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

Quick Facts

• In general, American Family offers significantly more affordable premiums than Grange
• American Family has cheaper rates for single people who will be the only person on the insurance policy
• Grange may help you save more money -- they offer more discounts than American Family Insurance

American Family or Grange: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to American Family or Grange as your top options, but between the two, which one has more affordable premiums for auto insurance?

Looking at the national average rates for both carriers, American Family has average rates that are around 45% a month less expensive than those from Grange.

That being said, that doesn't necessarily mean American Family will be the cheaper option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things), so prices could change drastically from person to person.

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

American Family vs. Grange: Average Car Insurance Rates by State

American Family and Grange compete against each other in four states, with American Family offering less expensive prices to the average driver in all of them. Idaho has the most noticable difference, where American Family rates are $40 cheaper than auto insurance premiums at Grange.

There are plenty of other factors that go into your car insurance payment than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group out there on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use American Family save almost 45% per month compared to those who use Grange.

Even so, both carriers will decrease prices by the time you turn 25. Grange offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, American Family still has the most affordable premiums at $121 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

When looking at American Family and Grange specifically, which carrier is best for retired drivers? American Family gets the edge, with rates for drivers 65 and older over 45% more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single drivers than they are for married couples. That's because policies for married policyholders usually cover several vehicles, which a lot of companies will give you a discount for.

For single policyholders, the difference in average rates between these two carriers is significant, with American Family prices coming in at about half of Grange's. The advantage for married drivers with American Family is also obvious, where drivers save more than 45% a month.

American Family or Grange: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get tickets. That means when it comes to auto insurance men will normally end up paying a little more.

With American Family, men typically pay around $5 per month more than women, but with Grange, the difference is closer to $12 a month.

Looking at the data for each company specifically, American Family comes out on top for both men and women. On average, women save about $105 per month and men save about $112 with American Family compared to the average Grange policyholder.

American Family 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.

Insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, American Family has the significant edge, with average monthly rates coming in at $96. If you want a full coverage policy with the same state minimum limits, American Family again has the edge, with policies averaging around $185 a month to Grange's $313.

Is American Family or Grange Better for Drivers with Spotty Records?

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

Collisions and speeding tickets will most likely raise your prices, but is American Family or Grange cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Family for their insurance can normally expect their monthly bill to go up about 20% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

Even so, American Family has less expensive premiums for drivers in both categories, offering prices that are $62 and $88 more affordable, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault collision with Grange climbing by about 32%. American Family has a less extreme increase, but you can still expect to pay nearly 15% more than you were prior to your first accident.

At the end of the day, American Family offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $138 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 accident or ticket when it comes to your auto insurance bill. For example, Grange increases average premiums by nearly $150 per month -- that's just under a 45% increase.

But if you end up with a DUI charge and are looking for more affordable rates, American Family tends to be less expensive for the average driver, with monthly premiums coming in at around $158 to Grange's $314.

How does Credit Score Impact American Family and Grange Rates?

Did you know many car insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for lots of drivers.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at American Family and Grange specifically, which company has the best 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 American Family 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 insurance bill. Usually, the more milage you put on your car, the more you can expect to pay for car insurance.

American Family tends to be the more affordable option for both remote workers and those taking short commutes. American Family's average rates for drivers with 6,000 annual miles come in about 44% cheaper than Grange. Those who drive 12,000 miles each year can expect to pay around 43% less with American Family over Grange.

American Family or 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. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

When comparing these two carriers side-by-side, American Family typically comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 45% with American Family compared to Grange. People who live in suburban areas pay around 43% less with American Family compared to Grange. For drivers in urban ZIP codes, American Family Insurance's average premiums are about 43% less than Grange Insurance.

American Family vs. Grange Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by American Family and Grange so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Grange blows American Family away when it comes to the sheer amount of discounts available, offering 28 different discounts to American Family's 21.

A couple of those are overlapping for things like COVID-19 relief discount, distant student discounts, discounts for being a good student, and multi-policy discounts. Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, American Family has a few proprietary discounts of their own for things like advance quote discounts, connect partner discounts, DRL discounts, and more.

Final Thoughts: Is American Family or Grange Best for You?

So, you've seen how different variables can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right carrier for you and your specific driver profile?

American Family might be best for you if....

• You're worried about the impact your credit score will have on your prices.
• You want the most robust protection via a "full coverage" policy.
• You've started working from home and don't have much of a commute.

Grange might be best for you if...

• You care about discounts (Grange offers the most).

Hopefully, this guide helps you get a better idea of the difference between American Family and Grange and that it aids in making a more informed decision about your 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 auto insurance -- comparing quotes from several companies, not just American Family 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 insurance carriers in your area, all for free.

American Family vs. Grange FAQs

Is American Family or Grange cheaper?

American Family is the more affordable of the two companies when looking at national average premiums, with policies averaging $140 a month with American Family and $249 for Grange. But that doesn't mean American Family will be the cheapest carrier for every policyholder, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American Family or Grange?

Sadly, the answer truly is "it depends.". Neither company is "better" for each policyholder -- it all boils down to your unique auto insurance profile.

Why do American Family and Grange offer me different rates?

Car insurance carriers use quite a few different variables when calculating the prices they charge. Things like age, where you live, your driving record, gender, and sometimes even things like your credit score can all be used. Both American Family and Grange calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if American Family 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 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 area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't American Family 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.