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

Wondering if Foremost or Mutual of Enumclaw is the best insurance carrier for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
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Quick Facts

  • In general, Mutual of Enumclaw offers significantly more affordable prices than Foremost
  • Foremost may help you save more money -- they offer more discounts than Mutual of Enumclaw
  • Mutual of Enumclaw offers more affordable premiums for policyholders whose driving record contains an at-fault collision

Foremost or 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 large savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Foremost or Mutual of Enumclaw, but which company will offer you less expensive rates?

Foremost Mutual of Enumclaw

Looking at the national average rates for both carriers, Foremost has average rates that are around 40% a month more expensive than those from Mutual of Enumclaw.

Even so, that doesn't mean Mutual of Enumclaw will necessarily be cheaper than Foremost for every driver. Auto insurance companies vary their prices depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a ton of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Foremost or Mutual of Enumclaw is really the best for you, keep reading to see average rates for each company broken down by a bunch of different rate factors.

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

State Foremost Mutual of Enumclaw

Foremost and Mutual of Enumclaw only compete against each other in one 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 prices are $15 more affordable than car insurance rates at Foremost.

There's a lot more that goes into your insurance bill than just the state you live in. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Foremost Mutual of Enumclaw
18-year-old drivers$572$350
25-year-old drivers$228$158

Teen drivers will almost always have the most expensive car insurance premiums of any group out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Mutual of Enumclaw save over 40% per month compared to those who use Foremost.

However, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Foremost policyholders reduce about $350 and Mutual of Enumclaw's premiums drop almost $200 over that time.

Which is the Best Company for Retired Drivers?

Foremost Mutual of Enumclaw
65+-year-old drivers$219$112

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

So, which carrier offers the best prices to retired drivers? Mutual of Enumclaw gets the edge here, with average premiums coming in at around $112 per month compared to Foremost's $219.

Which is the Best Company for Married Drivers?

Foremost Mutual of Enumclaw

Married policyholders tend to get slightly cheaper car insurance rates than single drivers. That's because policies for married drivers usually cover multiple vehicles, which a lot of companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Mutual of Enumclaw premiums coming in at a third less than Foremost's. The advantage is also clear for married couples - Mutual of Enumclaw offers the lowest average prices.

Foremost or Mutual of Enumclaw: Average Rates by Gender

Foremost Mutual of Enumclaw

Men tend to pay more for auto insurance than women. This is because men are statistically more likely than women to get tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher rates.

Usually, women see premiums about 1% a month less with Foremost, but with Mutual of Enumclaw, the difference is closer to 8% per month.

Looking at overall affordability, Mutual of Enumclaw comes out on top for both men and women. On average, women save about $113 a month and men save around $104 with Mutual of Enumclaw compared to the average Foremost policyholder.

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

Foremost Mutual of Enumclaw
State Minimum*$173$116
Full Coverage**$366$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.

It's no secret that insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Mutual of Enumclaw has the significant edge, with average monthly prices 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 per month to Foremost's $366.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two companies offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Foremost Mutual of Enumclaw
Clean Record$202$109
1 Speeding Ticket$258$154

Policyholders who use Foremost for their auto insurance can generally expect their monthly bill to go up around 22% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a bit more drastic of an increase of about 29%.

But Mutual of Enumclaw is typically the less expensive option for both drivers who have clean records and those with a recent ticket -- their rates are around 46% more affordable for drivers with clean records and 40% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Foremost Mutual of Enumclaw
Clean Record$202$109
1 At-Fault Accident$381$183

After an accident, drivers who have their car insurance through Foremost can expect to see around an $179 -- or about 47% -- rise in their insurance rates. Drivers who use Mutual of Enumclaw for their auto insurance will see a monthly bill around $74 (or 40%) more expensive after reporting an accident to their car insurance company.

At the end of the day, the more affordable prices come from Mutual of Enumclaw, with average rates coming in at $183 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

Foremost Mutual of Enumclaw
Clean Record$202$109
1 DUI$238$200

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Mutual of Enumclaw will increase your premiums about 46% after a DUI, while Foremost's average rates increase by more than 15%.

But if you end up with a DUI charge and are looking for more affordable premiums, Mutual of Enumclaw tends to be less expensive for the average driver, with monthly premiums coming in at around $200 to Foremost's $238.

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

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for quite a few 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 prices.

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

Which Company is Best for Drivers with Good Credit?

Foremost Mutual of Enumclaw
Excellent Credit Score$236$127
Good Credit Score$261$143

Which Company is Best for Drivers with Bad Credit?

Foremost Mutual of Enumclaw
Fair Credit Score$277$157
Poor Credit Score$306$219

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

Foremost Mutual of Enumclaw
6,000 Annual Miles$270$162
12,000 Annual Miles$270$162

How much you drive can have a large impact on your monthly insurance cost. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

In this case, neither Foremost or Mutual of Enumclaw report increasing prices for drivers with higher annual mileage figures. 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 annually, with average premiums of $162 a month for both.

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

Where you park your car can have a substantial impact on your monthly car insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

Foremost Mutual of Enumclaw
Urban Areas$318$169
Suburban Areas$287$173
Rural Areas$205$143

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

Those in rural areas can expect to save about 30% with Mutual of Enumclaw compared to Foremost. People who live in suburban areas pay around 40% less with Mutual of Enumclaw compared to Foremost. For drivers in urban ZIP codes, Mutual of Enumclaw's average rates are about 47% less than Foremost Insurance Group.

Foremost 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 insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Foremost and Mutual of Enumclaw offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Foremost Mutual of Enumclaw
AAA Discount 
Advance Quote Discount 
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount
EFT Discount 
Good Driving Discount
Good Student Discount 
Minor Child Discount 
Multi-Car/Single Driver Discount 
Multi-Policy Discount
Paid In Full Discount 
Paperless Discount 
Prior Carrier Discount 
Renewal Discount 

Looking at the total number of discounts, Foremost comes out ahead with 12 discounts to Mutual of Enumclaw's eight.

There are a couple discounts both carriers offer, but Foremost also offers discounts for advance quote, EFT, minor child, and more.

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

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

You've seen the role certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which carrier is the best carrier for you and your specific profile and needs?

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

  • You have an at-fault accident on your record.
  • Your credit score is high.
  • You're of retirement age and want to take advantage of lower prices.

Foremost might be best for you if...

  • You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Foremost and Mutual of Enumclaw and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Foremost and Mutual of Enumclaw. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

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Foremost vs. Mutual of Enumclaw FAQs

Is Foremost or Mutual of Enumclaw cheaper?

Mutual of Enumclaw is the more affordable of the two carriers when looking at national average premiums, with policies averaging $162 per month with Mutual of Enumclaw and $270 for Foremost. That being said, that doesn't mean Mutual of Enumclaw will be the cheapest company for everyone, since there are many different factors that are considered when it comes to your insurance cost.

Who is better, Foremost or Mutual of Enumclaw?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

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

Car insurance companies use several different variables when determining the rates they charge. Factors such as your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be used. Both Foremost and Mutual of Enumclaw calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Foremost 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 several companies and finding the one best suited for your individual budget. Luckily, sites like 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 carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Foremost 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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