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

Wondering if GEICO or Mutual of Enumclaw is the best car insurance company 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

  • Looking at the national averages for auto insurance, Mutual of Enumclaw offers cheaper prices than GEICO
  • GEICO offers less expensive average premiums for drivers who have received a ticket within the last few years
  • Mutual of Enumclaw offers more affordable rates for couples purchasing car insurance together

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering sizable discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to GEICO or Mutual of Enumclaw, but between the two, which one will save you the most?

GEICO Mutual of Enumclaw

Looking at the national average rates for both companies, Mutual of Enumclaw is about $23 per month more affordable than GEICO.

However, that doesn't necessarily mean Mutual of Enumclaw will be the cheaper option for every single driver. Insurance carriers vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and tons of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

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

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

State GEICO Mutual of Enumclaw

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

There's a lot more that goes into your auto insurance cost than just where you call home. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

GEICO Mutual of Enumclaw
18-year-old drivers$369$350
25-year-old drivers$163$158

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers. It's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their car insurance pay nearly $20 less than those who use GEICO. It's worth noting that GEICO offers insurance in 50 different states compared to Mutual of Enumclaw's three, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both carriers will offer you dramatically lower prices by the time drivers turn 25. Mutual of Enumclaw offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. GEICO's average rates drop more than 55% during that same period.

Which is the Best Company for Retired Drivers?

GEICO Mutual of Enumclaw
65+-year-old drivers$148$112

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

So, which carrier offers the best rates to retired drivers? Mutual of Enumclaw gets the edge here, with average prices coming in at around $112 per month compared to GEICO's $148.

Which is the Best Company for Married Drivers?

GEICO Mutual of Enumclaw

Married drivers tend to get slightly more affordable car insurance premiums than single drivers. This usually boils down to married policyholders having multiple cars on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for those who are single, with prices only differing about $15 a month, on average. But for married couples, the advantage is clear - Mutual of Enumclaw offers the lowest average premiums.

GEICO vs. Mutual of Enumclaw: Average Rates by Gender

GEICO Mutual of Enumclaw

Men are statistically more likely than women to get into collisions and get tickets. That means when it comes to auto insurance men will usually end up paying a little more.

With GEICO, men normally pay around 4% more per month than women., and almost 10% with Mutual of Enumclaw.

When it comes to the cheapest rates for each gender, Mutual of Enumclaw comes out as the most affordable option for both genders, with average prices 11% less for men and 14% cheaper for women.

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

GEICO Mutual of Enumclaw
State Minimum*$101$116
Full Coverage**$269$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.

Car insurance isn't the easiest topic to understand. There are lots of 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.

That being said, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

In this case, GEICO offers the lowest average premiums for state minimum liability limits, while Mutual of Enumclaw has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $15 with GEICO, while full coverage comes out to be about $60 less expensive with Mutual of Enumclaw.

Is GEICO 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.

It's no secret secret that tickets and accidents lead to higher rates, but which company -- GEICO 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?

GEICO Mutual of Enumclaw
Clean Record$115$109
1 Speeding Ticket$150$154

GEICO policyholders can expect their premiums to go up an average of $35 a month if they get a ticket, while Mutual of Enumclaw generally raises rates around $45 per month, on average.

If you have a clean record, Mutual of Enumclaw tends to offer the best prices at about 5% more affordable, while GEICO has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

GEICO Mutual of Enumclaw
Clean Record$115$109
1 At-Fault Accident$200$183

GEICO policyholders who get in an accident can expect to see their premiums increase by $85, while those who have insurance through Mutual of Enumclaw will see around a $75 increase.

Overall, Mutual of Enumclaw offers the lowest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $183 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

GEICO Mutual of Enumclaw
Clean Record$115$109
1 DUI$275$200

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, GEICO will climb your rates about 58% after a DUI, while Mutual of Enumclaw's average prices climb by over 45%.

Mutual of Enumclaw has the overall cheapest rates for drivers with a DUI on their records at $200 monthly, but it's worth noting that GEICO's average rates come from 50 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 GEICO and Mutual of Enumclaw Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it might come into play for a lot of drivers.

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

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

Which Company is Best for Drivers with Good Credit?

GEICO Mutual of Enumclaw
Excellent Credit Score$131$127
Good Credit Score$164$143

If you have a great credit score, you'll usually find a better deal with Mutual of Enumclaw. Policyholders with "excellent" credit can save 3% compared to GEICO, and those with "good" scores can also expect to see savings -- around $21 or 13% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

GEICO Mutual of Enumclaw
Fair Credit Score$197$157
Poor Credit Score$253$219

Mutual of Enumclaw typically offers lower prices than GEICO when it comes to drivers with bad credit. Drivers with "fair" credit pay about $40 a month less with Mutual of Enumclaw compared to GEICO, and those with "poor" scores usually save an average of around $34 a month.

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

GEICO Mutual of Enumclaw
6,000 Annual Miles$181$162
12,000 Annual Miles$189$162

Did you know that the amount of time you spend in your car have a large impact on how much auto insurance companies will charge for coverage? That's because the fewer miles you drive, the less likely you are to get into an accident and cause 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 premiums for GEICO, with policyholders who drive the least paying about $8 less each month compared to those who drive 12,000 miles annually. Still, Mutual of Enumclaw is the less expensive option for drivers in both categories.

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

Where your home is can have a considerable impact on your monthly car insurance payment. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads in those areas.

GEICO Mutual of Enumclaw
Urban Areas$211$169
Suburban Areas$185$173
Rural Areas$159$143

When comparing these two carriers side-by-side, Mutual of Enumclaw normally 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 around $143 per month. Mutual of Enumclaw also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a $42 and $12 per month respective difference when compared to GEICO drivers in similar areas.

GEICO vs. Mutual of Enumclaw Discounts

Regardless of why you might be in the market for a new 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 car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

Below, we've compared all of the different discounts offered by GEICO and Mutual of Enumclaw so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

GEICO Mutual of Enumclaw
AAA Discount 
ABS Discount 
Anti-Theft Discount
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Deployed Driver Discount 
Distant Student Discount
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount

GEICO knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 20 more discounts than Mutual of Enumclaw.

Both carriers offer a lot of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good driver -- but GEICO also offers ABS discounts, commercial drivers license discounts, COVID-19 relief discount, 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.

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

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

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

  • You have an at-fault collision on your record.
  • You're looking for more protection with "full coverage" auto insurance.
  • You're buying car insurance for a teen and looking for a wallet-friendly option.

GEICO might be best for you if...

  • You have a speeding ticket on your driving record.
  • You want to save extra money with discounts.
  • You want basic insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between GEICO and Mutual of Enumclaw. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from several carriers, not just GEICO and Mutual of Enumclaw. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

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GEICO vs. Mutual of Enumclaw FAQs

Is GEICO or Mutual of Enumclaw cheaper?

Looking just at the national average rates, Mutual of Enumclaw is the more affordable of the two carriers, offering average rates of $162 a month compared to $185 for GEICO. But Mutual of Enumclaw won't necessarily be the lowest company for every policyholder, since there are several different variables that are considered when it comes to your insurance bill.

Who is better, GEICO or Mutual of Enumclaw?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

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

Insurance companies take a look at several different factors when determining the prices they charge policyholders. Variables such as gender, age, where you call home, your driving record, and sometimes even things like your credit score can all be used. Both GEICO and Mutual of Enumclaw calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like 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 insurance carriers in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be GEICO or Mutual of Enumclaw at all!


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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