Country vs. Encova Insurance

Which insurance provider is right for you? Compare ratings, products, and quotes from Country and Encova.

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Country vs. Encova: What You Need to Know

Country Financial is a group of US insurance and financial services companies available in 19 states in the U.S. Their history began in 1925, when a group of Agricultural Association members from Illinois formed a company, Country Mutual Insurance, selling fire and lightning insurance. In the following four years, new products were included in their portfolios, such as crop hail and farm insurance, auto, and life insurance. By 1953, Country Preferred Insurance Company was incorporated and in 1965 another company, Country Capital Management, was formed as a registered broker-dealer, allowing them to offer securities products, mutual funds, variable annuities, variable life insurance, and 529 College Savings Plans. In 1997, based on their principle of putting people first, the client service center became available 24 hours a day. The company adopted the name Country Financial in 2008, to better describe their vision of being “The Best Provider of Financial Security in America.” Country Life Insurance Company®, Country Mutual Insurance Company®, and its respective subsidiaries are located in Bloomington, IL. Today, Country Financial serves about one million households and businesses throughout the United States and offers a range of insurance and financial products, including auto, home, life, health, commercial, farm & ranch, and crop insurance, and retirement planning, education funding, annuities, and planning services.

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 Country Overview and Motorists Mutual Overview.

Country vs. Motorists Mutual: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Country and Motorists Mutual. On average, Country charges approximately $145.33 per month while Motorists Mutual comes in at around $178.31 per month. For Country, the cheapest state average is Illinois at $102.32 per month and the most expensive is Minnesota at $193.84 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.

Country

Average Rate

$145.33
Motorists Mutual

Average Rate

$178.31
National

Average Rate

$117.62
State Country Motorists Mutual
Alabama $110.86 -
Arizona $154.90 -
Georgia $165.20 -
Illinois $102.32 -
Indiana- $128.80
Kentucky- $152.54
Minnesota $193.84 -
Nevada $180.47 -
Ohio- $106.46
Oregon $104.04 -
Pennsylvania- $300.34
West Virginia- $207.31

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

Number of Vehicles Country Motorists Mutual
1 Vehicle $133.17 $166.85
2 Vehicles $188.29 $226.87

Country 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 Country charges $138.06 per month and Motorists Mutual charges $182.31 per month for customers who own their home.

Own/Rent Country Motorists Mutual
Own $138.06 $182.31
Rent $149.67 $176.06

What is Country and Encova Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Country and Encova ranked among the industry ratings.

ComparisonCountryEncova
Year Founded19251928 (Motorists Insurance Group)
Market Share0.49%
A.M. Best RatingA+ (Superior)A-
Financial StrengthExcellentExcellent
NAIC Complaint Index0.22
NAIC Complaint Ratio0.18

Country or Encova: Insurance Products Offered

What coverage is available through Country and Encova? Both insurance companies offer Auto, Commercial, Condo, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from Country insurance also includes Farm, Health, and Pet insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Country and Motorists Mutual Insurance page.

InsuranceCountryEncova
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance

Country or Encova: Ways To Save

Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. Country also offers a few discounts that Encova doesn’t including Occupation, Multi-car, and Legacy discounts. Start taking advantage of discounts offered by insurance providers like Encova and Country insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

CountryEncova
Advance Quote DiscountAnti-Theft Devices Discount
Anti-theft DiscountDriver Training Discount
College Graduate DiscountEFT Discount
Defensive Driver DiscountEmpty Nester Discount
Discounts for TeensExcellent Driving Record Discount
Engaged Couple DiscountGood Student Discount
Good Driver DiscountLong-Time Customer Discount
Good StudentMarried Professional Discount
Legacy DiscountMulti-policy Discount
Multi-car Discount
Multi-policy Discount
Occupation Discount

Pros & Cons of Country & Encova

Pros

Country
  • Variety of coverage options.
  • Flexible billing options.
  • Unique discounts, like being engaged, having certain occupations (full-time K–12 teachers, firefighters, police officers, EMTs or paramedics) and also for teen drives.
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.
  • Offers competitive rates.

Cons

Country
  • It doesn’t reward loyal customers.
Encova
  • Encova doesn’t have a mobile app.

Country or Encova Mobile Apps Options

The Country Financial Mobile app is available for android and iPhones and iPads. The app provides a dashboard where you can manage your bill, view the status of your claims, update the contact info, manage your notifications, obtain your policy documents and view your insurance card...

Country Mobile App
iOS     4.540 user reviews
Android     4.135 user reviews
Encova Mobile App
Encova does not currently have a mobile app.

Country & Encova Contact Info

Country Contact Info
Address1701 N Towanda Ave, Bloomington, IL 61701-2057
Phone1 (866) 268-6879
Websitehttps://www.countryfinancial.com
Facebookhttps://www.facebook.com/countryfinancial/
Youtubehttps://www.youtube.com/user/COUNTRYFinancial
Linkedinhttps://www.linkedin.com/company/country-financial-/
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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