Donegal Mutual vs. Encova Insurance

Which insurance provider is right for you? Compare rates, coverage, and quotes from Donegal Mutual and Encova.

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Donegal Mutual vs. Encova: What You Need to Know

Donegal Insurance Group has had a long story that began in Marietta, Pennsylvania, where some farmers banded together to provide mutual protection for their property and farms. In 1889, Donegal and Conoy Mutual Fire Insurance Company issued their first insurance policy to a local farmer for dwelling coverage. The company offered very few insurance products and serviced a small area. In 2017, the company merged with the Mountain States Mutual Casualty Company to market commercial products as the Mountain States Insurance Group in Colorado, New Mexico, Texas, and Utah.

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 Donegal Mutual Insurance Co Overview and Motorists Mutual Overview.

Donegal Mutual Insurance Co vs. Motorists Mutual: How much are the Average Rates?

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Donegal Mutual Insurance Co vs. Motorists Mutual: Rates by Number of Vehicle

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Donegal Mutual Insurance Co vs. Motorists Mutual: Rates by Homeownership

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What is Donegal Mutual and Encova Insurance Rating?

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

ComparisonDonegal MutualEncova
Year Founded18891928 (Motorists Insurance Group)
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Index4.09
NAIC Complaint Ratio0.18
S&P RatingA

Donegal Mutual or Encova: Insurance Products Offered

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

InsuranceDonegal MutualEncova
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance

Donegal Mutual or Encova: Ways To Save

Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. Donegal Mutual also offers a few discounts that Encova doesn’t including Safety Features, Home and Auto Bundle, and High Chargeable Accident Thresholds discounts. Start taking advantage of discounts offered by insurance providers like Encova and Donegal Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Donegal MutualEncova
Carpool DiscountAnti-Theft Devices Discount
Driver’s Education Course DiscountDriver Training Discount
Extra Edge Discounts for Superior DriversEFT Discount
First Accident Forgiveness ProgramEmpty Nester Discount
Good Student DiscountExcellent Driving Record Discount
High Chargeable Accident Thresholds DiscountGood Student Discount
Home and Auto Bundle DiscountLong-Time Customer Discount
Multi-policy DiscountMarried Professional Discount
Safety Features DiscountMulti-policy Discount

Pros & Cons of Donegal Mutual & Encova

Pros

Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.
Encova
  • Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
  • Offers competitive rates.

Cons

Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.
Encova
  • Encova doesn’t have a mobile app.

Donegal Mutual or Encova Mobile Apps Options


Donegal Mutual Mobile App
Donegal Mutual does not currently have a mobile app.
Encova Mobile App
Encova does not currently have a mobile app.

Donegal Mutual & Encova Contact Info

Donegal Mutual Contact Info
Address1195 River Rd, Marietta, PA 17547
Phone1-800-877-0600
Websitehttps://www.donegalgroup.com/home
Facebookhttps://www.facebook.com/DonegalGroup/
Twitterhttps://twitter.com/Donegal_Ins
Youtubehttps://www.youtube.com/channel
Linkedinhttps://www.linkedin.com/company/donegal-mutual-insurance-inc/about/
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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