Grange vs. State Farm: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, State Farm offers significantly less expensive prices than Grange
• Grange offers more discounts than State Farm
• State Farm offers more affordable average rates for policyholders who may not have much of a commute

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Grange 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 big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Grange or State Farm for your next policy, but between the two, which one will offer you cheaper prices?

Looking at the national average rates for both companies, State Farm is quite a bit cheaper than Grange, with premiums averaging $158 per month compared to $249 with Grange.

Even so, that doesn't necessarily mean State Farm will be the more affordable option for every single driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so rates could change drastically from person to person.

So, if you want to find out which of Grange or State Farm is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

Grange or State Farm: Average Car Insurance Rates by State

Grange and State Farm compete against each other in nine states, with Grange offering less expensive premiums to the average driver in all of them. Massachusetts has the most noticable difference, where State Farm rates are over 70% cheaper than car insurance premiums at Grange.

That being said, there's a lot more that goes into your auto insurance cost than just where you live. Read on to find out more.

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Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers. That's normally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have State Farm for their car insurance pay nearly $200 less than those who use Grange.

That being said, with both companies, you'll see your rates decrease significantly by the time drivers turn 25. State Farm offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Grange's average prices lower almost 65% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Grange and State Farm specifically, which company is best for retired drivers? State Farm gets the edge, with premiums for drivers 65 and older $89 less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married couples. That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, State Farm is the clear winner for those who are single, with prices about $108 a month more affordable than Grange, on average. The advantage is also clear for married drivers - State Farm offers the most affordable average premiums.

Grange vs. State Farm: Average Rates by Gender

Women generally to pay less for insurance than men. This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim.

Generally, women see prices more than $10 per month cheaper with Grange, and around $10 with State Farm.

Looking at overall affordability, State Farm comes out on top for both men and women, with average rates $91 less for men and $91 cheaper for women.

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Grange 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, auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, State Farm normally offers significantly more affordable premiums of $99 compared to Grange's $185. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies about $95 a month less expensive than Grange, on average.

Is Grange 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 auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your prices, but is Grange or State Farm cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their premiums to go up an average of $55 per month if they get a ticket, while State Farm usually raises rates around $21 a month, on average.

Even so, State Farm is typically the less expensive option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $46 and $80 more affordable, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange drivers who get in a collision can expect to see their prices climb by over $85, while those who have insurance through State Farm will see about a $30 increase.

Overall, drivers who use State Farm end up with the cheaper prices after an accident, with monthly rates averaging $163 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. On average, Grange will climb your prices around 43% after a DUI, while State Farm's average premiums rise by over 25%.

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How does Credit Score Impact Grange and State Farm Rates?

Did you know that many car insurance carriers take your credit score into account when calculating rates? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper premiums.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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Is Grange 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 substantial impact on your monthly rates? Normally, those who drive less will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

State Farm tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Grange's average premiums for drivers with 6,000 annual miles come in just under 40% more expensive than State Farm. Those who drive 12,000 miles annually can expect to pay nearly 35% more with Grange over State Farm.

Grange vs. State Farm: 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 large impact as well. Typically, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

State Farm tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but State Farm comes out on top with average premiums about $127 monthly. State Farm also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 37% and 31% per month respective difference when compared to Grange policyholders in similar areas.

Grange vs. State Farm 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 insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

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

Overall, Grange has the advantage when it comes to total number of discounts. State Farm offers a grand total of 23 discounts, while Grange has 28.

Both companies offer several of the same discounts -- like annual mileage discounts, discounts for being a defensive driver, distant student discounts, and discounts for being a good student -- but Grange also offers advanced safety feature discounts, agency transfer discounts, company car discounts, and more that State Farm does not.

On the flip side, State Farm has a couple unique discounts of its own -- drive safe & save discounts, DRL discounts, farm discounts, and more.

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Final Thoughts: Is Grange or State Farm Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which company is the right carrier for you and your specific driver profile?

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

• You have a DUI charge on your record.
• Your home is in a busy urban area.
• You drive fewer than 6,000 miles every year.

Grange might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Grange and State Farm. 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 a handful of companies, not just Grange and State Farm. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

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Grange vs. State Farm FAQs

Is Grange or State Farm cheaper?

Looking just at the national average prices, State Farm is the more affordable of the two companies, offering average rates of $158 a month compared to $249 for Grange. However, State Farm won't necessarily be the cheapest carrier for each policyholder, since there are a variety of different variables that are considered when it comes to your insurance bill.

Who is better, Grange or State Farm?

Sadly, the answer truly is "it depends.". No one company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Grange and State Farm offer me different rates?

Insurance carriers take a look at quite a few different factors when determining the rates they charge drivers. Variables such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Grange 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 range of different companies.

How do I know if Grange or State Farm 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, Compare.com does all the hard work for you. Just enter your area information 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 premium. And who knows, the best carrier for you might not be Grange or State Farm at all!

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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.