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Encompass vs. Allied Insurance
Which insurance company is right for you? Compare discounts, insights, and quotes from Encompass and Allied.
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Encompass vs. Allied: 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.
Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.
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 Allied Overview.
Encompass vs. Allied: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Encompass and Allied. On average, Encompass charges approximately $300.44 per month while Allied comes in at around $253.83 per month. For Encompass, the cheapest state average is Illinois at $122.38 per month and the most expensive is Nevada at $532.58 per month. For Allied, the cheapest state average is North Carolina at $108.76 per month and the most expensive is Michigan at $280.19 per month.
Average Rate
Average Rate
Average Rate
| State | Encompass | Allied |
|---|---|---|
| Arizona | $159.89 | $181.22 |
| California | - | $205.70 |
| Florida | - | $233.78 |
| Georgia | $226.02 | - |
| Illinois | $122.38 | - |
| Michigan | $311.02 | $280.19 |
| Nevada | $532.58 | $229.46 |
| New Jersey | $269.66 | - |
| New York | $329.57 | - |
| North Carolina | - | $108.76 |
| Pennsylvania | $251.41 | - |
| Tennessee | $171.47 | $130.86 |
| Texas | $215.34 | - |
| Washington | $271.20 | $143.38 |
Encompass vs. Allied: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Encompass and Allied typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Encompass | Allied |
|---|---|---|
| 1 Vehicle | $290.23 | $242.25 |
| 2 Vehicles | $414.02 | $391.51 |
Encompass vs. Allied: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Encompass charges $296.26 per month and Allied charges $246.56 per month for customers who own their home.
| Own/Rent | Encompass | Allied |
|---|---|---|
| Own | $296.26 | $246.56 |
| Rent | $301.60 | $256.03 |
What is Encompass and Allied Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encompass and Allied ranked among the industry ratings.
| Comparison | Encompass | Allied |
|---|---|---|
| Year Founded | 1897 | 1925 |
| Market Share | 2.7% | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | |
| Moody’s Rating | A1 | |
| NAIC Complaint Index | 0.42 | 0.38 |
| S&P Rating | A+ |
Encompass or Allied: Insurance Products Offered
What coverage is available through Encompass and Allied? Both insurance companies offer Auto, Commercial, Farm, Home, RV, and Umbrella Insurance. Additional products from Allied 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 Encompass and Allied Insurance page.
| Insurance | Encompass | Allied |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | ✔ |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ | ✔ |
Encompass or Allied: Ways To Save
Encompass offers a wide range of discounts to its policyholders, including Anti-theft Device, Defensive Driver, and Driver Training Credit discounts. Allied 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 Allied and Encompass insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encompass | Allied |
|---|---|
| Anti-lock Brake Discount | Accident Forgiveness |
| Anti-theft Device Discount | Accident-free Discount |
| Defensive Driver Discount | Advance Quote Discount |
| Driver Training Credit | Affinity Car Insurance Discounts |
| Driver Training Discount | Allied Rewards |
| Encompass Easy Pay | Anti-theft Discount |
| Future Effective Date | Defensive Driving Discount |
| Good Payer Discount | Easy Pay Discount |
| Good Student Discount | Farm Bureau Discount |
| Homeowners Discount | Good Student Discount |
| New Car Discount | Long-term Policyholder Discount |
| Passive Restraint System Discount | Minor Violation Forgiveness |
| Resident Student Discount | Multi-policy Discounts |
| Safe Driving Bonus | Nationwide Family Plan |
| New Vehicle | |
| Paperless Documents | |
| Passive Occupant Restraint Discount | |
| SmartRide Discount |
Pros & Cons of Encompass & Allied
Pros
Encompass
- Great customer service and low complaint ratio.
- New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
- Great bundle deals
Allied
- Up to 20% off when you bundle home, auto, life, and other policies.
- Minor violation forgiveness.
- Accident Forgiveness.
- Vanishing deductible.
Cons
Encompass
- There’s no minimal coverage for standalone homeowners insurance
- No mature driver discount
Allied
- High rates for people with an imperfect driving history.
- Credit check in most states.
Encompass or Allied Mobile Apps Options
The Allied Mobile App is the Nationwide Mobile App for Android, iPhone, and iPad. This app lets you access accounts using a fingerprint and facial login to a dashboard. 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.
| Allied Mobile App | ||
|---|---|---|
| iOS | 3.6 | 2,922 user reviews |
| Android | 4.3 | 1.4K user reviews |
Encompass & Allied Contact Info
| Encompass Contact Info | |
|---|---|
| Address | 2775 Sanders Road, Northbrook, IL 60062 |
| Phone | 1-800-342-5342 |
| Website | https://www.encompassinsurance.com/ |
| https://www.facebook.com/EncompassInsurance/ | |
| https://twitter.com/EncompassInsur1 | |
| Youtube | https://www.youtube.com/channel/UC4ijYmLNXkfG0TVFbfCwLSg |
| https://www.linkedin.com/company/encompass-insurance/ | |
| Allied Contact Info | |
|---|---|
| Address | 1100 Locust Street, Des Moines, IA 50391-1100 |
| Phone | 1 (800) 532-1436 |
| Website | https://www.alliedinsurance.com |
| https://www.facebook.com/pages/Nationwide-Insurance | |
| https://twitter.com/OnYourSide | |
| Youtube | https://www.youtube.com/channel/UClEv4hlTocZkc8tN96LWN_Q |
| https://www.linkedin.com/company/nationwide/ | |
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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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