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

Quick Facts

• In general, Mutual of Enumclaw offers significantly less expensive rates than Kemper
• Kemper offers more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable premiums for residents in Idaho, Oregon, and Washington

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Kemper or Mutual of Enumclaw, but which one will offer you more affordable rates?

As you can see, Kemper is quite a bit more expensive than Mutual of Enumclaw, with prices averaging $235 per month compared to just $162 with Mutual of Enumclaw when looking at the national average rates for car insurance.

That being said, that doesn't necessarily mean Mutual of Enumclaw will be the cheaper option for every driver. Auto insurance companies vary their premiums depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and a ton of other factors, so prices could differ drastically from person to person.

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

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

Kemper and Mutual of Enumclaw only compete against each other in two states, with Mutual of Enumclaw offering more affordable rates to the average driver in all of them. Washington has the most noticable difference, where Mutual of Enumclaw premiums are cheaper than car insurance rates at Kemper.

That being said, there are plenty of other factors that go into your insurance bill than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's normally 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 prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing Mutual of Enumclaw over Kemper. It's worth noting that Kemper offers insurance in 15 different states compared to Mutual of Enumclaw's three, which can skew the average rates a bit, but the difference here is still considerable.

However, with both carriers, you'll see your prices reduce significantly by the time drivers turn 25. Mutual of Enumclaw offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Kemper's average premiums drop more than 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best premiums for retired drivers between Kemper and Mutual of Enumclaw? Mutual of Enumclaw gets the edge here, with average rates coming in at about $112 monthly compared to Kemper's $179.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance premiums than married policyholders. That's because policies for married couples usually cover more than one car, which many companies will offer you a discount for.

When it comes to relationship status, Mutual of Enumclaw is the clear winner for single drivers, with prices around $79 per month less expensive than Kemper, on average. For married drivers, the advantage is clear again - Mutual of Enumclaw has the edge when it comes to average rates.

Kemper vs. Mutual of Enumclaw: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to auto insurance men will typically end up paying a little more.

Generally, men see prices almost $20 a month higher with Kemper, and about $15 with Mutual of Enumclaw.

Looking at overall affordability, Mutual of Enumclaw comes out on top for both men and women, with average premiums $76 less for men and $70 cheaper for women.

Kemper 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, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Mutual of Enumclaw generally offers cheaper prices of $116 compared to Kemper's $139. When it comes to full coverage policies with similar limits, Mutual of Enumclaw again has the edge, with policies around $100 per month less expensive than Kemper, on average.

Is Kemper 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 tickets and accidents on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

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

Even so, Mutual of Enumclaw tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 37% more affordable for drivers with clean records and 30% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Kemper drivers who get in an accident can expect to see their rates rise by just under 35%, while those who have insurance through Mutual of Enumclaw will see around a 40% increase.

Overall, Mutual of Enumclaw offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $183 compared to Kemper's $259.

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 car insurance bill -- usually a lot more than a collision or ticket. On average, Kemper will climb your premiums about 39% after a DUI, while Mutual of Enumclaw's average rates increase by over 45%.

Mutual of Enumclaw has the overall cheapest prices for drivers with a DUI on their records at $200 a month, but it's worth noting that Kemper's average rates come from 15 states compared to just three for Mutual of Enumclaw, so the data may be skewed slightly.

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

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly insurance rates. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

Auto insurance companies 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 best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Mutual of Enumclaw. Policyholders with "excellent" credit can save more than 25% compared to Kemper, and those with "good" scores can also expect to see savings -- around $65 or 31% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower rates than Kemper when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $83 a month less with Mutual of Enumclaw compared to Kemper, and those with "poor" scores generally save an average of around $104 per month.

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

How much you drive can have a large impact on your monthly prices. Normally, those who drive less will end up with more affordable premiums since there's less of a chance of getting into an accident and causing 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 prices for Kemper, with policyholders who drive the least paying about $1 less each month compared to those who drive 12,000 miles yearly. Still, Mutual of Enumclaw is the cheaper option for drivers in both categories.

Kemper 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. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the roads in those areas.

Mutual of Enumclaw tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but Mutual of Enumclaw comes out on top with average premiums around $143 monthly. Mutual of Enumclaw also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $127 and $53 per month respective difference when compared to Kemper drivers in similar areas.

Kemper 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, and the best way to do that is by utilizing as many car insurance discounts as you can.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Kemper and Mutual of Enumclaw so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Kemper blows Mutual of Enumclaw away when it comes to the sheer amount of discounts available, offering 16 more discounts than Mutual of Enumclaw.

A couple of those are overlapping for things like discounts for being a defensive driver, distant student discounts, and multi-policy discounts. Kemper also offers ABS discounts, advance quote discounts, continuous insurance discounts, and more that Mutual of Enumclaw does not.

Mutual of Enumclaw's discounts come through just a few categories, including AAA, Anti-Theft, Defensive Driver, and more.

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

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, is Kemper or Mutual of Enumclaw the right company for you, your vehicle, and your wallet?

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

• You have a DUI charge on your record.
• You want basic car insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Kemper might be best for you if...

• You're thinking about moving to another state -- Mutual of Enumclaw only offers policies in three states.
• You're looking for discounts -- Kemper has the most.

We hope this guide helps you get a good idea of the differences between Kemper and Mutual of Enumclaw. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Kemper and Mutual of Enumclaw. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Kemper vs. Mutual of Enumclaw FAQs

Is Kemper or Mutual of Enumclaw cheaper?

Looking just at the national average rates, Mutual of Enumclaw is the less expensive of the two companies, offering average rates of $162 a month compared to $235 for Kemper. But Mutual of Enumclaw won't necessarily be the most affordable carrier for everyone, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Kemper or Mutual of Enumclaw?

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

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

Car insurance carriers take a look at several different variables when calculating the prices they charge policyholders. Factors such as age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Kemper and Mutual of Enumclaw use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Kemper 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, 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 companies 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 Kemper 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.