State Farm vs. Encompass Insurance

Which insurance carrier is right for you? Compare insights, savings, and quotes from State Farm and Encompass.

Compare Car Insurance Rates in Your Area

State Farm vs. Encompass: What You Need to Know

State Farm was founded in 1922 by George Jacob “G.J.” Mecherle, a retired farmer and insurance salesman. The code of conduct for the company has always been “to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.” From the start, the company was branded as being “Like a good neighbor” and for “being there” for all State Farm customers. Fittingly, the State Farm agent in the television commercials is Patrick Minnis, a real State Farm insurance agent from Tempe, AZ. In 1971, Barry Manilow wrote the famous State Farm jingle that cemented the company’s brand as a helpful neighbor and Weezer covered the famous jingle in 2011.

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 State Farm Overview and Encompass Overview.

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

Below is a list of the average rates that drivers typically pay with State Farm and Encompass. On average, State Farm charges approximately $189.95 per month while Encompass comes in at around $299.67 per month. For State Farm, the cheapest state average is Pennsylvania at $90.11 per month and the most expensive is Michigan at $231.56 per month. For Encompass, the cheapest state average is Arizona at $156.25 per month and the most expensive is Connecticut at $445.10 per month.

State Farm

Average Rate

$189.95
Encompass

Average Rate

$299.67
National

Average Rate

$133.56
State State Farm Encompass
Arizona $121.70 $156.25
California $186.89 -
Connecticut $152.96 $445.10
Florida $148.93 -
Georgia $123.19 $207.61
Michigan $231.56 $307.01
Nevada $141.19 $432.75
New Jersey $172.76 $286.79
New York $188.23 $300.34
Oregon $105.56 $304.36
Pennsylvania $90.11 $222.20
Texas $109.44 $229.87
Washington $115.69 $270.91

State Farm 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 State Farm and Encompass typically charge for drivers who have more than 1 vehicle.

Number of Vehicles State Farm Encompass
1 Vehicle $183.53 $294.54
2 Vehicles $244.53 $352.00

State Farm 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 State Farm charges $179.96 per month and Encompass charges $284.41 per month for customers who own their home.

Own/Rent State Farm Encompass
Own $179.96 $284.41
Rent $192.08 $303.81

What is State Farm and Encompass Insurance Rating?

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

ComparisonState FarmEncompass
Year Founded19221897
Market Share10.1%
A.M. Best RatingA+
BBB RatingNRA+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Moody’s RatingA
NAIC Complaint Index2.58
NAIC Complaint Ratio0.42
S&P RatingAA

State Farm or Encompass: Insurance Products Offered

What coverage is available through State Farm and Encompass? Both insurance companies offer Auto, Commercial, Home, and RV insurance. Additional products from State Farm insurance also includes Condo, Health, Life, Motorcycle, 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 State Farm and Encompass Insurance page.

InsuranceState FarmEncompass
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

State Farm or Encompass: Ways To Save

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

State FarmEncompass
Accident-Free DiscountAnti-lock Brake Discount
Anti-theft DiscountAnti-theft Device Discount
Defensive Driving DiscountDefensive Driver Discount
Good Driving DiscountDriver Training Credit
Multiple Auto DiscountDriver Training Discount
Multiple Line DiscountEncompass Easy Pay
Passive Restraint DiscountFuture Effective Date
Safe Driver DiscountsGood Payer Discount
Student Away at School DiscountGood Student Discount
Vehicle Safety DiscountHomeowners Discount
New Car Discount
Passive Restraint System Discount
Resident Student Discount
Safe Driving Bonus

Pros & Cons of State Farm & Encompass

Pros

State Farm
  • State Farm is the largest auto insurer in the U.S and offers insurance in all states.
  • There are more than 19,000 captive agents across the country so it’s easy to find an agent in your area.
  • State Farm offers a range of insurance packages and is the #1 insurer for watercraft.
  • The State Farm app is an award-winning tool for managing your insurance and bank account.
Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals

Cons

State Farm
  • State Farm does not offer accident forgiveness options.
Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount

State Farm or Encompass Mobile Apps Options

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

State Farm Mobile App
iOS     4.815K user reviews
Android     4.116K user reviews
Encompass Mobile App
Encompass does not have mobile apps for insurance products.

State Farm & Encompass Contact Info

State Farm Contact Info
AddressOne State Farm Plaza, Bloomington, IL 61710
Phone1-800-732-5246
Websitehttps://www.statefarm.com
Facebookhttps://www.facebook.com/statefarm
Twitterhttps://twitter.com/statefarm
Youtubehttps://www.youtube.com/statefarm
Linkedinhttps://www.linkedin.com/company/state_farm/
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/

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.

Answer a few questions and let Penny find the best rates in your area.