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

Quick Facts

• Looking at the national averages for car insurance, Mutual of Enumclaw offers slightly more affordable rates than Nationwide
• Mutual of Enumclaw has less expensive premiums for drivers with a DUI
• Nationwide tends to be a much cheaper option for policyholders who live in suburban areas

Mutual of Enumclaw or Nationwide: 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 hefty savings, but exactly how much money can you save by switching?

You might be considering Mutual of Enumclaw or Nationwide, but between the two, which company has less expensive prices for auto insurance?

As you can see, Nationwide is around $8 more a month than Mutual of Enumclaw when looking at the national average rates for insurance.

But that doesn't mean Mutual of Enumclaw will necessarily be more affordable than Nationwide for each driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things), so rates will differ quite a bit from person to person.

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

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

Mutual of Enumclaw and Nationwide only compete against each other in three states, with Nationwide offering less expensive rates to the average driver in all of them. Washington has the most noticable difference, where Nationwide prices are $49 cheaper than auto insurance premiums at Mutual of Enumclaw.

That being said, there's a lot more that goes into your car insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group 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.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Mutual of Enumclaw save 10% per month compared to those who use Nationwide.

That being said, with both companies, you'll see your premiums reduce significantly once you turn 25. Nationwide offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Mutual of Enumclaw's average prices lower almost 55% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums out there.

When looking at Mutual of Enumclaw and Nationwide specifically, which carrier is best for retired drivers? Mutual of Enumclaw gets the edge, with rates for drivers 65 and older over 10% more affordable than the national average for Nationwide.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married drivers usually cover several vehicles, which many carriers will give you a discount for.

If you're in the market for insurance, Mutual of Enumclaw tends to have the most affordable average premiums regardless of marital status, with prices about $10 less expensive for single drivers and nearly $10 cheaper for married couples.

Mutual of Enumclaw or Nationwide: Average Rates by Gender

Men tend to pay more for auto insurance than women. That's because women are less likely to get into collisions and get tickets, which decreases the chances of filing a claim with insurance.

Typically, men see prices around $15 a month higher with Mutual of Enumclaw, and about $10 with Nationwide.

When it comes to the lowest rates for each gender, Mutual of Enumclaw offers the most affordable average premiums for both men and women. On average, women save about $9 per month and men save around $8 with Mutual of Enumclaw compared to the average Nationwide policyholder.

Mutual of Enumclaw vs. Nationwide: 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 isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

When it comes to state minimum limits for liability insurance, Nationwide has the edge, while Mutual of Enumclaw offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $4 with Nationwide, while full coverage comes out to be about $20 more affordable with Mutual of Enumclaw.

Is Mutual of Enumclaw or Nationwide Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Speeding tickets and collisions will most likely raise your prices, but is Mutual of Enumclaw or Nationwide cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Mutual of Enumclaw for their auto insurance can generally expect their monthly bill to go up around 29% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of about 16%.

If you have gotten a ticket, Nationwide tends to offer the best rates at around 3% less expensive, while Mutual of Enumclaw has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Mutual of Enumclaw can expect to see about an $74 -- or around 40% -- rise in their car insurance premiums. Drivers who use Nationwide for their auto insurance will see a monthly bill about $53 (or 30%) more expensive after reporting an accident to their insurance company.

At the end of the day, the more affordable prices come from Nationwide, with average premiums coming in at $178 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 car insurance bill -- typically a lot more than a collision or speeding ticket. On average, Nationwide will raise your rates around 46% after a DUI, while Mutual of Enumclaw's average premiums climb by more than 45%.

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

Often times, your credit score can be used as one of the variables to determine your monthly insurance rates. This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it might come into play for quite a few policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

So, which carrier offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on how much auto insurance companies will charge for coverage. Typically, those who drive fewer miles will end up with cheaper premiums 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 prices for Nationwide, with drivers who put 6,000 miles on their car each year paying about $1 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Mutual of Enumclaw is the more affordable company.

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

Where you live can play a sizable role in how much you pay for insurance. Normally, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads where they live.

Mutual of Enumclaw boasts the most affordable average prices in rural and urban areas, while Nationwide wins in suburban areas.

For policyholders in urban ZIP codes, Mutual of Enumclaw's average premiums are around $30 less than Nationwide. People who live in suburban areas pay about $14 less with Nationwide compared to Mutual of Enumclaw. Those in rural areas can expect to save around $8 with Mutual of Enumclaw compared to Nationwide.

Mutual of Enumclaw vs. Nationwide 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 so many discounts out there, it may seem hard to find all the of the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Mutual of Enumclaw and Nationwide so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Nationwide blows Mutual of Enumclaw away when it comes to the sheer amount of discounts available, offering 14 more discounts than Mutual of Enumclaw.

There are a couple discounts both carriers offer, but Nationwide also offers discounts for advance quote, agency transfer, driver training, and more.

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

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

So, we've broken down the average prices for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the best one for you and your specific profile and needs?

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

• Your driving record includes a DUI charge.
• You're of retirement age and want to take advantage of lower rates.
• You want to save money while purchasing car insurance for a teenager.

Nationwide might be best for you if...

• You've received a ticket for speeding recently and don't want to see your premiums increase.
• You care about discounts (Nationwide offers the most).
• Your neighborhood is in the suburbs.

Hopefully, this guide has ben a valuable resource as you compare Mutual of Enumclaw and Nationwide. We also hope we've given you the information you need to make the best decision about your 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 Mutual of Enumclaw and Nationwide. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Mutual of Enumclaw vs. Nationwide FAQs

Is Mutual of Enumclaw or Nationwide cheaper?

Mutual of Enumclaw is the less expensive of the two carriers when looking at national average prices, with policies averaging $162 a month with Mutual of Enumclaw and $170 for Nationwide. However, that doesn't mean Mutual of Enumclaw will be the cheapest company for each policyholder, since there are many different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Mutual of Enumclaw or Nationwide?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all depends on the makeup of your unique insurance profile.

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

Car insurance companies use several different factors when determining the rates they charge. Variables such as where you park your car, age, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Mutual of Enumclaw and Nationwide calculate premiums using different factors, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 information once 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 cheapest rate. And maybe you'll find that the best company for you isn't Mutual of Enumclaw or Nationwide 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.