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Encompass vs. Farmers Insurance
Which insurance carrier is right for you? Compare pros & cons, discounts, and quotes from Encompass and Farmers.
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Encompass vs. Farmers: 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.
Farmers Insurance began selling insurance a year before the Great Depression and survived to become a household name. Founders John C. Tyler and Thomas E. Leavey started off by going farm to farm to gain their first policies. They specifically lowered rates for farmers and ranchers because they understood that these occupations posed fewer risks with their vehicles. By 1928, they were able to open an office in downtown Los Angeles. During the Great Depression, Farmers was one of the few companies that were able to pay claims. When a devastating earthquake hit Los Angeles, Farmers paid out claims for damaged cars and became the first insurance company to offer comprehensive insurance.
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 Farmers Overview.
Encompass vs. Farmers: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Encompass and Farmers. On average, Encompass charges approximately $300.44 per month while Farmers comes in at around $265.80 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 Farmers, the cheapest state average is Tennessee at $133.26 per month and the most expensive is Michigan at $384.04 per month.
Average Rate
Average Rate
Average Rate
| State | Encompass | Farmers |
|---|---|---|
| Arizona | $159.89 | $236.11 |
| California | - | $186.91 |
| Georgia | $226.02 | - |
| Illinois | $122.38 | $168.43 |
| Michigan | $311.02 | $384.04 |
| Nevada | $532.58 | $336.18 |
| New Jersey | $269.66 | - |
| New York | $329.57 | - |
| Pennsylvania | $251.41 | - |
| Tennessee | $171.47 | $133.26 |
| Texas | $215.34 | - |
| Washington | $271.20 | $173.24 |
Encompass vs. Farmers: 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 Farmers typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Encompass | Farmers |
|---|---|---|
| 1 Vehicle | $290.23 | $246.83 |
| 2 Vehicles | $414.02 | $492.35 |
Encompass vs. Farmers: 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 Farmers charges $301.95 per month for customers who own their home.
| Own/Rent | Encompass | Farmers |
|---|---|---|
| Own | $296.26 | $301.95 |
| Rent | $301.60 | $258.90 |
What is Encompass and Farmers Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encompass and Farmers ranked among the industry ratings.
| Comparison | Encompass | Farmers |
|---|---|---|
| Year Founded | 1897 | 1928 |
| Market Share | 3% | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | |
| Moody’s Rating | A2 | |
| NAIC Complaint Index | 0.42 | 0.8 |
| S&P Rating | A |
Encompass or Farmers: Insurance Products Offered
What coverage is available through Encompass and Farmers? Both insurance companies offer Auto, Commercial, Home, RV, and Umbrella Insurance. Additional products from Farmers insurance also includes Life and Motorcycle 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 Farmers Insurance page.
| Insurance | Encompass | Farmers |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ | ✔ |
Encompass or Farmers: Ways To Save
Farmers offers a wide range of discounts to its policyholders, including Distant Student, Electronic Funds Transfer (EFT), and Good Student discounts. Encompass also offers a few discounts that Farmers doesn’t including Safe Driving Bonus, Resident Student, and Passive Restraint System discounts. Start taking advantage of discounts offered by insurance providers like Farmers and Encompass insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encompass | Farmers |
|---|---|
| Anti-lock Brake Discount | Alternative Fuel Discount |
| Anti-theft Device Discount | Distant Student |
| Defensive Driver Discount | Electronic Funds Transfer (EFT) Discount |
| Driver Training Credit | Good Student |
| Driver Training Discount | Homeowner Discount |
| Encompass Easy Pay | Multi-Car Discount |
| Future Effective Date | Multi-policy Discount |
| Good Payer Discount | Occupational Discount |
| Good Student Discount | Pay-in-Full Discount |
| Homeowners Discount | Teen Driver Discount |
| New Car Discount | Transfer Discount |
| Passive Restraint System Discount | |
| Resident Student Discount | |
| Safe Driving Bonus |
Pros & Cons of Encompass & Farmers
Pros
Encompass
- Great customer service and low complaint ratio.
- New Car Replacement and Accident Forgiveness (and Extended Accident Forgiveness)
- Great bundle deals
Farmers
- Financial strength
- Great employee education and customer service.
Cons
Encompass
- There’s no minimal coverage for standalone homeowners insurance
- No mature driver discount
Farmers
Encompass or Farmers Mobile Apps Options
Encompass only offers a Roadside Assistance app for iOS and Android. It has not been rated.
The Farmers app is available for iOS and Android. The Farmers Mobile App allows you access to self-service features.
| Farmers Mobile App | ||
|---|---|---|
| iOS | 4.8 | 3K user reviews |
| Android | 4 | 3K user reviews |
Encompass & Farmers 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/ | |
| Farmers Contact Info | |
|---|---|
| Address | 6301 Owensmouth Avenue, Woodland Hills, CA 91367 |
| Phone | 1 (800) 974-6755 |
| Website | https://www.Farmers.com |
| https://www.facebook.com/FarmersInsurance/ | |
| https://twitter.com/WeAreFarmers | |
| Youtube | https://www.youtube.com/farmersinsurance |
| https://www.linkedin.com/company/farmers-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.
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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