Idaho Farm Bureau vs. Mutual of Enumclaw: Which Company is the Best Fit for You?

Quick Facts

• In general, Idaho Farm Bureau offers significantly cheaper rates than Mutual of Enumclaw
• Idaho Farm Bureau offers more affordable premiums for policyholders who may not have much of a commute
• Mutual of Enumclaw tends to be a much less expensive option for drivers with a DUI charge on their record

Idaho Farm Bureau vs. Mutual of Enumclaw: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Idaho Farm Bureau or Mutual of Enumclaw, but which company has more affordable prices for auto insurance?

Looking at the national average rates for both companies, Idaho Farm Bureau has average rates that are about 22% per month less expensive than those from Mutual of Enumclaw.

Even so, that doesn't necessarily mean Idaho Farm Bureau will be the more affordable option for every single driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so rates could differ drastically from person to person.

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

Idaho Farm Bureau or Mutual of Enumclaw: Average Car Insurance Rates by State

Idaho Farm Bureau and Mutual of Enumclaw only compete against each other in Idaho, where Idaho Farm Bureau offers the cheaper average rates. For Idaho residents, Idaho Farm Bureau offers auto insurance for $127 per month on average. Mutual of Enumclaw's average premiums come out to be more expensive, at $131 monthly.

There's a lot more that goes into your insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. Generally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Idaho Farm Bureau save more than $95 a month compared to those who use Mutual of Enumclaw.

But with both companies, you'll see your prices reduce significantly by the time you turn 25. Mutual of Enumclaw offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Idaho Farm Bureau still has the most affordable rates at $123 a month.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Idaho Farm Bureau and Mutual of Enumclaw? Idaho Farm Bureau gets the edge here, with average prices coming in at around $94 per month compared to Mutual of Enumclaw's $112.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married drivers. That's normally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Idaho Farm Bureau is the clear winner for those who are single, with prices about $48 per month cheaper than Mutual of Enumclaw, on average. The advantage for married couples with Idaho Farm Bureau is also obvious, where drivers save nearly 15% a month.

Idaho Farm Bureau vs. Mutual of Enumclaw: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim.

Men usually pay almost $10 per month more than women with Idaho Farm Bureau, and around $15 with Mutual of Enumclaw.

Looking at the data for each company specifically, Idaho Farm Bureau comes out as the lowest option for both genders. On average, women save about $32 a month and men save about $36 with Idaho Farm Bureau compared to the average Mutual of Enumclaw policyholder.

Idaho Farm Bureau 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.

It's no secret that car insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing 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 injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Idaho Farm Bureau typically offers significantly less expensive premiums of $66 compared to Mutual of Enumclaw's $116. When it comes to full coverage policies with similar limits, Idaho Farm Bureau again has the edge, with policies around $20 per month cheaper than Mutual of Enumclaw, on average.

Is Idaho Farm Bureau 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Idaho Farm Bureau car insurance policies don't report seeing their prices increase after getting a ticket, but Mutual of Enumclaw policyholders can expect to see their monthly bill increase by about $45.

However, Idaho Farm Bureau is normally the more affordable option for drivers both with clean records and with a ticket, offering premiums that are $18 and $63 less expensive, respectively, compared to Mutual of Enumclaw.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Idaho Farm Bureau can expect to see around an $29 -- or about 24% -- increase in their auto insurance prices. Drivers who use Mutual of Enumclaw for their car insurance will see a monthly bill around $74 (or 40%) more expensive after reporting a collision to their insurance carrier.

Overall, the cheaper premiums come from Idaho Farm Bureau, with monthly rates averaging $120 compared to Mutual of Enumclaw's $183.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or speeding ticket. On average, Idaho Farm Bureau will climb your prices about 56% after a DUI, while Mutual of Enumclaw's average rates increase by over 45%.

If you have a DUI on your record and are looking for more affordable premiums, Mutual of Enumclaw tends to be the much more affordable option with average prices of $200 monthly compared to $206 from Idaho Farm Bureau.

How does Credit Score Impact Idaho Farm Bureau and Mutual of Enumclaw Rates?

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

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

Looking at Idaho Farm Bureau and Mutual of Enumclaw specifically, which one has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Idaho Farm Bureau. Drivers with "excellent" credit can save more than 25% compared to Mutual of Enumclaw, and those with "good" scores can also expect to see savings -- around $30 or 21% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Idaho Farm Bureau typically offers lower rates than Mutual of Enumclaw when it comes to drivers with bad credit. Drivers with "fair" credit pay about $25 a month less with Idaho Farm Bureau compared to Mutual of Enumclaw, and those with "poor" scores typically save an average of around $51 a month.

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

Did you know that the amount of time you spend in your car have a considerable impact on your monthly car insurance cost? Normally, the more miles you drive, the more you can expect to pay for coverage.

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 pretty significant difference in monthly premiums for Idaho Farm Bureau, with drivers who put 6,000 miles on their vehicle yearly paying about $16 less each month compared to those who drive 12,000 miles annually. Still, Idaho Farm Bureau is the more affordable option for drivers in both categories.

Idaho Farm Bureau vs. 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 substantial impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Idaho Farm Bureau boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Idaho Farm Bureau's average prices are around $118 per month compared to Mutual of Enumclaw's $169. People in suburban areas pay a monthly premium of about $125 with Idaho Farm Bureau compared to $173 with Mutual of Enumclaw. If you live in a rural area, you can expect to pay around $139 monthly with Idaho Farm Bureau compared to Mutual of Enumclaw's $143.

Idaho Farm Bureau 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 insurance discounts comes into play.

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

Below, we've taken a look at all of the different discounts Idaho Farm Bureau and Mutual of Enumclaw offer their customers so that you can see which carrier can save you the most money each month.

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

There are a couple discounts both carriers offer, but Mutual of Enumclaw also offers AAA discounts, anti-theft discounts, distant student discounts, and more that Idaho Farm Bureau does not.

Idaho Farm Bureau's discounts come through just two categories -- Defensive Driver and Good Student.

Final Thoughts: Is Idaho Farm Bureau or Mutual of Enumclaw Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which company is the right company for you and your specific driver profile?

Idaho Farm Bureau might be best for you if....

• You have less-than-stellar credit.
• You are purchasing your auto insurance with a spouse.

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

• You have a DUI charge on your record.
• You're looking for discounts -- Mutual of Enumclaw has the most.

We hope this guide has ben a valuable resource as you compare Idaho Farm Bureau and Mutual of Enumclaw and that you can now make a more informed decision when it comes to 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 a handful of companies, not just Idaho Farm Bureau 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 multiple quotes from some of the best auto insurance carriers in your area, all for free.

Idaho Farm Bureau vs. Mutual of Enumclaw FAQs

Is Idaho Farm Bureau or Mutual of Enumclaw cheaper?

Looking just at the national average prices, Idaho Farm Bureau is the cheaper of the two companies, offering average rates of $127 a month compared to $162 for Mutual of Enumclaw. Even so, Idaho Farm Bureau won't necessarily be the lowest carrier for every policyholder, since there are a bunch of different variables that are considered when it comes to your car insurance payment.

Who is better, Idaho Farm Bureau or Mutual of Enumclaw?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique auto insurance profile looks like. For example, Mutual of Enumclaw offers more affordable rates for drivers with a recent DUI, while Idaho Farm Bureau is less expensive for drivers with excellent credit.

Why do Idaho Farm Bureau and Mutual of Enumclaw offer me different rates?

Insurance carriers take a look at many different factors when determining the premiums they charge policyholders. Variables such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all come into play. Both Idaho Farm Bureau and Mutual of Enumclaw use 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 several different companies.

How do I know if Idaho Farm Bureau 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 several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Idaho Farm Bureau 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.