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

Want to know if Grange or Mutual of Enumclaw is the better choice for auto insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
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Quick Facts

  • In general, Mutual of Enumclaw offers significantly less expensive prices than Grange
  • Grange may help you save more money -- they offer more discounts than Mutual of Enumclaw
  • Mutual of Enumclaw has more affordable rates for single people who will be the only person on the insurance policy

Grange or Mutual of Enumclaw: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to 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've maybe even narrowed it down to Grange or Mutual of Enumclaw as potential options, but between the two, which one will save you the most?

Grange Mutual of Enumclaw

Looking at nationwide averages, Mutual of Enumclaw is quite a bit cheaper than Grange, with premiums averaging $162 a month compared to $249 with Grange.

That being said, that doesn't mean Mutual of Enumclaw will necessarily be cheaper than Grange for every driver. Car insurance carriers vary their rates depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and tons of other factors, so prices will change quite a bit from person to person.

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

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

State Grange Mutual of Enumclaw

Grange and Mutual of Enumclaw only compete against each other in two states, with Grange offering more affordable premiums to the average driver in all of them. Washington has the most noticable difference, where Grange prices are $8 less expensive than auto insurance rates at Mutual of Enumclaw.

There are plenty of other factors that go into your car insurance payment than just where you call home. Read on to find out more.

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Which is the Best Company For Young Drivers?

Grange Mutual of Enumclaw
18-year-old drivers$551$350
25-year-old drivers$205$158

You might already know that teen drivers normally pay a lot more for insurance than 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. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their car insurance pay over 35% less than those who use Grange.

Even so, with both companies, you'll see your premiums lower significantly once you turn 25. For example, average rates for Grange policyholders drop around $350 and Mutual of Enumclaw's premiums reduce almost $200 over that time.

Which is the Best Company for Retired Drivers?

Grange Mutual of Enumclaw
65+-year-old drivers$200$112

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you can find.

So, which carrier offers the best rates to retired drivers? Mutual of Enumclaw gets the edge here, with average prices coming in at about $112 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

Grange Mutual of Enumclaw

Did you know that insurance premiums are generally more expensive for single drivers than they are for married drivers? This usually boils down to married policyholders having more than one vehicle on their policy -- something many car insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Mutual of Enumclaw prices coming in at a third less than Grange's. The advantage for married couples with Mutual of Enumclaw is also obvious, where drivers save nearly 40% per month.

Grange or Mutual of Enumclaw: Average Rates by Gender

Grange Mutual of Enumclaw

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

With Grange, women typically pay around $10 a month less than men, and about $15 with Mutual of Enumclaw.

When it comes to the lowest premiums for each gender, Mutual of Enumclaw offers the most affordable average rates for both men and women, with average premiums 34% less for men and 36% cheaper for women.

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

Grange Mutual of Enumclaw
State Minimum*$185$116
Full Coverage**$313$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 auto insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

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 around $207 per month to Grange's $313.

Is Grange 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 car 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 accidents and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Grange Mutual of Enumclaw
Clean Record$180$109
1 Speeding Ticket$235$154

Policyholders who use Grange for their auto insurance can usually expect their monthly bill to go up about 23% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a bit more drastic of an increase of around 29%.

However, Mutual of Enumclaw is normally the cheaper option for drivers both with a ticket and with a clean record, offering prices that are 39% and 34% less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange Mutual of Enumclaw
Clean Record$180$109
1 At-Fault Accident$266$183

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

At the end of the day, the more affordable rates come from Mutual of Enumclaw, with average premiums coming in at $183 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Grange Mutual of Enumclaw
Clean Record$180$109
1 DUI$314$200

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. For example, Grange increases average prices by nearly $150 a month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Mutual of Enumclaw tends to be cheaper for the average driver, with monthly premiums coming in at around $200 to Grange's $314.

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

Did you know many car insurance companies take into account your credit score when determining rates? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

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, drivers with good credit will often be rewarded with more affordable prices.

Looking specifically at Grange and Mutual of Enumclaw, which carrier has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Grange Mutual of Enumclaw
Excellent Credit Score$193$127
Good Credit Score$223$143

If you have a great credit score, Mutual of Enumclaw will typically reward you the most. For drivers with "excellent" credit scores, Mutual of Enumclaw comes in just under 34.2 less expensive. Drivers with "good" credit scores generally save about 36% with Mutual of Enumclaw compared to average prices from Grange.

Which Company is Best for Drivers with Bad Credit?

Grange Mutual of Enumclaw
Fair Credit Score$252$157
Poor Credit Score$343$219

Mutual of Enumclaw typically offers lower rates than Grange when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 38% per month less with Mutual of Enumclaw compared to Grange, and those with "poor" scores usually save an average of about 36% a month.

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

Grange Mutual of Enumclaw
6,000 Annual Miles$248$162
12,000 Annual Miles$250$162

How much you drive can have a sizable impact on how much auto insurance companies will charge for coverage. Normally, the more milage you drive, the more you can expect to pay for car insurance.

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 Grange, with drivers who put 6,000 miles on their vehicle annually paying around $2 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Mutual of Enumclaw is the more affordable company.

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

Where you live can play a substantial role in how much you pay for insurance. Typically, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the roads where they live.

Grange Mutual of Enumclaw
Urban Areas$292$169
Suburban Areas$235$173
Rural Areas$220$143

When comparing these two carriers side-by-side, Mutual of Enumclaw generally 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 pay about $143 monthly with Mutual of Enumclaw and $220 with Grange. People in suburban areas pay around $173 with Mutual of Enumclaw compared to Grange's $235 per month. For drivers in urban ZIP codes, Mutual of Enumclaw's average rates are about $169 a month compared to Grange's $292.

Grange 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 utilizing as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Grange and Mutual of Enumclaw so that you can see which company can save you the most money each month.

Grange Mutual of Enumclaw
AAA Discount 
ABS Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Legacy Discount 
Life Policy Discount 
Mature Driver Discount 

Grange 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.

There are a couple discounts both companies offer, but Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Mutual of Enumclaw has a proprietary discount of their own -- a AAA discounts.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right carrier for you and your specific driver profile?

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

  • You've been pulled over for speeding recently.
  • You already have a great credit score.
  • You have a short drive to work everyday.

Grange might be best for you if...

  • You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Grange 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 car insurance policy is to compare quotes from several companies, not just Grange and Mutual of Enumclaw. Luckily, does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

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Grange vs. Mutual of Enumclaw FAQs

Is Grange 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 per month with Mutual of Enumclaw and $249 for Grange. But that doesn't mean Mutual of Enumclaw will be the cheapest carrier for every driver, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Mutual of Enumclaw?

Sadly, the answer truly is "it depends.". One company is not "better" for each policyholder -- it all depends on what your unique auto insurance profile looks like.

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

Car insurance carriers use lots of different variables when calculating the rates they charge. Factors like where your home is, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Grange and Mutual of Enumclaw calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if Grange 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 multiple carriers and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Grange 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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