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

Quick Facts

• In general, Alliance United offers slightly less expensive prices than Grange
• Alliance United offers more affordable rates for policyholders who have a short commute
• Grange offers cheaper average prices for drivers who have below-average credit

Alliance United or Grange: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Alliance United or Grange for your next policy, but between the two, which company will offer you more affordable rates?

Looking at nationwide averages, Grange is around $24 more a month than Alliance United.

That being said, that doesn't mean Alliance United will necessarily be cheaper than Grange for every single driver. Car insurance carriers use all sorts of complex algorithms to determine premiums, so depending on how old you are or where you live (among lots of other factors), you could see wildly different rates from the ones above.

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

Alliance United vs. Grange: Average Car Insurance Rates by State

Alliance United and Grange only compete against each other in California, where Grange offers the cheaper average prices. Grange drivers tend to pay about $88 per month less on average compared to drivers who use Alliance United for their auto insurance.

But there's more to calculating insurance premiums than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 Alliance United for their car insurance pay almost 25% less than those who use Grange.

But both companies will offer you dramatically lower rates by the time you turn 25. Grange offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Alliance United's average prices decrease over 45% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever see.

When looking at Alliance United and Grange specifically, which carrier is best for retired drivers? In this case, Alliance United has the slight edge, with rates about $6 a month less than Grange. Even so, that difference is less than 5%, which means it ultimately will come down to other variables, like your driving record is or your credit score.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more affordable for married drivers than they are for single policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something a lot of auto insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with Alliance United rates coming in at around 15% less than Grange's. But for married policyholders, that advantage is much less clear - Alliance United has the edge when it comes to average premiums , but the difference is less than $5.

Alliance United or Grange: Average Rates by Gender

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 insurance than women.

Women and men get the same monthly prices with Alliance United, but with Grange, the difference is closer to $12 per month.

Looking at the data for each company specifically, Alliance United comes out on top for both men and women, with average rates 12% less for men and 7% cheaper for women.

Alliance United vs. 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.

For most people, car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

The two 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 collision and comprehensive coverages that protect your own car, alongside liability).

When it comes to state minimum limits for liability insurance, Alliance United has the edge, while Grange offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $85 with Alliance United, while full coverage comes out to be about $35 less expensive with Grange Insurance.

Is Alliance United or Grange Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two companies offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Alliance United for their auto insurance can normally expect their monthly bill to go up around 25% after getting a speeding ticket. Grange policyholders can expect a less drastic increase of about 23%.

That being said, Alliance United has more affordable rates for drivers in both categories, offering premiums that are $41 and $50 less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Alliance United policyholders who get in a collision can expect to see their prices climb by over 50%, while those who have insurance through Grange will see around a 30% increase.

At the end of the day, drivers who use Grange end up with the cheaper prices after an accident, with average rates coming in at $266 compared to Alliance United's $289.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than an accident or ticket. On average, Alliance United will increase your prices about 52% after a DUI, while Grange's average premiums increase by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable rates, Alliance United tends to be cheaper for the average driver, with monthly premiums coming in at around $289 to Grange's $314.

How does Credit Score Impact Alliance United and Grange Rates?

Did you know many auto insurance carriers take into account your credit score when determining premiums? 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 many drivers.

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 less expensive prices.

So, which carrier offers the lowest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Grange Insurance will usually reward you. With Grange Insurance, improving your score from "good" to "excellent" will typically save you about 15%. undefined, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit normally means you'll also see higher prices with Grange Insurance. For drivers with less-than-stellar credit, at Grange Insurance, you may pay around 25% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, undefined doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over Grange Insurance.

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

How much you drive can have a considerable impact on how much car insurance carriers will charge for coverage. Generally, those who drive less will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Alliance United offers cheaper prices than Grange. Alliance United's average rates for drivers with 6,000 annual miles come in just under 15% more affordable than Grange. Those who drive 12,000 miles every year can expect to pay 5% less with Alliance United over Grange.

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

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Usually, 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.

Looking at these companies side-by-side, Alliance United generally comes out as the less expensive option for drivers in rural and urban areas, while Grange wins in suburban areas.

Those in rural areas can expect to save about 6% with Alliance United compared to Grange. People who live in suburban areas pay around 2% less with Grange compared to Alliance United. For drivers in urban ZIP codes, Alliance United's average rates are about 21% less than Grange Insurance.

Alliance United 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, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Alliance United and Grange offer their customers so that you can see which one can save you the most money each month.

Grange knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Alliance United's 28.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and renewal discounts -- but Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

Alliance United's discounts come through just three categories -- Defensive Driver, Good Driving, and Renewal Discount.

Final Thoughts: Is Alliance United or Grange Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, is Alliance United or Grange the right carrier for you and your specific profile and needs?

Alliance United might be best for you if....

• You will be the only person on the car insurance policy.
• You're of retirement age and want to take advantage of lower premiums.
• You want to save money while purchasing insurance for a teenager.

Grange might be best for you if...

• Your credit is below-average.
• You're looking for discounts -- Grange has the most.
• You live in an suburban area.

Hopefully, this guide has ben a valuable resource as you compare Alliance United and Grange and that you can now make a more informed 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 multiple carriers, not just Alliance United and Grange. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Alliance United vs. Grange FAQs

Is Alliance United or Grange cheaper?

Alliance United is the cheaper of the two carriers when looking at national average rates, with policies averaging $225 per month with Alliance United and $249 for Grange. However, that doesn't mean Alliance United will be the cheapest carrier for everyone, since there are a bunch of different variables that are considered when it comes to your auto insurance cost.

Who is better, Alliance United or Grange?

Unfortunately, the answer truly is "it depends.". No single company is necessarily "better" for each policyholder -- it all boils down to your unique insurance profile. For example, Grange is more affordable for drivers with excellent credit, while Alliance United offers less expensive premiums for drivers with a recent DUI.

Why do Alliance United and Grange offer me different rates?

Auto insurance companies use lots of different factors when calculating the prices they charge. Things like your driving record, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both Alliance United and Grange use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies 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 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 carrier for you isn't Alliance United or Grange at all, but another you hadn't even thought of!

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.