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

Quick Facts

• Looking at the national averages for insurance, American Select offers significantly cheaper prices than Grange
• American Select tends to be a much less expensive option for policyholders who drive a short distance to work everyday
• Grange may help you save more money -- they offer more discounts than American Select Insurance Company

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

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

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

As you can see, American Select has average rates that are around 30% a month cheaper than those from Grange when looking at the national average rates for auto insurance.

That being said, American Select may not be the lowest or best option for each driver out there. Insurance carriers vary their premiums depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and a variety of other factors, so prices could change drastically from person to person.

Luckily, we've broken down average rates from both American Select and Grange by lots of different rate factors, so read on to find out which carrier is the best for you.

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

American Select and Grange only compete against each other in three states, with American Select offering more affordable prices to the average driver in all of them. Michigan has the most noticable difference, where American Select premiums are $482 less expensive than car insurance rates at Grange.

That being said, there are plenty of other factors that go into your auto insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, 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 Select for their auto insurance pay almost 45% less than those who use Grange.

But with both companies, you'll see your rates lower significantly by the time drivers turn 25. For example, average prices for American Select policyholders reduce over 45% and Grange's rates drop nearly 65% over that time.

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 most affordable premiums you can find.

When looking at American Select and Grange specifically, which company is best for retired drivers? American Select gets the edge, with prices for drivers 65 and older $64 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are normally more expensive for those who are single than they are for married couples? That's usually because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with American Select prices coming in at a third less than Grange's. The advantage for married drivers with American Select is also obvious, where drivers save about $50 per month.

American Select or Grange: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. So, insurance companies will tend to offer women more affordable premiums.

With American Select, men generally pay around 1% more a month than women., and about 5% more with Grange.

When it comes to the lowest rates for each gender, American Select comes out on top for both men and women, with average prices 33% less for men and 30% cheaper for women.

American Select 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.

Auto insurance can be a complicated subject for most people. 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 bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, American Select has the significant edge, with average monthly rates coming in at $90. If you want a full coverage policy with the same state minimum limits, American Select again has the edge, with policies averaging around $251 per month to Grange's $313.

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

You've probably seen plenty of commercials from insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and collisions lead to higher premiums, but which carrier -- American Select or Grange -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Select for their car insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

However, American Select tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 35% less expensive for drivers with clean records and 37% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through American Select can expect to see about an $41 -- or around 26% -- rise in their auto insurance premiums. Drivers who use Grange for their car insurance will see a monthly bill about $86 (or 32%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, the more affordable prices come from American Select, with average premiums coming in at $158 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 speeding ticket when it comes to your car insurance bill. American Select drivers usually see a 55% climb in their insurance prices after a DUI charge, while Grange will normally raise rates by around 43%.

But if you end up with a DUI charge and are looking for more affordable premiums, American Select tends to be cheaper for the average driver, with monthly premiums coming in at about $258 to Grange's $314.

How does Credit Score Impact American Select and Grange Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly car insurance rates. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect lots of drivers out there.

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 less expensive prices.

So, which carrier offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Select 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 prices. Usually, the more milage you drive, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Select charges. However, there's a small difference in monthly rates for Grange, with policyholders who drive 6,000 miles annually paying around $2 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, American Select is the more affordable company.

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

Where your home is can play a considerable role in how much you pay for auto insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

American Select boasts the lowest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, American Select's average prices are about $205 a month compared to Grange's $292. People in suburban areas pay around $150 with American Select compared to Grange's $235 a month. If you live in a rural area, you can expect to pay about $156 per month with American Select and $220 with Grange.

American Select vs. Grange Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many 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 broke down all of the different discounts offered by both American Select and Grange so that you can easily see which company offers the most discounts and, therefore, the largest savings.

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

Both carriers offer many of the same discounts -- like agency transfer discounts, company car discounts, discounts for being a defensive driver, and discounts for being a good student -- but Grange also offers discounts for advanced safety feature, annual mileage, continuous insurance, and more.

On the other hand, American Select has a few proprietary discounts of their own for things like account relationship discounts, advance quote discounts, companion auto discounts, and more.

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

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is American Select or Grange the right fit for you?

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

• You have below-average credit.
• You're looking for the best premiums on liability only coverage.
• You live in a rural neighborhood.

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 Select 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 best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just American Select and Grange. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

American Select vs. Grange FAQs

Is American Select or Grange cheaper?

American Select is the less expensive of the two carriers when looking at national average rates, with policies averaging $170 per month with American Select and $249 for Grange. That being said, that doesn't mean American Select will be the cheapest company for every driver, since there are a variety of different variables that come into play when it comes to your insurance bill.

Who is better, American Select or Grange?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for each policyholder -- it all depends on what your unique auto insurance profile looks like.

Why do American Select and Grange offer me different rates?

Car insurance companies use quite a few different factors when determining the premiums they charge. Things such as age, where you live, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both American Select and Grange calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if American Select or Grange is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't American Select 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.