USAA vs. Encompass Insurance

Which insurance carrier is right for you? Compare premiums, coverage, and quotes from USAA and Encompass.

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USAA vs. Encompass: What You Need to Know

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.

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

Below is a list of the average rates that drivers typically pay with USAA and Encompass. On average, USAA charges approximately $121.07 per month while Encompass comes in at around $360.90 per month. For USAA, the cheapest state average is Maine at $54.03 per month and the most expensive is New York at $202.07 per month. For Encompass, the cheapest state average is New Hampshire at $114.90 per month and the most expensive is Michigan at $870.33 per month.

USAA

Average Rate

$121.07
Encompass

Average Rate

$360.90
National

Average Rate

$120.30
State USAA Encompass
Alabama $113.66 -
Alaska $89.05 -
Arizona $108.00 $197.07
Arkansas $75.54 -
California $162.21 -
Colorado $98.69 $402.52
Connecticut $116.89 $426.72
Delaware $74.98 $278.81
District of Columbia $82.85 -
Georgia $125.64 $235.60
Hawaii $84.92 -
Idaho $56.78 -
Illinois $113.44 $152.08
Indiana $65.53 -
Iowa $71.34 -
Kansas $88.22 $440.07
Kentucky $101.40 $773.85
Louisiana $156.91 $404.02
Maine $54.03 -
Maryland $135.74 $355.13
Massachusetts $119.25 $242.65
Michigan $128.41 $870.33
Minnesota $98.82 $622.98
Mississippi $80.17 -
Missouri $68.13 $195.87
Montana $77.99 -
Nebraska $87.67 -
Nevada $130.83 $458.63
New Hampshire- $114.90
New Jersey- $310.21
New Mexico $90.42 $381.62
New York $202.07 $514.62
North Carolina- $142.74
North Dakota $61.70 -
Ohio $67.00 $129.72
Oklahoma $111.78 -
Oregon $81.49 $187.25
Pennsylvania $92.91 $296.45
Rhode Island $120.53 $410.07
South Carolina $99.66 $236.84
Tennessee $83.86 $186.43
Texas $121.89 $211.20
Utah $81.24 $514.25
Virginia $88.24 $205.51
Washington $79.59 $236.02
West Virginia- $226.45
Wisconsin $59.84 $161.61
Wyoming $101.22 -

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

Number of Vehicles USAA Encompass
1 Vehicle $111.05 $344.74
2 Vehicles $159.93 $424.18
3 Vehicles $228.73 $692.68
4 Vehicles $268.37 $1,229.20

USAA 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 USAA charges $119.04 per month and Encompass charges $339.10 per month for customers who own their home.

Own/Rent USAA Encompass
Own $119.04 $339.10
Rent $121.91 $370.11

What is USAA and Encompass Insurance Rating?

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.

Comparison USAA Encompass
Year Founded 1922 1897
A.M. Best A++ A+
BBB Rating B- A+
Financial Strength Excellent Excellent
JD Power Ranking Among the best
NAIC Complaint Index 1.01 0.42
S&P Rating AA+

USAA or Encompass: Insurance Products Offered

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.

Insurance USAA Encompass
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

USAA or Encompass: Ways To Save

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.

USAAEncompass
Annual MileageAnti-lock Brake Discount
Automatic Payments DiscountAnti-theft Device Discount
Defensive Driving Course DiscountDefensive Driver Discount
Discount for Driving Research (telematics)Driver Training Credit
Driver Training Course DiscountDriver Training Discount
Family DiscountEncompass Easy Pay
Good Student DiscountFuture Effective Date
Military InstallationGood Payer Discount
Multi-policy DiscountGood Student Discount
New Vehicle DiscountHomeowners Discount
Premier Driver DiscountNew Car Discount
Passive Restraint System Discount
Resident Student Discount
Safe Driving Bonus

Pros & Cons of USAA & Encompass

Pros

USAA
  • USAA offers financial literacy classes to its members as well as retirement planning.
  • The USAA app is easy to use and very helpful for managing your account.
Encompass
  • Great customer service and low complaint ratio.
  • New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
  • Great bundle deals

Cons

USAA
  • USAA mainly offers coverage to military members and their families.
Encompass
  • There’s no minimal coverage for standalone homeowners insurance
  • No mature driver discount

USAA or Encompass Mobile Apps Options

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     4.8432K user reviews
Android     4.6125K user reviews
Encompass Mobile App
Automobile Insurance     Homeowners Insurance
Umbrella Insurance     Dwelling Fire Insurance

USAA & Encompass Contact Info

USAA Contact Info
Address 9800 Fredericksburg Rd., San Antonio, TX 78288
Phone 1-800-531-8722
Website https://www.usaa.com/
Facebook https://www.facebook.com/USAA/
Twitter https://twitter.com/USAA
Youtube https://www.youtube.com/channel
Linkedin https://www.linkedin.com/company/usaa/
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.

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