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

Quick Facts

• In general, Allstate offers significantly less expensive prices than Grange
• Allstate tends to be a much more affordable option for policyholders who may not have much of a commute
• Grange offers more affordable rates for residents in California, Colorado, Delaware, Idaho, Kentucky, Massachusetts, Michigan, Ohio, and Washington

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

Are you considering a new insurance policy? 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 have narrowed it down to Allstate or Grange as your top options, but which company will save you the most?

Looking at nationwide averages, Allstate has average rates that are about 20% per month cheaper than those from Grange.

But that doesn't mean Allstate will necessarily be more affordable than Grange for every driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Wanting to know if Allstate 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.

Allstate or Grange: Average Car Insurance Rates by State

Allstate and Grange compete against each other in eight states, with Grange offering cheaper rates to the average driver in all of them. If you live in Massachusetts, Allstate is the less expensive of the two carriers when looking at the overall average prices. Grange is the cheaper option in California, Colorado, Delaware, Idaho, Kentucky, Ohio, and Washington.

There are plenty of other factors that go into your car insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Allstate save more than $100 a month compared to those who use Grange.

However, both companies will offer you dramatically lower premiums 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. That being said, Allstate still has the cheapest prices at $167 a month.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? Allstate gets the edge, with premiums for drivers 65 and older $48 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Allstate is the clear winner for those who are single, with prices around $60 per month less expensive than Grange, on average. For married policyholders, the advantage is clear again - Allstate has the edge when it comes to average rates.

Allstate vs. Grange: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will typically end up paying a little more.

On average, men see premiums about 4% a month higher with Allstate, while with Grange, the difference is closer to 5% per month.

When it comes to the lowest prices for each gender, Allstate comes out on top for both men and women. On average, male drivers save about $52 a month and women save around $49 with Allstate compared to the average Grange policyholder.

Allstate 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.

It's no secret that insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- 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, alongside liability coverage).

If you're looking for state minimum liability limits, Allstate generally offers significantly more affordable premiums of $108 compared to Grange's $185. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $25 per month less expensive than Grange, on average.

Is Allstate 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.

At-fault accidents and tickets will most likely raise your prices, but is Allstate or Grange cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 a month if they get a ticket, while Grange normally raises prices around $55 per month, on average.

Even so, Allstate tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 13% less expensive for drivers with clean records and 22% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their rates climb by just under $75, while those who have insurance through Grange will see about a $85 increase.

Overall, the more affordable premiums come from Allstate, with monthly rates averaging $229 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Grange increases average prices by just under $150 a month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable premiums, Allstate tends to be the much cheaper option with average prices of $227 monthly compared to $314 from Grange.

How does Credit Score Impact Allstate and Grange Rates?

Did you know that many auto insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of policyholders.

Car insurance companies 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 company offers the most affordable rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Allstate. Policyholders with "excellent" credit can save nearly 25% compared to Grange, and those with "good" scores can also expect to see savings -- around $51 or 23% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower premiums than Grange when it comes to drivers with bad credit. Drivers with "fair" credit pay about $49 per month less with Allstate compared to Grange, and those with "poor" scores usually save an average of around $68 per month.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly auto insurance bill? Normally, the more miles you put on your car each year, the more you can expect to pay for car insurance.

Allstate tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Allstate's average rates for drivers with 6,000 annual miles come in over 20% less expensive than Grange. Those who drive 12,000 miles each year can expect to pay 20% less with Allstate over Grange.

Allstate 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 insurance, but the type of area you live in can have a substantial impact as well. Typically, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Allstate generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Allstate offers rates about $222 monthly compared to Grange's $292. People who live in suburban ZIP codes can expect to pay around $199 a month for Allstate and $235 for Grange. Lastly, those in rural areas tend to get the lowest premiums from both companies, with average monthly prices coming in at $174 and $220 for Allstate and Grange respectively.

Allstate 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 auto insurance discounts as you can.

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

Below, we've compared all of the different discounts offered by Allstate and Grange so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Grange out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Grange's 28.

There are a couple discounts both carriers offer, but Allstate also offers advance quote discounts, alert driving discounts, drive wise discounts, and more that Grange does not.

On the flip side, Grange has a couple unique discounts of its own -- advanced safety feature discounts, company car discounts, continuous insurance discounts, and more.

Final Thoughts: Is Allstate or Grange Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is Allstate or Grange the right carrier for you and your specific profile and needs?

Allstate might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You're looking for the company with the most discounts.
• You drive often but have a short commute.

Grange might be best for you if...

• You're looking for the best rates in CA, CO, DE, ID, KY, MA, MI, OH, and WA.

We hope this guide helps you get a good idea of the differences between Allstate and Grange. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Allstate and Grange. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Allstate vs. Grange FAQs

Is Allstate or Grange cheaper?

Looking just at the national average premiums, Allstate is the more affordable of the two carriers, offering average rates of $199 per month compared to $249 for Grange. But Allstate won't necessarily be the cheapest carrier for everyone, since there are a bunch of different factors that come into play when it comes to your insurance cost.

Who is better, Allstate or Grange?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for every driver -- it all depends on what your unique car insurance profile looks like.

Why do Allstate and Grange offer me different rates?

Auto insurance companies take a look at quite a few different variables when determining the prices they charge drivers. Factors like where you park your car, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Allstate and Grange use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

How do I know if Allstate 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 several 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 area information 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 premium. And who knows, the best carrier for you might not be Allstate 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.