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

Quick Facts

• In general, Mutual of Enumclaw offers significantly more affordable rates than Chubb
• Chubb offers more discounts than Mutual of Enumclaw
• Mutual of Enumclaw tends to be a much less expensive option for drivers who have received a ticket within the last few years

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

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering pretty big discounts. But exactly how much can you save by switching?

You might have narrowed it down to Chubb or Mutual of Enumclaw, but between the two, which carrier will offer you cheaper premiums?

As you can see, Mutual of Enumclaw is quite a bit cheaper than Chubb, with rates averaging $162 per month compared to $291 with Chubb when looking at the national average rates for auto insurance.

However, that doesn't mean Mutual of Enumclaw will necessarily be more affordable than Chubb for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things), so prices could differ drastically from person to person.

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

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

Chubb and Mutual of Enumclaw only compete against each other in one states, with Chubb offering less expensive prices to the average driver in all of them. Washington has the most noticable difference, where Chubb premiums are over 30% cheaper than insurance rates at Mutual of Enumclaw.

That being said, there's a lot more that goes into your auto insurance bill than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, 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 auto insurance pay nearly $300 less than those who use Chubb.

But both carriers will offer you dramatically lower prices once you turn 25. Mutual of Enumclaw offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Chubb's average rates lower almost 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which carrier offers the best rates to retired drivers? Mutual of Enumclaw gets the edge, with prices for drivers 65 and older more than 40% less expensive than the national average for Chubb.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance rates than married drivers. That's generally because married policyholders tend to own and insure more than one car, 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 about $145 a month cheaper than Chubb, on average. The advantage for married couples with Mutual of Enumclaw is also obvious, where drivers save over 45% per month.

Chubb vs. Mutual of Enumclaw: Average Rates by Gender

Women normally to pay less for car insurance than men. This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim.

Men typically pay more than $10 a month more than women with Chubb, and nearly $15 with Mutual of Enumclaw.

Looking at overall affordability, Mutual of Enumclaw offers the lowest average rates for both men and women. On average, women save about $130 per month and men save around $128 with Mutual of Enumclaw compared to the average Chubb policyholder.

Chubb 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.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different limits 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 an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Mutual of Enumclaw generally offers significantly more affordable prices of $116 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Mutual of Enumclaw again has the edge, with policies about $200 a month cheaper than Chubb, on average.

Is Chubb 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 insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your premiums, but is Chubb or Mutual of Enumclaw less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb policyholders can expect their rates to go up an average of $38 per month if they get a ticket, while Mutual of Enumclaw normally raises premiums around $45 a month, on average.

Even so, Mutual of Enumclaw has more affordable prices for drivers in both categories -- their rates are around 51% cheaper for drivers with clean records and 41% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Mutual of Enumclaw increasing by just under $75. Chubb has a less extreme increase, but you can still expect to pay over $65 more than you were prior to your first collision.

Overall, Mutual of Enumclaw offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $183 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than a collision or speeding ticket. For example, Chubb increases average rates by more than $150 per month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable prices, Mutual of Enumclaw tends to be the much less expensive option with average premiums of $200 a month compared to $389 from Chubb.

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

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of drivers.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper prices.

Looking specifically at Chubb and Mutual of Enumclaw, which one has the lowest premiums for drivers 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. Policyholders with "excellent" credit can save nearly 25% compared to Chubb, and those with "good" scores can also expect to see savings -- about $54 or 27% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower rates than Chubb when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $72 a month less with Mutual of Enumclaw compared to Chubb, and those with "poor" scores generally save an average of about $347 monthly.

Is Chubb 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 considerable impact on your monthly car insurance cost? Typically, those who drive less will end up with less expensive prices since there's less of a chance of getting into an accident 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 Chubb, with drivers who put 6,000 miles on their car each year paying around $10 less every month compared to those who drive 12,000 miles yearly. Still, Mutual of Enumclaw is the cheaper option for drivers in both categories.

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

Where you park your vehicle can have a substantial impact on your monthly auto insurance payment. Normally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

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

For policyholders in urban ZIP codes, Mutual of Enumclaw offers rates about $169 per month compared to Chubb's $360. People who live in suburban ZIP codes can expect to pay around $173 per month for Mutual of Enumclaw and $260 for Chubb. Lastly, those in rural areas tend to get the most affordable prices from both companies, with average monthly premiums coming in at $143 and $252 for Mutual of Enumclaw and Chubb respectively.

Chubb 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 utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

In the table below, we've compared all of the different discounts offered by Chubb and Mutual of Enumclaw so that you can find the company that has the most discounts and, therefore, the biggest savings.

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

There are a couple discounts both carriers offer, but Chubb also offers ABS discounts, driver training discounts, driver-vehicle combination 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 and discounts for being a good driver.

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

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, which carrier is the best one for you and your specific profile and needs?

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

• You want to save money on your car insurance after a collision.
• You're looking for more protection with "full coverage" auto insurance.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Chubb might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Chubb and Mutual of Enumclaw and that you can now make a more informed decision when it comes to 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 multiple companies, not just Chubb and Mutual of Enumclaw. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Chubb vs. Mutual of Enumclaw FAQs

Is Chubb or Mutual of Enumclaw cheaper?

Looking just at the national average premiums, Mutual of Enumclaw is the less expensive of the two companies, offering average rates of $162 a month compared to $291 for Chubb. That being said, Mutual of Enumclaw won't necessarily be the cheapest company for each driver, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or Mutual of Enumclaw?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every driver -- it all depends on the makeup of your unique car insurance profile.

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

Insurance carriers take a look at quite a few different factors when calculating the rates they charge drivers. Variables like gender, your driving record, age, where you call home, and sometimes even things like your credit score can all come into play. Both Chubb and Mutual of Enumclaw calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Chubb 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Chubb 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.