Encova vs. Hartford Insurance

Which insurance provider is right for you? Compare insights, plans, and quotes from Encova and Hartford.

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Encova vs. Hartford: 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 1810, Nathaniel Terry was the president of a small fire insurance company which, 15 years later, wrote a policy for Yale University. In 1835, a large fire destroyed most of the buildings in New York City’s Financial District and all claims were paid. In 1861, the Hartford provided protection for president-elect Abraham Lincoln’s Illinois home after he arranged to move to the White House. In 1871, a fire ravaged more than three square miles of Chicago, and Hartford took care of the casualties. In 1906, 500 city blocks in San Francisco were destroyed by an earthquake and fires. The Hartford paid over $11 million in damages. In 1913, The Hartford formed the Accident and Indemnity Company, providing improved automobile and property coverage for fires, accidents, liability and more. In 1920, the company covered Baby Ruth with a policy. Years later, they even protected President Dwight Eisenhower’s 190-acre farm, where he hosted world leaders. In 1931, the Hartford insured the Hoover Dam, in 1937 the Golden Gate Bridge. In 1959, they insured the St. Lawrence Seaway. In 1947 The Hartford established the Junior Fire Marshal program, which has been teaching fire prevention and safety to millions of children. In 1983, a dedicated small business service center was formed to meet the new demands for businesses. In 1984, The Hartford became the exclusive provider of home and auto insurance for AARP members and the Hartford Center for Mature Market Excellence was established to empower mature adults. In 2001 the company paid over $850 million in claims after the 9/11 terror attacks. Since 1994, The Hartford has been a sponsor of the U.S. Paralympics. Since 2003, they’ve participated in the Ability Equipped program, which provides access to adaptive sports and equipment for people with disabilities across the country. The year 2010 was The Hartford’s 200th anniversary. Since its inception, the company has been named a World’s Most Ethical Company 11 times by the Ethisphere Institute.

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 Hartford Overview.

Motorists Mutual vs. Hartford: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Motorists Mutual and Hartford. On average, Motorists Mutual charges approximately $194.79 per month while Hartford comes in at around $208.16 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 Hartford, the cheapest state average is California at $208.16 per month and the most expensive is California at $208.16 per month.

Motorists Mutual

Average Rate

$194.79
Hartford

Average Rate

$208.16
National

Average Rate

$120.03
State Motorists Mutual Hartford
California- $208.16
Indiana $130.22 -
Kentucky $151.25 -
Ohio $112.92 -
Pennsylvania $338.70 -
West Virginia $208.68 -

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

Number of Vehicles Motorists Mutual Hartford
1 Vehicle $184.01 $193.65
2 Vehicles $240.84 $256.82
3 Vehicles $ $379.90

Motorists Mutual vs. Hartford: 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 Hartford charges $196.63 per month for customers who own their home.

Own/Rent Motorists Mutual Hartford
Own $188.95 $196.63
Rent $197.31 $211.89

What is Encova and Hartford Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Encova and Hartford ranked among the industry ratings.

ComparisonEncovaHartford
Year Founded1928 (Motorists Insurance Group)1810
A.M. Best RatingA-A
BBB RatingA-
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.181.65
S&P RatingA

Encova or Hartford: Insurance Products Offered

What coverage is available through Encova and Hartford? Both insurance companies offer Auto, Commercial, Condo, Home, Renters, and RV insurance. Additional products from Encova insurance also includes Life and Motorcycle 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 Hartford Insurance page.

InsuranceEncovaHartford
Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Encova or Hartford: Ways To Save

Hartford offers a wide range of discounts to its policyholders, including Anti-theft Device, Bundle Insurance Savings, and Defensive Driver Course discounts. In contrast, Encova also offers a few discounts that Hartford doesn’t including Multi-policy, Married Professional, and Long-Time Customer discounts. Start taking advantage of discounts offered by insurance providers like Hartford and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EncovaHartford
Anti-Theft Devices DiscountAirbags Discount
Driver Training DiscountAnti-theft Device Discount
EFT DiscountBundle Insurance Savings
Empty Nester DiscountDefensive Driver Course
Excellent Driving Record DiscountDriver Training Discount
Good Student DiscountGood Student Discount
Long-Time Customer DiscountPaid-in-Full Discount
Married Professional DiscountVehicle Fuel Type (Hybrid or Electric Vehicles)
Multi-policy Discount

Pros & Cons of Encova & Hartford

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.
Hartford
  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.

Cons

Encova
  • Encova doesn’t have a mobile app.
Hartford
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.

Encova or Hartford Mobile Apps Options

The Hartford smartphone app allows users to view important documents and access a digital auto ID card. You can pay bills, file and track claims, contact an agent, access roadside assistance and more.

Encova Mobile App
Encova does not currently have a mobile app.
Hartford Mobile App
iOS     3.9265 user reviews
Android     3.7513 user reviews

Encova & Hartford 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/
Hartford Contact Info
Address690 Asylum Avenue, Hartford, CT, 06155
Phone1-800-423-6789
Websitehttps://www.thehartford.com/
Facebookhttps://www.facebook.com/TheHartford/
Youtubehttps://www.youtube.com/thehartford
Twitterhttps://twitter.com/TheHartford
Linkedinhttps://www.linkedin.com/company/the-hartford/

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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