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Grange vs. Encova Insurance
Which insurance company is right for you? Compare coverage, cost, and quotes from Grange and Encova.
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Grange vs. Encova: What You Need to Know
Grange Mutual Casualty Company, commonly known as Grange Insurance, was formed in 1935, in Columbus, Ohio, to provide auto insurance for a specific group, Ohio State Grange members. Today, Grange Insurance is a large insurance carrier that offers affordable and customizable auto, home, life, and business insurance products. Together with Integrity Insurance, it sells across 13 states, including Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. The company also created a foundation called Grange Insurance Gives to support charitable giving and reinforce its deep commitment to serving the community.
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.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Grange Overview and Motorists Mutual Overview.
Grange vs. Motorists Mutual: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Grange and Motorists Mutual. On average, Grange charges approximately $181.53 per month while Motorists Mutual comes in at around $201.24 per month. For Grange, the cheapest state average is Oregon at $113.46 per month and the most expensive is Colorado at $216.08 per month. For Motorists Mutual, the cheapest state average is Ohio at $114.46 per month and the most expensive is Pennsylvania at $344.99 per month.
Average Rate
Average Rate
Average Rate
| State | Grange | Motorists Mutual |
|---|---|---|
| California | $192.85 | - |
| Colorado | $216.08 | - |
| Idaho | $132.10 | - |
| Indiana | - | $135.52 |
| Kentucky | - | $152.76 |
| Ohio | - | $114.46 |
| Oregon | $113.46 | - |
| Pennsylvania | - | $344.99 |
| Washington | $140.49 | - |
| West Virginia | - | $209.72 |
| Wyoming | $153.19 | - |
Grange vs. Motorists Mutual: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Grange and Motorists Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Grange | Motorists Mutual |
|---|---|---|
| 1 Vehicle | $164.13 | $189.57 |
| 2 Vehicles | $235.54 | $245.79 |
| 3 Vehicles | $305.95 | $229.76 |
Grange vs. Motorists Mutual: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Grange charges $176.13 per month and Motorists Mutual charges $196.86 per month for customers who own their home.
| Own/Rent | Grange | Motorists Mutual |
|---|---|---|
| Own | $176.13 | $196.86 |
| Rent | $183.27 | $203.00 |
What is Grange and Encova Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Grange and Encova ranked among the industry ratings.
| Comparison | Grange | Encova |
|---|---|---|
| Year Founded | 1935 | 1928 (Motorists Insurance Group) |
| A.M. Best Rating | A- | |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 0.87 | |
| NAIC Complaint Ratio | 0.18 |
Grange or Encova: Insurance Products Offered
What coverage is available through Grange and Encova? Both insurance companies offer Auto, Commercial, Home, and Life insurance. Additional products from Encova insurance also includes Condo, Motorcycle, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Grange and Motorists Mutual Insurance page.
| Insurance | Grange | Encova |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ |
Grange or Encova: Ways To Save
Grange offers a wide range of discounts to its policyholders, including Good Student, Hybrid Vehicle, and Multi-Policy discounts. Whereas, Encova also offers a few discounts that Grange doesn’t, including Married Professional, Long-Time Customer, and Excellent Driving Record discounts. Start taking advantage of discounts offered by insurance providers like Encova and Grange insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Grange | Encova |
|---|---|
| Distant Student Discount | Anti-Theft Devices Discount |
| Good Student Discount | Driver Training Discount |
| Hybrid Vehicle Discount | EFT Discount |
| Multi-Policy Discount | Empty Nester Discount |
| Paid-in-full Discount | Excellent Driving Record Discount |
| Safe Driver Discount | Good Student Discount |
| Long-Time Customer Discount | |
| Married Professional Discount | |
| Multi-policy Discount |
Pros & Cons of Grange & Encova
Pros
Grange
- Grange Insurance offers personalized coverage, which allows you to tailor the insurance plan according to your needs and budget.
- The company offers pet coverage included in the auto policy, which pays for your pet’s veterinary if they are injured in a crash.
- Easy-to-use online account
- Great financial standing
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.
Cons
Grange
- The claims process can be delayed according to some customer’s reviews.
- Coverage limited - only in 13 states across the US
Encova
- Encova doesn’t have a mobile app.
Grange or Encova Mobile Apps Options
The Grange Insurance Mobile app is available for iOS and Android. This mobile app can help you to pay the bills, view coverages, display your ID card and get roadside assistance. If you don’t have insurance with the company yet, you can use the app to find an agent for more information.
| Grange Mobile App | ||
|---|---|---|
| iOS | 4.2 | 9 user reviews |
| Android | 4.3 | 24 user reviews |
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
Grange & Encova Contact Info
| Grange Contact Info | |
|---|---|
| Address | 671 S. High Street Columbus, OH 43206 |
| Phone | 1-800-422-0550 |
| Website | https://www.grangeinsurance.com/ |
| https://www.facebook.com/GrangeInsuranceMarketing | |
| https://www.instagram.com/grange_insurance | |
| https://twitter.com/GrangeInsurance | |
| Youtube | https://www.youtube.com/user/GrangeInsurance |
| https://www.linkedin.com/company/grange-insurance | |
| 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/ | |
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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