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Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Oct 16, 2022 Bankrate logo The Bankrate promise
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. At a glance
Not rated Bankrate Score Home 0.0 Auto 0.0 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. 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. Pros and Cons Quick Look Pros Local agents Numerous auto discounts available Offers a wide range of insurance products Cons No mobile app No online quoting system Not available nationwide Avg. annual auto insurance premium for full coverage: $1,965 Avg. annual auto insurance premium for min coverage: $418 Answer a few questions to see personalized rates from top carriers 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 , 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 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 - 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 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 , Motorists could be a good fit. The company offers some standard discounts that you'd expect from a car insurance company, including savings for , 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 discount Policyholders who are married and work in certain industries may save on their car insurance Empty nester discount If your children have all established their own households, you might benefit from a car insurance discount Motorists Mutual does not list any additional vehicle services on its website. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions Quick facts on average this year by shopping for new car insurance Rates vary by state The average American pays for auto insurance Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More 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 that utilizes local agents. However, Motorists doesn't advertise many , 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 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. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Motorists Mutual life insurance
If you're shopping for a new , Motorists could be a convenient option, especially if you have your auto and home policies with the company already. The company is now called "" and it offers a unique "" 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 . 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 often means getting multiple quotes to review. If you aren’t quite sure if Motorists is right for you, consider these options: : 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. : 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. : 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. Compare rates and save on auto insurance today! Get quotes Close X On This Page
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