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

Quick Facts

• In general, Arbella offers significantly cheaper premiums than Grange
• Arbella tends to be a much more affordable option for policyholders who drive fewer than 6,000 miles yearly
• Grange may help you save more money -- they offer more discounts than Arbella Insurance

Arbella or Grange: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You might have narrowed it down to Arbella or Grange as potential options, but which company will offer you less expensive prices?

As you can see, Arbella has average rates that are around 40% a month cheaper than those from Grange when looking at the national average rates for insurance.

However, that doesn't mean Arbella will necessarily be less expensive than Grange for every driver. Car insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and all sorts of other factors, so prices could vary drastically from person to person.

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

Arbella vs. Grange: Average Car Insurance Rates by State

Arbella and Grange only compete against each other in Massachusetts, where Arbella offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

That being said, there are plenty of other factors that go into your car insurance cost than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Arbella save 35% a month compared to those who use Grange.

But both companies will lower premiums once you turn 25. For example, average rates for Arbella policyholders decrease about $200 and Grange's premiums reduce around $350 over that time.

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 prices you can find.

So, which company offers the best rates to retired drivers? Arbella gets the edge, with prices for drivers 65 and older $106 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are typically less expensive for married drivers than they are for single drivers? That's because policies for married couples normally cover more than one vehicle, which several carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with Arbella premiums coming in at a third less than Grange's. The advantage for married policyholders with Arbella is also obvious, where drivers save over $75 per month.

Arbella or Grange: Average Rates by Gender

Because women are less likely to get into collisions and get speeding tickets, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men.

Everyone gets the same monthly rates regardless of gender with Arbella, and about 5% more with Grange.

Looking at overall affordability, Arbella comes out as the lowest option for both genders, with average prices $105 less for men and $93 cheaper for women.

Arbella 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.

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

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their 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, Arbella has the significant edge, with average monthly rates coming in at $83. If you want a full coverage policy with the same state minimum limits, Arbella again has the edge, with policies averaging around $216 a month to Grange's $313.

Is Arbella 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.

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two carriers offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Arbella for their auto insurance can usually expect their monthly bill to go up about 6% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

That being said, Arbella is normally the cheaper option for both drivers who have clean records and those with a recent ticket. With Arbella Insurance, drivers with a clean record can save about $63 per month and drivers with a speeding ticket can save around $110 a month.

Which Company is Best for Drivers After an Accident?

Arbella drivers who get in an accident can expect to see their rates increase by just under $35, while those who have insurance through Grange will see about a $85 increase.

At the end of the day, Arbella offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $151 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 -- generally a lot more than a collision or ticket. On average, Grange will climb your rates around 43% after a DUI, while Arbella's average premiums climb by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable prices, Arbella tends to be more affordable for the average driver, with monthly premiums coming in at about $206 to Grange's $314.

How does Credit Score Impact Arbella and Grange Rates?

Did you know many car insurance companies take your credit score into account when determining premiums? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it will come into play for many policyholders.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which carrier offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Generally, if you have excellent credit, you can expect to be rewarded. With Grange Insurance, improving your score from "good" to "excellent" will typically save you around $30. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Grange Insurance. For drivers with less-than-stellar credit, at Grange Insurance, you may pay about 25% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, because undefined doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Grange Insurance.

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

How much you drive can have a substantial impact on your monthly premiums. Normally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

Arbella tends to be the more affordable option for both remote workers and those taking short commutes. Grange's average premiums for drivers with 6,000 annual miles come in just under 45% more expensive than Arbella. Those who drive 12,000 miles annually can expect to pay more than 35% more with Grange over Arbella.

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

Where you live can have a large impact on your monthly car insurance bill. Typically, those who live in urban areas will pay more than drivers in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

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

Those in rural areas can expect to save around 56% with Arbella compared to Grange. People who live in suburban areas pay about 29% less with Arbella compared to Grange. For policyholders in urban ZIP codes, Arbella Insurance's average prices are around 36% less than Grange Insurance.

Arbella 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 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 carrier 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 Arbella and Grange offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Grange knocks Arbella out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Arbella.

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

On the other hand, Arbella has a few proprietary discounts of their own for things like marketing partner discounts, military discounts, and online quote discounts.

Final Thoughts: Is Arbella or Grange Best for You?

So, we've broken down the average premiums for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which carrier is the best carrier for you and your specific needs?

Arbella might be best for you if....

• You have a clean record.
• You live in a rural area.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Grange might be best for you if...

• Your credit is less-than-stellar.
• You already have a great credit score.
• You're looking for discounts -- Grange has the most.

Hopefully, this guide helps you get a better idea of the difference between Arbella and Grange. We also hope we've given you the information you need to make the best decision about your insurance.

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

Arbella vs. Grange FAQs

Is Arbella or Grange cheaper?

Arbella is the less expensive of the two companies when looking at national average prices, with policies averaging $150 a month with Arbella and $249 for Grange. Even so, that doesn't mean Arbella will be the cheapest company for every driver, since there are a range of different variables that are considered when it comes to your auto insurance payment.

Who is better, Arbella or Grange?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Grange is cheaper for drivers who have less-than-stellar credit scores, while Arbella offers less expensive rates for drivers with an at-fault accident on their record.

Why do Arbella and Grange offer me different rates?

Insurance carriers use a lot of different factors when calculating the premiums they charge. Variables such as where your home is, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Arbella and Grange calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several 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 auto insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Arbella 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.