Allstate vs. Mutual of Enumclaw: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Mutual of Enumclaw offers more affordable premiums than Allstate
• Allstate offers more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers cheaper average rates for drivers with a DUI charge on their record

Allstate vs. Mutual of Enumclaw: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering sizable discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Allstate or Mutual of Enumclaw, but which one will offer you less expensive prices?

Looking at the national average rates for both companies, Mutual of Enumclaw is about $37 per month cheaper than Allstate.

Even so, that doesn't mean Mutual of Enumclaw will necessarily be more affordable than Allstate for each driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both Allstate and Mutual of Enumclaw by a variety of different rate factors, so read on to find out which company is the best for you.

Allstate or Mutual of Enumclaw: Average Car Insurance Rates by State

Allstate and Mutual of Enumclaw only compete against each other in three states, with Mutual of Enumclaw offering cheaper rates to the average driver in all of them. Oregon has the most noticable difference, where Mutual of Enumclaw premiums are over 30% more affordable than insurance prices at Allstate.

There are plenty of other factors that go into your auto insurance cost than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their insurance pay nearly $100 less than those who use Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Mutual of Enumclaw's three, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both companies, you'll see your prices lower significantly by the time you turn 25. Mutual of Enumclaw offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average premiums decrease almost 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest auto insurance prices you can find. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase rates.

But who has the best prices for retired drivers between Allstate and Mutual of Enumclaw? Mutual of Enumclaw gets the edge, with premiums for drivers 65 and older more than 25% less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are generally cheaper for married drivers than they are for single policyholders? That's typically because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Mutual of Enumclaw is the clear winner for those who are single, with premiums around $38 a month more affordable than Allstate, on average. For married policyholders, the advantage is clear again - Mutual of Enumclaw has the edge when it comes to average prices.

Allstate vs. Mutual of Enumclaw: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to auto insurance men will usually end up paying a little more.

Normally, women see rates about 4% per month less with Allstate, and around 8% less with Mutual of Enumclaw.

When it comes to the most affordable premiums for each gender, Mutual of Enumclaw comes out as the cheapest option for both genders. On average, women save about $39 a month and men save about $35 with Mutual of Enumclaw compared to the average Allstate policyholder.

Allstate or Mutual of Enumclaw: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with liability).

In this case, Allstate offers the most affordable average prices for state minimum liability limits, while Mutual of Enumclaw has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Allstate, while full coverage comes out to be around $80 less expensive with Mutual of Enumclaw.

Is Allstate or Mutual of Enumclaw Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that tickets and collisions lead to higher prices, but which carrier -- Allstate or Mutual of Enumclaw -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 per month if they get a ticket, while Mutual of Enumclaw usually raises prices about $45 a month, on average.

But Mutual of Enumclaw has more affordable premiums for drivers in both categories. Drivers with a clean record can save around $47 per month and drivers with a speeding ticket can save about $29 a month with Mutual of Enumclaw.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Allstate can expect to see around an $73 -- or about 32% -- increase in their insurance rates. Drivers who use Mutual of Enumclaw for their auto insurance will see a monthly bill around $74 (or 40%) more expensive after reporting an accident to their insurance company.

Overall, Mutual of Enumclaw offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $183 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Mutual of Enumclaw will climb your premiums about 46% after a DUI, while Allstate's average prices increase by over 30%.

Mutual of Enumclaw has the overall lowest premiums for drivers with a DUI on their records at $200 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just three for Mutual of Enumclaw, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Mutual of Enumclaw Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for many policyholders.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Allstate and Mutual of Enumclaw, which company has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Mutual of Enumclaw. Drivers with "excellent" credit can save more than 10% compared to Allstate, and those with "good" scores can also expect to see savings -- around $29 or 17% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower prices than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $46 per month less with Mutual of Enumclaw compared to Allstate, and those with "poor" scores normally save an average of around $56 a month.

Is Allstate or Mutual of Enumclaw Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on your monthly rates? Generally, the more miles you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mutual of Enumclaw charges. However, there's a small difference in monthly premiums for Allstate, with policyholders who drive 6,000 miles annually paying about $3 less every month compared to those who drive 12,000 miles each year. Still, Mutual of Enumclaw is the cheaper option for drivers in both categories.

Allstate vs. Mutual of Enumclaw: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a pretty big impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Mutual of Enumclaw boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable rates from both companies, but Mutual of Enumclaw comes out on top with average premiums around $143 per month. Mutual of Enumclaw also has less expensive average prices for drivers in urban and suburban ZIP codes -- a 24% and 13% a month respective difference when compared to Allstate policyholders in similar areas.

Allstate vs. Mutual of Enumclaw Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've taken a look at all of the different discounts Allstate and Mutual of Enumclaw offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Mutual of Enumclaw's eight.

There are a couple discounts both carriers offer, but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Mutual of Enumclaw does not.

On the flip side, Mutual of Enumclaw has a unique discount of its own -- a AAA discounts.

Final Thoughts: Is Allstate or Mutual of Enumclaw Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is Allstate or Mutual of Enumclaw the right fit for you?

Mutual of Enumclaw might be best for you if....

• You have a clean record.
• Your neighborhood is in the suburbs.
• You drive fewer than 12,000 miles yearly.

Allstate might be best for you if...

• You're planning on moving to another state soon -- Mutual of Enumclaw only offers policies in three states.
• You're looking for the carrier with the most discounts.
• You want basic car insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Allstate and Mutual of Enumclaw. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Allstate and Mutual of Enumclaw. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Allstate vs. Mutual of Enumclaw FAQs

Is Allstate or Mutual of Enumclaw cheaper?

Looking just at the national average premiums, Mutual of Enumclaw is the more affordable of the two carriers, offering average rates of $162 per month compared to $199 for Allstate. That being said, Mutual of Enumclaw won't necessarily be the cheapest company for every policyholder, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Mutual of Enumclaw?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Allstate and Mutual of Enumclaw offer me different rates?

Car insurance companies take a look at quite a few different factors when calculating the prices they charge drivers. Variables such as gender, age, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be used. Both Allstate and Mutual of Enumclaw use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different carriers.

How do I know if Allstate or Mutual of Enumclaw is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Allstate or Mutual of Enumclaw at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.