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

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Mutual of Enumclaw and Sentry. But which of these two companies is the best one for you? Read on to find which carrier has the best premiums and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Mutual of Enumclaw offers cheaper rates than Sentry
  • Mutual of Enumclaw may help you save more money -- they offer more discounts than Sentry Insurance
  • Sentry offers less expensive average prices for drivers with a DUI

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

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

You might have narrowed it down to Mutual of Enumclaw or Sentry for your next policy, but which one has more affordable rates for insurance?

Mutual of Enumclaw Sentry

As you can see, Mutual of Enumclaw has average rates that are around 17% a month cheaper than those from Sentry when looking at the national average rates for car insurance.

However, Mutual of Enumclaw may not be the cheapest or best option for each driver out there. Auto insurance carriers use all sorts of complex algorithms to determine prices, so depending on how good your credit score is or where you live (among several other factors), you could see wildly different premiums from the ones above.

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

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

State Mutual of Enumclaw Sentry

Mutual of Enumclaw and Sentry only compete against each other in one states, with Mutual of Enumclaw offering more affordable premiums to the average driver in all of them. Washington has the most noticable difference, where Mutual of Enumclaw prices are $44 less expensive than insurance premiums at Sentry.

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

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Which is the Best Company For Young Drivers?

Mutual of Enumclaw Sentry
18-year-old drivers$350$397
25-year-old drivers$158$186

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. It'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 over 10% less per month by choosing Mutual of Enumclaw over Sentry.

Even so, with both companies, you'll see your premiums reduce significantly once you turn 25. For example, average prices for Mutual of Enumclaw policyholders drop almost 55% and Sentry's rates decrease nearly 55% over that time.

Which is the Best Company for Retired Drivers?

Mutual of Enumclaw Sentry
65+-year-old drivers$112$148

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

When looking at Mutual of Enumclaw and Sentry specifically, which carrier is best for retired drivers? Mutual of Enumclaw gets the edge here, with average prices coming in at about $112 per month compared to Sentry's $148.

Which is the Best Company for Married Drivers?

Mutual of Enumclaw Sentry

Married couples tend to get slightly more affordable auto insurance rates than those who are single. That's generally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Mutual of Enumclaw prices coming in at around 15% less than Sentry's. For married policyholders, the advantage is clear again - Mutual of Enumclaw has the edge when it comes to average premiums.

Mutual of Enumclaw or Sentry: Average Rates by Gender

Mutual of Enumclaw Sentry

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. So, insurance companies will tend to charge women less than men.

With Mutual of Enumclaw, women usually pay about $15 a month less than men, and around $20 cheaper with Sentry when compared to their male counterparts.

Looking at the data for each company specifically, Mutual of Enumclaw comes out on top for both men and women, with average prices $37 less for men and $30 cheaper for women.

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Mutual of Enumclaw vs. Sentry: Compare State Minimum vs. Full Coverage Rates

Mutual of Enumclaw Sentry
State Minimum*$116$104
Full Coverage**$207$286

*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 can be pretty complicated. There are many different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

When it comes to state minimum liability insurance, Sentry has the edge, while Mutual of Enumclaw offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Sentry Insurance, while full coverage comes out to be about $80 cheaper with Mutual of Enumclaw.

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

You've probably seen plenty of commercials from insurance carriers offering great premiums 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 speeding tickets and at-fault accidents lead to higher rates, but which carrier -- Mutual of Enumclaw or Sentry -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Mutual of Enumclaw Sentry
Clean Record$109$178
1 Speeding Ticket$154$203

Drivers who use Mutual of Enumclaw for their car insurance can generally expect their monthly bill to go up around 29% after getting a speeding ticket. Sentry policyholders can expect a less drastic increase of about 12%.

But Mutual of Enumclaw is typically the less expensive option for drivers both with a ticket and with a clean record, offering rates that are 39% and 24% more affordable, respectively, compared to Sentry Insurance.

Which Company is Best for Drivers After an Accident?

Mutual of Enumclaw Sentry
Clean Record$109$178
1 At-Fault Accident$183$221

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Mutual of Enumclaw raising by around 40%. Sentry has a less extreme increase, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, drivers who use Mutual of Enumclaw end up with the cheaper prices after an accident, with average prices coming in at $183 compared to Sentry Insurance's $221.

Which Company is Best for Drivers with a DUI?

Mutual of Enumclaw Sentry
Clean Record$109$178
1 DUI$200$178

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. Mutual of Enumclaw drivers usually see a 46% raise in their auto insurance premiums after a DUI charge, while Sentry will normally climb rates by about 0%.

But if you end up with a DUI charge and are looking for more affordable prices, Sentry tends to be less expensive for the average driver, with monthly premiums coming in at around $178 to Mutual of Enumclaw's $200.

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

You may not have known, but your credit score can be used as one of the variables to calculate your monthly car insurance premiums. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it might come into play for a lot of policyholders.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Mutual of Enumclaw and Sentry, which carrier has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Mutual of Enumclaw Sentry
Excellent Credit Score$127$172
Good Credit Score$143$185

If you have solid credit, Mutual of Enumclaw will usually reward you the most. For drivers with "excellent" credit scores, Mutual of Enumclaw comes in more than 26.16 cheaper. Drivers with "good" credit scores normally save about 23% with Mutual of Enumclaw compared to average prices from Sentry.

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw Sentry
Fair Credit Score$157$198
Poor Credit Score$219$225

Mutual of Enumclaw typically offers lower rates than Sentry when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 21% per month less with Mutual of Enumclaw compared to Sentry, and those with "poor" scores generally save an average of about 3% monthly.

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

Mutual of Enumclaw Sentry
6,000 Annual Miles$162$195
12,000 Annual Miles$162$195

How much you drive can have a sizable impact on how much insurance carriers will charge for coverage. Typically, the more milage you put on your vehicle each year, the more you can expect to pay for auto insurance.

In this case, neither Mutual of Enumclaw or Sentry report increasing prices for drivers with higher annual mileage figures. That being said, 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 car every year, with average premiums of $162 a month for both.

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

Where you call home can have a substantial impact on your monthly car insurance payment. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Mutual of Enumclaw Sentry
Urban Areas$169$224
Suburban Areas$173$218
Rural Areas$143$143

Mutual of Enumclaw vs. Sentry Discounts

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

But with what seems like a million different discounts out there, it can be hard 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.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Mutual of Enumclaw and Sentry so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Mutual of Enumclaw Sentry
AAA Discount 
Advance Quote Discount 
Anti-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Good Driving Discount 
Good Student Discount 
Homeowner Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paid In Full Discount 
Renewal Discount 

Looking at the total number of discounts, Mutual of Enumclaw has advantage when it comes to total number of discounts. Sentry offers a grand total of five discounts, while Mutual of Enumclaw has eight.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver -- but Mutual of Enumclaw also offers discounts for AAA, anti-theft, distant student, and more.

On the other hand, Sentry has a few proprietary discounts of their own for things like advance quote discounts, homeowner discounts, multi-car discounts, and more.

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

You've seen the role certain factors have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Mutual of Enumclaw or Sentry the best carrier for you and your specific profile and needs?

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

  • Your driving record contains an at-fault accident.
  • You're looking for discounts -- Mutual of Enumclaw has the most.
  • You have a short commute.

Sentry might be best for you if...

  • Your driving record includes a DUI charge.
  • You're looking for the best premiums on liability only coverage.

Hopefully, this guide helps you get a better idea of the difference between Mutual of Enumclaw and Sentry. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Mutual of Enumclaw and Sentry. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

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Mutual of Enumclaw vs. Sentry FAQs

Is Mutual of Enumclaw or Sentry cheaper?

Mutual of Enumclaw is the more affordable of the two companies when looking at national average prices, with policies averaging $162 per month with Mutual of Enumclaw and $195 for Sentry. That being said, that doesn't mean Mutual of Enumclaw will be the cheapest company for each driver, since there are a range of different variables that are considered when it comes to your insurance bill.

Who is better, Mutual of Enumclaw or Sentry?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for every policyholder -- it all boils down to your unique car insurance profile. For example, Mutual of Enumclaw is cheaper for drivers with excellent credit, while Sentry offers less expensive premiums for drivers with a recent DUI.

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

Auto insurance carriers use several different factors when determining the rates they charge. Things like where your home is, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Mutual of Enumclaw and Sentry use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Mutual of Enumclaw or Sentry at all, but another you hadn't even thought of!


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.

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