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

Quick Facts

• Looking at the national averages for insurance, Mutual of Enumclaw offers cheaper rates than California Casualty
• California Casualty may help you save more money -- they offer more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs

California Casualty or Mutual of Enumclaw: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to California Casualty or Mutual of Enumclaw, but between the two, which carrier has more affordable rates for auto insurance?

Looking at nationwide averages, California Casualty is around $39 more a month than Mutual of Enumclaw.

However, Mutual of Enumclaw may not be the cheapest or best option for every single driver out there. Insurance carriers vary their premiums depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and a ton of other factors, so prices will differ quite a bit from person to person.

So, if you want to find out which of California Casualty or Mutual of Enumclaw is really the best for you, keep reading to see average premiums for each company broken down by a variety of different rate factors.

California Casualty vs. Mutual of Enumclaw: Average Car Insurance Rates by State

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

There's a lot more that goes into your car insurance bill than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. That's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

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 Mutual of Enumclaw for their insurance pay over 20% less than those who use California Casualty.

Even so, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. For example, average rates for California Casualty policyholders decrease almost 60% and Mutual of Enumclaw's prices drop nearly 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest car insurance rates out there. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can raise premiums.

So, which carrier offers the best prices to retired drivers? Mutual of Enumclaw gets the edge, with premiums for drivers 65 and older $37 cheaper than the national average for California Casualty.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance prices than married policyholders. That's typically because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average rates between these two companies is significant, with Mutual of Enumclaw prices coming in at about 15% less than California Casualty's. The advantage for married drivers with Mutual of Enumclaw is also obvious, where drivers save around $40 per month.

California Casualty or Mutual of Enumclaw: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for insurance than women.

Men typically pay almost 10% more a month than women with California Casualty, and about 8% more with Mutual of Enumclaw.

Looking at the data for each company specifically, Mutual of Enumclaw comes out on top for both men and women. On average, male drivers save about $41 per month and women save around $38 with Mutual of Enumclaw compared to the average California Casualty policyholder.

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

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Mutual of Enumclaw has the slight edge, with average monthly premiums coming in at $116. If you want a full coverage policy with the same state minimum limits, Mutual of Enumclaw again has the edge, with policies averaging about $207 a month to California Casualty's $281.

Is California Casualty 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 accidents and speeding tickets lead to higher prices, but which carrier -- California Casualty 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 California Casualty for their insurance can generally expect their monthly bill to go up around 19% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a bit more drastic of an increase of about 29%.

That being said, Mutual of Enumclaw tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering rates that are 20% and 9% less expensive, respectively, compared to California Casualty.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through California Casualty can expect to see around an $61 -- or about 31% -- rise in their car insurance prices. Drivers who use Mutual of Enumclaw for their insurance will see a monthly bill around $74 (or 40%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, drivers who use Mutual of Enumclaw end up with the cheaper prices after an accident, with average premiums coming in at $183 compared to California Casualty's $198.

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 car insurance bill. California Casualty drivers usually see a 54% increase in their insurance rates after a DUI charge, while Mutual of Enumclaw will normally raise prices by about 46%.

But if you end up with a DUI charge and are looking for more affordable premiums, Mutual of Enumclaw tends to be more affordable for the average driver, with monthly premiums coming in at around $200 to California Casualty's $300.

How does Credit Score Impact California Casualty and Mutual of Enumclaw Rates?

Did you know many auto insurance companies take your credit score into account when determining rates? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect lots of drivers out there.

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

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Mutual of Enumclaw will typically reward you the most. For policyholders with "excellent" credit scores, Mutual of Enumclaw comes in NaN cheaper. Drivers with "good" credit scores normally save about 18% with Mutual of Enumclaw compared to average prices from California Casualty.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower rates than California Casualty when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 25% per month less with Mutual of Enumclaw compared to California Casualty, and those with "poor" scores generally save an average of about 23% a month.

Is California Casualty 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. That's because the fewer miles you put on your car, 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 pretty significant difference in monthly premiums for California Casualty, with policyholders who drive the least paying around $25 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Mutual of Enumclaw is the less expensive company.

California Casualty or Mutual of Enumclaw: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance cost. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

When comparing these two carriers side-by-side, Mutual of Enumclaw normally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $21 with Mutual of Enumclaw compared to California Casualty. People who live in suburban areas pay around $48 less with Mutual of Enumclaw compared to California Casualty. For drivers in urban ZIP codes, Mutual of Enumclaw's average rates are about $49 less than California Casualty.

California Casualty vs. Mutual of Enumclaw Discounts

No matter 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 you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both California Casualty and Mutual of Enumclaw so that you can see which one can save you the most money each month.

California Casualty blows Mutual of Enumclaw away when it comes to the sheer amount of discounts available, offering six more discounts than Mutual of Enumclaw.

Both companies offer several of the same discounts -- like discounts for being a good driver, multi-policy discounts, and renewal discounts -- but California Casualty also offers discounts for ABS, driver training, education, and more.

On the other hand, Mutual of Enumclaw has a few proprietary discounts of their own for things like AAA discounts, anti-theft discounts, defensive driver discounts, and more.

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

So, we've broken down the average prices for many of the variables insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is California Casualty or Mutual of Enumclaw the best company for you and your specific profile and needs?

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

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You drive fewer than 6,000 miles each year.

California Casualty might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between California Casualty and Mutual of Enumclaw and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just California Casualty 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 quotes from some of the best car insurance carriers in your area, all for free.

California Casualty vs. Mutual of Enumclaw FAQs

Is California Casualty or Mutual of Enumclaw cheaper?

Mutual of Enumclaw is the more affordable of the two companies when looking at national average rates, with policies averaging $162 a month with Mutual of Enumclaw and $201 for California Casualty. But that doesn't mean Mutual of Enumclaw will be the most affordable carrier for everyone, since there are a bunch of different factors that are considered when it comes to your insurance payment.

Who is better, California Casualty or Mutual of Enumclaw?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

Why do California Casualty and Mutual of Enumclaw offer me different rates?

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

How do I know if California Casualty 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 multiple 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 most affordable price. And maybe you'll find that the best carrier for you isn't California Casualty 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.