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

Quick Facts

• Based on national averages for insurance, State Farm offers slightly less expensive rates than Mutual of Enumclaw
• Mutual of Enumclaw offers cheaper average prices for couples purchasing auto insurance together
• State Farm tends to be a much more affordable option for drivers who have an at-fault accident on their record

Mutual of Enumclaw vs. State Farm: 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 might have narrowed it down to Mutual of Enumclaw or State Farm, but which company will offer you less expensive rates?

As you can see, State Farm is about $4 per month more affordable than Mutual of Enumclaw when looking at the national average rates for car insurance.

But that doesn't mean State Farm will necessarily be cheaper than Mutual of Enumclaw for every single driver. Insurance companies use a ton of complex algorithms to calculate prices, so depending on how old you are or how good your credit score is (among a multitude of 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 State Farm is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

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

Mutual of Enumclaw and State Farm only compete against each other in three states, with State Farm offering less expensive prices to the average driver in all of them. Washington has the most noticable difference, where State Farm premiums are over 70% more affordable than car insurance rates at Mutual of Enumclaw.

There are plenty of other factors that go into your insurance cost than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Mutual of Enumclaw for their car insurance pay $3 less than those who use State Farm.

However, with both carriers, you'll see your premiums drop significantly once you turn 25. State Farm 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 prices lower nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Mutual of Enumclaw and State Farm specifically, which carrier is best for retired drivers? State Farm gets the slight edge here, with average prices coming in at around $111 monthly compared to Mutual of Enumclaw's $112. Even so, that difference is less than 5%, which means it ultimately will come down to other variables, such as where you live or your credit score.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be cheaper for married couples than they are for single policyholders. This usually boils down to married policyholders having more than one car on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, State Farm is the winner for those who are single, with rates about $10 a month less expensive than Mutual of Enumclaw, on average.

Mutual of Enumclaw vs. State Farm: Average Rates by Gender

Men tend to pay more for auto insurance than women. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim.

On average, women see prices almost 10% per month less with Mutual of Enumclaw, while with State Farm, the difference is closer to 7% a month.

Looking at the data for each company specifically, State Farm comes out on top for both men and women. On average, male drivers save about $4 per month and women save around $3 with State Farm compared to the average Mutual of Enumclaw policyholder.

Mutual of Enumclaw or State Farm: 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, insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most 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 a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

In this case, State Farm offers the lowest average premiums for state minimum limits for liability insurance, 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 $15 with State Farm, while full coverage comes out to be about $10 more affordable with Mutual of Enumclaw.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-ideal driving 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 a month if they get a ticket, while State Farm generally raises premiums around $21 per month, on average.

But Mutual of Enumclaw is normally the cheaper option for drivers both with clean records and with a speeding ticket -- their rates are around 19% more affordable for drivers with clean records and 1% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Mutual of Enumclaw can expect to see about an $74 -- or around 40% -- increase in their insurance rates. Drivers who use State Farm for their auto insurance will see a monthly bill about $29 (or 18%) more expensive after reporting an accident to their car insurance carrier.

Overall, the cheaper premiums come from State Farm, with monthly prices averaging $163 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 insurance bill -- usually a lot more than a collision or ticket. Mutual of Enumclaw drivers usually see a 46% increase in their auto insurance rates after a DUI charge, while State Farm will generally climb prices by around 25%.

How does Credit Score Impact Mutual of Enumclaw and State Farm Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, are two states that ban the practice entirely), but it will come into play for a lot of policyholders.

Car insurance carriers 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 at Mutual of Enumclaw and State Farm specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Mutual of Enumclaw or State Farm 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 sizable impact on how much insurance companies will charge for coverage? That's because the more miles you drive, the more 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 premiums for State Farm, with policyholders who drive the least paying about $13 less each month compared to those who drive 12,000 miles every year.

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

Where you park your car can play a considerable role in how much you pay for auto insurance. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, State Farm tends to offer the lowest option for drivers in rural and suburban areas, while Mutual of Enumclaw wins in urban areas.

In urban areas, Mutual of Enumclaw's average prices are around $16 less than State Farm. Drivers in suburban ZIP codes pay about $12 less with State Farm compared to Mutual of Enumclaw. If you live in a rural area, you can expect to save around $16 with State Farm compared to Mutual of Enumclaw.

Mutual of Enumclaw vs. State Farm Discounts

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

But with what seems like a million different discounts out there, it can be difficult 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 section below, we've taken a look at all of the different discounts Mutual of Enumclaw and State Farm offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

State Farm knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Mutual of Enumclaw's 23.

There are a couple discounts both companies offer, but State Farm also offers ABS discounts, annual mileage discounts, drive safe & save 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 State Farm Best for You?

So, we've broken down the average premiums 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 when it comes down to it, is Mutual of Enumclaw or State Farm the best company for you, your vehicle, and your wallet?

State Farm might be best for you if....

• You're single and purchasing insurance by yourself.
• You have an at-fault collision on your record.
• Your neighborhood is in the suburbs.

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

• You have a clean record.
• You're buying car insurance for a teen and looking for a wallet-friendly option.
• You drive fewer than 12,000 miles annually.

We hope this guide has ben a valuable resource as you compare Mutual of Enumclaw and State Farm. We also hope we've given you the information you need to make the best 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 car insurance policy is to compare quotes from several companies, not just Mutual of Enumclaw and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Mutual of Enumclaw vs. State Farm FAQs

Is Mutual of Enumclaw or State Farm cheaper?

Looking just at the national average rates, State Farm is the less expensive of the two companies, offering average rates of $158 a month compared to $162 for Mutual of Enumclaw. Even so, State Farm won't necessarily be the cheapest carrier for each policyholder, since there are several different variables that come into play when it comes to your insurance bill.

Who is better, Mutual of Enumclaw or State Farm?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, State Farm offers cheaper prices for drivers with an at-fault accident on their record, while Mutual of Enumclaw is more affordable for drivers who have less-than-stellar credit scores.

Why do Mutual of Enumclaw and State Farm offer me different rates?

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

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of 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 free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Mutual of Enumclaw or State Farm 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.