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AAA vs. Encova Insurance
Which insurance carrier is right for you? Compare insights, plans, and quotes from AAA and Encova.
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- Auto Club Group vs Motorists Mutual
AAA vs. Encova: What You Need to Know
On March 4, 1902, nine automobile clubs formed the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.
Encova Insurance Company was formed when two companies, Motorists Insurance Group and Brickstreet, merged and rebranded as one company in 2019. With combined insights from decades of industry experience, Motorists Insurance Group and BrickStreet together sell auto, commercial, home, and life insurance products and promote innovation for their agents and policyholders.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Auto Club Group Overview and Encova Overview.
Auto Club Group vs. Motorists Mutual: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Auto Club Group and Motorists Mutual. On average, Auto Club Group charges approximately $272.88 per month while Motorists Mutual comes in at around $181.48 per month. For Auto Club Group, the cheapest state average is Wisconsin at $188.69 per month and the most expensive is Michigan at $444.91 per month. For Motorists Mutual, the cheapest state average is Ohio at $109.90 per month and the most expensive is Pennsylvania at $390.54 per month.
Average Rate
Average Rate
Average Rate
| State | Auto Club Group | Motorists Mutual |
|---|---|---|
| Illinois | $242.96 | - |
| Indiana | - | $159.30 |
| Kentucky | - | $162.62 |
| Michigan | $444.91 | - |
| Minnesota | $306.02 | - |
| Ohio | - | $109.90 |
| Pennsylvania | - | $390.54 |
| West Virginia | - | $291.44 |
| Wisconsin | $188.69 | - |
Auto Club Group vs. Motorists Mutual: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Auto Club Group and Motorists Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Auto Club Group | Motorists Mutual |
|---|---|---|
| 1 Vehicle | $269.31 | $181.23 |
| 2 Vehicles | $412.09 | $ |
Auto Club Group vs. Motorists Mutual: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto Club Group charges $261.39 per month and Motorists Mutual charges $182.72 per month for customers who own their home.
| Own/Rent | Auto Club Group | Motorists Mutual |
|---|---|---|
| Own | $261.39 | $182.72 |
| Rent | $274.23 | $181.38 |
What Are AAA and Encova Insurance's Ratings?
It's a smart idea to get quotes from both companies to see how they compare. One area to look for when comparison shopping is the financial stability of insurance company. Getting an in-depth look at AAA and Encova, both show a positive review with their financial strength by establishing an Excellent) rating. In addition, AAA insurance retains an "A+" rating for Better Business Bureau® (BBB) and Standard & Poor's (S&P).
| Comparison | AAA | Encova |
|---|---|---|
| Year Founded | 1902 | 1928 (Motorists Insurance Group) |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.53 | 0.18 |
| S&P Rating | A+ |
AAA or Encova: Insurance Products Offered
AAA and Encova Insurance companies have multiple insurance coverage for your Auto, Home, and Life. Encova offers a few additional coverages that AAA does not like Recreational Vehicles, ATV, or Snowmobile. Whereas AAA offers insurance products on Boats & Watercraft, Collector Car Insurance, and Mexico Auto Insurance. Request a free rate quotes from top carrier today!
| Insurance | AAA | Encova |
|---|---|---|
| ATV Insurance | ✔ | ✔ |
| Auto Insurance | ✔ | ✔ |
| Boat & Watercraft | ✔ | |
| Commercial Auto Insurance | ✔ | ✔ |
| Commercial Property | ✔ | |
| Condo Insurance | ✔ | ✔ |
| Cyber Liability Insurance | ✔ | ✔ |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Personal Umbrella | ✔ | ✔ |
| Personal Valuables Insurance | ✔ | ✔ |
| Recreational Vehicles Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| Small Business | ✔ | ✔ |
AAA or Encova: Ways to Save
Maximize your savings by opting for advertised discounts offered by AAA or Encova Insurance. Do you have more than one vehicle? AAA offers a Multi-Vehicle Discount with savings of up to 27%. However, Encova offers additional discounts for drivers including Anti-Theft Device Discounts, Excellent Driving Record Discounts, and Driver Training Discounts. Keep in mind that some eligibility criteria, availability, or amount of these discounts varies on a state-to-state basis.
| AAA | Encova |
|---|---|
| Good Driver Discount | Anti-Theft Device Discount |
| Good Student Discount | Driver Training Discount |
| Loyalty Discount | EFT Discount |
| Multi-policy Discount | Empty Nester Discount |
| Multi-vehicle Discount | Excellent Driving Record Discount |
| Verified Mileage Discount | Good Student Discount |
| Long-Time Customer Discount | |
| Married Professional Discount | |
| Multi-policy Discount |
Pros & Cons of AAA & Encova
Pros
AAA
- With a membership with AAA means discounts and services like identity theft.
- Membership can be valuable for frequent travelers.
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Financial stability is rated A- (Excellent) by A.M. Best.
- It offers competitive rates.
Cons
AAA
- The annual fee for membership.
- Membership required to buy car insurance.
Encova
- Encova doesn’t have a mobile app.
AAA or Encova Mobile Apps Options
The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.
| AAA Mobile App | ||
|---|---|---|
| iOS | 4.6 | 6.4K user reviews |
| Android | 4.3 | 4,061 user reviews |
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
AAA & Encova Contact Info
| AAA Contact Info | |
|---|---|
| Address | 1225 Freeport Pkwy, Coppell, TX 75019, US |
| Phone | 1-877-387-8378 |
| Website | https://www.aaa.com/ |
| https://www.facebook.com/AAAFanPage/ | |
| Youtube | https://www.youtube.com/user/AAA |
| https://twitter.com/AAA4lyfe | |
| https://www.linkedin.com/company/aaa/ | |
| Encova Contact Info | |
|---|---|
| Address | 471 E. Broad St. Columbus, OH 43215 |
| Phone | 1-800-876-6642 |
| Website | https://www.encova.com/ |
| https://www.facebook.com/MotoristsInsuranceGroup | |
| https://www.linkedin.com/company/encova/ | |
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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