Electric vs. Encova (Motorists Insurance Group) Insurance

Electric vs. Encova: What You Need to Know

The history of Electric Insurance Company began in 1927, when EMLICO, its former company was established to provide GE (General Electric Company) with Workers’ Compensation insurance in Massachusetts. The company was doing so well that it started providing coverage nationally for GE and also included general liability and commercial auto in its product portfolio. By 1966, Electric Insurance Company was formed to ensure GE employees, but after a while, it expanded its business to all consumers. During the 1990s the company becomes one of the first P&C carriers to offer consumers web-based insurance quotes. Today, Electric Insurance manages approximately $160 million in personal lines premiums for nearly 135,000 policyholders and has about $450 million in total written premium. Its services are offered in all 50 states directly via mobile applications and the web and through independent agencies. Its consumer base is 60% of GE employees and 40% general customers.

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 Electric Overview and Motorists Mutual Overview.

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

Electric vs. Motorists Mutual: Rates by Number of Vehicle

Electric vs. Motorists Mutual: Rates by Homeownership

What is Electric and Encova Insurance Rating?

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

Electric or Encova: Insurance Products Offered

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

Electric or Encova: Ways To Save

Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. Electric also offers a few discounts that Encova doesn’t including Student-Away-from-Home, Safety Features, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Encova and Electric insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Electric or Encova Mobile Apps Options

The Always On Mobile app is available for iOS and Android. This mobile app can help you to view your auto insurance information, report an auto claim, upload photos of the vehicle damage, access 24 hours / 7 days a week emergency roadside assistance services, schedule glass repair and much more.

Encova does not currently have a mobile app.

Electric & Encova Contact Info

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.