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

If you're in the market for a new insurance policy, you might be wondering how Grange and AAA compare when it comes to the most affordable rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Grange offers significantly more affordable prices than AAA
  • AAA may help you save more money -- they offer more discounts than Grange Insurance
  • Grange offers more affordable premiums for policyholders who are looking to purchase insurance with a spouse

AAA or Grange: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might be considering AAA or Grange as your top options, but which company will offer you cheaper rates?

AAA Grange

Looking at nationwide averages, Grange has average rates that are around 21% a month less expensive than those from AAA.

However, that doesn't necessarily mean Grange will be the cheaper option for every single driver. Auto insurance carriers vary their premiums depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so prices will vary quite a bit from person to person.

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

AAA vs. Grange: Average Car Insurance Rates by State

State AAA Grange

AAA and Grange only compete against each other in one states, with Grange offering less expensive premiums to the average driver in all of them. California has the most noticable difference, where Grange prices are $78 more affordable than insurance premiums at AAA.

But there's more to calculating auto insurance rates than just where you live. Read on to find out more.

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Which is the Best Company For Young Drivers?

AAA Grange
18-year-old drivers$689$551
25-year-old drivers$276$205

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers. It's because teen 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Grange for their auto insurance pay almost 20% less than those who use AAA.

That being said, both companies will drop prices once you turn 25. For example, average premiums for AAA policyholders decrease about $400 and Grange's prices reduce around $350 over that time.

Which is the Best Company for Retired Drivers?

AAA Grange
65+-year-old drivers$238$200

Drivers around retirement age generally enjoy some of the cheapest car insurance rates you'll ever see. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise premiums.

So, which company offers the best rates to retired drivers? Grange gets the edge here, with average prices coming in at about $200 per month compared to AAA's $238.

Which is the Best Company for Married Drivers?

AAA Grange

You may not be aware, but insurance premiums tend to be less expensive for married couples than they are for single drivers. That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Grange premiums coming in at a quarter less than AAA's. The advantage for married policyholders with Grange is also obvious, where drivers save over $45 per month.

AAA or Grange: Average Rates by Gender

AAA Grange

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

Generally, women see rates more than 10% a month less with AAA, and around 5% less with Grange.

Looking at overall affordability, Grange comes out on top for both men and women, with average premiums $76 less for men and $54 cheaper for women.

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AAA vs. Grange: Compare State Minimum vs. Full Coverage Rates

AAA Grange
State Minimum*$169$185
Full Coverage**$459$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 limits and coverages that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

When it comes to state minimum liability insurance, AAA has the edge, while Grange offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $15 with AAA Insurance, while full coverage comes out to be about $150 cheaper with Grange Insurance.

Is AAA or Grange Better for Drivers with Spotty Records?

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

Speeding tickets and at-fault accidents will most likely raise your prices, but is AAA or Grange more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Grange
Clean Record$213$180
1 Speeding Ticket$299$235

Drivers who use AAA for their auto insurance can typically expect their monthly bill to go up around 29% after getting a speeding ticket. Grange policyholders can expect a less drastic increase of about 23%.

Even so, Grange is generally the cheaper option for both drivers who have a recent ticket and those with clean records -- their rates are around 15% less expensive for drivers with clean records and 21% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

AAA Grange
Clean Record$213$180
1 At-Fault Accident$339$266

After an accident, drivers who have their car insurance through AAA can expect to see around an $126 -- or about 37% -- rise in their insurance rates. Drivers who use Grange for their car insurance will see a monthly bill around $86 (or 32%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, the less expensive premiums come from Grange, with average prices coming in at $266 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Grange
Clean Record$213$180
1 DUI$403$314

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. AAA drivers usually see a 47% climb in their car insurance premiums after a DUI charge, while Grange will normally increase rates by about 43%.

But if you end up with a DUI charge and are looking for more affordable prices, Grange tends to be more affordable for the average driver, with monthly premiums coming in at around $314 to AAA's $403.

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How does Credit Score Impact AAA and Grange Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly auto insurance rates. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it might come into play for several policyholders.

Insurance carriers 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 prices.

So, which company offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

AAA Grange
Excellent Credit Score$185$193
Good Credit Score$247$223

If you have a great credit score, AAA will usually reward you the most for an "excellent" credit score. For drivers with "excellent" credit scores, AAA comes in 4% more affordable. Drivers with "good" credit scores generally save about 10% with Grange compared to average rates from AAA.

Which Company is Best for Drivers with Bad Credit?

AAA Grange
Fair Credit Score$304$252
Poor Credit Score$539$343

Grange typically offers lower premiums than AAA when it comes to drivers with bad credit. Drivers with "fair" credit pay around 17% per month less with Grange compared to AAA, and those with "poor" scores typically save an average of about 36% monthly.

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Is AAA or Grange Better for Drivers who Work from Home or Have Short Commutes?

AAA Grange
6,000 Annual Miles$307$248
12,000 Annual Miles$320$250

Did you know that the amount of time you spend in your car have a sizable impact on your monthly car insurance bill? That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

Grange tends to be the cheaper option for both remote workers and those taking short commutes. AAA's average prices for drivers with 6,000 annual miles come in nearly $60 more expensive than Grange. Those who drive 12,000 miles every year can expect to pay $70 more with AAA over Grange.

AAA or Grange: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a pretty big impact on your monthly auto insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

AAA Grange
Urban Areas$384$292
Suburban Areas$301$235
Rural Areas$256$220

When comparing these two companies side-by-side, Grange usually comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Grange Insurance's average premiums are around 24% less than AAA Insurance. People who live in suburban areas pay about 22% less with Grange compared to AAA. Those in rural areas can expect to save around 14% with Grange compared to AAA.

AAA vs. Grange Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts AAA and Grange offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

AAA Grange
AAA Discount 
ABS Discount 
Academic 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
Distant Student Discount
Driver Training Discount
DriveSharp Discount 
EFT Discount 
Employee Discount
Garage Discount 
Good Driving Discount
Good Student Discount

Looking at the total number of discounts, AAA comes out ahead with 33 discounts to Grange's 28.

There are a couple discounts both carriers offer, but AAA also offers discounts for AAA, academic, advance quote, and more.

On the other hand, Grange has a few proprietary discounts of their own for things like ABS discounts, advanced safety feature discounts, agency transfer discounts, and more.

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Final Thoughts: Is AAA or Grange Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is AAA or Grange the right one for you and your specific profile and needs?

Grange might be best for you if....

  • Your driving record includes a DUI charge.
  • You want the most robust protection via a "full coverage" policy.
  • You want to save money while purchasing insurance for a teenager.

AAA might be best for you if...

  • You're looking for discounts -- Aaa has the most.
  • You're looking for the best prices on liability only coverage.

Hopefully, this guide helps you get a better idea of the difference between AAA and Grange and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple carriers, not just AAA and Grange. Luckily, does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

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AAA vs. Grange FAQs

Is AAA or Grange cheaper?

Grange is the less expensive of the two carriers when looking at national average premiums, with policies averaging $249 a month with Grange and $314 for AAA. However, that doesn't mean Grange will be the most affordable carrier for everyone, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Grange?

Unfortunately, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, AAA is cheaper for drivers with excellent credit, while Grange offers more affordable rates for drivers with a recent DUI.

Why do AAA and Grange offer me different rates?

Car insurance companies use many different factors when determining the prices they charge. Things like where you call home, age, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both AAA and Grange calculate rates using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if AAA or Grange is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several 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. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't AAA 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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