Pay Bill

Payment Options

Encova makes it easy to pay your premium by offering several convenient options – from immediate, one-time credit card payments to our recurring payment program that automatically applies premium payments to your checking account or credit card. 

Please have your policy number ready. Note that all payments made after 2 p.m. ET will be processed the following business day.

We accept Visa, MasterCard and Discover credit cards.

One-Time Payment

One-time payments can be made with a credit card, debit card or checking account. Commercial lines insurance policy down payments are also accepted.

Pay By Phone

Use our automated system anytime to make a payment over the phone using your credit card, debit card or checking account.


Pay By Mail

Mail your payment to the following address. Make checks payable to Motorists Insurance.

Encova Insurance
P.O. Box 431
Charleston, WV 25322-0431