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Alfa vs. Encova Insurance
Which insurance company is right for you? Compare cost, insights and quotes from Alfa and Encova.
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Alfa vs. Encova: What You Need to Know
In 1946 John Tucker Harris, President of the Lee County Farm Association and respected farmer in Alabama, founded Alfa as the product of the Alabama Farmers Federation. He wanted to offer superior fire insurance to federation members, who were mainly farmers. Today, Alfa is a much larger enterprise and offers more than just fire insurance. They offer coverages to over 1 million customers in 11 states: Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers. Alfa’s vision for the future is to focus on technology to enhance productivity and better serve customers. The company also plans to invest heavily in product and geographic expansion.
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 pushing 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 ALFA Overview and Motorists Mutual Overview.
ALFA vs. Motorists Mutual: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with ALFA and Motorists Mutual. On average, ALFA charges approximately $183.22 per month while Motorists Mutual comes in at around $213.93 per month. For ALFA, the cheapest state average is Virginia at $132.32 per month and the most expensive is Alabama at $384.60 per month. For Motorists Mutual, the cheapest state average is Ohio at $112.59 per month and the most expensive is Pennsylvania at $363.71 per month.
Average Rate
Average Rate
Average Rate
| State | ALFA | Motorists Mutual |
|---|---|---|
| Alabama | $384.60 | - |
| Arkansas | $184.47 | - |
| Georgia | $224.98 | - |
| Indiana | - | $161.00 |
| Kentucky | - | $176.96 |
| Mississippi | $243.36 | - |
| Ohio | - | $112.59 |
| Pennsylvania | - | $363.71 |
| Virginia | $132.32 | - |
| West Virginia | - | $263.65 |
ALFA 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 ALFA and Motorists Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | ALFA | Motorists Mutual |
|---|---|---|
| 1 Vehicle | $170.54 | $210.17 |
| 2 Vehicles | $264.57 | $247.00 |
ALFA 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 ALFA charges $197.95 per month and Motorists Mutual charges $216.27 per month for customers who own their home.
| Own/Rent | ALFA | Motorists Mutual |
|---|---|---|
| Own | $197.95 | $216.27 |
| Rent | $177.13 | $213.26 |
What Are Alfa and Encova Insurance's Ratings?
Encova was founded in 1928 (Motorist Insurance Group) followed by Afla insurance 18 years later. Alfa Insurance makes a great effort to satisfy consumers with ease in filing claims and getting claims paid. Both of their financial strength scores have the same Excellent rating. Let SmartFinancial help you find the right auto insurance. Compare car insurance quotes today!
| Comparison | Alfa | Encova |
|---|---|---|
| Year Founded | 1946 | 1928 (Motorists Insurance Group) |
| Market Share | 0.12% | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.82 | 0.18 |
Alfa or Encova: Insurance Products Offered
There are some similar insurance coverages Alfa and Encova offer to consumers including Auto, Life, and Renters insurance. Alfa Insurance offers extra coverage in Life insurance including Term, Permanent, and Flexible Universal. Get to know more about Alfa or Encova insurance options and save on insurance premiums.
| Insurance | Alfa | Encova |
|---|---|---|
| ATV Insurance | ✔ | |
| Auto Insurance | ✔ | ✔ |
| Business Coverage | ✔ | |
| Business Insurance | ✔ | ✔ |
| Church Insurance | ✔ | ✔ |
| Commercial Auto Insurance | ✔ | ✔ |
| Commercial Property | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Cyber Liability Insurance | ✔ | ✔ |
| Dental Insurance | ✔ | |
| Farm Coverage | ✔ | |
| Farm Insurance | ✔ | |
| Flexible Universal Life | ✔ | ✔ |
| Flood Insurance | ✔ | ✔ |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Manufactured Home Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Permanent Life Insurance | ✔ | ✔ |
| Personal Umbrella | ✔ | ✔ |
| Personal Valuables Insurance | ✔ | ✔ |
| Recreational Vehicles Insurance | ✔ | |
| Renters Insurance | ✔ | ✔ |
| Term Life Insurance | ✔ | ✔ |
| Watercraft Insurance | ✔ | ✔ |
Alfa or Encova: Ways to Save
Alfa and Encova insurance have a variety of insurance coverage. They have similar discounts on Multi-Policy for the policyholder who insures more than one product. Encova and Alfa Insurance have discounts that could save you hundreds of dollars in monthly insurance costs. Learn more about the savings they offer and see the difference. Lower your insurance premiums today!
| Alfa | Encova |
|---|---|
| Airbags Discount | Anti-Theft Device Discount |
| Burglar Alarm Discount | Driver Training Discount |
| Claims-free Discount | EFT Discount |
| Defensive Driver Discount | Empty Nester Discount |
| Driver Education | Excellent Driving Record Discount |
| Driver Training Discounts | Good Student Discount |
| Good Student Discount | Long-Time Customer Discount |
| Home and Auto Bundle Discount | Married Professional Discount |
| Homeowner Discount | Multi-Policy Discount |
| Multi-Car Discount | |
| Multi-policy Discount | |
| Smoke Alarm Discount | |
| Teacher Discount | |
| Youth Defensive Driver Test | |
| Youth Safety Test |
Pros & Cons of Alfa & Encova
Pros
Alfa
- Very low customer complaints.
- Excellent financial strength means reliability in getting claims paid.
- It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Financial stability
- It offers competitive rates.
Cons
Alfa
- Alfa Insurance is only available in Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers.
Encova
- Encova doesn’t have a mobile app.
Alfa or Encova Mobile Apps Options
Alfa2Go® Mobile App is available for iOS and Android. This mobile app provides you access to manage your policies, pay your bill, report a claim, view your ID card and take advantage of exclusive member benefits (Alabama only).
| Alfa Mobile App | ||
|---|---|---|
| iOS | 4.7 | 1.9 user reviews |
| Android | 3.7 | 251 user reviews |
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
Alfa & Encova Contact Info
| Alfa Contact Info | |
|---|---|
| Address | P.O. Box 11000, Montgomery, AL 36191-0001 |
| Phone | 1-800-964-2532 |
| Website | https://www.alfainsurance.com/ |
| https://www.facebook.com/AlfaInsurance | |
| Youtube | https://www.youtube.com/user/AlfaInsurance |
| https://twitter.com/Alfa_Insurance | |
| 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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