Infinity vs. Encova Insurance

Which insurance carrier is right for you? Compare cost, pros & cons, and quotes from Infinity and Encova.

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Infinity vs. Encova: What You Need to Know

Infinity was founded in 1955 as the Dixie Insurance Company in Anniston, Alabama. In 1991, it was purchased by the Pennsylvania Company, and a few years later the company merged with American Financial Corporation to form the American Financial Group (AFG). Today, Infinity is one of the largest nonstandard insurers in the nation with nearly 13,000 independent agents. It ranks in the top 50 property and casualty insurance companies in the country.

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 Infinity Overview and Motorists Mutual Overview.

Infinity vs. Motorists Mutual: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Infinity and Motorists Mutual. On average, Infinity charges approximately $ per month while Motorists Mutual comes in at around $166.17 per month. For Infinity, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month. For Motorists Mutual, the cheapest state average is Ohio at $121.14 per month and the most expensive is Ohio at $121.14 per month.


Average Rate

Motorists Mutual

Average Rate


Average Rate

State Infinity Motorists Mutual
Ohio- $121.14

Infinity 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 Infinity and Motorists Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Infinity Motorists Mutual
1 Vehicle $ $154.42

Infinity vs. Motorists Mutual: Rates by Homeownership

Rates Are Not Currently Available

What is Infinity and Encova Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Infinity and Encova ranked among the industry ratings.

Year Founded19551928 (Motorists Insurance Group)
Market Share0.59%
A.M. Best RatingAA-
Financial StrengthExcellentExcellent
Moody's RatingA2
NAIC Complaint Index2.73
NAIC Complaint Ratio0.18
S&P RatingA

Infinity or Encova: Insurance Products Offered

What coverage is available through Infinity and Encova? Both insurance companies offer Auto, Commercial, Condo, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from Infinity insurance also include Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Infinity and Motorists Mutual Insurance page.

Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Infinity or Encova: Ways To Save

Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. In contrast, Infinity also offers a few discounts that Encova doesn’t, including VIN Etching, Switch and Save, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Encova and Infinity insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Anti-theft DiscountAnti-Theft Devices Discount
Credit Rating DiscountDriver Training Discount
Education DiscountEFT Discount
Electronic PaymentEmpty Nester Discount
Homeowners/Renters DiscountExcellent Driving Record Discount
Low Mileage DiscountGood Student Discount
Loyal Customer DiscountLong-Time Customer Discount
Marriage DiscountMarried Professional Discount
Mature Driver DiscountMulti-policy Discount
Membership Discount
Multi-vehicle Discount
Paid in Full Discount
Safe Driver Discount
Switch and Save Discount
VIN Etching Discount

Pros & Cons of Infinity & Encova


  • Offers a variety of packages to meet every driver’s needs
  • Accepts all kinds of drivers
  • Spanish-language website available
  • DriverClub®: free 24/7 roadside assistance program
  • 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.


  • Lack of policy information on the website
  • Low customer feedback ratings
  • Encova doesn’t have a mobile app.

Infinity or Encova Mobile Apps Options

The Infinity Auto Mobile app is available for iOS and Android. This mobile app allows customers to manage their policies by making payments, accessing ID cards, finding preferred repair shops, submitting claims information, accessing DriverClub® for roadside breakdowns, uploading documents and more.

Infinity Mobile App
iOS     2.657 user reviews
Android     3.71.2K user reviews
Encova Mobile App
Encova does not currently have a mobile app.

Infinity & Encova Contact Info

Infinity Contact Info
Address2201 4th Avenue North - Birmingham, AL 35203
Encova Contact Info
Address471 E. Broad St. Columbus, OH 43215

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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