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Encova vs. Meemic Insurance
Which insurance provider is right for you? Compare insights, cost, and quotes from Encova and Meemic.
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- Motorists Mutual vs MEEMIC Insurance Company
Encova vs. Meemic: 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.
A small group of teachers formed Meemic in 1950. They aimed to provide other teachers and educators with quality protection at affordable rates. For almost 70 years, they’ve been providing auto, home, boat and personal umbrella insurance tailored to the needs of the educational community. The Meemic Foundation for the Future of Education was established in 1992 to provide financial assistance to schools, teachers, and educators, in the form of grants. Meemic partners with AAA to offer insurance products to teachers and educators in Illinois, Michigan, Wisconsin, and Georgia.
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 MEEMIC Insurance Company Overview.
Motorists Mutual vs. MEEMIC Insurance Company: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Motorists Mutual and MEEMIC Insurance Company. On average, Motorists Mutual charges approximately $232.52 per month while MEEMIC Insurance Company comes in at around $163.56 per month. For Motorists Mutual, the cheapest state average is Pennsylvania at $346.37 per month and the most expensive is Pennsylvania at $346.37 per month. For MEEMIC Insurance Company, the cheapest state average is Michigan at $163.59 per month and the most expensive is Michigan at $163.59 per month.
Average Rate
Average Rate
Average Rate
| State | Motorists Mutual | MEEMIC Insurance Company |
|---|---|---|
| Michigan | - | $163.59 |
| Pennsylvania | $346.37 | - |
Motorists Mutual vs. MEEMIC Insurance Company: 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 MEEMIC Insurance Company typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Motorists Mutual | MEEMIC Insurance Company |
|---|---|---|
| 1 Vehicle | $202.05 | $156.52 |
| 2 Vehicles | $ | $285.16 |
Motorists Mutual vs. MEEMIC Insurance Company: 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 $343.94 per month and MEEMIC Insurance Company charges $167.48 per month for customers who own their home.
| Own/Rent | Motorists Mutual | MEEMIC Insurance Company |
|---|---|---|
| Own | $343.94 | $167.48 |
| Rent | $176.81 | $162.42 |
What is Encova and Meemic Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encova and Meemic ranked among the industry ratings.
| Comparison | Encova | Meemic |
|---|---|---|
| Year Founded | 1928 (Motorists Insurance Group) | 1950 |
| BBB Rating | B- | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.18 |
Encova or Meemic: Insurance Products Offered
What coverage is available through Encova and Meemic? Both insurance companies offer Auto, Condo, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from Encova insurance also include Commercial 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 MEEMIC Insurance Company Insurance page.
| Insurance | Encova | Meemic |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | ✔ |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ |
Encova or Meemic: Ways To Save
Meemic offers a wide range of discounts to its policyholders, including Newly Certified Teacher, Paid-in-Full, and The Educated Choice Repair Program discounts. In contrast, Encova also offers a few discounts that Meemic doesn’t including Married Professional, Long-Time Customer, and Good Student discounts. Start taking advantage of discounts offered by insurance providers like Meemic and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encova | Meemic |
|---|---|
| Anti-Theft Devices Discount | Multi-policy Discount |
| Driver Training Discount | Newly Certified Teacher Discount |
| EFT Discount | Paid-in-Full Discount |
| Empty Nester Discount | The Educated Choice Repair Program |
| Excellent Driving Record Discount | Vehicle Anti-theft Discount |
| Good Student Discount | |
| Long-Time Customer Discount | |
| Married Professional Discount | |
| Multi-policy Discount |
Pros & Cons of Encova & Meemic
Pros
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Offers competitive rates.
Meemic
- Offers discounted rates for teachers.
- Offers industry-specific coverage.
- Quality repairs using original manufacturer parts.
Cons
Encova
- Encova doesn’t have a mobile app.
Meemic
- Insurance through Meemic is only offered in four states: Michigan, Illinois, Wisconsin, and Georgia.
Encova or Meemic Mobile Apps Options
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
| Meemic Mobile App | ||
|---|---|---|
| Meemic does not currently have a mobile app. | ||
Encova & Meemic 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/ | |
| Meemic Contact Info | |
|---|---|
| Address | 1685 N. Opdyke Rd. Auburn Hills, MI 48326 |
| Phone | 1-888-463-3642 |
| Website | https://www.meemic.com/ |
| https://www.facebook.com/Meemic/ | |
| Youtube | https://www.youtube.com/channel/UCQnTMFg_hBizrzlZc0aQKMw |
| https://twitter.com/Meemic | |
| https://www.linkedin.com/company/meemic-insurance-company/ | |
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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