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

Quick Facts

• In general, Mutual of Enumclaw offers significantly less expensive prices than Metlife
• Metlife offers more discounts than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable rates for residents of rural areas

Metlife 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 be considering Metlife or Mutual of Enumclaw as potential options, but between the two, which one will offer you cheaper prices?

Looking at the national average rates for both companies, Metlife is quite a bit more expensive than Mutual of Enumclaw, with premiums averaging $340 per month compared to just $162 with Mutual of Enumclaw.

However, that doesn't necessarily mean Mutual of Enumclaw will be the more affordable option for each driver. Car insurance carriers vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and a ton of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

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

Metlife and Mutual of Enumclaw only compete against each other in three states, with Mutual of Enumclaw offering cheaper rates to the average driver in all of them. Washington has the most noticable difference, where Mutual of Enumclaw prices are over 70% less expensive than insurance premiums at Metlife.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your rates. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Mutual of Enumclaw save more than $500 a month compared to those who use Metlife. It's worth noting that Metlife offers auto insurance in 44 different states compared to Mutual of Enumclaw's three, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will reduce premiums once you turn 25. Mutual of Enumclaw offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Metlife's average rates decrease over 70% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase premiums.

But who has the best rates for retired drivers between Metlife and Mutual of Enumclaw? Mutual of Enumclaw gets the edge, with prices for drivers 65 and older more than 45% more affordable than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be cheaper for married policyholders than they are for single policyholders. That's usually because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Mutual of Enumclaw is the clear winner for those who are single, with premiums about $241 per month more affordable than Metlife, on average. The advantage for married drivers with Mutual of Enumclaw is also obvious, where drivers save over $95 a month.

Metlife vs. Mutual of Enumclaw: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they have an increased chance of filing a claim with insurance. Therefore, men tend to pay more for insurance than women.

Men generally pay nearly $30 per month more than women with Metlife, and around $15 with Mutual of Enumclaw.

Looking at overall affordability, Mutual of Enumclaw comes out as the cheapest option for both genders. On average, male drivers save about $186 a month and women save about $171 with Mutual of Enumclaw compared to the average Metlife policyholder.

Metlife 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.

Auto insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

The two most common 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 two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, Mutual of Enumclaw typically offers significantly less expensive rates of $116 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Mutual of Enumclaw again has the edge, with policies around $250 per month more affordable than Metlife, on average.

Is Metlife 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 car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and collisions will most likely raise your prices, but is Metlife or Mutual of Enumclaw less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Metlife policyholders can expect their premiums to go up an average of $59 a month if they get a ticket, while Mutual of Enumclaw usually raises rates about $45 per month, on average.

That being said, Mutual of Enumclaw is normally the cheaper option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 50% less expensive for drivers with clean records and 45% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Metlife can expect to see around an $148 -- or about 40% -- increase in their auto insurance premiums. 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 auto insurance company.

Overall, Mutual of Enumclaw offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $183 compared to MetLife's $368.

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. On average, Metlife will climb your prices about 55% after a DUI, while Mutual of Enumclaw's average rates climb by over 45%.

Mutual of Enumclaw has the overall most affordable prices for drivers with a DUI on their records at $200 monthly, but it's worth noting that Metlife's average rates come from 44 states compared to just three for Mutual of Enumclaw, so the data may be skewed slightly.

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

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of drivers.

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

So, which carrier offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Mutual of Enumclaw. Drivers with "excellent" credit can save just under 45% compared to Metlife, and those with "good" scores can also expect to see savings -- around $131 or 48% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw typically offers lower rates than Metlife when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $182 a month less with Mutual of Enumclaw compared to Metlife, and those with "poor" scores usually save an average of around $311 a month.

Is Metlife 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 big impact on your monthly car insurance cost? Generally, 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 small difference in monthly premiums for Metlife, with policyholders who drive 6,000 miles yearly paying about $3 less every month compared to those who drive 12,000 miles each year. Still, Mutual of Enumclaw is the more affordable option for drivers in both categories.

Metlife 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 pretty big impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the roads in those areas.

Mutual of Enumclaw tends to offer the lowest prices 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 offers premiums around $169 per month compared to Metlife's $389. People who live in suburban ZIP codes can expect to pay about $173 per month for Mutual of Enumclaw and $333 for Metlife. Lastly, those in rural areas tend to get the cheapest rates from both companies, with average monthly prices coming in at $143 and $299 for Mutual of Enumclaw and Metlife respectively.

Metlife 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 challenging to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've compared all of the different discounts offered by Metlife and Mutual of Enumclaw so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Metlife knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 28 more discounts than Mutual of Enumclaw.

There are a couple discounts both carriers offer, but Metlife also offers ABS discounts, academic discounts, agency transfer 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 Metlife or Mutual of Enumclaw Best for You?

You've seen the effect certain variables have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance company is the best carrier for you, your vehicle, and your wallet?

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

• You're looking for the best rates in ID, OR, and WA.
• Your home is located in the suburbs.
• Your neighborhood is in a rural area.

Metlife might be best for you if...

• You're planning on moving to another state soon -- Mutual of Enumclaw only offers policies in three states.
• You're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare Metlife and Mutual of Enumclaw and that you can now make a more informed decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just Metlife and Mutual of Enumclaw. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Metlife vs. Mutual of Enumclaw FAQs

Is Metlife or Mutual of Enumclaw cheaper?

Looking just at the national average premiums, Mutual of Enumclaw is the less expensive of the two carriers, offering average rates of $162 a month compared to $340 for Metlife. But Mutual of Enumclaw won't necessarily be the most affordable company for everyone, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Metlife or Mutual of Enumclaw?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

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

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

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple 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 area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the cheapest premium. And who knows, the best company for you might not be Metlife 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.