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

Quick Facts

• Based on national averages for auto insurance, Mutual of Enumclaw offers significantly cheaper rates than Encompass
• Encompass offers more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable prices for residents in Idaho, Oregon, and Washington

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

Are you considering a new insurance policy? 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 Encompass or Mutual of Enumclaw, but between the two, which one has less expensive rates for insurance?

As you can see, Encompass is quite a bit more expensive than Mutual of Enumclaw, with premiums averaging $466 per month compared to just $162 with Mutual of Enumclaw when looking at the national average rates for auto insurance.

Even so, that doesn't mean Mutual of Enumclaw will necessarily be more affordable than Encompass for each driver. Car insurance companies vary their prices depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and tons of other factors, so rates will vary quite a bit from person to person.

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

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

Encompass and Mutual of Enumclaw only compete against each other in two states, with Mutual of Enumclaw offering less expensive premiums to the average driver in all of them. Washington has the most noticable difference, where Mutual of Enumclaw rates are over 70% more affordable than auto insurance premiums at Encompass.

But there's more to calculating car insurance prices than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group out there on the road. The reason is that 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 car insurance. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their auto insurance pay more than $500 less than those who use Encompass. It's worth noting that Encompass offers insurance in 31 different states compared to Mutual of Enumclaw's three, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Encompass policyholders drop over $500 and Mutual of Enumclaw's rates decrease nearly $200 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 lowest premiums you'll ever see.

When looking at Encompass and Mutual of Enumclaw specifically, which company is best for retired drivers? Mutual of Enumclaw gets the edge, with rates for drivers 65 and older more than 65% cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single drivers than they are for married couples. This usually boils down to married policyholders having several cars on their policy -- something quite a few auto insurance companies will reward with discounts.

When it comes to relationship status, Mutual of Enumclaw is the clear winner for those who are single, with prices about $379 a month more affordable than Encompass, on average. The advantage is also clear for married drivers - Mutual of Enumclaw offers the cheapest average premiums.

Encompass 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 car insurance men will usually end up paying a little more.

Men normally pay around $25 per month more than women with Encompass, while with Mutual of Enumclaw, the difference is closer to $13 a month.

Looking at overall affordability, Mutual of Enumclaw offers the most affordable average rates for both men and women, with average prices $309 less for men and $299 cheaper for women.

Encompass 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, auto insurance isn't the easiest topic to understand. There are several different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, the 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 a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Mutual of Enumclaw generally offers significantly cheaper rates of $116 compared to Encompass's $302. When it comes to full coverage policies with similar limits, Mutual of Enumclaw again has the edge, with policies about $400 per month less expensive than Encompass, on average.

Is Encompass 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Encompass policyholders can expect their prices to go up an average of $61 a month if they get a ticket, while Mutual of Enumclaw typically raises rates around $45 per month, on average.

Even so, Mutual of Enumclaw is generally the cheaper option for both drivers who have a recent speeding ticket and those with clean records, offering prices that are $118 and $134 more affordable, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Encompass can expect to see about an $101 -- or around 31% -- increase in their insurance premiums. Drivers who use Mutual of Enumclaw for their car insurance will see a monthly bill about $74 (or 40%) more expensive after reporting an accident to their insurance carrier.

Overall, the less expensive prices come from Mutual of Enumclaw, with monthly premiums averaging $183 compared to Encompass Insurance's $328.

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 car insurance bill. Encompass drivers usually see a 78% raise in their auto insurance rates after a DUI charge, while Mutual of Enumclaw will typically increase premiums by around 46%.

Mutual of Enumclaw has the overall lowest rates for drivers with a DUI on their records at $200 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just three for Mutual of Enumclaw, so the data may be skewed slightly.

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

In many cases, your credit score can be used as one of the factors to calculate your monthly car insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

Auto 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, policyholders with good credit will often be rewarded with cheaper rates.

So, which company offers the most affordable premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Mutual of Enumclaw. Policyholders with "excellent" credit can save just under 65% compared to Encompass, and those with "good" scores can also expect to see savings -- about $253 or 64% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower prices than Encompass when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $313 a month less with Mutual of Enumclaw compared to Encompass, and those with "poor" scores usually save an average of about $428 a month.

Is Encompass 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 how much insurance companies will charge for coverage? Normally, the more miles you drive, the more you can expect to pay for coverage.

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 Encompass, with policyholders who drive 6,000 miles yearly paying around $2 less every month compared to those who drive 12,000 miles each year. Still, Mutual of Enumclaw is the more affordable option for drivers in both categories.

Encompass vs. 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, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Mutual of Enumclaw usually comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable prices from both companies, but Mutual of Enumclaw comes out on top with average premiums about $143 per month. Mutual of Enumclaw also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a $391 and $261 per month respective difference when compared to Encompass drivers in similar areas.

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

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

Encompass knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 26 different discounts to Mutual of Enumclaw's eight.

There are a couple discounts both carriers offer, but Encompass also offers ABS discounts, advance quote discounts, driver training 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 renewal discounts.

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

So, you've seen how different variables can affect your car insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Encompass or Mutual of Enumclaw the right company for you and your specific profile and needs?

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

• You're single and purchasing auto insurance by yourself.
• Your neighborhood is in the suburbs.
• You've started working from home and don't have much of a commute.

Encompass might be best for you if...

• You value the experience that comes with a large national insurance company.
• You care about discounts (Encompass offers the most).

We hope this guide helps you get a better idea of the difference between Encompass 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 several companies, not just Encompass and Mutual of Enumclaw. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Encompass vs. Mutual of Enumclaw FAQs

Is Encompass or Mutual of Enumclaw cheaper?

Looking just at the national average prices, Mutual of Enumclaw is the more affordable of the two companies, offering average rates of $162 a month compared to $466 for Encompass. But Mutual of Enumclaw won't necessarily be the lowest carrier for everyone, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Encompass or Mutual of Enumclaw?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique insurance profile.

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

Auto insurance carriers take a look at many different variables when calculating the premiums they charge policyholders. Factors such as age, where you call home, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Mutual of Enumclaw calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Encompass or Mutual of Enumclaw is right for me?

The only way to find the car insurance company 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 make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Encompass 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.