Encova vs. Meemic Insurance

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

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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. A.M. Best has rated Meemic as financially strong, based on the financial strength and claims-paying ability. 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 $178.31 per month while MEEMIC Insurance Company comes in at around $219.89 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 MEEMIC Insurance Company, the cheapest state average is Michigan at $219.75 per month and the most expensive is Michigan at $219.75 per month.

Motorists Mutual

Average Rate

$178.31
MEEMIC Insurance Company

Average Rate

$219.89
National

Average Rate

$117.62
State Motorists Mutual MEEMIC Insurance Company
Indiana $128.80 -
Kentucky $152.54 -
Michigan- $219.75
Ohio $106.46 -
Pennsylvania $300.34 -
West Virginia $207.31 -

Motorists Mutual vs. MEEMIC Insurance Company: 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 MEEMIC Insurance Company typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Motorists Mutual MEEMIC Insurance Company
1 Vehicle $166.85 $207.12
2 Vehicles $226.87 $271.61

Motorists Mutual vs. MEEMIC Insurance Company: 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 MEEMIC Insurance Company charges $221.14 per month for customers who own their home.

Own/Rent Motorists Mutual MEEMIC Insurance Company
Own $182.31 $221.14
Rent $176.06 $218.89

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.

ComparisonEncovaMeemic
Year Founded1928 (Motorists Insurance Group)1950
A.M. Best RatingA-A-
BBB RatingB-
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.18

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.

InsuranceEncovaMeemic
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.

EncovaMeemic
Anti-Theft Devices DiscountMulti-policy Discount
Driver Training DiscountNewly Certified Teacher Discount
EFT DiscountPaid-in-Full Discount
Empty Nester DiscountThe Educated Choice Repair Program
Excellent Driving Record DiscountVehicle 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.
  • Financial stability is rated A- (Excellent) by A.M. Best.
  • 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
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/
Meemic Contact Info
Address1685 N. Opdyke Rd. Auburn Hills, MI 48326
Phone1-888-463-3642
Websitehttps://www.meemic.com/
Facebookhttps://www.facebook.com/Meemic/
Youtubehttps://www.youtube.com/channel/UCQnTMFg_hBizrzlZc0aQKMw
Twitterhttps://twitter.com/Meemic
Linkedinhttps://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.

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