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

Quick Facts

• Based on national averages for auto insurance, Pemco offers significantly less expensive premiums than Mutual of Enumclaw
• Pemco tends to be a much more affordable option for drivers who have an at-fault accident on their record
• Pemco offers cheaper average rates for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Mutual of Enumclaw or Pemco as your top options, but which one will save you the most?

Looking at the national average rates for both companies, Mutual of Enumclaw is quite a bit more expensive than Pemco, with prices averaging $162 per month compared to just $107 with Pemco.

However, Pemco may not be the cheapest or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things), so premiums could differ drastically from person to person.

Luckily, we've broken down average rates from both Mutual of Enumclaw and Pemco by many different rate factors, so read on to find out which carrier is the best for you.

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

Mutual of Enumclaw and Pemco only compete against each other in Washington, where Pemco offers the cheaper average premiums. For Washington residents, Pemco offers insurance for $107 a month on average. Mutual of Enumclaw's average prices come out to be over 50% more expensive, at $165 monthly.

But there's more to calculating auto insurance rates than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, 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 Pemco over Mutual of Enumclaw.

But both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for Mutual of Enumclaw policyholders reduce almost $200 and Pemco's rates decrease more than $100 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best prices for retired drivers between Mutual of Enumclaw and Pemco? Pemco gets the edge, with premiums for drivers 65 and older nearly 20% less expensive than the national average for Mutual of Enumclaw.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more affordable for married policyholders than they are for single policyholders. This usually boils down to married couples having more than one car on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, Pemco is the clear winner for those who are single, with premiums about $70 per month cheaper than Mutual of Enumclaw, on average. The advantage for married drivers with Pemco is also obvious, where drivers save around $35 a month.

Mutual of Enumclaw vs. Pemco: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll generally end up paying more for auto insurance than women.

On average, women see prices almost $15 per month less expensive with Mutual of Enumclaw, while with Pemco, the difference is closer to $4 a month.

Looking at overall affordability, Pemco comes out on top for both men and women. On average, women save about $50 per month and men save about $59 with Pemco compared to the average Mutual of Enumclaw policyholder.

Mutual of Enumclaw or Pemco: 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.

Car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage 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 liability).

If you're looking for state minimum limits for liability insurance, Pemco usually offers significantly more affordable premiums of $62 compared to Mutual of Enumclaw's $116. When it comes to full coverage policies with similar limits, Pemco again has the edge, with policies around $55 a month cheaper than Mutual of Enumclaw, on average.

Is Mutual of Enumclaw or Pemco 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.

It's no secret secret that at-fault accidents and tickets lead to higher prices, but which company -- Mutual of Enumclaw or Pemco -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Mutual of Enumclaw policyholders can expect their prices to go up an average of $45 per month if they get a ticket, while Pemco typically raises premiums about $16 a month, on average.

Even so, Pemco has more affordable rates for drivers in both categories -- their rates are around 22% less expensive for drivers with clean records and 34% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Mutual of Enumclaw drivers who get in an accident can expect to see their prices increase by over 40%, while those who have insurance through Pemco will see around a 25% increase.

Overall, Pemco offers the cheapest premiums for drivers with an at-fault collision on their records, with monthly rates averaging $111 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. On average, Mutual of Enumclaw will increase your prices about 46% after a DUI, while Pemco's average premiums rise by over 35%.

If you have a DUI on your record and are looking for more affordable rates, Pemco tends to be the much less expensive option with average prices of $131 per month compared to $200 from Mutual of Enumclaw.

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

Did you know that many car insurance companies take into account your credit score when calculating premiums? 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 quite a few policyholders.

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

So, which carrier offers the lowest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Pemco. Policyholders with "excellent" credit can save more than 50% compared to Mutual of Enumclaw, and those with "good" scores can also expect to see savings -- around $61 or 43% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Pemco typically offers lower premiums than Mutual of Enumclaw when it comes to drivers with bad credit. Drivers with "fair" credit pay about $51 per month less with Pemco compared to Mutual of Enumclaw, and those with "poor" scores normally save an average of around $41 monthly.

Is Mutual of Enumclaw or Pemco 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 large impact on your monthly prices? That's because the fewer miles you put on your car, the less likely you are to get into an accident and cause 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 Pemco, with policyholders who drive the least paying about $6 less every month compared to those who drive 12,000 miles yearly. Still, Pemco is the cheaper option for drivers in both categories.

Mutual of Enumclaw vs. Pemco: 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 big impact as well. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of vehicles that are on the roads in those areas.

Pemco tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable premiums from both companies, but Pemco comes out on top with average rates around $88 a month. Pemco also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a 32% and 31% a month respective difference when compared to Mutual of Enumclaw drivers in similar areas.

Mutual of Enumclaw vs. Pemco Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

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

Looking at the total number of discounts, Pemco comes out ahead with 12 discounts to Mutual of Enumclaw's eight.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, and multi-policy discounts. Pemco also offers advance quote discounts, employee discounts, group discounts, and more that Mutual of Enumclaw does not.

On the flip side, Mutual of Enumclaw has a couple unique discounts of its own -- AAA discounts, discounts for being a good driver, and renewal discounts.

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

So, we've broken down the average rates for many of the factors car insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right company for you and your specific needs?

Pemco might be best for you if....

• You want to save money on your insurance after a collision.
• You live in an urban area.
• You drive fewer than 6,000 miles each year.

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

• You have a more unique driver profile than those we mentioned above.

We hope this guide has ben a valuable resource as you compare Mutual of Enumclaw and Pemco and that it aids in making a more informed decision about your car 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 insurance -- comparing quotes from several companies, not just Mutual of Enumclaw and Pemco. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Mutual of Enumclaw vs. Pemco FAQs

Is Mutual of Enumclaw or Pemco cheaper?

Looking just at the national average prices, Pemco is the cheaper of the two companies, offering average rates of $107 per month compared to $162 for Mutual of Enumclaw. That being said, Pemco won't necessarily be the cheapest company for every policyholder, since there are several different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Mutual of Enumclaw or Pemco?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for each driver -- it all depends on the makeup of your unique car insurance profile.

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

Auto insurance carriers take a look at many different factors when determining the premiums they charge policyholders. Things like gender, age, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Mutual of Enumclaw and Pemco calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the 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, sites like Compare.com make 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 companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Mutual of Enumclaw or Pemco 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.