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

Quick Facts

• In general, General Casualty offers cheaper prices than Mutual of Enumclaw
• General Casualty offers less expensive average premiums for couples purchasing insurance together
• General Casualty tends to be a much more affordable option for policyholders who drive a short distance to work everyday

General Casualty 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 huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to General Casualty or Mutual of Enumclaw for your next policy, but which company has cheaper rates for auto insurance?

Looking at the national average rates for both companies, General Casualty is about $23 per month less expensive than Mutual of Enumclaw.

But General Casualty may not be the most affordable or best option for every single driver out there. Insurance carriers vary their prices depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and tons of other factors, so premiums could change drastically from person to person.

Wanting to know if General Casualty or Mutual of Enumclaw is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

General Casualty or Mutual of Enumclaw: Average Car Insurance Rates by State

General Casualty and Mutual of Enumclaw only compete against each other in one states, with General Casualty offering more affordable premiums to the average driver in all of them. Oregon has the most noticable difference, where General Casualty rates are over 20% less expensive than car insurance premiums at Mutual of Enumclaw.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your prices. Read on to find out more.

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of nearly $85 less a month by choosing General Casualty over Mutual of Enumclaw.

However, both carriers will lower premiums once you turn 25. For example, average rates for General Casualty policyholders decrease more than 55% and Mutual of Enumclaw's prices reduce almost 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at General Casualty and Mutual of Enumclaw specifically, which carrier is best for retired drivers? Mutual of Enumclaw gets the slight edge, with premiums for drivers 65 and older $12 more affordable than the national average for General Casualty.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are generally cheaper for married couples than they are for those who are single? This usually boils down to married policyholders having more than one car on their policy -- something lots of car insurance companies will reward with discounts.

When it comes to relationship status, General Casualty is the clear winner for single policyholders, with rates around $32 per month more affordable than Mutual of Enumclaw, on average. But for married drivers, that advantage is much less clear - General Casualty has the edge when it comes to average premiums , but the difference is only $10.

General Casualty 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 insurance men will usually end up paying a little more.

With General Casualty, men typically pay nearly 10% more a month than women., and almost 10% with Mutual of Enumclaw.

Looking at overall affordability, General Casualty offers the lowest average prices for both men and women. On average, male drivers save about $22 per month and women save about $23 with General Casualty compared to the average Mutual of Enumclaw policyholder.

General Casualty 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 can be pretty complicated. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

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 an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum limits for liability insurance, General Casualty generally offers significantly less expensive premiums of $82 compared to Mutual of Enumclaw's $116. When it comes to full coverage policies with similar limits, General Casualty again has the edge, with policies around $10 a month cheaper than Mutual of Enumclaw, on average.

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

You've probably seen plenty of commercials from car 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.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two companies offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

General Casualty policyholders can expect their prices to go up an average of $43 per month if they get a ticket, while Mutual of Enumclaw usually raises rates about $45 a month, on average.

Even so, General Casualty is normally the more affordable option for drivers both with clean records and with a speeding ticket -- their rates are around 17% cheaper for drivers with clean records and 14% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

General Casualty drivers who get in a collision can expect to see their premiums increase by over $55, while those who have insurance through Mutual of Enumclaw will see around a $75 increase.

Overall, drivers who use General Casualty end up with the cheaper prices after an accident, with monthly rates averaging $146 compared to Mutual of Enumclaw's $183.

Which Company is Best for Drivers with a DUI?

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. General Casualty drivers usually see a 52% increase in their auto insurance premiums after a DUI charge, while Mutual of Enumclaw will typically climb prices by about 46%.

If you have a DUI on your record and are looking for more affordable rates, General Casualty tends to be the much cheaper option with average prices of $186 monthly compared to $200 from Mutual of Enumclaw.

How does Credit Score Impact General Casualty and Mutual of Enumclaw Rates?

Did you know that many insurance carriers take your credit score into account when calculating premiums? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for a lot of policyholders.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with General Casualty. Policyholders with "excellent" credit can save just under 20% compared to Mutual of Enumclaw, and those with "good" scores can also expect to see savings -- around $25 or 17% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

General Casualty typically offers lower rates than Mutual of Enumclaw when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $18 per month less with General Casualty compared to Mutual of Enumclaw, and those with "poor" scores normally save an average of around $24 per month.

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

How much you drive can have a pretty big impact on your monthly auto insurance cost. That's because the fewer miles you put on your car, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither General Casualty or Mutual of Enumclaw report increasing premiums for drivers with higher annual mileage figures. Even so, General Casualty comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average prices of $139 a month for both.

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

Where you live can have a big impact on your monthly car insurance bill. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

General Casualty tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both companies, but General Casualty comes out on top with average prices about $131 a month. General Casualty also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a 11% and 23% per month respective difference when compared to Mutual of Enumclaw drivers in similar areas.

General Casualty 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. That's where car insurance discounts comes into play.

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

In the table below, we've taken a look at all of the different discounts General Casualty 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, General Casualty has the advantage when it comes to total number of discounts. Mutual of Enumclaw offers a grand total of eight discounts, while General Casualty has 12.

There are a couple discounts both carriers offer, but General Casualty also offers advance quote discounts, employee discounts, new vehicle 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 General Casualty or Mutual of Enumclaw Best for You?

So, we've broken down the average rates for many of the factors insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which insurance company is the best fit for you?

General Casualty might be best for you if....

• Your credit is less-than-stellar.
• You want basic auto insurance coverage at the state minimum limits.
• You have a short commute.

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

• You are over 65 years old and want to save some money on your insurance.

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

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just General Casualty 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 companies in your area, all in just a few minutes.

General Casualty vs. Mutual of Enumclaw FAQs

Is General Casualty or Mutual of Enumclaw cheaper?

Looking just at the national average prices, General Casualty is the cheaper of the two carriers, offering average rates of $139 a month compared to $162 for Mutual of Enumclaw. However, General Casualty won't necessarily be the lowest carrier for every driver, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, General Casualty or Mutual of Enumclaw?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, General Casualty offers more affordable premiums for single policyholders, while Mutual of Enumclaw is less expensive for drivers who have already retired.

Why do General Casualty and Mutual of Enumclaw offer me different rates?

Car insurance companies take a look at many different factors when determining the prices they charge drivers. Things like your driving record, age, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both General Casualty and Mutual of Enumclaw calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be General Casualty 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.