Nationwide vs. Encompass Insurance

Which insurance provider is right for you? Compare price, savings, and quotes from Nationwide and Encompass.

Compare Car Insurance Rates in Your Area

Nationwide vs. Encompass: What You Need to Know

Murray D. Lincoln formed the company the Farm Bureau Mutual Automobile Insurance Company with the goal of selling auto insurance at low rates for farmers in Ohio. In 1926, the first policy was sold. In 1928, Farm Bureau Mutual begins to expand into other states including West Virginia, Maryland, Delaware, Vermont, and North Carolina. By 1934, the company was insuring motorists in metropolitan areas and writing property insurance policies too and by 1943 was operating in 12 states and the District of Columbia. It was in 1955 that the company changed its name to nationwide, with an expansion into 20 new states. In 1982, Nationwide acquires a 100-year-old company and America’s leading farm insurer and goes public in 1997. In the year 2000, the Nationwide Arena opens and becomes home to a National Hockey League franchise, the Columbus Blue Jackets. In 2007, the Nationwide Bank opens. Today, Nationwide is a Fortune 100 company with a full range of insurance and financial services across the country, including car, motorcycle, boat, homeowners, pet, farm, life and commercial insurance, annuities, mortgages, mutual funds, pensions, long-term savings plans and specific health services.

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.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Nationwide Overview and Encompass Overview.

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

Below is a list of the average rates that drivers typically pay with Nationwide and Encompass. On average, Nationwide charges approximately $200.21 per month while Encompass comes in at around $343.15 per month. For Nationwide, the cheapest state average is North Carolina at $91.69 per month and the most expensive is Nevada at $351.47 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.

Nationwide

Average Rate

$200.21
Encompass

Average Rate

$343.15
National

Average Rate

$117.77
State Nationwide Encompass
Alabama $137.06 -
Arizona $210.68 $192.53
Arkansas $132.69 -
California $264.59 -
Colorado $172.09 $392.61
Connecticut $180.32 $425.40
Delaware $178.06 $286.17
District of Columbia $226.08 -
Georgia $174.00 $230.02
Idaho $127.83 -
Illinois $145.46 $138.73
Indiana $127.32 -
Iowa $108.88 -
Kansas $136.51 $440.96
Kentucky $244.43 $752.33
Louisiana- $397.81
Maryland $198.40 $334.63
Massachusetts- $227.16
Michigan $320.83 $881.23
Minnesota $187.37 $609.70
Mississippi $141.60 -
Missouri $174.92 $189.60
Nebraska $132.97 -
Nevada $351.47 $458.63
New Hampshire $117.08 $107.61
New Jersey- $308.82
New Mexico- $368.91
New York $313.80 $476.98
North Carolina $91.69 $137.28
Ohio $118.60 $125.15
Oregon $136.44 $179.72
Pennsylvania $127.09 $265.40
Rhode Island $214.79 $389.21
South Carolina $139.45 $233.71
Tennessee $156.64 $179.24
Texas $200.89 $205.48
Utah $141.28 $532.08
Vermont $100.63 -
Virginia $157.08 $203.39
Washington $135.20 $234.81
West Virginia $203.46 $222.28
Wisconsin $107.81 $154.38

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

Number of Vehicles Nationwide Encompass
1 Vehicle $185.41 $323.34
2 Vehicles $250.56 $416.37
4 Vehicles $377.80 $727.80
3 Vehicles $385.44 $597.81

Nationwide vs. Encompass: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Nationwide charges $186.05 per month and Encompass charges $324.84 per month for customers who own their home.

Own/Rent Nationwide Encompass
Own $186.05 $324.84
Rent $208.08 $353.54

What is Nationwide and Encompass Insurance Rating?

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

Comparison Nationwide Encompass
Year Founded 1925 1897
Market Share 2.7%
A.M. Best A+ A+
BBB Rating A+ A+
Financial Strength Excellent Excellent
JD Power Ranking About Average
Moody’s Rating A1
NAIC Complaint Index 0.38 0.42
S&P Rating A+

Nationwide or Encompass: Insurance Products Offered

What coverage is available through Nationwide and Encompass? Both insurance companies offer Auto, Commercial, Farm, Home, and RV Insurance. Additional products from Nationwide insurance also includes ,Health, Life, Motorcycle, Pet, and Umbrella Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Nationwide and Encompass Insurance page.

Insurance Nationwide Encompass
Auto Insurance
Commercial Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
RV Insurance
Umbrella Insurance

Nationwide or Encompass: Ways To Save

Encompass offers a wide range of discounts to its policyholders, including Anti-theft Device, Defensive Driver, and Driver Training Credit discounts. Nationwide also offers a few discounts that Encompass doesn’t including SmartRide, Passive Occupant Restraint, and Paperless Documents discounts. Start taking advantage of discounts offered by insurance providers like Encompass and Nationwide insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

NationwideEncompass
Accident-free DiscountAnti-lock Brake Discount
Advance Quote DiscountAnti-theft Device Discount
Affinity Car Insurance DiscountsDefensive Driver Discount
Anti-theft DiscountDriver Training Credit
Defensive Driving DiscountDriver Training Discount
Easy Pay DiscountEncompass Easy Pay
Farm Bureau DiscountFuture Effective Date
Good Student DiscountGood Payer Discount
Long-term Policyholder DiscountGood Student Discount
Multi-policy DiscountHomeowners Discount
Nationwide Family PlanNew Car Discount
New VehiclePassive Restraint System Discount
Paperless DocumentsResident Student Discount
Passive Occupant Restraint DiscountSafe Driving Bonus
SmartRide Discount

Pros & Cons of Nationwide & Encompass

Pros

Nationwide
  • Up to 20% off when you bundle home, auto, life and other policies with Nationwide.
  • Big savings for safe driving history.
  • On Your Side Auto Repair Network guarantees workmanship on repairs.
  • Vanishing deductible.
Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals

Cons

Nationwide
  • High rates for people with an imperfect driving history.
  • Credit check in most states.
Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount

Nationwide or Encompass Mobile Apps Options

The Nationwide Mobile App for Android, iPhone and iPad lets you access accounts on the go. The app features fingerprint and facial login to a dashboard where you make payments, manage payment methods and save or share ID cards with drivers on your policy. You can also file a claim and check on its status. The app comes fully equipped to connect with roadside assistance too.

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

Nationwide Mobile App
iOS      3.6 3K user reviews
Android      4.3 1.4K user reviews

Nationwide & Encompass Contact Info

Nationwide Contact Info
Address P.O. Box 742522, Cincinnati, OH 45274-2522
Phone 1-877-669-6877
Website https://www.Nationwide.com
Facebook https://www.facebook.com/nationwide/
Twitter https://twitter.com/Nationwide
Youtube https://www.youtube.com/channel/nationwide
Linkedin https://www.linkedin.com/company/nationwide/
Encompass Contact Info
Address 2775 Sanders Road, Northbrook, IL 60062
Phone 1-800-342-5342
Website https://www.encompassinsurance.com/
Facebook https://www.facebook.com/EncompassInsurance/
Twitter https://twitter.com/EncompassInsur1
Youtube https://www.youtube.com/channel/UC4ijYmLNXkfG0TVFbfCwLSg
Linkedin https://www.linkedin.com/company/encompass-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.