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

Quick Facts

• Looking at the national averages for car insurance, American National offers significantly cheaper prices than Mutual of Enumclaw
• American National offers more discounts than Mutual of Enumclaw
• American National tends to be a much less expensive option for policyholders who may not have much of a commute

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to American National or Mutual of Enumclaw as potential options, but between the two, which company will offer you more affordable premiums?

As you can see, American National has average rates that are about 45% per month less expensive than those from Mutual of Enumclaw when looking at the national average rates for insurance.

Even so, that doesn't mean American National will necessarily be cheaper than Mutual of Enumclaw for each driver. Auto insurance companies vary their rates depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a variety of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of American National or Mutual of Enumclaw is really the best for you, keep reading to see average rates for each carrier broken down by several different rate factors.

American National or Mutual of Enumclaw: Average Car Insurance Rates by State

American National and Mutual of Enumclaw only compete against each other in one states, with American National offering more affordable prices to the average driver in all of them. Idaho has the most noticable difference, where American National premiums are over 70% less expensive than insurance rates at Mutual of Enumclaw.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have American National for their auto insurance pay more than $150 less than those who use Mutual of Enumclaw.

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

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase rates.

So, which company offers the best prices to retired drivers? American National gets the edge, with rates for drivers 65 and older $46 cheaper than the national average for Mutual of Enumclaw.

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 drivers. This usually boils down to married couples having more than one car on their policy -- something lots of auto insurance carriers will reward with discounts.

When it comes to relationship status, American National is the clear winner for single policyholders, with prices around $88 a month more affordable than Mutual of Enumclaw, on average. The advantage for married policyholders with American National is also obvious, where drivers save more than $55 per month.

American National vs. Mutual of Enumclaw: Average Rates by Gender

You may not know, but car insurance is normally cheaper for women than it is for men. This is because men are statistically more likely than women to get speeding tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

On average, men see prices about $1 a month higher with American National, and around $13 more with Mutual of Enumclaw.

When it comes to the most affordable premiums for each gender, American National offers the lowest average rates for both men and women. On average, male drivers save about $80 per month and women save about $68 with American National compared to the average Mutual of Enumclaw policyholder.

American National 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 a variety of different coverages that account for a bunch of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, American National usually offers significantly cheaper premiums of $52 compared to Mutual of Enumclaw's $116. When it comes to full coverage policies with similar limits, American National again has the edge, with policies around $85 a month less expensive than Mutual of Enumclaw, on average.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault collisions and tickets lead to higher prices, but which carrier -- American National or Mutual of Enumclaw -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American National policyholders can expect their rates to go up an average of $17 per month if they get a ticket, while Mutual of Enumclaw normally raises prices about $45 a month, on average.

That being said, American National tends to offer the best prices for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $42 per month and drivers with a ticket can save about $70 a month with American National Insurance Company.

Which Company is Best for Drivers After an Accident?

American National drivers who get in an accident can expect to see their premiums rise by just under $30, while those who have insurance through Mutual of Enumclaw will see around a $75 increase.

Overall, drivers who use American National end up with the cheaper prices after an accident, with monthly rates averaging $95 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 accident or speeding ticket when it comes to your insurance bill. Mutual of Enumclaw drivers usually see a 46% raise in their auto insurance prices after a DUI charge, while American National will generally climb premiums by about 36%.

If you have a DUI on your record and are looking for more affordable prices, American National tends to be the much more affordable option with average rates of $104 a month compared to $200 from Mutual of Enumclaw.

How does Credit Score Impact American National and Mutual of Enumclaw Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at American National and Mutual of Enumclaw specifically, which carrier has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with American National. Policyholders with "excellent" credit can save just under 60% compared to Mutual of Enumclaw, and those with "good" scores can also expect to see savings -- around $77 or 54% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

American National typically offers lower rates than Mutual of Enumclaw when it comes to drivers with bad credit. Drivers with "fair" credit pay about $71 per month less with American National compared to Mutual of Enumclaw, and those with "poor" scores usually save an average of around $72 per month.

Is American National 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 your monthly insurance payment. Typically, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

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 rates for American National, with policyholders who drive 6,000 miles each year paying about $9 less every month compared to those who drive 12,000 miles annually. Still, American National is the cheaper option for drivers in both categories.

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

Where you park your car can play a pretty big role in how much you pay for auto insurance. Normally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

American National boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both companies, but American National comes out on top with average rates around $73 monthly. American National also has less expensive average prices for drivers in urban and suburban ZIP codes -- a $65 and $88 a month respective difference when compared to Mutual of Enumclaw policyholders in similar areas.

American National vs. Mutual of Enumclaw Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both American National and Mutual of Enumclaw so that you can find the one that has the most discounts and, therefore, the biggest savings.

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

There are a couple discounts both carriers offer, but American National also offers claim free discounts, COVID-19 relief discount, driver training discounts, and more that Mutual of Enumclaw does not.

On the flip side, Mutual of Enumclaw has a couple unique discounts of its own -- AAA discounts, discounts for being a good driver, and renewal discounts.

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

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, is American National or Mutual of Enumclaw the best fit for you?

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

• You have a DUI charge on your record.
• Your home is in a busy urban area.
• You and your spouse are buying auto insurance together.

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

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between American National 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 car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just American National and Mutual of Enumclaw. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

American National vs. Mutual of Enumclaw FAQs

Is American National or Mutual of Enumclaw cheaper?

Looking just at the national average rates, American National is the more affordable of the two carriers, offering average rates of $87 per month compared to $162 for Mutual of Enumclaw. However, American National won't necessarily be the cheapest company for everyone, since there are multiple different variables that come into play when it comes to your auto insurance bill.

Who is better, American National or Mutual of Enumclaw?

Unfortunately, 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 American National and Mutual of Enumclaw offer me different rates?

Car insurance companies take a look at several different factors when determining the prices they charge drivers. Things like age, your driving record, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both American National and Mutual of Enumclaw use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the 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 information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be American National 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.