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 $186.50 per month while Motorists Mutual comes in at around $178.31 per month. For ALFA, the cheapest state average is Virginia at $119.43 per month and the most expensive is Georgia at $214.16 per month. For Motorists Mutual, the cheapest state average is Ohio at $106.46 per month and the most expensive is Pennsylvania at $300.34 per month.

ALFA

Average Rate

$186.50
Motorists Mutual

Average Rate

$178.31
National

Average Rate

$117.77
State ALFA Motorists Mutual
Alabama $174.63 -
Arkansas $197.85 -
Georgia $214.16 -
Indiana- $128.80
Kentucky- $152.54
Mississippi $174.94 -
Ohio- $106.46
Pennsylvania- $300.34
Virginia $119.43 -
West Virginia- $207.31

ALFA 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 ALFA and Motorists Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles ALFA Motorists Mutual
1 Vehicle $171.08 $166.85
2 Vehicles $245.06 $226.87

ALFA 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 ALFA charges $176.44 per month and Motorists Mutual charges $182.31 per month for customers who own their home.

Own/Rent ALFA Motorists Mutual
Own $176.44 $182.31
Rent $192.28 $176.06

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. Encova and Alfa received an "A" rating from A.M. Best Rating. Both of their financial strength scores has the same Excellent rating. Let SmartFinancial help you find the right auto insurance. Compare car insurance quotes today!

ComparisonAlfaEncova
Year Founded19461928 (Motorists Insurance Group)
Market Share0.12%
A.M. Best RatingAA-
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.820.18

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 is rated A- (Excellent) by A.M. Best.
  • 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     4.71.9 user reviews
Android     3.7251 user reviews
Encova Mobile App
Encova does not currently have a mobile app.

Alfa & Encova Contact Info

Alfa Contact Info
AddressP.O. Box 11000, Montgomery, AL 36191-0001
Phone1-800-964-2532
Websitehttps://www.alfainsurance.com/
Facebookhttps://www.facebook.com/AlfaInsurance
Youtubehttps://www.youtube.com/user/AlfaInsurance
Twitterhttps://twitter.com/Alfa_Insurance
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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