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Encova (Motorists Insurance Group) vs. Direct Auto Insurance
Which insurance carrier is right for you? Compare products, savings, and quotes from Encova and Direct Auto.
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- Motorists Mutual vs Direct Auto
Encova vs. Direct Auto: 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.
In 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer, He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.
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 Direct Auto Overview.
Motorists Mutual vs. Direct Auto: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Motorists Mutual and Direct Auto. On average, Motorists Mutual charges approximately $202.71 per month while Direct Auto comes in at around $99.78 per month. For Motorists Mutual, the cheapest state average is Pennsylvania at $295.43 per month and the most expensive is Pennsylvania at $295.43 per month. For Direct Auto, the cheapest state average is Texas at $70.21 per month and the most expensive is California at $72.75 per month.
Average Rate
Average Rate
Average Rate
| State | Motorists Mutual | Direct Auto |
|---|---|---|
| California | - | $72.75 |
| Pennsylvania | $295.43 | - |
| Texas | - | $70.21 |
Motorists Mutual vs. Direct Auto: 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 Direct Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Motorists Mutual | Direct Auto |
|---|---|---|
| 1 Vehicle | $196.21 | $98.26 |
Motorists Mutual vs. Direct Auto: 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 $286.33 per month and Direct Auto charges $ per month for customers who own their home.
| Own/Rent | Motorists Mutual | Direct Auto |
|---|---|---|
| Own | $286.33 | $ |
| Rent | $168.65 | $102.21 |
What is Encova and Direct Auto Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encova and Direct Auto ranked among the industry ratings.
| Comparison | Encova | Direct Auto |
|---|---|---|
| Year Founded | 1928 (Motorists Insurance Group) | 1991 |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 6.06 | |
| NAIC Complaint Ratio | 0.18 |
Encova or Direct Auto: Insurance Products Offered
What coverage is available through Encova and Direct Auto? Both insurance companies offer Auto, Commercial, Motorcycle, and RV insurance. Additional products from Encova insurance also includes Condo, Home, Life, 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 Direct Auto Insurance page.
| Insurance | Encova | Direct Auto |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
Encova or Direct Auto: Ways To Save
Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. In contrast, Direct Auto also offers a few discounts that Encova doesn’t including Welcome Back, Senior Citizen, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Direct Auto and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encova | Direct Auto |
|---|---|
| Anti-Theft Devices Discount | Affinity Discount |
| Driver Training Discount | Good Student Discount |
| EFT Discount | Homeowner Discount |
| Empty Nester Discount | Mileage Discount |
| Excellent Driving Record Discount | Military Discount |
| Good Student Discount | Multi-Car Discount |
| Long-Time Customer Discount | Multi-Product Discount |
| Married Professional Discount | Prior Coverage Discount |
| Multi-policy Discount | Renewal Discount |
| Safe Driver Discount | |
| Senior Citizen Discount | |
| Welcome Back Discount |
Pros & Cons of Encova & Direct Auto
Pros
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Offers competitive rates.
Direct Auto
- Flexible billing options and customizable insurance payments
- Affordable rates regardless of consumers driving history
- Offers SR-22 filing for drivers
- Offers a variety of discounts
Cons
Encova
- Encova doesn’t have a mobile app.
Direct Auto
- Claims only by phone. There is no option to file a claim online.
Encova or Direct Auto Mobile Apps Options
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
| Direct Auto Mobile App | ||
|---|---|---|
| Direct Auto does not currently have a mobile app. | ||
Encova & Direct Auto 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/ | |
| Direct Auto Contact Info | |
|---|---|
| Address | 1128 Murfreesboro Road, Nashville, TN |
| Phone | 1-877-463-4732 |
| Website | https://www.directauto.com/ |
| http://www.facebook.com/directautoIns | |
| https://twitter.com/directautoins | |
| Youtube | https://www.youtube.com/user/DirectAutoIns |
| https://www.instagram.com/directautoins/ | |
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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