Encova vs. Pekin Insurance

Which insurance carrier is right for you? Compare savings, coverage, and quotes from Encova and Pekin.

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Encova vs. Pekin: 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 1921, a group of farmers, all members of the Tazewell County Farm Bureau, formed an organization to make automobile insurance more affordable. The organization was called The Farmers Automobile Insurance Association. The first Pekin Insurance office was located in the Tazewell County Courthouse, a space donated by the County Board Supervisors. With 187 policies, the six-month premium was $5 for glass, fire, lightning, windstorm, full-coverage collision, property damage, and bodily injury. All cars were charged the same premium. In 1932, they added 24-hour claim service. They adopted the telephone number #1334 for claims service. By 1939, Pekin had 20,000 policies and by 1945, 30,000. In 1952, they added fire insurance and in 1960, Inland Marine coverage. In 1966, the company moved into its new and current home office on Court Street and they now have 8 service offices in six states: Arizona, Illinois, Indiana, Iowa, Ohio, and Wisconsin. Pekin Life Insurance Company, which was established in 1969, also offers products in Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Nebraska, Pennsylvania, and Virginia. They began selling group health insurance in 1970 and pre-need insurance in 1993. In 2010, they adopted a new slogan, Beyond the expected®. In 2011, they created a unit called Group Plan Solutions for businesses. Today Pekin Insurance has over 900,000 policyholders and more than 8,500 independent agents.

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 Pekin Insurance Overview.

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

Below is a list of the average rates that drivers typically pay with Motorists Mutual and Pekin Insurance. On average, Motorists Mutual charges approximately $212.99 per month while Pekin Insurance comes in at around $70.13 per month. For Motorists Mutual, the cheapest state average is Pennsylvania at $302.76 per month and the most expensive is Pennsylvania at $302.76 per month. For Pekin Insurance, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Motorists Mutual

Average Rate

$212.99
Pekin Insurance

Average Rate

$70.13
National

Average Rate

$133.56
State Motorists Mutual Pekin Insurance
Pennsylvania $302.76 -

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

Number of Vehicles Motorists Mutual Pekin Insurance
1 Vehicle $202.80 $68.91

Motorists Mutual vs. Pekin Insurance: 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 $286.72 per month and Pekin Insurance charges $ per month for customers who own their home.

Own/Rent Motorists Mutual Pekin Insurance
Own $286.72 $
Rent $174.65 $76.06

What is Encova and Pekin Insurance Rating?

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

ComparisonEncovaPekin
Year Founded1928 (Motorists Insurance Group)1921
BBB Ratingc-
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.18

Encova or Pekin: Insurance Products Offered

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

InsuranceEncovaPekin
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Encova or Pekin: Ways To Save

Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. In contrast, Pekin also offers a few discounts that Encova doesn’t including Tenure, Safety Equipment (Only Available in Ohio), and Paid-in-Full discounts. Start taking advantage of discounts offered by insurance providers like Pekin and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EncovaPekin
Anti-Theft Devices DiscountAdvance Issue
Driver Training DiscountAnti-theft Device
EFT DiscountAuto/Home Bundle
Empty Nester DiscountDefensive Driver (Not Available in Indiana)
Excellent Driving Record DiscountEFT
Good Student DiscountGood Student
Long-Time Customer DiscountHybrid Auto
Married Professional DiscountMandatory Seatbelt (Only Available in Iowa)
Multi-policy DiscountMulti-Car
Paid-in-Full
Safety Equipment (Only Available in Ohio)
Tenure

Pros & Cons of Encova & Pekin

Pros

Encova
  • Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
  • Offers competitive rates.
Pekin
  • Lots of supplemental or “add on” insurance options.

Cons

Encova
  • Encova doesn’t have a mobile app.
Pekin
  • A high number of negative reviews.
  • Confusing website.
  • It only serves these states: Alabama, Arizona, Arkansas, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Ohio, Pennsylvania, Tennessee, Texas, Virginia, Wisconsin.

Encova or Pekin Mobile Apps Options

Not rated. Pekin only has an Insurance Events app on Google Play, which is intended to help you with schedules, dining information, maps and more.

Encova Mobile App
Encova does not currently have a mobile app.
Pekin Mobile App
Pekin does not currently have a mobile insurance app.

Encova & Pekin 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/
Pekin Contact Info
Address2505 Court St, Pekin, IL 61558
Phone1-800-322-0160
Websitehttps://www.pekininsurance.com/
Facebookhttps://www.facebook.com/PekinInsurance/
Youtubehttps://www.youtube.com/user/PekinInsurance
Twitterhttps://twitter.com/pekininsurance
Linkedinhttps://www.linkedin.com/company/pekin-insurance/

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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