Encova vs. Grinnell Insurance

Which insurance company is right for you? Compare price, plans, and quotes from Encova and Grinnell.

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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 $178.31 per month while Grinnell Mutual comes in at around $122.46 per month. For Motorists Mutual, the cheapest state average is Ohio at $106.46 per month and the most expensive is Pennsylvania at $300.34 per month. For Grinnell Mutual, the cheapest state average is North Dakota at $114.00 per month and the most expensive is Iowa at $124.13 per month.

Motorists Mutual

Average Rate

$178.31
Grinnell Mutual

Average Rate

$122.46
National

Average Rate

$117.77
State Motorists Mutual Grinnell Mutual
Indiana $128.80 -
Iowa- $124.13
Kentucky $152.54 -
North Dakota- $114.00
Ohio $106.46 -
Pennsylvania $300.34 -
West Virginia $207.31 -

Motorists Mutual vs. Grinnell Mutual: 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 Grinnell Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Motorists Mutual Grinnell Mutual
1 Vehicle $166.85 $110.17
2 Vehicles $226.87 $172.50

Motorists Mutual vs. Grinnell Mutual: 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 $182.31 per month and Grinnell Mutual charges $123.22 per month for customers who own their home.

Own/Rent Motorists Mutual Grinnell Mutual
Own $182.31 $123.22
Rent $176.06 $121.99

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.

ComparisonEncovaGrinnell
Year Founded1928 (Motorists Insurance Group)1909
A.M. Best RatingA-A
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.18
S&P RatingA

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.

InsuranceEncovaGrinnell
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.

EncovaGrinnell
Anti-Theft Devices DiscountAnniversary Discount
Driver Training DiscountAnti-lock Brakes Discount
EFT DiscountAnti-theft Discount
Empty Nester DiscountClaim-free Discount
Excellent Driving Record DiscountDefensive Driver Discount
Good Student DiscountElectronic Funds Transfer Discount
Long-Time Customer DiscountElite Driver (Good Driver)
Married Professional DiscountExcess Vehicles Discount
Multi-policy DiscountGood 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.
  • Financial stability is rated A- (Excellent) by A.M. Best.
  • 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
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/
Grinnell Contact Info
Address4215 Highway 146 South, P.O. Box 790, Grinnell, IA 50112-0790
Phone1-800-362-2041
Websitehttps://www.grinnellmutual.com/
Facebookhttps://www.facebook.com/myGrinnellMutual/
Youtubehttps://www.youtube.com/user/grinnellmutual
Twitterhttps://twitter.com/GrinnellMutual
Linkedinhttps://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.

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