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Hastings Mutual vs. Encova Insurance
Which insurance company is right for you? Compare cost, pros & cons, and quotes from Hastings Mutual and Encova.
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- Hastings Mutual Insurance Co vs Motorists Mutual
Hastings Mutual vs. Encova: What You Need to Know
Hastings Mutual Company was founded in 1885 as Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company to help protect local residents against the tornados that had destroyed small communities of Hastings and other parts of Michigan. The company continued to grow over the years and expanded its business.
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 Hastings Mutual Insurance Co Overview and Motorists Mutual Overview.
Hastings Mutual Insurance Co vs. Motorists Mutual: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Hastings Mutual Insurance Co and Motorists Mutual. On average, Hastings Mutual Insurance Co charges approximately $156.24 per month while Motorists Mutual comes in at around $181.14 per month. For Hastings Mutual Insurance Co, the cheapest state average is Ohio at $90.84 per month and the most expensive is Michigan at $170.59 per month. For Motorists Mutual, the cheapest state average is Ohio at $109.40 per month and the most expensive is Pennsylvania at $393.82 per month.
Average Rate
Average Rate
Average Rate
| State | Hastings Mutual Insurance Co | Motorists Mutual |
|---|---|---|
| Illinois | $154.30 | - |
| Indiana | $115.68 | $158.28 |
| Kentucky | - | $154.42 |
| Michigan | $170.59 | - |
| Ohio | $90.84 | $109.40 |
| Pennsylvania | - | $393.82 |
| West Virginia | - | $306.89 |
| Wisconsin | $151.43 | - |
Hastings Mutual Insurance Co 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 Hastings Mutual Insurance Co and Motorists Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Hastings Mutual Insurance Co | Motorists Mutual |
|---|---|---|
| 1 Vehicle | $154.20 | $181.08 |
| 2 Vehicles | $255.00 | $ |
Hastings Mutual Insurance Co 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 Hastings Mutual Insurance Co charges $139.34 per month and Motorists Mutual charges $193.84 per month for customers who own their home.
| Own/Rent | Hastings Mutual Insurance Co | Motorists Mutual |
|---|---|---|
| Own | $139.34 | $193.84 |
| Rent | $158.14 | $180.19 |
What is Hastings Mutual and Encova Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Hastings Mutual and Encova ranked among the industry ratings.
| Comparison | Hastings Mutual | Encova |
|---|---|---|
| Year Founded | 1885 | 1928 (Motorists Insurance Group) |
| Market Share | 0.2% (2018) | |
| A.M. Best Rating | A | A- |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Above Average | |
| NAIC Complaint Ratio | 0.18 |
Hastings Mutual or Encova: Insurance Products Offered
What coverage is available through Hastings Mutual and Encova? Both insurance companies offer Auto, Commercial, Condo, Home, Renters, and RV insurance. Additional products from Encova insurance also includes Life and Motorcycle insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Hastings Mutual Insurance Co and Motorists Mutual Insurance page.
| Insurance | Hastings Mutual | Encova |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
Hastings Mutual or Encova: Ways To Save
Hastings Mutual offers a wide range of discounts to its policyholders, including Claim Free, Defensive Driving, and Good Student discounts. In contrast, Encova also offers a few discounts that Hastings Mutual 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 Hastings Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Hastings Mutual | Encova |
|---|---|
| Away at School Discount | Anti-Theft Devices Discount |
| Claim Free Discount | Driver Training Discount |
| Defensive Driving Discount | EFT Discount |
| Good Student Discount | Empty Nester Discount |
| Multi-car Discount | Excellent Driving Record Discount |
| Multi-policy Discount | Good Student Discount |
| Paid in Full Discount | Long-Time Customer Discount |
| Paperless Bills Discount | Married Professional Discount |
| Multi-policy Discount |
Pros & Cons of Hastings Mutual & Encova
Pros
Hastings Mutual
- Hastings Mutual Company focuses on providing A+ customer service and promoting strong relationships with its customers.
- Established history: the company has 130 years of service and has built a good reputation among its customers.
- It has affordable rates.
- Offers Multi-Policy discounts.
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
Hastings Mutual
- Limited service: coverage is available in only 6 midwestern states across the US.
- It doesn’t offer an online application, you need to call an agent for a quote.
Encova
- Encova doesn’t have a mobile app.
Hastings Mutual or Encova Mobile Apps Options
| Hastings Mutual Mobile App | ||
|---|---|---|
| Hastings Mutual does not currently have a mobile app. | ||
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
Hastings Mutual & Encova Contact Info
| Hastings Mutual Contact Info | |
|---|---|
| Address | 404 E. Woodlawn Ave. Hastings, MI 49058 |
| Phone | 1-800-442-8277 |
| Website | https://www.hastingsmutual.com/ |
| https://www.facebook.com/HastingsMutual/ | |
| https://www.linkedin.com/company/hastings-mutual-insurance-company/ | |
| 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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