AAA vs. Encova Insurance

Which insurance carrier is right for you? Compare insights, plans, and quotes from AAA and Encova.

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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 $309.96 per month while Motorists Mutual comes in at around $194.79 per month. For Auto Club Group, the cheapest state average is Wisconsin at $123.36 per month and the most expensive is Michigan at $384.79 per month. For Motorists Mutual, the cheapest state average is Ohio at $112.92 per month and the most expensive is Pennsylvania at $338.70 per month.

Auto Club Group

Average Rate

$309.96
Motorists Mutual

Average Rate

$194.79
National

Average Rate

$120.03
State Auto Club Group Motorists Mutual
Illinois $302.73 -
Indiana- $130.22
Kentucky- $151.25
Michigan $384.79 -
Minnesota $210.85 -
Nebraska $160.31 -
Ohio- $112.92
Pennsylvania- $338.70
West Virginia- $208.68
Wisconsin $123.36 -

Auto Club Group vs. Motorists Mutual: 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 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 $297.63 $184.01
2 Vehicles $351.46 $240.84
3 Vehicles $566.42 $

Auto Club Group vs. Motorists Mutual: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto Club Group charges $300.43 per month and Motorists Mutual charges $188.95 per month for customers who own their home.

Own/Rent Auto Club Group Motorists Mutual
Own $300.43 $188.95
Rent $315.24 $197.31

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 A- (Excellent) rating with A.M. Best. In addition, AAA insurance retains an "A+" rating for Better Business Bureau® (BBB) and Standard & Poor's (S&P). 

ComparisonAAAEncova
Year Founded19021928 (Motorists Insurance Group)
A.M. Best RatingA-A-
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.530.18
S&P RatingA+

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.

AAAEncova
Good Driver DiscountAnti-Theft Device Discount
Good Student DiscountDriver Training Discount
Loyalty DiscountEFT Discount
Multi-policy DiscountEmpty Nester Discount
Multi-vehicle DiscountExcellent Driving Record Discount
Verified Mileage DiscountGood 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     4.66.4K user reviews
Android     4.34,061 user reviews
Encova Mobile App
Encova does not currently have a mobile app.

AAA & Encova Contact Info

AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US
Phone1-877-387-8378
Websitehttps://www.aaa.com/
Facebookhttps://www.facebook.com/AAAFanPage/
Youtubehttps://www.youtube.com/user/AAA
Twitterhttps://twitter.com/AAA4lyfe
Linkedinhttps://www.linkedin.com/company/aaa/
Encova Contact Info
Address471 E. Broad St. Columbus, OH 43215
Phone1-800-876-6642
Websitehttps://www.encova.com/
Facebookhttps://www.facebook.com/MotoristsInsuranceGroup
Linkedinhttps://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.

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