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

Quick Facts

• Looking at the national averages for insurance, Country Financial offers cheaper prices than Mutual of Enumclaw
• Country Financial tends to be a much less expensive option for drivers with a DUI
• Mutual of Enumclaw offers more affordable average premiums for policyholders who live in urban areas

Country Financial or Mutual of Enumclaw: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Country Financial or Mutual of Enumclaw as your top options, but which carrier will save you the most?

Looking at nationwide averages, Mutual of Enumclaw has average rates that are around 15% a month more expensive than those from Country Financial.

But Country Financial may not be the lowest or best option for every driver out there. Auto insurance carriers use tons of complex algorithms to determine prices, so depending on where you live or how good your credit score is (among many other factors), you could see wildly different premiums from the ones above.

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

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

Country Financial and Mutual of Enumclaw only compete against each other in one states, with Country Financial offering less expensive premiums to the average driver in all of them. Oregon has the most noticable difference, where Country Financial rates are $53 more affordable than insurance prices at Mutual of Enumclaw.

That being said, there are plenty of other factors that go into your car insurance payment than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group on the road. It'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.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 25% less per month by choosing Country Financial over Mutual of Enumclaw.

Even so, with both companies, you'll see your premiums reduce significantly by the time you turn 25. For example, average prices for Country Financial policyholders decrease more than 45% and Mutual of Enumclaw's rates lower almost 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

But who has the best premiums for retired drivers between Country Financial and Mutual of Enumclaw? Country Financial gets the slight edge, with rates for drivers 65 and older about 6% cheaper than the national average for Mutual of Enumclaw.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are usually more affordable for married couples than they are for those who are single? That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Country Financial prices coming in at around 15% less than Mutual of Enumclaw's. But for married policyholders, that advantage is much less clear - Country Financial has the edge when it comes to average premiums.

Country Financial or Mutual of Enumclaw: Average Rates by Gender

Women generally to pay less for auto insurance than men. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

Women usually pay about $3 a month less than men with Country Financial, and around $13 less with Mutual of Enumclaw.

When it comes to the lowest prices for each gender, Country Financial comes out as the cheapest option for both genders. On average, women save about $18 per month and men save about $28 with Country Financial compared to the average Mutual of Enumclaw policyholder.

Country Financial 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 insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Country Financial has the significant edge, with average monthly premiums coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging around $194 a month to Mutual of Enumclaw's $207.

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

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

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their insurance can generally expect their monthly bill to go up about 23% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a bit more drastic of an increase of around 29%.

However, Country Financial tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With COUNTRY Financial, drivers with a clean record can save about $4 per month and drivers with a speeding ticket can save around $18 a month.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in a collision can expect to see their premiums rise by over $40, while those who have insurance through Mutual of Enumclaw will see about a $75 increase.

At the end of the day, the cheaper rates come from Country Financial, with average prices coming in at $147 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 ticket when it comes to your auto insurance bill. For example, Mutual of Enumclaw increases average rates by more than $90 per month -- that's more than a 45% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Country Financial tends to be less expensive for the average driver, with monthly premiums coming in at around $165 to Mutual of Enumclaw's $200.

How does Credit Score Impact Country Financial and Mutual of Enumclaw Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

Insurance carriers 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, drivers with good credit will often be rewarded with more affordable prices.

Looking specifically at Country Financial and Mutual of Enumclaw, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Country Financial will normally reward you the most. For drivers with "excellent" credit scores, Country Financial comes in nearly NaN less expensive. Drivers with "good" credit scores usually save about 15% with Country Financial compared to average prices from Mutual of Enumclaw.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Mutual of Enumclaw when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 19% a month less with Country Financial compared to Mutual of Enumclaw, and those with "poor" scores typically save an average of about 14% a month.

Is Country Financial 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 auto insurance companies will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in an accident 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 prices for Country Financial, with policyholders who drive 6,000 miles annually paying around $2 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Country Financial is the cheaper company.

Country Financial 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, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Country Financial boasts the cheapest average rates in rural and suburban areas, while Mutual of Enumclaw wins in urban areas.

For policyholders in urban ZIP codes, Mutual of Enumclaw's average premiums are about 3% less than COUNTRY Financial. People who live in suburban areas pay around 24% less with Country Financial compared to Mutual of Enumclaw. Those in rural areas can expect to save about 24% with Country Financial compared to Mutual of Enumclaw.

Country Financial 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 taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Country Financial and Mutual of Enumclaw so that you can find the one that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Country Financial has a slight advantage when it comes to total number of discounts. Mutual of Enumclaw offers a grand total of eight discounts, while Country Financial has 10.

Both carriers offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a good student, and multi-policy discounts -- but Country Financial also offers discounts for driver training, group discount, occupation discount, and more.

On the other hand, Mutual of Enumclaw has a few proprietary discounts of their own for things like AAA discounts, distant student discounts, good driving discounts, and more.

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

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Country Financial or Mutual of Enumclaw the best carrier for you and your specific needs?

Country Financial might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• Your credit score is high.
• You want to save money while purchasing insurance for a teenager.

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

• Your neighborhood is in a city.

Hopefully, this guide has ben a valuable resource as you compare Country Financial 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 insurance policy is to compare quotes from a handful of companies, not just Country Financial and Mutual of Enumclaw. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Country Financial vs. Mutual of Enumclaw FAQs

Is Country Financial or Mutual of Enumclaw cheaper?

Country Financial is the less expensive of the two companies when looking at national average prices, with policies averaging $138 per month with Country Financial and $162 for Mutual of Enumclaw. That being said, that doesn't mean Country Financial will be the most affordable company for every policyholder, since there are a range of different factors that are considered when it comes to your car insurance bill.

Who is better, Country Financial or Mutual of Enumclaw?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Country Financial and Mutual of Enumclaw offer me different rates?

Car insurance carriers use many different variables when determining the premiums they charge. Factors such as age, your driving record, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Mutual of Enumclaw calculate prices using different variables, 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 lots of different companies.

How do I know if Country Financial 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 multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Country Financial 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.