319.01 | - |
| Connecticut | $387.51 | - |
| Delaware | $358.85 | - |
| Georgia | $236.86 | - |
| Illinois | $162.90 | $230.32 |
| Indiana | - | $275.97 |
| Kansas | $471.10 | - |
| Kentucky | $624.52 | $223.10 |
| Louisiana | $469.07 | - |
| Maryland | $273.01 | - |
| Michigan | $318.17 | - |
| Minnesota | $648.41 | - |
| Missouri | $208.73 | - |
| Nevada | $542.77 | - |
| New Hampshire | $141.64 | - |
| New Jersey | $261.64 | - |
| New Mexico | $582.24 | - |
| New York | $305.35 | - |
| Ohio | $123.86 | - |
| Oregon | $199.87 | - |
| Pennsylvania | $249.11 | $217.90 |
| Rhode Island | $395.91 | - |
| South Carolina | $228.54 | $227.68 |
| Tennessee | $188.27 | - |
| Texas | $203.39 | $248.69 |
| Utah | $608.73 | $248.83 |
| Virginia | $145.48 | - |
| Washington | $280.65 | - |
| West Virginia | $147.97 | - |
| Wisconsin | $203.43 | $208.03 |
Encompass vs. State Auto: Rates by Number of Vehicle
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 | $260.71 | $230.46 |
| 2 Vehicles | $359.44 | $315.24 |
Encompass vs. State Auto: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Encompass charges $285.05 per month and State Auto charges $257.28 per month for customers who own their home.
| Own/Rent | Encompass | State Auto |
|---|---|---|
| Own | $285.05 | $257.28 |
| Rent | $271.31 | $240.42 |
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.
| Comparison | Encompass | State Auto |
|---|---|---|
| Year Founded | 1897 | 1921 |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.42 |
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.
| Insurance | Encompass | State 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.
| Encompass | State Auto |
|---|---|
| Anti-lock Brake Discount | Accident Prevention Course |
| Anti-theft Device Discount | Anti-theft Device Discount |
| Defensive Driver Discount | Driver Training |
| Driver Training Credit | Good Student Discount |
| Driver Training Discount | Multi-car Discount |
| Encompass Easy Pay | Multi-policy Discount |
| Future Effective Date | Paid in Full Discount |
| Good Payer Discount | State Auto Safety 360 |
| Good Student Discount | State 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 | 1.8 | 17 user reviews |
| Android | 2.3 | 25 user reviews |
Encompass & State Auto Contact Info
| Encompass Contact Info | |
|---|---|
| Address | 2775 Sanders Road, Northbrook, IL 60062 |
| Phone | 1-800-342-5342 |
| Website | https://www.encompassinsurance.com/ |
| https://www.facebook.com/EncompassInsurance/ | |
| https://twitter.com/EncompassInsur1 | |
| Youtube | https://www.youtube.com/channel/UC4ijYmLNXkfG0TVFbfCwLSg |
| https://www.linkedin.com/company/encompass-insurance/ | |
| State Auto Contact Info | |
|---|---|
| Address | 518 East Broad Street, Columbus, OH 43215 |
| Phone | 1 (833) 724-3577 |
| Website | https://www.stateauto.com/ |
| https://www.facebook.com/stateauto/ | |
| https://twitter.com/StateAuto | |
| https://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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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