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

Quick Facts

• Looking at the national averages for car insurance, American Family offers more affordable rates than Mutual of Enumclaw
• American Family may help you save more money -- they offer more discounts than Mutual of Enumclaw
• Mutual of Enumclaw has less expensive prices in ID, OR, and WA

American Family or Mutual of Enumclaw: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to American Family or Mutual of Enumclaw, but which carrier has cheaper premiums for auto insurance?

Looking at nationwide averages, American Family has average rates that are around 14% a month more affordable than those from Mutual of Enumclaw.

Even so, American Family may not be the lowest or best option for every single driver out there. Insurance carriers use all sorts of complex algorithms to determine prices, so depending on how clean your driving record is or how good your credit score is (among a wide array of other factors), you could see wildly different rates from the ones above.

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

American Family vs. Mutual of Enumclaw: Average Car Insurance Rates by State

American Family and Mutual of Enumclaw only compete against each other in three states, with American Family offering less expensive premiums to the average driver in all of them. If you live in Oregon, Mutual of Enumclaw is the cheaper of the two companies when looking at the overall average rates. American Family is the more affordable option in Idaho and Washington.

That being said, there's a lot more that goes into your car insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group out there on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use American Family save almost 10% per month compared to those who use Mutual of Enumclaw. It's worth noting that American Family offers insurance in 16 different states compared to Mutual of Enumclaw's three, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your prices lower significantly by the time you turn 25. For example, average rates for American Family policyholders reduce over 60% and Mutual of Enumclaw's premiums drop nearly 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise rates.

But who has the best premiums for retired drivers between American Family and Mutual of Enumclaw? In this case, American Family has the slight edge, with rates about $5 a month less than Mutual of Enumclaw. But the difference is only around 5%, so other variables (like where you live or your credit score) will likely come into play when determining which carrier has the cheapest prices for you.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for those who are single than they are for married couples. That's because policies for married drivers normally cover more than one vehicle, which many companies will give you a discount for.

For single policyholders, the difference in average rates between these two carriers is significant, with American Family prices coming in at about 15% less than Mutual of Enumclaw's. For married policyholders, the advantage is clear again - American Family has the edge when it comes to average premiums.

American Family or Mutual of Enumclaw: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will usually end up paying a little more.

On average, men see prices around 3% per month higher with American Family, and about 8% more with Mutual of Enumclaw.

Looking at the data for each company specifically, American Family offers the lowest average rates for both men and women. On average, male drivers save about $25 a month and women save around $17 with American Family compared to the average Mutual of Enumclaw policyholder.

American Family vs. 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.

It's no secret that auto insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, American Family has the edge, with average monthly premiums coming in at $96. If you want a full coverage policy with the same state minimum limits, American Family again has the edge, with policies averaging about $185 per month to Mutual of Enumclaw's $207.

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

You've probably seen plenty of commercials from car insurance companies offering great prices 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 at-fault accidents and speeding tickets lead to higher rates, but which carrier -- American Family or Mutual of Enumclaw -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Family for their insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a bit more drastic of an increase of about 29%.

If you have gotten a ticket, American Family tends to offer the best rates at around 5% cheaper, while Mutual of Enumclaw has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Mutual of Enumclaw raising by about 40%. American Family has a less extreme rise, but you can still expect to pay nearly 15% more than you were prior to your first accident.

At the end of the day, drivers who use American Family end up with the cheaper prices after an accident, with average premiums coming in at $138 compared to Mutual of Enumclaw's $183.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Mutual of Enumclaw increases average prices by more than $90 a month -- that's more than a 45% increase.

American Family has the overall cheapest rates for drivers with a DUI on their records at $158 a month, but it's worth noting that American Family's average rates come from 16 states compared to just three for Mutual of Enumclaw, so the data may be skewed slightly.

How does Credit Score Impact American Family 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 true for everyone (for example, Michigan and California are two states that ban the practice entirely), but it does affect lots of drivers out there.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

Looking at American Family and Mutual of Enumclaw specifically, which one has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, American Family will usually reward you the most. For policyholders with "excellent" credit scores, American Family comes in over 21.26 more affordable. Drivers with "good" credit scores generally save around 16% with American Family compared to average prices from Mutual of Enumclaw.

Which Company is Best for Drivers with Bad Credit?

American Family typically offers lower premiums than Mutual of Enumclaw when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 10% per month less with American Family compared to Mutual of Enumclaw, and those with "poor" scores typically save an average of around 8% monthly.

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

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. Normally, the more milage you put on your car each year, the more you can expect to pay for insurance.

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 prices for American Family, with policyholders who drive 6,000 miles yearly paying about $5 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, American Family is the cheaper company.

American Family or Mutual of Enumclaw: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for auto insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

American Family boasts the most affordable average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, American Family Insurance's average rates are around $3 less than Mutual of Enumclaw. People who live in suburban areas pay about $39 less with American Family compared to Mutual of Enumclaw. Those in rural areas can expect to save around $22 with American Family compared to Mutual of Enumclaw.

American Family vs. Mutual of Enumclaw Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American Family and Mutual of Enumclaw so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

American Family knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Mutual of Enumclaw.

Both carriers offer a lot of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student -- but American Family also offers discounts for advance quote, connect partner, COVID-19 relief, and more.

On the other hand, Mutual of Enumclaw has a few proprietary discounts of their own like AAA discounts and good driving discounts.

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is American Family or Mutual of Enumclaw the best carrier for you and your specific driver profile?

American Family might be best for you if....

• You will be the only person on the auto insurance policy.
• You don't spend much time in your car.

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

• You have a clean record.
• You like the personalized touch of a small, local carrier.

Hopefully, this guide helps you get a good idea of the differences between American Family 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 insurance.

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

American Family vs. Mutual of Enumclaw FAQs

Is American Family or Mutual of Enumclaw cheaper?

American Family is the less expensive of the two carriers when looking at national average premiums, with policies averaging $140 a month with American Family and $162 for Mutual of Enumclaw. However, that doesn't mean American Family will be the lowest company for every driver, since there are several different variables that come into play when it comes to your car insurance bill.

Who is better, American Family or Mutual of Enumclaw?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do American Family and Mutual of Enumclaw offer me different rates?

Auto insurance companies use several different factors when determining the prices they charge. Variables such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Mutual of Enumclaw calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of 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 ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't American Family or Mutual of Enumclaw at all, but another you hadn't even thought of!

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.