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Encova (Motorists Insurance Group) vs. 21st Century Insurance
Which insurance carrier is right for you? Compare cost, coverage, and quotes from Encova and 21st Century.
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- Motorists Mutual vs 21st Century
Encova vs. 21st Century: What You Need to Know
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.
21st Century Insurance -- formerly 20th Century Insurance -- was founded in 1958 by Louis W. Foster and began offering auto insurance, mainly in California. The company was located in a one-room office in Los Angeles, California in the beginning and relocated to Woodland Hills, California before moving to Wilmington Delaware, where 21st Century Insurance is now headquartered. Today, 21st Century Insurance sells many lines of insurance, including specialty homeowners insurance, motorcycle insurance and more.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Motorists Mutual Overview and 21st Century Overview.
Motorists Mutual vs. 21st Century: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Motorists Mutual and 21st Century. On average, Motorists Mutual charges approximately $169.55 per month while 21st Century comes in at around $160.60 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. For 21st Century, the cheapest state average is California at $159.47 per month and the most expensive is Florida at $194.08 per month.
Average Rate
Average Rate
Average Rate
| State | Motorists Mutual | 21st Century |
|---|---|---|
| California | - | $159.47 |
| Florida | - | $194.08 |
| Indiana | $159.64 | - |
| Kentucky | $143.26 | - |
| Ohio | $109.29 | - |
| Pennsylvania | $333.35 | - |
| West Virginia | $328.18 | - |
Motorists Mutual vs. 21st Century: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Motorists Mutual and 21st Century typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Motorists Mutual | 21st Century |
|---|---|---|
| 1 Vehicle | $168.28 | $157.49 |
| 2 Vehicles | $ | $242.39 |
Motorists Mutual vs. 21st Century: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Motorists Mutual charges $192.15 per month and 21st Century charges $167.26 per month for customers who own their home.
| Own/Rent | Motorists Mutual | 21st Century |
|---|---|---|
| Own | $192.15 | $167.26 |
| Rent | $167.36 | $160.20 |
What is Encova and 21st Century Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encova and 21st Century ranked among the industry ratings.
| Comparison | Encova | 21st Century |
|---|---|---|
| Year Founded | 1928 (Motorists Insurance Group) | 1958 |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | |
| NAIC Complaint Index | 1.47 | |
| NAIC Complaint Ratio | 0.18 | |
| S&P Rating | A+ |
Encova or 21st Century: Insurance Products Offered
What coverage is available through Encova and 21st Century? Both insurance companies offer Auto, Home, Life, Motorcycle, and RV insurance. Additional products from Encova insurance also includes Commercial, Condo, 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 Motorists Mutual and 21st Century Insurance page.
| Insurance | Encova | 21st Century |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
Encova or 21st Century: Ways To Save
21st Century offers a wide range of discounts to its policyholders, including Multi-Car, Paperless & Autopay, and Safe Driver discounts. In contrast, Encova also offers a few discounts that 21st Century doesn’t including Multi-policy, Married Professional, and Long-Time Customer discounts. Start taking advantage of discounts offered by insurance providers like 21st Century and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encova | 21st Century |
|---|---|
| Anti-Theft Devices Discount | Mature Driver Discount |
| Driver Training Discount | Multi-Car Discount |
| EFT Discount | Paperless & Autopay Discount |
| Empty Nester Discount | Safe Driver Discount |
| Excellent Driving Record Discount | |
| Good Student Discount | |
| Long-Time Customer Discount | |
| Married Professional Discount | |
| Multi-policy Discount |
Pros & Cons of Encova & 21st Century
Pros
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Offers competitive rates.
21st Century
- 21st Century offers affordable rates to good drivers in California and a few other states.
- 21st Century is a financially strong company.
- 21st Century offers many lines of insurance and multi-policy discounts.
Cons
Encova
- Encova doesn’t have a mobile app.
21st Century
- 21st Century mainly does business in California.
Encova or 21st Century Mobile Apps Options
The 21st Century Mobile app is available for iOS and Android. It enables you to view your policy, pay bills, report a claim, receive roadside assistance and more. The iPhone app even has other functions, like finding nearby restaurants with good ratings.
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
| 21st Century Mobile App | ||
|---|---|---|
| iOS | 5 user reviews | |
| 934 user reviews | ||
Encova & 21st Century Contact Info
| 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/ | |
| 21st Century Contact Info | |
|---|---|
| Address | 3 Beaver Valley Road, Wilmington, DE 19803 |
| Phone | 1-877-401-8181 |
| Website | https://www.21st.com/ |
| https://www.facebook.com/21stcenturyinsurance/ | |
| https://twitter.com/21stCenturyAuto | |
| Youtube | https://www.youtube.com/channel |
| https://www.linkedin.com/company/21st-century-insurance/about/ | |
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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