Allied Property & Casualty vs. Grange: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Allied Property & Casualty offers significantly more affordable rates than Grange
• Allied Property & Casualty has cheaper premiums for residents of rural areas
• Grange offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. Grange: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Allied Property & Casualty or Grange for your next policy, but between the two, which one will offer you less expensive prices?

Looking at the national average rates for both companies, Grange is quite a bit more expensive than Allied Property & Casualty, with premiums averaging $249 per month compared to just $118 with Allied Property & Casualty.

But that doesn't necessarily mean Allied Property & Casualty will be the more affordable option for each driver. Insurance carriers use tons of complex algorithms to calculate rates, so depending on how old you are or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Allied Property & Casualty or Grange is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Allied Property & Casualty or Grange: Average Car Insurance Rates by State

Allied Property & Casualty and Grange only compete against each other in one states, with Grange offering cheaper rates to the average driver in all of them. Ohio has the most noticable difference, where Grange prices are less expensive than auto insurance premiums at Allied Property & Casualty.

That being said, there are plenty of other factors that go into your car insurance cost than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of more than $300 less a month by choosing Allied Property & Casualty over Grange.

Even so, with both companies, you'll see your rates drop significantly by the time 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. That being said, Allied Property & Casualty still has the most affordable premiums at $110 monthly.

Which is the Best Company for Retired Drivers?

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

But who has the best prices for retired drivers between Allied Property & Casualty and Grange? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older over 55% more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are typically less expensive for married policyholders than they are for single policyholders? That's because policies for married couples generally cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, Allied Property & Casualty is the clear winner for those who are single, with prices about $155 per month cheaper than Grange, on average. The advantage for married drivers with Allied Property & Casualty is also obvious, where drivers save nearly $100 a month.

Allied Property & Casualty vs. Grange: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll usually end up paying more for insurance than women.

With Allied Property & Casualty, women typically pay around $6 per month less than men, and about $12 less with Grange.

Looking at overall affordability, Allied Property & Casualty comes out as the most affordable option for both genders. On average, women save about $128 a month and men save around $134 with Allied Property & Casualty compared to the average Grange policyholder.

Allied Property & Casualty 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.

For most people, auto insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Allied Property & Casualty generally offers significantly less expensive premiums of $69 compared to Grange's $185. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies about $150 per month more affordable than Grange, on average.

Is Allied Property & Casualty or Grange Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 collisions will most likely raise your rates, but is Allied Property & Casualty or Grange cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their premiums to go up an average of $21 a month if they get a ticket, while Grange normally raises rates around $55 per month, on average.

That being said, Allied Property & Casualty tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are 57% and 58% less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Grange climbing by over $85. Allied Property & Casualty has a less extreme rise, but you can still expect to pay more than $40 more than you were prior to your first collision.

Overall, Allied Property & Casualty offers the lowest rates for drivers with an at-fault accident on their records, with monthly prices averaging $119 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 collision or ticket when it comes to your car insurance bill. On average, Grange will raise your premiums about 43% after a DUI, while Allied Property & Casualty's average prices climb by over 55%.

If you have a DUI on your record and are looking for more affordable rates, Allied Property & Casualty tends to be the much cheaper option with average prices of $179 a month compared to $314 from Grange.

How does Credit Score Impact Allied Property & Casualty and Grange Rates?

Did you know that many insurance carriers take into account your credit score when calculating premiums? This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for a lot of drivers.

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 Allied Property & Casualty and Grange, which company has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty 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 rates. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a small difference in monthly premiums for Grange, with policyholders who drive 6,000 miles yearly paying around $2 less each month compared to those who drive 12,000 miles every year. Still, Allied Property & Casualty is the less expensive option for drivers in both categories.

Allied Property & Casualty vs. Grange: 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 car insurance, but the type of area you live in can have a sizable impact as well. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the roads in those areas.

Allied Property & Casualty boasts the most affordable average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allied Property & Casualty's average rates are about $117 a month compared to Grange's $292. Drivers in suburban ZIP codes pay a monthly premium of around $121 with Allied Property & Casualty compared to $235 with Grange. If you live in a rural area, you can expect to pay about $117 per month with Allied Property & Casualty and $220 with Grange.

Allied Property & Casualty vs. Grange Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

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

In the section below, we've broken down all of the different discounts offered by both Allied Property & Casualty and Grange so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Grange knocks Allied Property & Casualty out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Allied Property & Casualty's 28.

Both carriers offer lots of the same discounts -- like distant student discounts, discounts for being a good driver, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Allied Property & Casualty does not.

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- advance quote discounts, EFT discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Allied Property & Casualty or Grange Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Allied Property & Casualty or Grange the right carrier for you and your specific profile and needs?

Allied Property & Casualty might be best for you if....

• You've been pulled over for speeding recently.
• Your home is located in the suburbs.
• You don't spend much time in your car.

Grange might be best for you if...

• You're looking for discounts -- Grange has the most.

We hope this guide helps you get a good idea of the differences between Allied Property & Casualty and Grange and that it aids in making a more informed decision about your 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 Allied Property & Casualty and Grange. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Grange FAQs

Is Allied Property & Casualty or Grange cheaper?

Looking just at the national average prices, Allied Property & Casualty is the more affordable of the two carriers, offering average rates of $118 per month compared to $249 for Grange. However, Allied Property & Casualty won't necessarily be the cheapest carrier for each policyholder, since there are many different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Grange?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Allied Property & Casualty and Grange offer me different rates?

Insurance companies take a look at many different factors when determining the rates they charge policyholders. Things like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Grange 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 bunch of different carriers.

How do I know if Allied Property & Casualty or Grange is right for me?

The only way to find the car 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Allied Property & Casualty 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.