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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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 $194.79 per month while Direct Auto comes in at around $255.97 per month. For Motorists Mutual, the cheapest state average is Ohio at $112.92 per month and the most expensive is Pennsylvania at $338.70 per month. For Direct Auto, the cheapest state average is North Carolina at $104.30 per month and the most expensive is South Carolina at $420.08 per month.

Motorists Mutual

Average Rate

$194.79
Direct Auto

Average Rate

$255.97
National

Average Rate

$120.03
State Motorists Mutual Direct Auto
Alabama- $120.73
Arkansas- $189.97
California- $361.12
Florida- $196.59
Georgia- $242.52
Illinois- $379.02
Indiana $130.22 -
Kentucky $151.25 -
North Carolina- $104.30
Ohio $112.92 $238.67
Pennsylvania $338.70 -
South Carolina- $420.08
Tennessee- $146.57
Texas- $180.83
Virginia- $387.80
Washington- $354.52
West Virginia $208.68 -

Motorists Mutual vs. Direct Auto: Rates by Number of Vehicle

Home

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 $184.01 $248.47
2 Vehicles $240.84 $365.19

Motorists Mutual vs. Direct Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Motorists Mutual charges $188.95 per month and Direct Auto charges $204.56 per month for customers who own their home.

Own/Rent Motorists Mutual Direct Auto
Own $188.95 $204.56
Rent $197.31 $263.01

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.

ComparisonEncovaDirect Auto
Year Founded1928 (Motorists Insurance Group)1991
A.M. BestA-
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06
NAIC Complaint Ratio0.18

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.

InsuranceEncovaDirect 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.

EncovaDirect Auto
Anti-Theft Devices DiscountAffinity Discount
Driver Training DiscountGood Student Discount
EFT DiscountHomeowner Discount
Empty Nester DiscountMileage Discount
Excellent Driving Record DiscountMilitary Discount
Good Student DiscountMulti-Car Discount
Long-Time Customer DiscountMulti-Product Discount
Married Professional DiscountPrior Coverage Discount
Multi-policy DiscountRenewal 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.
  • Financial stability is rated A- (Excellent) by A.M. Best.
  • 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
Address471 E. Broad St. Columbus, OH 43215
Phone1-800-876-6642
Websitehttps://www.encova.com/
Facebookhttps://www.facebook.com/MotoristsInsuranceGroup
Linkedinhttps://www.linkedin.com/company/encova/
Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://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.

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