Which insurance company is right for you? Compare cost, insights and quotes from Alfa and Encova.
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 the average rates that drivers typically pay with ALFA and Motorists Mutual. On average, ALFA charges approximately $184.64 per month while Motorists Mutual comes in at around $173.98 per month. For ALFA, the cheapest state average is Virginia at $120.72 per month and the most expensive is Georgia at $210.09 per month. For Motorists Mutual, the cheapest state average is Ohio at $104.94 per month and the most expensive is Pennsylvania at $294.64 per month.
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|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average ALFA charges $172.67 per month and Motorists Mutual charges $179.75 per month for customers who own their home.
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!
|Year Founded||1946||1928 (Motorists Insurance Group)|
|A.M. Best Rating||A||A-|
|NAIC Complaint Ratio||0.82||0.18|
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.
|Commercial Auto Insurance||✔||✔|
|Cyber Liability Insurance||✔||✔|
|Flexible Universal Life||✔||✔|
|Manufactured Home Insurance||✔|
|Permanent Life Insurance||✔||✔|
|Personal Valuables Insurance||✔||✔|
|Recreational Vehicles Insurance||✔|
|Term Life Insurance||✔||✔|
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!
|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|
|Smoke Alarm Discount|
|Youth Defensive Driver Test|
|Youth Safety Test|
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 Contact Info|
|Address||P.O. Box 11000, Montgomery, AL 36191-0001|
|Encova Contact Info|
|Address||471 E. Broad St. Columbus, OH 43215|
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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