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

How do Mutual of Enumclaw and Travelers compare when it comes to auto insurance premiums and discounts? If you want to find out which carrier has the best rates for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Mutual of Enumclaw offers slightly cheaper prices than Travelers
  • Mutual of Enumclaw has less expensive rates for policyholders who drive a short distance to work everyday
  • Travelers may help you save more money -- they offer more discounts than Mutual of Enumclaw

Mutual of Enumclaw or Travelers: 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 large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Mutual of Enumclaw or Travelers as potential options, but which carrier has cheaper prices for car insurance?

Mutual of Enumclaw Travelers

Looking at nationwide averages, Travelers is around $5 more a month than Mutual of Enumclaw.

That being said, Mutual of Enumclaw may not be the cheapest or best option for each driver out there. Auto insurance carriers vary their premiums depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and tons of other factors, so rates could change drastically from person to person.

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

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

State Mutual of Enumclaw Travelers

Mutual of Enumclaw and Travelers only compete against each other in three states, with Travelers offering less expensive prices to the average driver in all of them. Washington has the most noticable difference, where Travelers rates are $57 more affordable than insurance premiums at Mutual of Enumclaw.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Mutual of Enumclaw Travelers
18-year-old drivers$350$353
25-year-old drivers$158$141

You might already know that teen drivers normally pay a lot more for auto insurance than 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 that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of 1% less per month by choosing Mutual of Enumclaw over Travelers.

However, both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Mutual of Enumclaw policyholders lower almost 55% and Travelers's rates drop over 60% over that time.

Which is the Best Company for Retired Drivers?

Mutual of Enumclaw Travelers
65+-year-old drivers$112$132

Drivers around retirement age generally enjoy some of the lowest car insurance prices you can find. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise rates.

When looking at Mutual of Enumclaw and Travelers specifically, which carrier is best for retired drivers? Mutual of Enumclaw gets the edge, with premiums for drivers 65 and older $20 cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

Mutual of Enumclaw Travelers

You may not be aware, but auto insurance prices tend to be more affordable for married couples than they are for those who are single. This usually boils down to married drivers having several vehicles on their policy -- something lots of insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is not very significant, with Travelers prices coming in at about 2% less than Mutual of Enumclaw's. The advantage for married policyholders is more obvious, where drivers who use Mutual of Enumclaw save more than 10% a month.

Mutual of Enumclaw or Travelers: Average Rates by Gender

Mutual of Enumclaw Travelers

Women tend to pay less for car insurance than men. That's because women are less likely to get speeding tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Men typically pay around $15 per month more than women with Mutual of Enumclaw, but with Travelers, the difference is closer to $11 a month.

Looking at the data for each company specifically, Mutual of Enumclaw offers the most affordable average rates for both men and women, with average premiums $4 less for men and $6 cheaper for women.

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

Mutual of Enumclaw Travelers
State Minimum*$116$108
Full Coverage**$207$225

*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, auto insurance can be pretty complicated. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) 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 limits, Travelers has the edge, while Mutual of Enumclaw offers the lowest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Travelers, while full coverage comes out to be about $20 less expensive with Mutual of Enumclaw.

Is Mutual of Enumclaw or Travelers 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 speeding tickets and accidents lead to higher premiums, but which carrier -- Mutual of Enumclaw or Travelers -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Mutual of Enumclaw Travelers
Clean Record$109$128
1 Speeding Ticket$154$160

Drivers who use Mutual of Enumclaw for their insurance can generally expect their monthly bill to go up around 29% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of about 20%.

However, Mutual of Enumclaw tends to offer the best prices for drivers both with clean records and with a ticket, offering rates that are $19 and $6 cheaper, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Mutual of Enumclaw Travelers
Clean Record$109$128
1 At-Fault Accident$183$173

Mutual of Enumclaw policyholders who get in an accident can expect to see their premiums rise by just under $75, while those who have insurance through Travelers will see around a $45 increase.

At the end of the day, the more affordable prices come from Travelers, with average rates coming in at $173 compared to Mutual of Enumclaw's $183.

Which Company is Best for Drivers with a DUI?

Mutual of Enumclaw Travelers
Clean Record$109$128
1 DUI$200$205

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Mutual of Enumclaw increases average premiums by more than $90 per month -- that's more than a 45% increase.

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

Did you know many car insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for several drivers.

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

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

Which Company is Best for Drivers with Good Credit?

Mutual of Enumclaw Travelers
Excellent Credit Score$127$119
Good Credit Score$143$142

Which Company is Best for Drivers with Bad Credit?

Mutual of Enumclaw Travelers
Fair Credit Score$157$173
Poor Credit Score$219$231

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

Mutual of Enumclaw Travelers
6,000 Annual Miles$162$164
12,000 Annual Miles$162$169

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

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 Travelers, with drivers who put 6,000 miles on their car each year paying about $5 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Mutual of Enumclaw is the less expensive carrier.

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

Where you live can have a big impact on your monthly insurance bill. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Mutual of Enumclaw Travelers
Urban Areas$169$204
Suburban Areas$173$160
Rural Areas$143$136

Travelers normally comes out as the more affordable option for drivers in rural and suburban areas, while Mutual of Enumclaw wins in urban areas.

For policyholders in urban ZIP codes, Mutual of Enumclaw's average rates are around $35 less than Travelers. People who live in suburban areas pay about $13 less with Travelers compared to Mutual of Enumclaw. Those in rural areas can expect to save around $7 with Travelers compared to Mutual of Enumclaw.

Mutual of Enumclaw vs. Travelers Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Mutual of Enumclaw and Travelers so that you can see which one can save you the most money each month.

Mutual of Enumclaw Travelers
AAA Discount 
ABS Discount 
Advance Quote Discount 
Alternative Fuel Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 
Multi-Car Discount 

Travelers knocks Mutual of Enumclaw out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Mutual of Enumclaw's 25.

Both carriers offer lots of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good driver -- but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

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

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

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Mutual of Enumclaw or Travelers the right carrier for you and your specific profile and needs?

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

  • Your driving record includes a DUI charge.
  • You have less-than-stellar credit.
  • You want to save money while purchasing insurance for a teenager.

Travelers might be best for you if...

  • You're planning on moving to another state soon -- undefined is only available in.
  • You have above-average credit.
  • You live in a rural neighborhood.

Hopefully, this guide helps you get a good idea of the differences between Mutual of Enumclaw and Travelers and that it aids in making a more informed decision about your car insurance.

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

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Mutual of Enumclaw vs. Travelers FAQs

Is Mutual of Enumclaw or Travelers cheaper?

Mutual of Enumclaw is the cheaper of the two carriers when looking at national average prices, with policies averaging $162 a month with Mutual of Enumclaw and $167 for Travelers. Even so, that doesn't mean Mutual of Enumclaw will be the cheapest company for each driver, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Mutual of Enumclaw or Travelers?

Sadly, the real answer is "it depends.". No one carrier is "better" for every policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, Mutual of Enumclaw is less expensive for drivers who have already retired, while Travelers offers cheaper rates for single drivers.

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

Car insurance companies use quite a few different variables when calculating the prices they charge. Things like your driving record, gender, where you park your car, age, and sometimes even things like your credit score can all be taken into consideration. Both Mutual of Enumclaw and Travelers calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Mutual of Enumclaw or Travelers 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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