Encompass vs. Travelers Insurance

Which insurance carrier is right for you? Compare plans, discounts, and quotes from Encompass and Travelers.

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Encompass vs. Travelers: 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.

For more than 160 years Travelers Insurance has been protecting homes, cars, valuables, and businesses. Today they have the reputation of being one of the best property and casualty companies in the industry and are the only one in the Dow Jones Industrial Average. The company has 30,000 employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, Ireland, and Brazil. In 1864, a stonecutter, James G. Batterson, and several other townsman in Hartford Connecticut began organizing a company to introduce accident insurance to the U.S. James E. Bolter, a local banker, asked Batterson how much he’d charge to insure his four-block home. Batterson said it would cost “two cents.” Today, the two-cent “premium” is Traveler’s treasured souvenir. The following year, Travelers began selling life insurance and in 1897 they issued their first automobile insurance policy.

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 Travelers Overview.

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

Below is a list of the average rates that drivers typically pay with Encompass and Travelers. On average, Encompass charges approximately $297.58 per month while Travelers comes in at around $160.30 per month. For Encompass, the cheapest state average is Arizona at $150.99 per month and the most expensive is Nevada at $535.75 per month. For Travelers, the cheapest state average is Illinois at $99.78 per month and the most expensive is Nevada at $213.76 per month.

Encompass

Average Rate

$297.58
Travelers

Average Rate

$160.30
National

Average Rate

$133.56
State Encompass Travelers
Arizona $150.99 $144.51
Georgia $227.41 -
Illinois- $99.78
Michigan $314.19 $161.24
Nevada $535.75 $213.76
New Jersey $257.81 -
New York $281.79 $151.53
Pennsylvania $249.93 $156.29
Tennessee $204.53 $133.08
Texas $220.24 -
Washington $279.60 $182.72

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

Number of Vehicles Encompass Travelers
1 Vehicle $287.52 $155.47
2 Vehicles $390.89 $226.90

Encompass vs. Travelers: 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 $294.66 per month and Travelers charges $159.07 per month for customers who own their home.

Own/Rent Encompass Travelers
Own $294.66 $159.07
Rent $298.46 $160.62

What is Encompass and Travelers Insurance Rating?

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

ComparisonEncompassTravelers
Year Founded18971864
Market Share1.8%
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Moody’s RatingAa2
NAIC Complaint Ratio0.42
S&P RatingAA

Encompass or Travelers: Insurance Products Offered

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

InsuranceEncompassTravelers
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Encompass or Travelers: Ways To Save

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

EncompassTravelers
Anti-lock Brake DiscountAffinity Program Discounts
Anti-theft Device DiscountContinuous Insurance Discount
Defensive Driver DiscountDriver Training Discount
Driver Training CreditEarly Quote Discount
Driver Training DiscountEFT, Paid in Full and Good Payer Discount
Encompass Easy PayGood Student Discount
Future Effective DateHome Ownership Discount
Good Payer DiscountHybrid/Electric Vehicle Discount
Good Student DiscountIntelliDrive Program Safe Driving Discount
Homeowners DiscountMulti-policy Discount
New Car DiscountMultiCar Discount
Passive Restraint System DiscountNew Car Discount
Resident Student DiscountSafe Driver Discount
Safe Driving BonusStudent Away at School Discount

Pros & Cons of Encompass & Travelers

Pros

Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals
Travelers
  • Unlike other carriers who only offer it for the first two or three years, Travelers’ new car replacement covers the first five years.
  • Travelers offers accident forgiveness.
  • Offers ride sharing insurance.
  • Discounts on hybrids and electric vehicles.

Cons

Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount
Travelers
  • Prices tend to be high.

Encompass or Travelers Mobile Apps Options

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

The Travelers Mobile app is available for iOS and Android. This award-winning mobile app can help manage insurance and banking accounts, request roadside service, file and track claims and pay bills.

Encompass Mobile App
Encompass does not currently have a mobile app.
Travelers Mobile App
iOS     2.715K user reviews
Android     3.316K user reviews

Encompass & Travelers 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/
Travelers Contact Info
Address485 Lexington Ave New York, NY 10017
Phone1-800-328-2189
Websitehttps://www.travelers.com
Facebookhttps://www.facebook.com/travelers
Twitterhttps://twitter.com/travelersinsurance
Youtubehttps://www.youtube.com/user/travelersinsurance
Linkedinhttps://www.linkedin.com/company/travelers

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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