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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 Motorists Mutual
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 $232.52 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 Pennsylvania at $346.37 per month and the most expensive is Pennsylvania at $346.37 per month.
Average Rate
Average Rate
Average Rate
| State | Infinity | Motorists Mutual |
|---|---|---|
| Pennsylvania | - | $346.37 |
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 | $ | $202.05 |
Infinity vs. Motorists Mutual: Rates by Homeownership
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.
| Comparison | Infinity | Encova |
|---|---|---|
| Year Founded | 1955 | 1928 (Motorists Insurance Group) |
| Market Share | 0.59% | |
| A.M. Best Rating | A | A- |
| Financial Strength | Excellent | Excellent |
| Moody's Rating | A2 | |
| NAIC Complaint Index | 2.73 | |
| NAIC Complaint Ratio | 0.18 | |
| S&P Rating | A |
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.
| Insurance | Infinity | Encova |
|---|---|---|
| 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.
| Infinity | Encova |
|---|---|
| Anti-theft Discount | Anti-Theft Devices Discount |
| Credit Rating Discount | Driver Training Discount |
| Education Discount | EFT Discount |
| Electronic Payment | Empty Nester Discount |
| Homeowners/Renters Discount | Excellent Driving Record Discount |
| Low Mileage Discount | Good Student Discount |
| Loyal Customer Discount | Long-Time Customer Discount |
| Marriage Discount | Married Professional Discount |
| Mature Driver Discount | Multi-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
Pros
Infinity
- 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
- 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
Infinity
- Lack of policy information on the website
- Low customer feedback ratings
Encova
- 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 | 2.6 | 57 user reviews |
| Android | 3.7 | 1.2K user reviews |
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
Infinity & Encova Contact Info
| Infinity Contact Info | |
|---|---|
| Address | 2201 4th Avenue North - Birmingham, AL 35203 |
| Phone | 1-800-463-4648 |
| Website | https://www.infinityauto.com/ |
| http://www.facebook.com/InfinityAuto | |
| https://twitter.com/InfinityAuto | |
| Youtube | http://www.youtube.com/InfinityCarInsurance |
| 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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