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Encova (Motorists Insurance Group) vs. American National Insurance
Which insurance company is right for you? Compare price, pros & cons, and quotes from Encova and American National.
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- Motorists Mutual vs American National P&C
Encova vs. American National: 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.
American National Insurance Company (ANICO) was founded in 1905 by William Lewis Moody Jr. and headquartered in Gavelston, Texas. During the decades of the 1920s, the company’s assets increased more than 400 percent, compared with the national average for insurance companies at that time. The company continued to grow rapidly, even during the Depression and avoided laying off employees or suffering annual losses.
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 American National P&C Overview.
Motorists Mutual vs. American National P&C: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Motorists Mutual and American National P&C. On average, Motorists Mutual charges approximately $210.36 per month while American National P&C comes in at around $68.11 per month. For Motorists Mutual, the cheapest state average is Ohio at $110.07 per month and the most expensive is Pennsylvania at $345.54 per month. For American National P&C, the cheapest state average is Idaho at $51.45 per month and the most expensive is Nebraska at $89.18 per month.
Average Rate
Average Rate
Average Rate
| State | Motorists Mutual | American National P&C |
|---|---|---|
| Idaho | - | $51.45 |
| Indiana | $161.72 | - |
| Kentucky | $173.63 | - |
| Nebraska | - | $89.18 |
| Ohio | $110.07 | - |
| Pennsylvania | $345.54 | - |
| South Carolina | - | $54.42 |
| West Virginia | $258.81 | - |
Motorists Mutual vs. American National P&C: 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 American National P&C typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Motorists Mutual | American National P&C |
|---|---|---|
| 1 Vehicle | $205.03 | $69.29 |
| 2 Vehicles | $251.85 | $63.79 |
Motorists Mutual vs. American National P&C: 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 $210.49 per month and American National P&C charges $55.44 per month for customers who own their home.
| Own/Rent | Motorists Mutual | American National P&C |
|---|---|---|
| Own | $210.49 | $55.44 |
| Rent | $210.32 | $73.18 |
What is Encova and American National Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encova and American National ranked among the industry ratings.
| Comparison | Encova | American National |
|---|---|---|
| Year Founded | 1928 (Motorists Insurance Group) | 1905 |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.18 | 0.23% |
| S&P Rating | A |
Encova or American National: Insurance Products Offered
What coverage is available through Encova and American National? Both insurance companies offer Auto, Commercial, Condo, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from American National insurance also includes Farm and Health 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 American National P&C Insurance page.
| Insurance | Encova | American National |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
Encova or American National: Ways To Save
American National offers a wide range of discounts to its policyholders, including Common cause of Loss, Fresh Start, and Multi-policy discounts. In contrast, Encova also offers a few discounts that American National doesn’t including Married Professional, Long-Time Customer, and Good Student discounts. Start taking advantage of discounts offered by insurance providers like American National and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encova | American National |
|---|---|
| Anti-Theft Devices Discount | Collision Waiver Discount |
| Driver Training Discount | Common cause of Loss Discount |
| EFT Discount | Fresh Start Discount |
| Empty Nester Discount | Multi-policy Discount |
| Excellent Driving Record Discount | No Claims Cashback Bonus |
| Good Student Discount | Three Lines Discount |
| Long-Time Customer Discount | |
| Married Professional Discount | |
| Multi-policy Discount |
Pros & Cons of Encova & American National
Pros
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Offers competitive rates.
American National
- American National Insurance has a friendly and helpful customer service according to the reviews
- The company operates in all 50 U.S. states
Cons
Encova
- Encova doesn’t have a mobile app.
American National
- American’s National website is difficult to navigate and find specific information that you’re may looking for.
Encova or American National Mobile Apps Options
AN Mobile App is available for iOS and Android. This mobile app provides you access to view personal lines insurance policy info (Auto, Home, Specialty Lines, Umbrella Insurance), view your Auto ID cards, submit an Auto and/or Home insurance claim, pay your personal line insurance policy with your bank account or credit/debit card, report an issue or send feedback directly to our development team, request 24-hour roadside assistance and check your Cashback℠ balances (where available).
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
| American National Mobile App | ||
|---|---|---|
| iOS | 2.7 | 34 user reviews |
| Android | 3 | 50 user reviews |
Encova & American National 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/ | |
| American National Contact Info | |
|---|---|
| Address | One Moody Plaza - Galveston, Texas - 77550 |
| Phone | 1-800-333-2860 |
| Website | https://www.americannational.com/ |
| https://www.facebook.com/AmericanNationalInsuranceCompany | |
| Youtube | https://www.youtube.com/channel/UCESIrhTSwvPnZAmuxSccYYg |
| https://www.linkedin.com/company/american-national-insurance/ | |
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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