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Westfield vs. Encova Insurance
Which insurance provider is right for you? Compare discounts, ratings, and quotes from Westfield and Encova.
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- Westfield vs Motorists Mutual
Westfield vs. Encova: What You Need to Know
Headquartered in Westfield Center, Ohio, Westfield Insurance has been in business for nearly 170 years and is ranked amongst the 50 largest property and casualty insurers in the country. Over 900 independent insurance agencies represent Westfield insurance across the country. Westfield Insurance provides commercial insurance in 21 states and personal insurance in 10. They also offer surety services in all 50 states. In 2014, the company was named as a Top Workplace in Northeast Ohio. In 2015, it was named Top Workplace in central Ohio. Westfield Services provides service and training support for independent insurance agencies. Westfield Bank is a subsidiary of Westfield Insurance and offers services to businesses and individuals.
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 Westfield Overview and Motorists Mutual Overview.
Westfield vs. Motorists Mutual: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Westfield and Motorists Mutual. On average, Westfield charges approximately $191.75 per month while Motorists Mutual comes in at around $181.48 per month. For Westfield, the cheapest state average is Ohio at $109.31 per month and the most expensive is Michigan at $212.11 per month. For Motorists Mutual, the cheapest state average is Ohio at $109.90 per month and the most expensive is Pennsylvania at $390.54 per month.
Average Rate
Average Rate
Average Rate
| State | Westfield | Motorists Mutual |
|---|---|---|
| Indiana | $118.17 | $159.30 |
| Kentucky | $188.05 | $162.62 |
| Michigan | $212.11 | - |
| Ohio | $109.31 | $109.90 |
| Pennsylvania | - | $390.54 |
| Tennessee | $188.81 | - |
| West Virginia | - | $291.44 |
Westfield 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 Westfield and Motorists Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Westfield | Motorists Mutual |
|---|---|---|
| 1 Vehicle | $188.32 | $181.23 |
| 2 Vehicles | $371.06 | $ |
Westfield 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 Westfield charges $192.31 per month and Motorists Mutual charges $182.72 per month for customers who own their home.
| Own/Rent | Westfield | Motorists Mutual |
|---|---|---|
| Own | $192.31 | $182.72 |
| Rent | $191.69 | $181.38 |
What is Westfield and Encova Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Westfield and Encova ranked among the industry ratings.
| Comparison | Westfield | Encova |
|---|---|---|
| Year Founded | 1864 | 1928 (Motorists Insurance Group) |
| A.M. Best Rating | A | A- |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 9.62 | 0.18 |
Westfield or Encova: Insurance Products Offered
What coverage is available through Westfield and Encova? Both insurance companies offer Auto, Home, Motorcycle, and RV insurance. Additional products from Encova insurance also includes Commercial, Condo, Life, and Renters insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Westfield and Motorists Mutual Insurance page.
| Insurance | Westfield | Encova |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Condo Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
Westfield or Encova: Ways To Save
Encova offers a wide range of discounts to its policyholders, including Driver Training, EFT, and Empty Nester discounts. However, Westfield also offers a few discounts that Encova doesn’t, including Prior Carrier, Next Generation, and Loyalty discounts. Start taking advantage of discounts offered by insurance providers like Encova and Westfield insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Westfield | Encova |
|---|---|
| Account Relationship Discount | Anti-Theft Devices Discount |
| Companion Car Discount | Driver Training Discount |
| Company Car Discount | EFT Discount |
| Defensive Driver Discount | Empty Nester Discount |
| Family Discount | Excellent Driving Record Discount |
| Good Student Discount | Good Student Discount |
| Loss-free Discount | Long-Time Customer Discount |
| Loyalty Discount | Married Professional Discount |
| Multi-Policy Discount | Multi-policy Discount |
| Next Generation Discount | |
| Prior Carrier Discount |
Pros & Cons of Westfield & Encova
Pros
Westfield
- The company boasts more than $4.9 billion in consolidated assets
- The company is one of the top 50 largest insurers in the country
- Westfield Insurance has been in business for over 170 years.
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
Westfield
- A high number of complaints by consumers.
- Car insurance is only available in ten states: Minnesota, Wisconsin, Ohio, Iowa, Illinois, Indiana, Pennsylvania, West Virginia, Kentucky, and Tennessee.
Encova
- Encova doesn’t have a mobile app.
Westfield or Encova Mobile Apps Options
| Westfield Mobile App | ||
|---|---|---|
| Westfield does not currently have a mobile app. | ||
| Encova Mobile App | ||
|---|---|---|
| Encova does not currently have a mobile app. | ||
Westfield & Encova Contact Info
| Westfield Contact Info | |
|---|---|
| Address | One Park Circle, Westfield Center, OH 44251 |
| Phone | 1 (800) 243-0210 |
| Website | https://www.westfieldinsurance.com/ |
| https://www.facebook.com/Westfield1848/ | |
| https://www.linkedin.com/company/westfield1848 | |
| Youtube | https://www.youtube.com/watch?v=b2rW8nBValk |
| 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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