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

Quick Facts

• Based on national averages for auto insurance, Grange offers significantly cheaper prices than Acuity
• Grange has less expensive rates for residents of suburban areas
• Grange offers more affordable prices for people who are single and purchasing insurance by yourself

Acuity vs. Grange: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. 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 Acuity or Grange as your top options, but which one has cheaper premiums for car insurance?

As you can see, Acuity is about $64 more per month than Grange when looking at the national average rates for insurance.

That being said, that doesn't mean Grange will necessarily be less expensive than Acuity for each driver. Auto insurance companies use a ton of complex algorithms to calculate rates, so depending on how clean your driving record is or how good your credit score is (among a bunch of other factors), you could see wildly different prices from the ones above.

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

Acuity or Grange: Average Car Insurance Rates by State

Acuity and Grange only compete against each other in one states, with Grange offering more affordable prices to the average driver in all of them. Colorado has the most noticable difference, where Grange rates are over 70% cheaper than car insurance premiums at Acuity.

But there's more to calculating auto insurance rates than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Grange for their auto insurance pay more than $400 less than those who use Acuity.

But both carriers will drop rates once you turn 25. Grange offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Acuity's average prices lower over 75% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

So, which company offers the best premiums to retired drivers? Acuity gets the slight edge, with prices for drivers 65 and older nearly 10% less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable insurance rates than single drivers. That's because policies for married couples normally cover several cars, which several companies will offer you a discount for.

When it comes to relationship status, Grange is the clear winner for single policyholders, with premiums around $112 a month less expensive than Acuity, on average. It's not quite so glaring for married drivers, where drivers who use Grange save about 1% per month.

Acuity vs. Grange: Average Rates by Gender

Because men are more likely to get speeding tickets and get into collisions, they run a larger risk of filing a claim with insurance. Therefore, men typically pay more for auto insurance than women.

With Acuity, women generally pay almost $20 a month less than men, and around $12 less with Grange.

When it comes to the most affordable prices for each gender, Grange comes out on top for both men and women, with average rates 21% less for men and 20% cheaper for women.

Acuity or Grange: 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.

Insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

In this case, Acuity offers the lowest average prices for state minimum liability limits, while Grange has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $15 with Acuity Insurance, while full coverage comes out to be about $150 cheaper with Grange Insurance.

Is Acuity or Grange 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity policyholders can expect their prices to go up an average of $94 per month if they get a ticket, while Grange typically raises premiums around $55 a month, on average.

However, Grange tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering rates that are $49 and $88 more affordable, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Acuity policyholders who get in a collision can expect to see their premiums rise by just under 35%, while those who have insurance through Grange will see about a 30% increase.

Overall, the cheaper prices come from Grange, with monthly rates averaging $266 compared to Acuity Insurance's $344.

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 car insurance bill. Grange drivers usually see a 43% increase in their auto insurance premiums after a DUI charge, while Acuity will generally climb rates by around 36%.

If you have a DUI on your record and are looking for more affordable prices, Grange tends to be the much more affordable option with average rates of $314 monthly compared to $357 from Acuity.

How does Credit Score Impact Acuity and Grange Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it might come into play for a lot of drivers.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance bill. Usually, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

Grange tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Acuity's average rates for drivers with 6,000 annual miles come in just under $50 more expensive than Grange. Those who drive 12,000 miles yearly can expect to pay $80 more with Acuity over Grange.

Acuity vs. Grange: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance cost. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

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

Drivers in rural ZIP codes see the cheapest prices from both carriers, but Grange comes out on top with average premiums about $220 a month. Grange also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a 22% and 25% per month respective difference when compared to Acuity drivers in similar areas.

Acuity vs. Grange 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.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Below, we've broken down all of the different discounts offered by both Acuity and Grange so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Grange blows Acuity away when it comes to the sheer amount of discounts available, offering 28 different discounts to Acuity's nine.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, distant student discounts, and group discounts -- but Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Acuity does not.

On the flip side, Acuity has a unique discount of its own -- a college graduate discounts.

Final Thoughts: Is Acuity or Grange Best for You?

So, we've broken down the average rates for many of the variables car insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Acuity or Grange the best one for you, your vehicle, and your wallet?

Grange might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums increase.
• You already have a great credit score.
• You live in a rural area.

Acuity might be best for you if...

• You want basic insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your auto insurance.

We hope this guide helps you get a better idea of the difference between Acuity 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 several companies, not just Acuity and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Acuity vs. Grange FAQs

Is Acuity or Grange cheaper?

Looking just at the national average rates, Grange is the more affordable of the two companies, offering average rates of $249 a month compared to $313 for Acuity. But Grange won't necessarily be the lowest company for everyone, since there are lots of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Acuity or Grange?

Sadly, the real answer is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Grange offers cheaper premiums for single policyholders, while Acuity is more affordable for drivers who have already retired.

Why do Acuity and Grange offer me different rates?

Car insurance carriers take a look at quite a few different variables when calculating the prices they charge drivers. Factors such as gender, age, your driving record, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Grange use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto 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 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. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Acuity or Grange 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.