Which insurance company is right for you? Compare cost, pros & cons, and quotes from Hastings Mutual and Encova.
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.
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 |
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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 |
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 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 |
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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 |
Hastings Mutual Mobile App | ||
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Hastings Mutual does not currently have a mobile app. |
Encova Mobile App | ||
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Encova does not currently have a mobile app. |
Hastings Mutual Contact Info | |
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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 | |
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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.
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