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Encova vs. Pemco Insurance
Which insurance company is right for you? Compare plans, insights, and quotes from Encova and Pemco.
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Encova vs. Pemco: 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.
Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers, who were members of the Seattle Teachers Credit Union which he founded in 1939 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.
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 PEMCO Overview.
Motorists Mutual vs. PEMCO: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Motorists Mutual and PEMCO. On average, Motorists Mutual charges approximately $232.47 per month while PEMCO comes in at around $105.98 per month. For Motorists Mutual, the cheapest state average is Pennsylvania at $341.46 per month and the most expensive is Pennsylvania at $341.46 per month. For PEMCO, the cheapest state average is Washington at $105.98 per month and the most expensive is Washington at $105.98 per month.
Average Rate
Average Rate
Average Rate
| State | Motorists Mutual | PEMCO |
|---|---|---|
| Pennsylvania | $341.46 | - |
| Washington | - | $105.98 |
Motorists Mutual vs. PEMCO: 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 PEMCO typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Motorists Mutual | PEMCO |
|---|---|---|
| 1 Vehicle | $203.64 | $104.80 |
Motorists Mutual vs. PEMCO: 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 $350.76 per month and PEMCO charges $ per month for customers who own their home.
| Own/Rent | Motorists Mutual | PEMCO |
|---|---|---|
| Own | $350.76 | $ |
| Rent | $171.14 | $105.35 |
What is Encova and Pemco Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Encova and Pemco ranked among the industry ratings.
| Comparison | Encova | Pemco |
|---|---|---|
| Year Founded | 1928 (Motorists Insurance Group) | 1949 |
| Market Share | 3.8% | |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Among the Best | |
| NAIC Complaint Ratio | 0.18 |
Encova or Pemco: Insurance Products Offered
What coverage is available through Encova and Pemco? Both insurance companies offer Auto, Condo, Home, Motorcycle, Renters, and RV insurance. Additional products from Encova insurance also includes Commercial and Life 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 PEMCO Insurance page.
| Insurance | Encova | Pemco |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | ✔ |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ |
Encova or Pemco: Ways To Save
Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. In contrast, Pemco also offers a few discounts that Encova doesn’t including University of Washington Alumni, Safety/Security Feature, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Pemco and Encova insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Encova | Pemco |
|---|---|
| Anti-Theft Devices Discount | Accident Forgiveness Benefit |
| Driver Training Discount | Advance Purchase Discount (for new business) |
| EFT Discount | Auto Plus Home Discount |
| Empty Nester Discount | Defensive Driver Discount |
| Excellent Driving Record Discount | Distant Student Discount |
| Good Student Discount | Educator Discount |
| Long-Time Customer Discount | Good Student Discount |
| Married Professional Discount | Homeownership Discount |
| Multi-policy Discount | Life Insurance (only for members of the teacher’s credit union) |
| Low Mileage Discount | |
| Loyal Auto Customer Discount | |
| Minor Ticket Forgiveness Benefit | |
| New Vehicle Discount | |
| Paid in Full Discount | |
| Safety/Security Feature Discount | |
| University of Washington Alumni Discount |
Pros & Cons of Encova & Pemco
Pros
Encova
- Encova has decades of industry experience and it is represented by more than 17,000 independent agents.
- Offers competitive rates.
Pemco
- PEMCO was ranked amongst the best by JD Power.
- Positive reviews from customers
Cons
Encova
- Encova doesn’t have a mobile app.
Pemco
Encova or Pemco Mobile Apps Options
The Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
| Pemco Mobile App | ||
|---|---|---|
| iOS | 3.6 | 5 user reviews |
| Android | 4.3 | 68 user reviews |
Encova & Pemco 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/ | |
| Pemco Contact Info | |
|---|---|
| Address | 1300 Dexter Avenue N. Seattle, WA 98109-3571 |
| Phone | 1 (800) 467-3626 |
| Website | https://pemco.com/ |
| https://www.facebook.com/PEMCOInsurance/ | |
| Youtube | https://www.youtube.com/channel/UChCRheGkktnLSRYpqBsEP8g |
| https://twitter.com/PEMCO | |
| https://www.linkedin.com/company/pemco/ | |
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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