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

Quick Facts

• In general, Oregon Mutual offers more affordable premiums than Mutual of Enumclaw
• Mutual of Enumclaw offers more affordable rates for policyholders who have a clean record
• Oregon Mutual offers more affordable premiums for residents of suburban areas

Mutual of Enumclaw or Oregon Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might have narrowed it down to Mutual of Enumclaw or Oregon Mutual for your next policy, but which one will offer you less expensive prices?

Looking at nationwide averages, Oregon Mutual has average rates that are around 17% a month cheaper than those from Mutual of Enumclaw.

Even so, that doesn't necessarily mean Oregon Mutual will be the more affordable option for every single driver. Car insurance carriers use all sorts of complex algorithms to determine rates, so depending on how old you are or where you live (among several other factors), you could see wildly different prices from the ones above.

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

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

Mutual of Enumclaw and Oregon Mutual only compete against each other in three states, with Oregon Mutual offering cheaper premiums to the average driver in all of them. Idaho has the most noticable difference, where Oregon Mutual prices are $33 less expensive than insurance rates at Mutual of Enumclaw.

That being said, there's a lot more that goes into your car insurance cost than just the state you live in. 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 premiums of any group on the road. That's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

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 almost 2% less per month by choosing Oregon Mutual over Mutual of Enumclaw.

But both companies will offer you dramatically lower premiums once you turn 25. Oregon Mutual offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Mutual of Enumclaw's average rates lower nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between Mutual of Enumclaw and Oregon Mutual? Oregon Mutual gets the edge, with premiums for drivers 65 and older over 10% cheaper than the national average for Mutual of Enumclaw.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable car insurance rates than those who are single. This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few auto insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with Oregon Mutual rates coming in at about 15% less than Mutual of Enumclaw's. The advantage for married couples with Oregon Mutual is also obvious, where drivers save around $25 a month.

Mutual of Enumclaw or Oregon Mutual: Average Rates by Gender

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

Generally, women see premiums almost $15 per month less expensive with Mutual of Enumclaw, but with Oregon Mutual, the difference is closer to $12 a month.

When it comes to the cheapest prices for each gender, Oregon Mutual offers the most affordable average premiums for both men and women. On average, male drivers save about $27 per month and women save about $26 with Oregon Mutual compared to the average Mutual of Enumclaw policyholder.

Mutual of Enumclaw vs. Oregon Mutual: 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 auto insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Oregon Mutual has the edge, with average monthly prices coming in at $97. If you want a full coverage policy with the same state minimum limits, Oregon Mutual again has the edge, with policies averaging around $172 a month to Mutual of Enumclaw's $207.

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

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

It's no secret secret that at-fault accidents and speeding tickets lead to higher prices, but which company -- Mutual of Enumclaw or Oregon Mutual -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Mutual of Enumclaw for their auto insurance can typically expect their monthly bill to go up about 29% after getting a speeding ticket. Oregon Mutual policyholders can expect a less drastic increase of around 9%.

If you have gotten a ticket, Oregon Mutual tends to offer the best premiums at about 21% more affordable, 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 around an $74 -- or about 40% -- rise in their car insurance rates. Drivers who use Oregon Mutual for their auto insurance will see a monthly bill around $22 (or 17%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, drivers who use Oregon Mutual end up with the cheaper prices after an accident, with average prices coming in at $133 compared to Mutual of Enumclaw's $183.

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 speeding ticket or even a collision. For example, Mutual of Enumclaw increases average premiums by more than $90 per month -- that's more than a 45% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Oregon Mutual tends to be less expensive for the average driver, with monthly premiums coming in at about $171 to Mutual of Enumclaw's $200.

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

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly insurance premiums. This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it might come into play for several drivers.

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

Looking at Mutual of Enumclaw and Oregon Mutual specifically, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Oregon Mutual will generally reward you the most. For policyholders with "excellent" credit scores, Oregon Mutual comes in nearly NaN cheaper. Drivers with "good" credit scores typically save around 15% with Oregon Mutual compared to average prices from Mutual of Enumclaw.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower rates than Mutual of Enumclaw when it comes to drivers with bad credit. Drivers with "fair" credit pay about 17% a month less with Oregon Mutual compared to Mutual of Enumclaw, and those with "poor" scores usually save an average of around 22% a month.

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

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. Typically, the more milage you put on your car each year, the more you can expect to pay for insurance.

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 Oregon Mutual, with policyholders who drive the least paying about $5 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Oregon Mutual is the less expensive company.

Mutual of Enumclaw or Oregon Mutual: 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 auto insurance, but the type of area you live in can have a sizable impact as well. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Oregon Mutual generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $115 per month with Oregon Mutual compared to Mutual of Enumclaw's $143. Drivers in suburban ZIP codes pay a monthly premium of about $138 with Oregon Mutual compared to $173 with Mutual of Enumclaw. In urban areas, Oregon Mutual's average premiums are around $151 per month compared to Mutual of Enumclaw's $169.

Mutual of Enumclaw vs. Oregon Mutual Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Mutual of Enumclaw and Oregon Mutual offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Oregon Mutual knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 15 different discounts to Mutual of Enumclaw's 15.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. Oregon Mutual also offers discounts for advance quote, csl discount, driver training, and more.

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

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

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific driver profile?

Oregon Mutual might be best for you if....

• You will be the only person on the insurance policy.
• Your home is in a busy urban area.
• You want to save money while purchasing car insurance for a teenager.

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

• You haven't received any speeding tickets or been in an accident in the last few years.

Hopefully, this guide helps you get a good idea of the differences between Mutual of Enumclaw and Oregon Mutual 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 several companies, not just Mutual of Enumclaw and Oregon Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Mutual of Enumclaw vs. Oregon Mutual FAQs

Is Mutual of Enumclaw or Oregon Mutual cheaper?

Oregon Mutual is the cheaper of the two companies when looking at national average prices, with policies averaging $135 a month with Oregon Mutual and $162 for Mutual of Enumclaw. However, that doesn't mean Oregon Mutual will be the most affordable company for everyone, since there are a variety of different variables that are considered when it comes to your auto insurance bill.

Who is better, Mutual of Enumclaw or Oregon Mutual?

Sadly, the answer truly is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique insurance profile looks like.

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

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

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

The only way to find the car insurance carrier 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 does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Mutual of Enumclaw or Oregon Mutual 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.