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 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?

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Hastings Mutual Insurance Co vs. Motorists Mutual: Rates by Number of Vehicle

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Hastings Mutual Insurance Co vs. Motorists Mutual: Rates by Homeownership

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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.

ComparisonHastings MutualEncova
Year Founded18851928 (Motorists Insurance Group)
Market Share0.2% (2018)
A.M. Best RatingAA-
BBB RatingA+
Financial StrengthExcellentExcellent
JD Power RankingAbove Average
NAIC Complaint Ratio0.18

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.

InsuranceHastings MutualEncova
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 MutualEncova
Away at School DiscountAnti-Theft Devices Discount
Claim Free DiscountDriver Training Discount
Defensive Driving DiscountEFT Discount
Good Student DiscountEmpty Nester Discount
Multi-car DiscountExcellent Driving Record Discount
Multi-policy DiscountGood Student Discount
Paid in Full DiscountLong-Time Customer Discount
Paperless Bills DiscountMarried 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
Address404 E. Woodlawn Ave. Hastings, MI 49058
Phone1-800-442-8277
Websitehttps://www.hastingsmutual.com/
Facebookhttps://www.facebook.com/HastingsMutual/
Linkedinhttps://www.linkedin.com/company/hastings-mutual-insurance-company/
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/

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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