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

Looking for car insurance and wondering if Farmers or Mutual of Enumclaw is the right carrier for you? If so, you're probably wondering which company has the lowest premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next insurance policy.
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Quick Facts

  • Looking at the national averages for car insurance, Mutual of Enumclaw offers significantly more affordable rates than Farmers
  • Farmers may help you save more money -- they offer more discounts than Mutual of Enumclaw
  • Mutual of Enumclaw has cheaper prices for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record

Farmers 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 hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Farmers or Mutual of Enumclaw as your top options, but which company will offer you less expensive premiums?

Farmers Mutual of Enumclaw

Looking at nationwide averages, Mutual of Enumclaw has average rates that are around 20% a month more affordable than those from Farmers.

Even so, Mutual of Enumclaw may not be the cheapest or best option for every single driver out there. Auto insurance carriers use a variety of complex algorithms to determine prices, so depending on where you live or how old you are (among a multitude of other factors), you could see wildly different rates from the ones above.

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

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

State Farmers Mutual of Enumclaw

Farmers and Mutual of Enumclaw only compete against each other in three states, with Mutual of Enumclaw offering less expensive premiums to the average driver in all of them. If you live in Washington, Farmers is the cheaper of the two companies when looking at the overall average rates. Mutual of Enumclaw is the less expensive option in Idaho and Oregon.

That being said, there's a lot more that goes into your insurance payment than just where you live. Read on to find out more.

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Which is the Best Company For Young Drivers?

Farmers Mutual of Enumclaw
18-year-old drivers$533$350
25-year-old drivers$155$158

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto 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. For example, 18-year-old drivers pay an average of almost 35% less per month by choosing Mutual of Enumclaw over Farmers. It's worth noting that Farmers offers auto insurance in 25 different states compared to Mutual of Enumclaw's three, which can skew the average prices a bit, but the difference here is still considerable.

However, with both carriers, you'll see your rates drop significantly by the time you turn 25. For example, average prices for Farmers policyholders reduce about $400 and Mutual of Enumclaw's rates lower nearly $200 over that time.

Which is the Best Company for Retired Drivers?

Farmers Mutual of Enumclaw
65+-year-old drivers$143$112

Drivers around retirement age generally enjoy some of the most affordable insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can raise rates.

When looking at Farmers and Mutual of Enumclaw specifically, which company is best for retired drivers? Mutual of Enumclaw gets the edge, with prices for drivers 65 and older $31 more affordable than the national average for Farmers.

Which is the Best Company for Married Drivers?

Farmers Mutual of Enumclaw

Did you know that car insurance premiums are typically more expensive for single policyholders than they are for married couples? That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Mutual of Enumclaw rates coming in at a quarter less than Farmers's. The advantage is also clear for married drivers - Mutual of Enumclaw offers the lowest average premiums.

Farmers or Mutual of Enumclaw: Average Rates by Gender

Farmers Mutual of Enumclaw

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men.

Men normally pay around $7 a month more than women with Farmers, and about $13 more with Mutual of Enumclaw.

Looking at overall affordability, Mutual of Enumclaw offers the most affordable average rates for both men and women. On average, women save about $45 per month and men save around $39 with Mutual of Enumclaw compared to the average Farmers policyholder.

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Farmers vs. Mutual of Enumclaw: Compare State Minimum vs. Full Coverage Rates

Farmers Mutual of Enumclaw
State Minimum*$126$116
Full Coverage**$281$207

*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 can be pretty complicated. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Mutual of Enumclaw has the slight edge, with average monthly premiums coming in at $116. If you want a full coverage policy with the same state minimum limits, Mutual of Enumclaw again has the edge, with policies averaging about $207 a month to Farmers's $281.

Is Farmers 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 at-fault collisions and speeding tickets lead to higher premiums, but which carrier -- Farmers 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?

Farmers Mutual of Enumclaw
Clean Record$162$109
1 Speeding Ticket$206$154

Policyholders who use Farmers for their auto insurance can usually 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%.

That being said, Mutual of Enumclaw has cheaper rates for drivers in both categories, offering premiums that are 33% and 25% more affordable, respectively, compared to Farmers Insurance.

Which Company is Best for Drivers After an Accident?

Farmers Mutual of Enumclaw
Clean Record$162$109
1 At-Fault Accident$224$183

Both companies will increase prices pretty significantly if you get into an at-fault collision with Mutual of Enumclaw raising by around 40%. Farmers has a less extreme climb, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, drivers who use Mutual of Enumclaw end up with the cheaper prices after an accident, with average rates coming in at $183 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

Farmers Mutual of Enumclaw
Clean Record$162$109
1 DUI$221$200

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Mutual of Enumclaw increases average premiums by more than $90 per month -- that's more than a 45% increase.

Mutual of Enumclaw has the overall most affordable prices for drivers with a DUI on their records at $200 monthly, but it's worth noting that Farmers's average rates come from 25 states compared to just three for Mutual of Enumclaw, so the data may be skewed slightly.

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

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance rates. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it will come into play for several drivers.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Farmers and Mutual of Enumclaw specifically, which carrier has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Farmers Mutual of Enumclaw
Excellent Credit Score$164$127
Good Credit Score$185$143

If you have a solid credit score, Mutual of Enumclaw will typically reward you the most. For policyholders with "excellent" credit scores, Mutual of Enumclaw comes in just under 22.56 less expensive. Drivers with "good" credit scores usually save about 23% with Mutual of Enumclaw compared to average rates from Farmers.

Which Company is Best for Drivers with Bad Credit?

Farmers Mutual of Enumclaw
Fair Credit Score$209$157
Poor Credit Score$256$219

Mutual of Enumclaw typically offers lower prices than Farmers when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 25% a month less with Mutual of Enumclaw compared to Farmers, and those with "poor" scores normally save an average of about 14% per month.

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Is Farmers or Mutual of Enumclaw Better for Drivers who Work from Home or Have Short Commutes?

Farmers Mutual of Enumclaw
6,000 Annual Miles$203$162
12,000 Annual Miles$203$162

Did you know that the amount of time you spend in your car have a substantial impact on your monthly premiums? That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

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

Farmers 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 insurance, but the type of area you live in can have a large impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads where they live.

Farmers Mutual of Enumclaw
Urban Areas$251$169
Suburban Areas$189$173
Rural Areas$170$143

Mutual of Enumclaw tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around $27 with Mutual of Enumclaw compared to Farmers. People who live in suburban areas pay about $16 less with Mutual of Enumclaw compared to Farmers. For drivers in urban ZIP codes, Mutual of Enumclaw's average rates are around $82 less than Farmers Insurance.

Farmers vs. Mutual of Enumclaw Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Farmers and Mutual of Enumclaw so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Farmers Mutual of Enumclaw
AAA Discount 
ABS Discount 
Advance Quote Discount 
Alternative Fuel Discount 
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
EFT Discount 
ESC Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Life Policy Discount 
Loyalty Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount

Farmers knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Mutual of Enumclaw's eight.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good driver -- but Farmers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, Mutual of Enumclaw has a few proprietary discounts of their own like AAA discounts and renewal discounts.

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

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, is Farmers or Mutual of Enumclaw the best one for you and your specific driver profile?

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

  • You have a clean driving record, free of accidents, tickets, or DUIs.
  • You already have a great credit score.
  • You've started working from home and don't have much of a commute.

Farmers might be best for you if...

  • You value the experience that comes with a large national insurance carrier.
  • You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Farmers 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Farmers and Mutual of Enumclaw. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

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Farmers vs. Mutual of Enumclaw FAQs

Is Farmers or Mutual of Enumclaw cheaper?

Mutual of Enumclaw is the cheaper of the two companies when looking at national average prices, with policies averaging $162 a month with Mutual of Enumclaw and $203 for Farmers. Even so, that doesn't mean Mutual of Enumclaw will be the cheapest company for each driver, since there are lots of different variables that come into play when it comes to your auto insurance cost.

Who is better, Farmers or Mutual of Enumclaw?

Unfortunately, the real answer is "it depends.". One carrier is not "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

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

Insurance carriers use a lot of different factors when determining the rates they charge. Things like gender, age, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Farmers and Mutual of Enumclaw use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

How do I know if Farmers 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, makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Farmers or Mutual of Enumclaw at all, but another you hadn't even thought of!


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.

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