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

Quick Facts

• Looking at the national averages for insurance, Mutual of Enumclaw offers more affordable prices than Progressive
• Mutual of Enumclaw offers more affordable premiums for policyholders who have a clean record
• Progressive offers less expensive average prices for drivers with a DUI charge on their record

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty 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 Progressive for your next policy, but between the two, which carrier has cheaper rates for auto insurance?

Looking at the national average rates for both companies, Mutual of Enumclaw is about $18 per month less expensive than Progressive.

However, that doesn't mean Mutual of Enumclaw will necessarily be cheaper than Progressive for every single driver. Insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a variety of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

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

Mutual of Enumclaw and Progressive only compete against each other in two states, with Mutual of Enumclaw offering more affordable premiums to the average driver in all of them. Washington has the most noticable difference, where Progressive rates are over 15% less expensive 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 your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their car insurance pay more than $100 less than those who use Progressive.

But with both companies, you'll see your rates lower significantly by the time drivers turn 25. Progressive offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Mutual of Enumclaw's average prices reduce nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Mutual of Enumclaw and Progressive? Mutual of Enumclaw gets the edge here, with average rates coming in at around $112 per month compared to Progressive's $131.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Mutual of Enumclaw is the clear winner for single drivers, with prices about $28 a month cheaper than Progressive, on average. But for married drivers, that advantage is much less clear - Mutual of Enumclaw has the edge when it comes to average rates , but the difference is less than $10.

Mutual of Enumclaw vs. Progressive: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they have a higher chance of filing a claim with insurance. Therefore, insurance companies will tend to offer men more expensive prices.

Women usually pay almost $15 per month less than men with Mutual of Enumclaw, and around $5 less with Progressive.

Looking at overall affordability, Mutual of Enumclaw comes out on top for both men and women. On average, male drivers save about $15 a month and women save about $23 with Mutual of Enumclaw compared to the average Progressive policyholder.

Mutual of Enumclaw or Progressive: 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. Everyone needs auto insurance, but there are so many different coverages and terms 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 property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

In this case, Progressive offers the cheapest average premiums for state minimum liability limits, while Mutual of Enumclaw has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $5 with Progressive, while full coverage comes out to be around $45 more affordable with Mutual of Enumclaw.

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

You've probably seen plenty of commercials from 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.

You'll probably end up paying more with tickets and collisions on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect 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 Progressive typically raises rates about $31 a month, on average.

Even so, Mutual of Enumclaw tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering prices that are 27% and 14% cheaper, respectively, compared to Progressive.

Which Company is Best for Drivers After an Accident?

Both carriers will raise rates pretty significantly if you get into an at-fault accident with Mutual of Enumclaw climbing by just under $75. Progressive has a less extreme raise, but you can still expect to pay $65 more than you were prior to your first collision.

Overall, Mutual of Enumclaw offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $183 compared to Progressive's $214.

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 -- normally a lot more than a collision or ticket. Mutual of Enumclaw drivers usually see a 46% climb in their insurance rates after a DUI charge, while Progressive will generally increase premiums by around 16%.

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

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it will come into play for a lot of policyholders.

The reasoning car insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a substantial impact on your monthly premiums. Typically, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Mutual of Enumclaw or Progressive report increasing rates for drivers with higher annual mileage figures. Still, Mutual of Enumclaw comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $162 per month for both.

Mutual of Enumclaw vs. Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly auto insurance cost. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

Mutual of Enumclaw boasts the cheapest average 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 companies, but Mutual of Enumclaw comes out on top with average premiums about $143 monthly. Mutual of Enumclaw also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a $38 and $6 a month respective difference when compared to Progressive drivers in similar areas.

Mutual of Enumclaw vs. Progressive Discounts

Regardless of why you might be in the market for a new 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 difficult to find all the ones you qualify for or to nail down the carrier that has the most discounts for your unique driver profile.

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

Progressive knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 26 more discounts than Mutual of Enumclaw.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and discounts for being a good student. Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that Mutual of Enumclaw does not.

On the flip side, Mutual of Enumclaw has a unique discount of its own -- a AAA discounts.

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

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which company is the right company for you and your specific needs?

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

• You're single and purchasing car insurance by yourself.
• You already have a great credit score.
• You drive fewer than 6,000 miles annually.

Progressive might be best for you if...

• You have a DUI charge on your record.
• You're looking for discounts -- Progressive has the most.
• You want basic insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Mutual of Enumclaw and Progressive and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Mutual of Enumclaw and Progressive. 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 car insurance carriers in your area, all in just a few minutes.

Mutual of Enumclaw vs. Progressive FAQs

Is Mutual of Enumclaw or Progressive cheaper?

Looking just at the national average rates, Mutual of Enumclaw is the cheaper of the two companies, offering average rates of $162 per month compared to $180 for Progressive. However, Mutual of Enumclaw won't necessarily be the most affordable carrier for everyone, since there are a range of different variables that come into play when it comes to your auto insurance payment.

Who is better, Mutual of Enumclaw or Progressive?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Progressive offers more affordable prices for drivers with a recent DUI, while Mutual of Enumclaw is cheaper for drivers with excellent credit.

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

Insurance carriers take a look at lots of different factors when calculating the premiums they charge policyholders. Variables like gender, your driving record, age, where you call home, and sometimes even things like your credit score can all come into play. Both Mutual of Enumclaw and Progressive calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several 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 car insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Mutual of Enumclaw or Progressive 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.