See our Products
Your car is an important part of your daily life. So you need an insurance policy that can keep up. Encompass offers auto policies designed for wherever the road leads.
Our auto coverage offers:
Covers injuries caused by an accident in which the insured driver is legally liable.
Covers damage to property caused by an accident in which the insured driver is legally liable.
Pays for damage to your vehicle or trailer if you collide with another car or something else like a building, bridge or tree—or if someone else hits your parked car.
Protects insured vehicles or trailers damaged by events other than collisions, like theft, fire or hail.
Covers an insured’s bodily injury from an accident in which the other driver involved is at fault and doesn’t have adequate insurance.
Covers an insured’s bodily injury from an accident in which the other driver involved is at fault and doesn’t have insurance.
Can help pay for some medical costs or funeral expenses if you or anyone in or on your vehicle is injured in a covered accident.
Pays the death benefit if an insured person dies from injury caused by a covered accident.
Helps fill gaps between a ride-sharing company's commercial policy and your personal auto insurance policy.
Starting the day you sign up, your rates won't go up just because of an accident and you're protected even if it was your fault.
Covers the replacement of an insured vehicle, in the event of a total covered loss, with a current model year, if possible, or a new car of similar make and model for vehicles up to 2 years old. Vehicles that are 3 to 15 years old may be replaced with a newer car (within 20,000 miles) of similar make and model. Also includes loan/lease gap coverage.1
Covers towing, battery, tire and lockout assistance.
Helps pay for daily car rental, ride-sharing expenses or public transit passes while your vehicle is disabled.
No deductible if you have a glass only claim (rock hits your windshield, etc.).
Covers the replacement of your car parts with original manufactured equipment.
Covers daily cost of transportation, lodging and food expenses if your vehicle is disabled by a covered loss or by mechanical or electrical breakdown while on a trip away from home.
Helps pay for the loss to an audio or video system that is permanently installed in an automobile.
Adds coverage for the loss to portable electronics such as media players and phones when the loss occurs in (or on) a vehicle.
Adds protection for non-manufacturer custom equipment added to a covered vehicle such as rims, window tints and custom interiors.
Pays for damaged contents in a non-motorized travel trailer as a result of lightening or fire.
Includes increased weight limit for vehicles used on a farm, like trucks, and excludes actual farm vehicles, like tractors.
We help drivers save with numerous auto insurance discounts. Your Encompass Independent Agent can help identify what you are eligible for, such as:
Save when enrolled in the Connected Driver Program.
Applies if you purchase more than one policy with Encompass—earn the largest discount when you bundle home and auto.
Qualify for being free of chargeable accidents, major violations or minor violations for 60 months.
If the auto policy is paid in full on the date at which the policy is issued.
Applies to all vehicles if the insured owns a home, condominium, townhouse or mobile home.
Applies to a non-married driver (ages 21-24) who transitions from a parent’s Encompass policy that was in effect for at least 36 months.
Student drivers with a GPA of 3.0/B average or better qualify for this discount. The insured must present a certified statement from a school official at each anniversary date of the policy to qualify.
Applies to vehicles that were purchased new (not previously titled).
Applies to each youthful operator who is under 21, has successfully completed a driver's training course and has completed several hours of actual driving experience.
A student qualifies if he or she resides at a school, which is at least 100 miles from the insured's residence, and does not have a vehicle at school.
Automatically receive this discount until you are late on a payment.
You can save on your policy if it is quoted 7 or more days prior to the effective date.
Enjoy discounts just by using the Encompass Easy Pay® automatic payment feature.
Successfully completing an approved driving course within the past 36 months.
Discount applies to drivers that voluntarily complete a Motor Vehicle Accident Prevention course which meets their state’s criteria.
Applies to all vehicles if the insured has multiple cars, owns a home and has prior liability limits of 100/300 or 300,000 CSL.
Applies to private passenger vehicles and motorhomes equipped with factory installed two or four wheel Anti-Lock Braking Systems (ABS).
Applies to medical/personal injury protection (PIP) if air bags or a motorized automatic belt restraint system are factory installed.
There are different types of theft devices (passive, active special lock and VIN etching). A discount to comprehensive coverage applies, depending on the device.
Customers qualify when they insure their vehicle at full coverage as opposed to liability only or comprehensive only coverage.
Talk to an Encompass Independent Agent about customizing an Encompass auto insurance policy that's right for you and your family.
The coverages, features, and discounts on this website are not available in every state. Coverages, features and discounts subject to terms conditions, and qualifications. Policy exclusions may apply. Savings vary based on factors such as state and coverages selected. If you are a current customer, review your policy for coverage details. Otherwise, please contact an Encompass Insurance Independent Agent for availability and additional information.
1 Deductible applies. Refer to policy for details.
2 Only available in OK and TX
3 Only available in ID and GA. Additional qualifications may apply and vary by state.
4 Not available in TX and GA.
5 Available in TX and GA Only.