Which insurance carrier is right for you? Compare premiums, coverage, and quotes from USAA and Encompass.
USAA is an organization founded by military members for military members and their families. USAA was founded in the 1920s, during a time of social and political change. In San Antonio, Texas, 25 army officers met to insure each other’s vehicles and named William Garrison as the first president. This tiny group of men would later turn into one of the largest insurance companies, serving millions of members and becoming a fully integrated financial services organization. In 1923, the group expanded membership to include Navy and Marine Corp officers. In the 1930, membership grew despite the financial crisis, called the Great Depression, and several natural disasters that only exasperated an already desperate situation. By 1931 membership doubled from 15,000 to 30,000. The first annual report to members was published in 1932, and it highlighted financial success and commitment to the organization’s members. During World War II, USAA automatically renewed auto insurance policies, making things a little easier for those who were deployed abroad. In 1946, the organization became an industry leader in technology with its new automated office machines. In 1948, membership was opened to Air Force officers after the National Security Act of 1947 created the department. In 1952, USAA opened an office in Frankfurt, Germany, the first office outside of Texas. In 1961, USAA changed its bylaws so that officers no longer lose their membership after resigning from service. In 1962, they opened an office in London, England. In 1969, USAA formed their first disaster response team which is stationed in the Gulf Coast tending to members impacted by Hurricane Camille.In 1973 USAA opened offices in Tampa, Colorado Springs and San Diego and established their headquarters in San Antonio. In 1978, they began offering toll-free phone service to members. In 1983, the USAA Federal Savings Bank opened its doors and in the same year USAA Volunteer Corps was created to help with employee volunteerism in their communities. In 1990, the USAA Educational Foundation was set up to help consumers get free information on financial management, safety concerns and more. In 1991, USAA began offering roadside assistance and travel benefits. In 1991, they made electronic funds transfers available to members and in 1996 they formed the USAA Ethics Office as a commitment to ethical business conduct. In 1996, they began accepting enlisted as members. By 1999, members could conduct business online. In 2001 USAA provided special deployment assistance for the fight on terrorism. In 2006, they began offering ATM reimbursement and allowing members to deposit checks from home. In 2008, USAA expands eligibility requirements to include military retirees as well as the spouses and children of members. In 2009, all men and women who serve in the U.S. military and their families became eligible for membership. That same year, USAA became a sponsor of the Army-Navy Football Game and launched their mobile app. In 2010, USAA opened financial centers throughout the country while partnering with hundreds of UPS stores to service members. In 2011, USAA became the official Military Appreciation Sponsor of the National Football League. In 2016, they were the first bank to offer mobile app check deposit for visually impaired members. By 2017, USAA had 12 million members and a net worth of $31 billion.
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 USAA Overview and Encompass Overview.
Below is a list of the average rates that drivers typically pay with USAA and Encompass. On average, USAA charges approximately $117.75 per month while Encompass comes in at around $286.98 per month. For USAA, the cheapest state average is Maine at $67.13 per month and the most expensive is Nevada at $175.88 per month. For Encompass, the cheapest state average is Ohio at $123.89 per month and the most expensive is Minnesota at $656.41 per month.
|District of Columbia||$116.60||-|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that USAA and Encompass typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||USAA||Encompass|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average USAA charges $117.96 per month and Encompass charges $288.26 per month for customers who own their home.
Which car insurance company is better? We've made it easy to compare companies side by side. See how USAA and Encompass ranked among the industry ratings.
|JD Power Ranking||Among the best|
|NAIC Complaint Index||1.01||0.42|
What coverage is available through USAA and Encompass? Both insurance companies offer Auto, Commercial, Farm, Home, RV, and Umbrella Insurance. Additional products from USAA insurance also includes Condo, Health, Life, Motorcycle, Pet, 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 USAA and Encompass Insurance page.
USAA offers a wide range of discounts to its policyholders, including Automatic Payments, Defensive Driving Course, and Discount for Driving Research (telematics) discounts. Encompass also offers a few discounts that USAA 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 USAA insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Annual Mileage||Anti-lock Brake Discount|
|Automatic Payments Discount||Anti-theft Device Discount|
|Defensive Driving Course Discount||Defensive Driver Discount|
|Discount for Driving Research (telematics)||Driver Training Credit|
|Driver Training Course Discount||Driver Training Discount|
|Family Discount||Encompass Easy Pay|
|Good Student Discount||Future Effective Date|
|Military Installation||Good Payer Discount|
|Multi-policy Discount||Good Student Discount|
|New Vehicle Discount||Homeowners Discount|
|Premier Driver Discount||New Car Discount|
|Passive Restraint System Discount|
|Resident Student Discount|
|Safe Driving Bonus|
The USAA Mobile app is available for iOS and android. It gives users convenient and secure access to their accounts to manage finances, investments, insurance and more. Encompass only offers a Roadside Assistance app for iOS and Android. It has not been rated.
|USAA Mobile App|
|iOS||4.8||432K user reviews|
|Android||4.6||125K user reviews|
|Encompass Mobile App|
|Automobile Insurance||Homeowners Insurance|
|Umbrella Insurance||Dwelling Fire Insurance|
|USAA Contact Info|
|Address||9800 Fredericksburg Rd., San Antonio, TX 78288|
|Encompass Contact Info|
|Address||2775 Sanders Road, Northbrook, IL 60062|
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.
Answer a few questions and let Penny find the best rates in your area.