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

Quick Facts

• Based on national averages for auto insurance, Cig offers significantly more affordable prices than Mutual of Enumclaw
• Cig has cheaper premiums for residents of suburban areas
• Cig offers less expensive average rates for policyholders who live in rural neighborhoods

Cig 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 large savings. But exactly how much can you save by switching?

You might have narrowed it down to Cig or Mutual of Enumclaw for your next policy, but between the two, which carrier will save you the most?

Looking at nationwide averages, Cig has average rates that are around 25% a month more affordable than those from Mutual of Enumclaw.

That being said, that doesn't necessarily mean Cig will be the cheaper option for every single driver. After all, insurance carriers can offer drastically different rates to every 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 will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both Cig and Mutual of Enumclaw by multiple different rate factors, so read on to find out which carrier is the best for you.

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

Cig and Mutual of Enumclaw only compete against each other in two states, with Cig offering less expensive prices to the average driver in all of them. Oregon has the most noticable difference, where Cig premiums are $76 cheaper than auto insurance rates at Mutual of Enumclaw.

But there's more to calculating car insurance premiums than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. 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 insurance. As you can see above, teens who use Cig save over 30% per month compared to those who use Mutual of Enumclaw.

However, with both companies, you'll see your prices decrease significantly by the time you turn 25. For example, average rates for Cig policyholders lower more than 50% and Mutual of Enumclaw's premiums reduce almost 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Cig and Mutual of Enumclaw specifically, which company is best for retired drivers? Cig gets the edge, with premiums for drivers 65 and older $26 less expensive than the national average for Mutual of Enumclaw.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are generally more expensive for those who are single than they are for married couples? This usually boils down to married policyholders having more than one vehicle on their policy -- something many car insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Cig premiums coming in at a quarter less than Mutual of Enumclaw's. The advantage for married drivers with Cig is also obvious, where drivers save nearly 25% a month.

Cig or Mutual of Enumclaw: Average Rates by Gender

Men typically pay more for insurance than women. That's because men are more likely to get into collisions and get tickets, which raises the chances of filing a claim with insurance.

Men usually pay about $4 per month more than women with Cig, and around $13 more with Mutual of Enumclaw.

When it comes to the most affordable rates for each gender, Cig offers the cheapest average prices for both men and women, with average premiums $47 less for men and $38 cheaper for women.

Cig 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.

Car insurance can be a complicated subject for most people. There are many different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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

Looking specifically at state minimum liability limits, Cig has the significant edge, with average monthly rates coming in at $71. If you want a full coverage policy with the same state minimum limits, Cig again has the edge, with policies averaging about $166 a month to Mutual of Enumclaw's $207.

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

You've probably seen plenty of commercials from 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.

It's no secret secret that accidents and speeding tickets lead to higher rates, but which carrier -- Cig or Mutual of Enumclaw -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cig for their auto insurance can normally expect their monthly bill to go up around 21% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a bit more drastic of an increase of about 29%.

Even so, Cig tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering premiums that are 19% and 27% more affordable, respectively, compared to Mutual of Enumclaw.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault collision with Mutual of Enumclaw raising by around 40%. Cig has a less extreme increase, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, the less expensive premiums come from Cig, with average rates coming in at $118 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 car insurance bill. For example, Mutual of Enumclaw increases average premiums by more than $90 per month -- that's over a 45% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Cig tends to be more affordable for the average driver, with monthly premiums coming in at about $157 to Mutual of Enumclaw's $200.

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

Did you know many 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 auto insurance factor, but it will come into play for several drivers.

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

Looking at Cig and Mutual of Enumclaw specifically, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Cig will generally reward you the most. For drivers with "excellent" credit scores, Cig comes in nearly 38.58 cheaper. Drivers with "good" credit scores normally save around 34% with Cig compared to average rates from Mutual of Enumclaw.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower prices than Mutual of Enumclaw when it comes to drivers with bad credit. Drivers with "fair" credit pay about 25% a month less with Cig compared to Mutual of Enumclaw, and those with "poor" scores usually save an average of around 21% a month.

Is Cig 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 insurance companies will charge for coverage. That's because the more milage you drive, the more 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 rates for Cig, with policyholders who drive the least paying about $12 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Cig is the more affordable company.

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

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more cars on the road where they live, which increases the chances of an accident.

Cig boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, CIG Insurance's average rates are around 24% less than Mutual of Enumclaw. People who live in suburban areas pay about 29% less with Cig compared to Mutual of Enumclaw. Those in rural areas can expect to save around 26% with Cig compared to Mutual of Enumclaw.

Cig 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 car insurance discounts as possible.

The hard part is finding all of the discounts you can take advantage of, 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 looked at all of the different discounts Cig and Mutual of Enumclaw offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Cig knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Mutual of Enumclaw's eight.

There are a couple discounts both carriers offer, but Cig also offers discounts for ABS, advance quote, company car, and more.

On the other hand, Mutual of Enumclaw has a proprietary discount of their own -- a AAA discounts.

Final Thoughts: Is Cig 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 carrier offers, too. That's all well and good, but at the end of the day, is Cig or Mutual of Enumclaw the right company for you and your specific driver profile?

Cig might be best for you if....

• You have a speeding ticket on your driving record.
• Your home is located in the suburbs.
• You want to save money while purchasing insurance for a teenager.

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

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

Hopefully, this guide helps you get a good idea of the differences between Cig and Mutual of Enumclaw. We also hope we've given you the information you need to make the best decision about your car insurance.

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

Cig vs. Mutual of Enumclaw FAQs

Is Cig or Mutual of Enumclaw cheaper?

Cig is the less expensive of the two companies when looking at national average premiums, with policies averaging $119 per month with Cig and $162 for Mutual of Enumclaw. But that doesn't mean Cig will be the most affordable company for every driver, since there are a bunch of different variables that come into play when it comes to your insurance payment.

Who is better, Cig or Mutual of Enumclaw?

Sadly, the only answer we can give you is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

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

Insurance carriers use lots of different factors when calculating the prices they charge. Variables such as age, where you call home, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Cig and Mutual of Enumclaw calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Cig 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 several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. 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 rate. And maybe you'll find that the best company for you isn't Cig 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.