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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 Insurance Co vs Motorists Mutual
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?
Below is a list of the average rates that drivers typically pay with Donegal Mutual Insurance Co and Motorists Mutual. On average, Donegal Mutual Insurance Co charges approximately $230.51 per month while Motorists Mutual comes in at around $169.55 per month. For Donegal Mutual Insurance Co, the cheapest state average is Virginia at $190.28 per month and the most expensive is Maryland at $275.48 per month. For Motorists Mutual, the cheapest state average is Ohio at $109.29 per month and the most expensive is Pennsylvania at $333.35 per month.
Average Rate
Average Rate
Average Rate
| State | Donegal Mutual Insurance Co | Motorists Mutual |
|---|---|---|
| Indiana | - | $159.64 |
| Kentucky | - | $143.26 |
| Maryland | $275.48 | - |
| Michigan | $231.84 | - |
| Ohio | - | $109.29 |
| Pennsylvania | $195.87 | $333.35 |
| Virginia | $190.28 | - |
| West Virginia | - | $328.18 |
Donegal Mutual Insurance Co 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 Donegal Mutual Insurance Co and Motorists Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Donegal Mutual Insurance Co | Motorists Mutual |
|---|---|---|
| 1 Vehicle | $227.00 | $168.28 |
| 2 Vehicles | $328.84 | $ |
Donegal Mutual Insurance Co 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 Donegal Mutual Insurance Co charges $247.79 per month and Motorists Mutual charges $192.15 per month for customers who own their home.
| Own/Rent | Donegal Mutual Insurance Co | Motorists Mutual |
|---|---|---|
| Own | $247.79 | $192.15 |
| Rent | $227.88 | $167.36 |
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.
| Comparison | Donegal Mutual | Encova |
|---|---|---|
| Year Founded | 1889 | 1928 (Motorists Insurance Group) |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 4.09 | |
| NAIC Complaint Ratio | 0.18 | |
| S&P Rating | A |
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.
| Insurance | Donegal Mutual | Encova |
|---|---|---|
| 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 Mutual | Encova |
|---|---|
| Carpool Discount | Anti-Theft Devices Discount |
| Driver’s Education Course Discount | Driver Training Discount |
| Extra Edge Discounts for Superior Drivers | EFT Discount |
| First Accident Forgiveness Program | Empty Nester Discount |
| Good Student Discount | Excellent Driving Record Discount |
| High Chargeable Accident Thresholds Discount | Good Student Discount |
| Home and Auto Bundle Discount | Long-Time Customer Discount |
| Multi-policy Discount | Married Professional Discount |
| Safety Features Discount | Multi-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 | |
|---|---|
| Address | 1195 River Rd, Marietta, PA 17547 |
| Phone | 1-800-877-0600 |
| Website | https://www.donegalgroup.com/home |
| https://www.facebook.com/DonegalGroup/ | |
| https://twitter.com/Donegal_Ins | |
| Youtube | https://www.youtube.com/channel |
| https://www.linkedin.com/company/donegal-mutual-insurance-inc/about/ | |
| 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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