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

Quick Facts

• In general, Mutual of Enumclaw offers significantly cheaper prices than Integon National
• Integon National may help you save more money -- they offer more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable average rates for residents of suburban areas

Integon National 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 hefty savings, but exactly how much money can you save by switching?

You might be considering Integon National or Mutual of Enumclaw as potential options, but which company has less expensive prices for insurance?

Looking at the national average rates for both carriers, Mutual of Enumclaw has average rates that are around 25% a month cheaper than those from Integon National.

But that doesn't necessarily mean Mutual of Enumclaw will be the more affordable option for every single driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

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

Integon National and Mutual of Enumclaw only compete against each other in one states, with Mutual of Enumclaw offering less expensive rates to the average driver in all of them. Washington has the most noticable difference, where Mutual of Enumclaw premiums are $15 more affordable than car insurance prices at Integon National.

That being said, there's a lot more that goes into your auto insurance bill than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. Generally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their auto insurance pay almost 35% less than those who use Integon National.

Even so, both carriers will drop premiums by the time you turn 25. For example, average rates for Integon National policyholders lower about $400 and Mutual of Enumclaw's premiums decrease nearly $200 over that time.

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 lowest prices you'll ever see.

So, which carrier offers the best rates to retired drivers? Mutual of Enumclaw gets the edge, with prices for drivers 65 and older almost 35% less expensive than the national average for Integon National.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally cheaper for married policyholders than they are for single policyholders? This usually boils down to married drivers having multiple vehicles on their policy -- something several insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with Mutual of Enumclaw premiums coming in at a quarter less than Integon National's. The advantage for married couples with Mutual of Enumclaw is also obvious, where drivers save around $35 per month.

Integon National or Mutual of Enumclaw: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. So, women typically pay less for car insurance than men.

Women usually pay nearly 10% a month less than men with Integon National, and almost 10% less with Mutual of Enumclaw when compared to their male counterparts.

When it comes to the most affordable prices for each gender, Mutual of Enumclaw comes out on top for both men and women, with average rates $59 less for men and $54 cheaper for women.

Integon National vs. 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.

Insurance can be a complicated subject for most people. There are a bunch of different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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

Looking specifically at state minimum liability limits, Mutual of Enumclaw has the slight edge, with average monthly premiums 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 Integon National's $308.

Is Integon National 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 auto 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 collisions and speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integon National for their car insurance can typically expect their monthly bill to go up around 35% after getting a speeding ticket. Mutual of Enumclaw policyholders can expect a less drastic increase of about 29%.

Even so, Mutual of Enumclaw is normally the less expensive option for both drivers who have clean records and those with a recent ticket. With Mutual of Enumclaw, drivers with a clean record can save around $36 a month and drivers with a speeding ticket can save about $69 per month.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Integon National climbing by around 52%. Mutual of Enumclaw has a less extreme increase, but you can still expect to pay more than 40% more than you were prior to your first accident.

At the end of the day, Mutual of Enumclaw offers the most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $183 compared to Integon National Insurance Company's $300.

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 insurance bill -- generally a lot more than a collision or ticket. On average, Mutual of Enumclaw will raise your prices about 46% after a DUI, while Integon National's average premiums increase by nearly 30%.

But if you end up with a DUI charge and are looking for more affordable rates, Mutual of Enumclaw tends to be more affordable for the average driver, with monthly premiums coming in at around $200 to Integon National's $204.

How does Credit Score Impact Integon National and Mutual of Enumclaw Rates?

Often times, your credit score can be used as one of the variables to determine your monthly auto insurance prices. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect many drivers out there.

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

Looking at Integon National and Mutual of Enumclaw specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Mutual of Enumclaw will usually reward you the most. For drivers with "excellent" credit scores, Mutual of Enumclaw comes in over 36.5 cheaper. Drivers with "good" credit scores generally save about 33% with Mutual of Enumclaw compared to average rates from Integon National.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower premiums than Integon National when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 32% a month less with Mutual of Enumclaw compared to Integon National, and those with "poor" scores usually save an average of about 16% monthly.

Is Integon National 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. Normally, those who drive less will end up with less expensive prices since there's less of a chance of causing an accident and filing 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 rates for Integon National, with policyholders who drive 6,000 miles annually paying around $2 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Mutual of Enumclaw is the more affordable company.

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

Where you call home can have a large impact on your monthly insurance payment. Typically, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads where they live.

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.

For drivers in urban ZIP codes, Mutual of Enumclaw's average prices are about $54 less than Integon National Insurance Company. People who live in suburban areas pay around $83 less with Mutual of Enumclaw compared to Integon National. Those in rural areas can expect to save about $32 with Mutual of Enumclaw compared to Integon National.

Integon National vs. Mutual of Enumclaw Discounts

No matter why you might be in the market for a new car 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 insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Integon National and Mutual of Enumclaw offer their customers so that you can see which one can save you the most money each month.

Integon National knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to Mutual of Enumclaw's eight.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good driver, and multi-policy discounts. Integon National also offers discounts for ABS, advance quote, agency transfer, and more.

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

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

So, we've broken down the average rates for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which company is the right company for you, your vehicle, and your wallet?

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

• You've received a ticket for speeding recently and don't want to see your premiums rise.
• You live in an suburban area.
• You live in a rural area.

Integon National might be best for you if...

• You're looking for discounts -- Integon National has the most.

Hopefully, this guide has ben a valuable resource as you compare Integon National 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.

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 carriers, not just Integon National 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 free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Integon National vs. Mutual of Enumclaw FAQs

Is Integon National or Mutual of Enumclaw cheaper?

Mutual of Enumclaw is the cheaper of the two carriers when looking at national average rates, with policies averaging $162 per month with Mutual of Enumclaw and $218 for Integon National. But that doesn't mean Mutual of Enumclaw will be the cheapest carrier for everyone, 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, Integon National or Mutual of Enumclaw?

Unfortunately, the real answer is "it depends.". One company is not "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Integon National and Mutual of Enumclaw offer me different rates?

Car insurance companies use a lot of different factors when determining the premiums they charge. Things like where you live, where you park your car, gender, age, and sometimes even things like your credit score can all come into play. Both Integon National and Mutual of Enumclaw calculate prices differently, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the insurance company 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 Compare.com 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 premium. And maybe you'll find that the best carrier for you isn't Integon National or Mutual of Enumclaw at all, but another you hadn't even thought of!

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.