Auto-owners vs. Mutual of Enumclaw: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Mutual of Enumclaw offers slightly less expensive premiums than Auto-owners
• Auto-owners may help you save more money -- they offer more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable rates for policyholders who have a clean record

Auto-owners or Mutual of Enumclaw: Which Company has the Cheapest Car Insurance?

Are you considering 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 might have narrowed your search down to Auto-owners or Mutual of Enumclaw as your top options, but between the two, which one has more affordable prices for auto insurance?

As you can see, Auto-owners is around $17 more a month than Mutual of Enumclaw when looking at the national average rates for car insurance.

That being said, Mutual of Enumclaw may not be the lowest or best option for every driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so rates will differ quite a bit from person to person.

Wanting to know if Auto-owners or Mutual of Enumclaw is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Auto-owners vs. Mutual of Enumclaw: Average Car Insurance Rates by State

Auto-owners and Mutual of Enumclaw only compete against each other in one states, with Auto-owners offering cheaper rates to the average driver in all of them. Idaho has the most noticable difference, where Auto-owners prices are $32 more affordable than car insurance premiums at Mutual of Enumclaw.

But there's more to calculating auto insurance prices than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their insurance pay almost 10% less than those who use Auto-owners. It's worth noting that Auto-owners offers car insurance in 23 different states compared to Mutual of Enumclaw's three, which can skew the average rates a bit, but the difference here is still considerable.

However, both companies will decrease premiums by the time drivers turn 25. Mutual of Enumclaw offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Auto-owners's average rates drop nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best premiums for retired drivers between Auto-owners and Mutual of Enumclaw? Mutual of Enumclaw gets the edge, with prices for drivers 65 and older over 15% cheaper than the national average for Auto-owners.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically more expensive for single policyholders than they are for married couples? This usually boils down to married drivers having multiple vehicles on their policy -- something several insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is not very significant, with Mutual of Enumclaw rates coming in at about 10% less than Auto-owners's. The advantage for married policyholders is more obvious, where drivers who use Mutual of Enumclaw save more than 10% per month.

Auto-owners or Mutual of Enumclaw: Average Rates by Gender

Did you know women usually pay less for auto insurance than men? That's because women are less likely to get into collisions and get speeding tickets, which decreases the chances of filing a claim with insurance.

Typically, women see prices around 6% a month less with Auto-owners, and about 8% less with Mutual of Enumclaw.

Looking at the data for each company specifically, Mutual of Enumclaw offers the lowest average premiums for both men and women. On average, male drivers save about $17 per month and women save around $19 with Mutual of Enumclaw compared to the average Auto-owners policyholder.

Auto-owners 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 car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common 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 includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

When it comes to state minimum liability insurance, Auto-owners has the edge, while Mutual of Enumclaw offers the most affordable average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $15 with Auto-Owners Insurance, while full coverage comes out to be about $55 less expensive with Mutual of Enumclaw.

Is Auto-owners or Mutual of Enumclaw Better for Drivers with Spotty Records?

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

Collisions and speeding tickets will most likely raise your premiums, but is Auto-owners or Mutual of Enumclaw cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Auto-owners for their car insurance can normally expect their monthly bill to go up around 27% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a bit more drastic of an increase of about 29%.

But Mutual of Enumclaw tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering rates that are 10% and 7% more affordable, respectively, compared to Auto-Owners Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Mutual of Enumclaw increasing by around 40%. Auto-owners has a less extreme climb, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, the less expensive premiums come from Auto-owners, with average rates coming in at $168 compared to Mutual of Enumclaw's $183.

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 speeding ticket or even an accident. Auto-owners drivers usually see a 54% climb in their insurance prices after a DUI charge, while Mutual of Enumclaw will typically increase rates by about 46%.

Mutual of Enumclaw has the overall cheapest premiums for drivers with a DUI on their records at $200 per month, but it's worth noting that Auto-owners's average rates come from 23 states compared to just three for Mutual of Enumclaw, so the data may be skewed slightly.

How does Credit Score Impact Auto-owners and Mutual of Enumclaw Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for quite a few policyholders.

The reasoning auto insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking at Auto-owners and Mutual of Enumclaw specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Auto-owners will usually reward you the most. For drivers with "excellent" credit scores, Auto-owners comes in more than 25.2 less expensive. Drivers with "good" credit scores typically save around 10% with Auto-owners compared to average prices from Mutual of Enumclaw.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower premiums than Auto-owners when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 11% a month less with Mutual of Enumclaw compared to Auto-owners, and those with "poor" scores generally save an average of around 31% a month.

Is Auto-owners 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? That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file 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 premiums for Auto-owners, with drivers who put 6,000 miles on their vehicle annually paying about $1 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Mutual of Enumclaw is the cheaper carrier.

Auto-owners or 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 car insurance, but the type of area you live in can have a large impact as well. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer cars on the roads where they live.

When comparing these two companies side-by-side, Mutual of Enumclaw usually comes out as the less expensive option for drivers in rural and urban areas, while Auto-owners wins in suburban areas.

Those in rural areas can expect to save around $21 with Mutual of Enumclaw compared to Auto-owners. People who live in suburban areas pay about $4 less with Auto-owners compared to Mutual of Enumclaw. For policyholders in urban ZIP codes, Mutual of Enumclaw's average rates are around $36 less than Auto-Owners Insurance.

Auto-owners vs. Mutual of Enumclaw Discounts

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

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Auto-owners and Mutual of Enumclaw so that you can find the company that has the most discounts and, therefore, the largest savings.

Auto-owners blows Mutual of Enumclaw away when it comes to the sheer amount of discounts available, offering 24 different discounts to Mutual of Enumclaw's eight.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good driver. Auto-owners also offers discounts for ABS, advance quote, company car, and more.

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

Final Thoughts: Is Auto-owners or Mutual of Enumclaw Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best one for you, your vehicle, and your wallet?

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

• You like the personalized touch of a small, regional carrier.
• You have less-than-stellar credit.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Auto-owners might be best for you if...

• You want to save money on your auto insurance after an accident.
• You're looking for the company with the most discounts.
• Your home is located in the suburbs.

Hopefully, this guide has ben a valuable resource as you compare Auto-owners and Mutual of Enumclaw. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple companies, not just Auto-owners and Mutual of Enumclaw. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Auto-owners vs. Mutual of Enumclaw FAQs

Is Auto-owners or Mutual of Enumclaw cheaper?

Mutual of Enumclaw is the more affordable of the two companies when looking at national average premiums, with policies averaging $162 per month with Mutual of Enumclaw and $179 for Auto-owners. However, that doesn't mean Mutual of Enumclaw will be the lowest carrier for every policyholder, since there are a bunch of different factors that are considered when it comes to your insurance bill.

Who is better, Auto-owners or Mutual of Enumclaw?

Sadly, the answer truly is "it depends.". Neither company is necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like. For example, Auto-owners is cheaper for drivers with excellent credit, while Mutual of Enumclaw offers less expensive prices for drivers with a recent DUI.

Why do Auto-owners and Mutual of Enumclaw offer me different rates?

Auto insurance carriers use many different variables when calculating the premiums they charge. Factors like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Auto-owners and Mutual of Enumclaw calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Auto-owners or Mutual of Enumclaw is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers 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 quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Auto-owners 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.