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Motorists Mutual insurance review 2022

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Images By Tang Ming Tung/Getty Images
Young dad using smartphone with little daughter
Images By Tang Ming Tung/Getty Images
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Bottom line

Motorists Mutual could be a good fit for drivers who value having a local agent to guide them through their insurance journey. However, the company’s digital tools are lacking and coverage isn’t available nationwide.

Perks Drawbacks
Local agents No mobile app
Numerous auto discounts available No online quoting system
Offers a wide range of insurance products Not available nationwide

Motorists Mutual Insurance Company began in 1928 and, over time, grew to become the Motorists Mutual Insurance Group, reaching a national scale. The carrier has continued to grow and expand over the years. In 2017, it affiliated with BrickStreet Mutual and became Encova Mutual Insurance Group. Combining both companies’ specialties, Encova provides a one-stop shop for insurance policies of all types. In keeping with this goal, the company offers a wide array of policies for auto, home and life. Our Motorists Mutual Insurance review analyzes the company’s offerings to help you decide if the selection of products is right for your needs.

Motorists Mutual car insurance

While we didn’t find Motorists Mutual to be one of the best car insurance companies, it could be a good option if you enjoy having a local agent and are looking for a company that offers numerous savings opportunities. However, auto insurance from Motorists Mutual is only available in Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia, although Motorists (as opposed to Motorists Mutual) has a larger range.

Motorist Mutual car insurance is fairly basic; the website only lists one endorsement option — towing and labor coverage. However, the availability of endorsements may vary by state, so check with an agent in your area for more definitive information about coverage options.

Motorists Mutual car insurance cost

Car insurance from Motorists is usually a bit pricier than average. The national average cost of car insurance is $1,771 per year for full coverage, assuming you have a clean driving record, while Motorists’ average price is $1,965 per year for full coverage. However, minimum coverage costs an average of $418 per year from Motorists, while the national average is $545 annually. Additionally, if you have an at-fault accident on your record, Motorists’ average rate is slightly lower than the national average.

Motorists average annual full coverage premium National average annual full coverage premium
Clean driving history $1,965 $1,771
Speeding ticket conviction $2,222 $2,138
At-fault accident $2,488 $2,521
Adding a 16-year-old driver $4,279 $3,852

Motorist Mutual car insurance discounts

If you are searching for ways to save on your car insurance, Motorists could be a good fit. The company offers some standard discounts that you’d expect from a car insurance company, including savings for bundling your home and auto policies, being a good student and having a vehicle with anti-theft devices. However, the company also has a few more unique savings options:

  • Married professional: Policyholders who are married and work in certain industries may save on their car insurance.
  • Empty nester: If your children have all established their own households, you might benefit from a car insurance discount.

Motorists Mutual car services

Motorists Mutual does not list any additional vehicle services on its website.

Motorists Mutual home insurance

Available in the same states as its auto insurance, Motorists home insurance could be a good choice if you’re looking for a home insurance company that utilizes local agents. However, Motorists doesn’t advertise many home insurance endorsements, so it may not be the best fit if you are looking for a highly customized policy. Coverage options do vary by state, though, and there may be more options available than are listed online.

Motorists Mutual home insurance cost

Rates are not available for Motorists’ home insurance product, but the average cost of home insurance is $1,383 per year for $250,000 in dwelling coverage. Rates will vary based on the coverage level you need, the types of optional coverage you add, your location, your claims history and the details of your home.

Dwelling coverage limit National average annual premium
$150,000 $980
$250,000 $1,383
$350,000 $1,887
$450,000 $2,351
$750,000 $3,414

Motorist Mutual home insurance discounts

Motorists Mutual lists a few discounts on its website, including savings for the age of your home, bundling your auto and home policies, having a high credit rating (where allowed) and having recently renovated one or more of your home’s systems.

Motorist Mutual home services

Motorists Mutual does not appear to offer any additional home services.

Motorists Mutual life insurance

If you’re shopping for a new life insurance company, Motorists could be a convenient option, especially if you have your auto and home policies with the company already. The company is now called “Encova Life” and it offers a unique “Blend” option, which it notes is its most popular life insurance policy. Blend combines whole and term life insurance. For more information on the company’s life insurance offerings, talk with an agent.

Motorists Mutual life insurance endorsements

There are no advertised life insurance endorsements on Motorists Mutual’s website, although it’s likely that add-ons are available. Talk with a local Motorists agent to learn about the endorsement options available.

Motorists Mutual life services

Motorists Mutual does not note any additional life services on its website.

Other Motorists Mutual perks worth considering

In addition to auto, home and life insurance, Motorists also offers the following personal insurance coverage types:

  • Condo
  • Renters
  • Vacation homes
  • Umbrella
  • Recreational vehicles
  • Identity theft

Several types of business insurance are also available, including commercial package coverage, commercial umbrella coverage and workers compensation policies.

Motorists Mutual corporate sustainability

Motorists Mutual has a robust giveback program. The company supports numerous charities, including United Way, Ronald McDonald House and the Mid-Ohio Foodbank. Organizations can submit themselves for consideration on the company’s website. Additionally, Motorists has a scholarship program to help support students. There are six separate scholarship opportunities, all geared toward different types of students.

Not sure if Motorists Mutual is right for you?

Shopping for a home, life or car insurance carrier often means getting multiple quotes to review. If you aren’t quite sure if Motorists is right for you, consider these options:

  • Erie: Erie operates in 12 states and Washington, D.C., and is active in many of the same states as Motorists. The company is known for its robust policies and its auto insurance Rate Lock feature.
  • Auto-Owners: Operating in about half of the U.S., Auto-Owners could be a good choice if you like bundling all your policies together. On top of the standard discount for bundling home and auto policies, Auto-Owners also offers a discount for bundling with a life insurance policy.
  • State Farm: If having a local agent is appealing, you could take a look at State Farm in addition to Motorists. State Farm has a wide network of agents, and the company sells numerous types of insurance products.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Home

Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor