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Encova vs. Grinnell Insurance
Which insurance company is right for you? Compare price, plans, and quotes from Encova and Grinnell.
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- Motorists Mutual vs Grinnell Mutual
Encova vs. Grinnell: 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.
Since 1909, Ginnell Mutual has been insuring people, and today it is the 114th-largest property-casualty insurance company in the U.S.. and the largest primary reinsurer of farm mutual companies in North America. Their insurance products are sold in 19 states.
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 Grinnell Mutual Overview.
Motorists Mutual vs. Grinnell Mutual: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Motorists Mutual and Grinnell Mutual. On average, Motorists Mutual charges approximately $202.71 per month while Grinnell Mutual comes in at around $190.67 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 Grinnell Mutual, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.
Average Rate
Average Rate
Average Rate
| State | Motorists Mutual | Grinnell Mutual |
|---|---|---|
| Pennsylvania | $295.43 | - |
Motorists Mutual vs. Grinnell Mutual: 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 Grinnell Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Motorists Mutual | Grinnell Mutual |
|---|---|---|
| 1 Vehicle | $196.21 | $ |
Motorists Mutual vs. Grinnell Mutual: 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 Grinnell Mutual charges $ per month for customers who own their home.
| Own/Rent | Motorists Mutual | Grinnell Mutual |
|---|---|---|
| Own | $286.33 | $ |
| Rent | $168.65 | $ |
What is Encova and Grinnell Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encova and Grinnell ranked among the industry ratings.
| Comparison | Encova | Grinnell |
|---|---|---|
| Year Founded | 1928 (Motorists Insurance Group) | 1909 |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.18 | |
| S&P Rating | A |
Encova or Grinnell: Insurance Products Offered
What coverage is available through Encova and Grinnell? Both insurance companies offer Auto, Commercial, Home, and Renters insurance. Additional products from Encova insurance also includes Condo, Life, Motorcycle, and RV 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 Grinnell Mutual Insurance page.
| Insurance | Encova | Grinnell |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ |
Encova or Grinnell: Ways To Save
Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. In contrast, Grinnell also offers a few discounts that Encova doesn’t include Small At-fault Accident Forgiveness, Passive Restraint/Airbags, and Paid-in-Full discounts. Start taking advantage of discounts offered by insurance providers like Grinnell and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encova | Grinnell |
|---|---|
| Anti-Theft Devices Discount | Anniversary Discount |
| Driver Training Discount | Anti-lock Brakes Discount |
| EFT Discount | Anti-theft Discount |
| Empty Nester Discount | Claim-free Discount |
| Excellent Driving Record Discount | Defensive Driver Discount |
| Good Student Discount | Electronic Funds Transfer Discount |
| Long-Time Customer Discount | Elite Driver (Good Driver) |
| Married Professional Discount | Excess Vehicles Discount |
| Multi-policy Discount | Good Student Discount |
| Mile Marker | |
| Minor Violation Forgiveness | |
| Motor Homes Limited Use Discount | |
| Multi-Car Discount | |
| Multi-policy Discount | |
| Paid-in-Full Discount | |
| Passive Restraint/Airbags Discount | |
| Small At-fault Accident Forgiveness |
Pros & Cons of Encova & Grinnell
Pros
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Offers competitive rates.
Grinnell
- Grinnell offers good customer service and reliable insurance products.
- Customized commercial policies.
Cons
Encova
- Encova doesn’t have a mobile app.
Grinnell
- Grinnell auto insurance is only available in 19 states.
Encova or Grinnell Mobile Apps Options
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
| Grinnell Mobile App | ||
|---|---|---|
| Grinnell does not currently have a mobile app. | ||
Encova & Grinnell 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/ | |
| Grinnell Contact Info | |
|---|---|
| Address | 4215 Highway 146 South, P.O. Box 790, Grinnell, IA 50112-0790 |
| Phone | 1-800-362-2041 |
| Website | https://www.grinnellmutual.com/ |
| https://www.facebook.com/myGrinnellMutual/ | |
| Youtube | https://www.youtube.com/user/grinnellmutual |
| https://twitter.com/GrinnellMutual | |
| https://www.linkedin.com/company/grinnellmutual/ | |
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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