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

Quick Facts

• Looking at the national averages for auto insurance, Mutual of Enumclaw offers significantly more affordable rates than Dairyland
• Dairyland offers more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable prices for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might be considering Dairyland or Mutual of Enumclaw as your top options, but between the two, which company will save you the most?

Looking at nationwide averages, Dairyland is quite a bit more expensive than Mutual of Enumclaw, with premiums averaging $256 per month compared to just $162 with Mutual of Enumclaw.

But that doesn't mean Mutual of Enumclaw will necessarily be cheaper than Dairyland for every driver. Insurance companies use all sorts of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among a variety of other factors), you could see wildly different premiums from the ones above.

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

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

Dairyland and Mutual of Enumclaw only compete against each other in two states, with Dairyland offering less expensive prices to the average driver in all of them. If you live in Idaho, Dairyland is the more affordable of the two carriers when looking at the overall average premiums. Mutual of Enumclaw is the cheaper option in Oregon.

There are plenty of other factors that go into your auto insurance payment than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Mutual of Enumclaw save more than $150 a month compared to those who use Dairyland.

However, both companies will offer you dramatically lower rates once you turn 25. For example, average prices for Dairyland policyholders drop over 55% and Mutual of Enumclaw's premiums decrease nearly 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

When looking at Dairyland and Mutual of Enumclaw specifically, which company is best for retired drivers? Mutual of Enumclaw gets the edge here, with average prices coming in at about $112 monthly compared to Dairyland's $203.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are normally less expensive for married drivers than they are for single policyholders? That's usually because married couples tend to own and insure multiple cars, 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 around $103 per month cheaper than Dairyland, on average. The advantage for married policyholders with Mutual of Enumclaw is also obvious, where drivers save more than $80 a month.

Dairyland vs. Mutual of Enumclaw: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will normally end up paying a little more.

Men generally pay about 4% more per month than women with Dairyland, while with Mutual of Enumclaw, the difference is closer to 8% a month.

When it comes to the lowest prices for each gender, Mutual of Enumclaw comes out on top for both men and women, with average rates 36% less for men and 38% cheaper for women.

Dairyland 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.

For most people, car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different limits and coverages that it can be hard 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 if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Mutual of Enumclaw typically offers more affordable premiums of $116 compared to Dairyland's $142. When it comes to full coverage policies with similar limits, Mutual of Enumclaw again has the edge, with policies around $150 per month less expensive than Dairyland, on average.

Is Dairyland 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.

It's no secret secret that at-fault collisions and tickets lead to higher rates, but which carrier -- Dairyland or Mutual of Enumclaw -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Dairyland policyholders can expect their premiums to go up an average of $40 a month if they get a ticket, while Mutual of Enumclaw usually raises rates about $45 per month, on average.

Even so, Mutual of Enumclaw is typically the cheaper option for drivers both with clean records and with a speeding ticket -- their rates are around 52% more affordable for drivers with clean records and 42% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault accident with Mutual of Enumclaw raising by just under $75. Dairyland has a less extreme climb, but you can still expect to pay over $70 more than you were prior to your first collision.

Overall, drivers who use Mutual of Enumclaw end up with the cheaper prices after an accident, with monthly premiums averaging $183 compared to Dairyland's $297.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. For example, Mutual of Enumclaw increases average prices by more than $90 a month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable premiums, Mutual of Enumclaw tends to be the much cheaper option with average rates of $200 a month compared to $236 from Dairyland.

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

Did you know that many car insurance carriers take your credit score into account when calculating premiums? This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it does affect quite a few drivers out there.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking at Dairyland and Mutual of Enumclaw specifically, which one has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Mutual of Enumclaw. Policyholders with "excellent" credit can save just under 45% compared to Dairyland, and those with "good" scores can also expect to see savings -- around $101 or 41% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower premiums than Dairyland when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $103 per month less with Mutual of Enumclaw compared to Dairyland, and those with "poor" scores generally save an average of around $80 per month.

Is Dairyland 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 sizable impact on your monthly auto insurance bill? That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither Dairyland or Mutual of Enumclaw report increasing rates for drivers with higher annual mileage figures. That being said, Mutual of Enumclaw comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average prices of $162 a month for both.

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

Where your home is can have a substantial impact on your monthly car insurance cost. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of vehicles that are on the roads in those areas.

Mutual of Enumclaw boasts the lowest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both carriers, but Mutual of Enumclaw comes out on top with average prices about $143 a month. Mutual of Enumclaw also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a $145 and $78 per month respective difference when compared to Dairyland drivers in similar areas.

Dairyland vs. Mutual of Enumclaw Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

In the table below, we've taken a look at all of the different discounts Dairyland and Mutual of Enumclaw offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Overall, Dairyland comes out ahead with 11 discounts to Mutual of Enumclaw's eight.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student -- but Dairyland also offers advance quote discounts, agency transfer discounts, homeowner 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, distant student discounts, discounts for being a good driver, and more.

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

So, we've broken down the average rates for many of the variables insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Dairyland or Mutual of Enumclaw the right carrier for you and your specific needs?

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

• You have a DUI charge on your record.
• You live in an suburban area.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Dairyland 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 Dairyland 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 insurance policy is to compare quotes from several companies, not just Dairyland 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 free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Dairyland vs. Mutual of Enumclaw FAQs

Is Dairyland 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 $256 for Dairyland. However, Mutual of Enumclaw won't necessarily be the most affordable company for each driver, since there are a range of different factors that come into play when it comes to your car insurance payment.

Who is better, Dairyland or Mutual of Enumclaw?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like.

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

Car insurance carriers take a look at several different variables when determining the rates they charge policyholders. Things such as where you live, where you call home, gender, age, and sometimes even things like your credit score can all be used. Both Dairyland and Mutual of Enumclaw calculate prices differently, so each one will most likely offer different premiums. 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 Dairyland 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, sites like Compare.com do 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. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Dairyland 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.