21st Century vs. Grange: Which Company is the Best Fit for You?

Want to know if 21st Century or Grange is the better choice for insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, 21st Century offers significantly more affordable prices than Grange
  • 21st Century offers less expensive average rates for policyholders who live in urban areas
  • Grange may help you save more money -- they offer more discounts than 21st Century Insurance

21st Century or Grange: 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 might have narrowed it down to 21st Century or Grange for your next policy, but which carrier will offer you cheaper prices?

21st Century Grange

Looking at the national average rates for both carriers, 21st Century has average rates that are around 40% a month less expensive than those from Grange.

However, that doesn't mean 21st Century will necessarily be cheaper than Grange for every single driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things), so rates will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both 21st Century and Grange by multiple different rate factors, so read on to find out which company is the best for you.

21st Century vs. Grange: Average Car Insurance Rates by State

State 21st Century Grange

21st Century and Grange only compete against each other in one states, with Grange offering more affordable rates to the average driver in all of them. California has the most noticable difference, where Grange premiums are $69 cheaper than insurance prices at 21st Century.

But there's more to calculating car insurance rates than just the state you live in. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

21st Century Grange
18-year-old drivers$232$551
25-year-old drivers$144$205

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

But that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of over 60% less per month by choosing 21st Century over Grange.

Even so, with both carriers, you'll see your prices reduce significantly by the time drivers turn 25. Grange offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, 21st Century still has the most affordable rates at $144 a month.

Which is the Best Company for Retired Drivers?

21st Century Grange
65+-year-old drivers$122$200

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

So, which carrier offers the best premiums to retired drivers? 21st Century gets the edge here, with average prices coming in at about $122 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

21st Century Grange

Married couples tend to get slightly more affordable insurance premiums than single drivers. That's because policies for married policyholders typically cover several vehicles, which a lot of companies will give you a discount for.

For single policyholders, the difference in average rates between these two carriers is significant, with 21st Century prices coming in at around half of Grange's. The advantage for married drivers with 21st Century is also obvious, where drivers save about $65 a month.

21st Century or Grange: Average Rates by Gender

21st Century Grange

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll generally end up paying more for car insurance than women.

Women and men end up paying same monthly premiums with 21st Century, and around 5% less with Grange when compared to their male counterparts.

When it comes to the cheapest rates for each gender, 21st Century offers the most affordable average premiums for both men and women. On average, male drivers save about $109 per month and women save about $97 with 21st Century compared to the average Grange policyholder.

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21st Century vs. Grange: Compare State Minimum vs. Full Coverage Rates

21st Century Grange
State Minimum*$79$185
Full Coverage**$212$313

*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.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage 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, alongside liability).

Looking specifically at state minimum liability insurance, 21st Century has the significant edge, with average monthly rates coming in at $79. If you want a full coverage policy with the same state minimum limits, 21st Century again has the edge, with policies averaging around $212 a month to Grange's $313.

Is 21st Century or Grange Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two companies offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century Grange
Clean Record$93$180
1 Speeding Ticket$117$235

Policyholders who use 21st Century for their auto insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

However, 21st Century tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are $87 and $118 less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

21st Century Grange
Clean Record$93$180
1 At-Fault Accident$173$266

After an accident, drivers who have their insurance through 21st Century can expect to see about an $80 -- or around 46% -- rise in their car insurance rates. Drivers who use Grange for their auto insurance will see a monthly bill about $86 (or 32%) more expensive after reporting a collision to their insurance company.

At the end of the day, 21st Century offers the cheapest prices for drivers with an at-fault collision on their records, with average premiums coming in at $173 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

21st Century Grange
Clean Record$93$180
1 DUI$200$314

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. Grange drivers usually see a 43% raise in their car insurance prices after a DUI charge, while 21st Century will normally climb rates by around 54%.

But if you end up with a DUI charge and are looking for more affordable premiums, 21st Century tends to be cheaper for the average driver, with monthly premiums coming in at about $200 to Grange's $314.

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How does Credit Score Impact 21st Century and Grange Rates?

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it does affect quite a few drivers out there.

Auto 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, policyholders with good credit will often be rewarded with more affordable rates.

Looking specifically at Grange and 21st Century, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

21st Century Grange
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

You'll often be rewarded if you have stellar credit. With Grange Insurance, improving your score from "good" to "excellent" will generally save you around 15%. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

21st Century Grange
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

If you have bad credit, it can cost you with Grange Insurance. If your credit score is in the "poor" range, at Grange Insurance, you may pay about 25% more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because undefined doesn't have data available for credit scores, they might have better rates for drivers with bad credit over Grange Insurance.

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Is 21st Century or Grange Better for Drivers who Work from Home or Have Short Commutes?

21st Century Grange
6,000 Annual Miles$139$248
12,000 Annual Miles$153$250

How much you drive can have a large impact on your monthly insurance payment. Usually, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, 21st Century tends to be the less expensive option. Grange average prices for drivers with 6,000 annual miles come in around $109 more expensive than 21st Century. Those who drive 12,000 miles annually can expect to pay about $97 more with Grange over 21st Century.

21st Century or Grange: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a sizable role in how much you pay for auto insurance. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more cars on the road where they live, which increases the chances of an accident.

21st Century Grange
Urban Areas$151$292
Suburban Areas$145$235
Rural Areas$141$220

21st Century boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $141 monthly with 21st Century compared to Grange's $220. People in suburban areas pay about $145 with 21st Century compared to Grange's $235 a month. For drivers in urban ZIP codes, 21st Century's average rates are around $151 while Grange offers premiums about $292.

21st Century vs. Grange Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both 21st Century and Grange so that you can see which company can save you the most money each month.

21st Century Grange
ABS Discount
Advance Quote Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Deluxe Discount 
Distant Student Discount 
Driver Training Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Legacy Discount 

Grange knocks 21st Century out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than 21st Century.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and paid in full discounts. Grange also offers discounts for advanced safety feature, agency transfer, annual mileage, and more.

On the other hand, 21st Century has a few proprietary discounts of their own for things like advance quote discounts, deluxe discounts, homeowner discounts, and more.

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Final Thoughts: Is 21st Century or Grange Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the right one for you and your specific profile and needs?

21st Century might be best for you if....

  • You have a speeding ticket on your driving record.
  • You're looking for the best prices on liability only coverage.
  • You drive often but have a short commute.

Grange might be best for you if...

  • You're worried about the impact your credit score will have on your rates.
  • You have above-average credit.
  • You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between 21st Century and Grange and that it aids in making a more informed decision about 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 multiple companies, not just 21st Century and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

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21st Century vs. Grange FAQs

Is 21st Century or Grange cheaper?

21st Century is the cheaper of the two companies when looking at national average premiums, with policies averaging $146 a month with 21st Century and $249 for Grange. Even so, that doesn't mean 21st Century will be the lowest company for each policyholder, since there are a variety of different factors that are considered when it comes to your car insurance cost.

Who is better, 21st Century or Grange?

Sadly, the real answer is "it depends.". No one carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Grange is less expensive for drivers who have less-than-stellar credit scores, while 21st Century offers more affordable prices for policyholders with an at-fault accident on their record.

Why do 21st Century and Grange offer me different rates?

Auto insurance carriers use many different variables when calculating the rates they charge. Factors like gender, age, your driving record, where you live, and sometimes even things like your credit score can all be used. Both 21st Century and Grange calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if 21st Century or Grange is right for me?

The only way to find the car insurance carrier 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 makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't 21st Century or Grange 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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