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Encova Insurance: Overview

Encova was formed after two companies Motorists Insurance Group and Brickstreet were merged and rebranded.

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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.

Motorists Insurance Group was founded in 1928 by Carl Crispin and Vic Donahey, along with four other businessmen, who shared philosophy of putting their policyholders first. Brickstreet was established in 2006 as West Virginia’s first private workers’ compensation carrier. Both companies sold insurance products through independent insurance agents, who now continue to write insurance policies for Encova.

Encova is now a super-regional carrier, writing premiums in 29 states and ranking in the top 20 mutual companies in the United States. The company is represented by more than 17,000 independent agents in more than 2,000 agencies across the country. Encova’s community efforts through Motorists Group Foundation include supporting local causes such as helping children succeed, eradicating cancer and supporting industry initiatives.

Encova Facts & Ratings

Year Founded	1928 (Motorists Insurance Group)
Financial Strength	Excellent
NAIC Complaint Ratio	0.18

Encova Mobile App Rating

Encova does not currently have a mobile app.

Pros & Cons of Encova Insurance

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.

Encova doesn’t have a mobile app.

Common Questions about Encova

What is Encova Insurance?

Encova Insurance is a company headquartered in Columbus, Ohio, which sells a variety of insurance products through its agents and agencies across multiple states and Washington D.C. It was formed by two companies Motorists Insurance Group and Brickstreet.

Who is Encova affiliated with?

Encova was formed after two companies Motorists Insurance Group and Brickstreet were merged and rebranded.

What states does Encova cover?

Envoca covers 29 states, including: Alabama, Arkansas, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky,Minnesota, Michigan, Nebraska, Missouri, Maine, New Hampshire, Massachusetts, New Jersey, Maryland, Ohio, Pennsylvania, North Carolina, Tennessee, Rhode Island, South Carolina, Vermont, Virginia, Washington DC, West Virginia and Wisconsin.

Is Motorists Mutual the same as BrickStreet Insurance?

Motorists Insurance Group and Brickstreet Insurance have merged and are called Envoca Insurance Company. Both companies continue to be owned by their policyholders.

What coverage does the Encova auto insurance offer?

Encova auto insurance offers the following coverage options:

Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Comprehensive Coverage
Collision Coverage
Medical Payments
Towing and Labor

Does Encova offer auto insurance discounts?

Encova offers auto insurance discounts, such as:

Multi-policy Discount
EFT Discount
Married Professional Discount
Empty Nester Discount
Excellent Driving Record Discount
Good Student Discount
Long-Time Customer Discount
Driver Training Discount
Anti-Theft Devices Discount

What is Encova roadside assistance?

Encova offers towing and labor coverage that you can add to your car insurance policy. This coverage reimburses you for the cost to tow your car or for the service to get it running again.

What coverage does Encova offer to homeowners?

Encova offers some coverage options which include a variety of items and scenarios: Coverage for your personal possessions such as clothing, furniture, appliances and electronics. For liability, if you are responsible for injury or damage to another person or their property. This may include coverage for injury or damage caused by your household pets. Medical Payments. Coverage for fire, theft, vandalism, hail and windstorm. Coverage for detached garages, workshops or yard barns. Replacement cost coverage on your furniture and personal possessions. Coverage for your personal valuables, such as jewelry, furs, silver, golf equipment and collectibles.

How to save on home insurance with Encova?

Encova offers some discounts options to help you to save money, including: Age of your home discount. Recent renovation discount, such as updating the roof, wiring or plumbing. Excellent credit rating discount. Bundling discount.

Is Encova commercial insurance good?

Encova offers superior commercial insurance. Customers have given Encova a 3.35 rating out of 5 stars. Also, 74% of policyholders indicated they are likely to renew their policy with Encova and 78% would recommend the company to a friend.

What coverages does the Encova cover for business owners?

Encova offers a Commercial Package for business owners that includes the following: Liability coverage for products, employee dishonesty and theft, faulty work, slips/falls and injuries on your premises and regulatory non-compliance. Business Property, which also includes stock and furniture. Commercial Auto, which protects your company from auto accidents and injuries or damage while loading and unloading vehicles.

Encova Insurance Products

ATV Insurance	Car Insurance
Commercial Auto Insurance	Commercial Property
Condo Insurance	Cyber Liability Insurance
Golf Cart Insurance	Identity Theft Insurance
Life Insurance	Motorcycle Insurance
Personal Valuables Insurance	Renters Insurance
Recreational Vehicles Insurance	Scooter Insurance
Seasonal Home Insurance	Snowmobile Insurance

Encova Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments

This protection covers you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Towing & Labor

This coverage sends assistance if you have a roadside breakdown.

Discounts

Multi-policy Discount	EFT Discount
Married Professional Discount	Empty Nester Discount
Excellent Driving Record Discount	Good Student Discount
Long-Time Customer Discount	Driver Training Discount
Anti-Theft Devices Discount

Motorists Mutual Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Motorists Mutual. On average, Motorists Mutual charges approximately $268.45 per month. The cheapest state average is Ohio at $116.07 per month followed by Indiana at $145.40 per month. The most expensive state average is Pennsylvania at $289.44 per month.

State	Avg monthly rate
IN	$145.40
KY	$159.44
OH	$116.07

State	Avg monthly rate
PA	$289.44
WV	$236.46

Motorists Mutual Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Motorists Mutual charges for drivers who have more than 1 vehicle.

Number of Vehicles	Avg Monthly Rate
1 Vehicle	$253.71
2 Vehicles	$347.37

Motorists Mutual Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Motorists Mutual charges $264.87 per month for drivers who own their home and $269.73 per month for those who rent.

Own/Rent	Avg Monthly Rate
Own	$264.87
Rent	$269.73

Encova Contact Info

Address	471 E. Broad St. Columbus, OH 43215
Phone	1-800-876-6642
Website	https://www.encova.com/
Facebook	https://www.facebook.com/MotoristsInsuranceGroup
Linkedin	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.

How Does Encova Compare to Other Car Insurance Companies?

Encova vs 21st Century	Encova vs American National
Encova vs Direct Auto	Encova vs Grinnell
Encova vs Hartford	Encova vs Meemic
Encova vs Pekin	Encova vs Pemco

About the Author

Fran Majidi
Insurance Expert

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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