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

Quick Facts

• In general, American National offers significantly more affordable prices than Grange
• American National offers less expensive average premiums for policyholders who are looking to purchase insurance with a spouse
• Grange may help you save more money -- they offer more discounts than American National Insurance Company

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to American National or Grange as your top options, but which one will offer you cheaper rates?

As you can see, American National is quite a bit cheaper than Grange, with premiums averaging $87 a month compared to $249 with Grange when looking at the national average rates for insurance.

Even so, that doesn't mean American National will necessarily be more affordable than Grange for every driver. Car insurance carriers vary their prices depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a ton of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

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

American National and Grange only compete against each other in two states, with American National offering less expensive rates to the average driver in all of them. Idaho has the most noticable difference, where American National premiums are $71 cheaper than auto insurance prices at Grange.

That being said, there are plenty of other factors that go into your insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's typically because teen 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. Just look at the table above -- where 18-year-old drivers who have American National for their car insurance pay over 65% less than those who use Grange.

However, both companies will decrease rates once you turn 25. For example, average prices for American National policyholders lower around $100 and Grange's rates drop about $350 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you can find.

So, which carrier offers the best rates to retired drivers? American National gets the edge here, with average prices coming in at around $66 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive car insurance premiums than single policyholders. This usually boils down to married policyholders having multiple vehicles on their policy -- something many insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with American National prices coming in at about a third of Grange's. The advantage for married couples with American National is also obvious, where drivers save more than 65% per month.

American National or Grange: Average Rates by Gender

Women generally to pay less for auto insurance than men. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

Usually, men see rates around 1% a month higher with American National, but with Grange, the difference is closer to 5% per month.

When it comes to the lowest prices for each gender, American National comes out as the cheapest option for both genders. On average, women save about $156 a month and men save about $167 with American National compared to the average Grange policyholder.

American National 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.

Car insurance can be a complicated subject for most people. There are a range of different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

But most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability limits, American National has the significant edge, with average monthly premiums coming in at $52. If you want a full coverage policy with the same state minimum limits, American National again has the edge, with policies averaging around $123 per month to Grange's $313.

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

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which company -- American National or Grange -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American National for their auto 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%.

However, American National has cheaper premiums for drivers in both categories -- their rates are around 63% more affordable for drivers with clean records and 64% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through American National can expect to see about an $28 -- or around 29% -- rise in their insurance prices. Drivers who use Grange for their auto insurance will see a monthly bill about $86 (or 32%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, the less expensive rates come from American National, with average premiums coming in at $95 compared to Grange Insurance's $266.

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 insurance bill -- usually a lot more than a collision or ticket. Grange drivers usually see a 43% increase in their auto insurance rates after a DUI charge, while American National will generally climb prices by around 36%.

But if you end up with a DUI charge and are looking for more affordable premiums, American National tends to be more affordable for the average driver, with monthly premiums coming in at about $104 to Grange's $314.

How does Credit Score Impact American National and Grange Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for several drivers.

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

So, which company offers the lowest rates 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 American National or Grange Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly car insurance cost. Typically, those who drive less will end up with cheaper prices since there's less of a chance of causing an accident and filing an insurance claim.

American National tends to be the less expensive option for both remote workers and those taking short commutes. Grange's average premiums for drivers with 6,000 annual miles come in around 67% more expensive than American National. Those who drive 12,000 miles annually can expect to pay about 63% more with Grange over American National.

American National or Grange: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a sizable impact on your monthly auto insurance bill. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the roads where they live.

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

For drivers in urban ZIP codes, American National Insurance Company's average premiums are around $188 less than Grange Insurance. People who live in suburban areas pay about $150 less with American National compared to Grange. Those in rural areas can expect to save around $147 with American National compared to Grange.

American National vs. Grange Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

The hard 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 looked at all of the different discounts American National and Grange offer their customers so that you can see which carrier can save you the most money each month.

Grange blows American National away when it comes to the sheer amount of discounts available, offering 28 different discounts to American National's 14.

There are a couple discounts both carriers offer, but Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, American National has a few proprietary discounts of their own like claim free discounts and excess vehicle discounts.

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

So, we've broken down the average rates for many of the variables insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which company is the best company for you and your specific profile and needs?

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

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You want to save money while purchasing auto insurance for a teenager.

Grange might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare American National and Grange. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just American National and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

American National vs. Grange FAQs

Is American National or Grange cheaper?

American National is the more affordable of the two carriers when looking at national average premiums, with policies averaging $87 a month with American National and $249 for Grange. That being said, that doesn't mean American National will be the lowest carrier for every policyholder, since there are a variety of different factors that come into play when it comes to your car insurance cost.

Who is better, American National or Grange?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do American National and Grange offer me different rates?

Auto insurance companies use a lot of different variables when determining the prices they charge. Things like gender, your driving record, where you call home, age, and sometimes even things like your credit score can all come into play. Both American National and Grange calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if American National 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 information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't American National 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.