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

Quick Facts

• Looking at the national averages for auto insurance, Atlantic States offers significantly more affordable rates than Grange
• Atlantic States has less expensive prices for policyholders who live in suburban areas
• Grange may help you save more money -- they offer more discounts than Atlantic States Insurance Company

Atlantic States or Grange: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might have narrowed it down to Atlantic States or Grange as your top options, but which company will offer you cheaper rates?

As you can see, Grange has average rates that are around 35% a month more expensive than those from Atlantic States when looking at the national average rates for car insurance.

However, that doesn't mean Atlantic States will necessarily be more affordable than Grange for each driver. Auto insurance carriers use tons of complex algorithms to determine premiums, so depending on how good your credit score is or how clean your driving record is (among a lot of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Atlantic States or Grange is really the best for you, keep reading to see average premiums for each company broken down by multiple different rate factors.

Atlantic States vs. Grange: Average Car Insurance Rates by State

Atlantic States and Grange only compete against each other in two states, with Atlantic States offering less expensive prices to the average driver in all of them. Delaware has the most noticable difference, where Atlantic States rates are $110 cheaper than insurance premiums at Grange.

But there's more to calculating auto insurance rates than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. It's generally because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Atlantic States for their auto insurance pay over 45% less than those who use Grange.

That being said, with both companies, you'll see your prices decrease significantly by the time you turn 25. For example, average premiums for Atlantic States policyholders drop more than 45% and Grange's rates lower almost 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest insurance prices out there. After all, they've likely been driving for quite some time, which usually lowers their chances of collisions and other infractions that can raise premiums.

When looking at Atlantic States and Grange specifically, which carrier is best for retired drivers? Atlantic States gets the edge, with rates for drivers 65 and older $81 less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance prices than married policyholders. This usually boils down to married couples having more than one vehicle 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 Atlantic States prices coming in at a third less than Grange's. The advantage for married drivers with Atlantic States is also obvious, where drivers save over 35% per month.

Atlantic States or Grange: Average Rates by Gender

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women tend to pay less for auto insurance than men.

With Atlantic States, women typically pay about $15 a month less than men, and around $12 less with Grange.

When it comes to the most affordable premiums for each gender, Atlantic States comes out on top for both men and women, with average rates $88 less for men and $90 cheaper for women.

Atlantic States 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.

For most people, car insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

But most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Atlantic States has the significant edge, with average monthly premiums coming in at $85. If you want a full coverage policy with the same state minimum limits, Atlantic States again has the edge, with policies averaging about $235 per month to Grange's $313.

Is Atlantic States or Grange Better for Drivers with Spotty Records?

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

Accidents and speeding tickets will most likely raise your prices, but is Atlantic States or Grange more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their car insurance can generally expect their monthly bill to go up around 5% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of about 23%.

That being said, Atlantic States tends to offer the best prices for drivers both with a ticket and with a clean record, offering premiums that are $64 and $113 cheaper, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Atlantic States drivers who get in an accident can expect to see their prices rise by just under 25%, while those who have insurance through Grange will see around a 30% increase.

At the end of the day, drivers who use Atlantic States end up with the cheaper prices after an accident, with average rates coming in at $153 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 -- normally a lot more than a collision or speeding ticket. For example, Grange increases average premiums by nearly $150 a month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Atlantic States tends to be more affordable for the average driver, with monthly premiums coming in at about $250 to Grange's $314.

How does Credit Score Impact Atlantic States and Grange Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? This isn't true for everyone (for example, Michigan and California are two states that ban the practice entirely), but it might come into play for lots of policyholders.

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

So, which company offers the lowest premiums 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 Atlantic States 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 rates. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Atlantic States tends to be the less expensive option. Atlantic States's average premiums for drivers with 6,000 annual miles come in just under 40% cheaper than Grange. Those who drive 12,000 miles annually can expect to pay more than 30% less with Atlantic States over Grange.

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

Where you live can play a considerable role in how much you pay for insurance. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Atlantic States normally 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, Atlantic States Insurance Company's average rates are around 30% less than Grange Insurance. People who live in suburban areas pay about 39% less with Atlantic States compared to Grange. Those in rural areas can expect to save around 40% with Atlantic States compared to Grange.

Atlantic States 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 difficult part is finding all of the discounts you're eligible for, 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 broke down all of the different discounts offered by both Atlantic States and Grange so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Grange blows Atlantic States away when it comes to the sheer amount of discounts available, offering nine more discounts than Atlantic States.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and hybrid vehicle discounts -- but Grange also offers discounts for advanced safety feature, agency transfer, annual mileage, and more.

On the other hand, Atlantic States has a few proprietary discounts of their own for things like advance quote discounts, family discounts, marital status discounts, and more.

Final Thoughts: Is Atlantic States or Grange Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each company offers, too. But, when it comes down to it, is Atlantic States or Grange the best fit for you?

Atlantic States might be best for you if....

• Your driving record includes a DUI charge.
• Your neighborhood is in a city.
• You don't spend much time in your car.

Grange might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Atlantic States and Grange and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Atlantic States and Grange. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Atlantic States vs. Grange FAQs

Is Atlantic States or Grange cheaper?

Atlantic States is the more affordable of the two carriers when looking at national average rates, with policies averaging $160 per month with Atlantic States and $249 for Grange. However, that doesn't mean Atlantic States will be the lowest carrier for every driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Atlantic States or Grange?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Atlantic States and Grange offer me different rates?

Auto insurance companies use a lot of different variables when calculating the premiums they charge. Things such as age, your driving record, gender, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Atlantic States and Grange calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Atlantic States 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 make it easy for you to do just that. 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 best rate. And maybe you'll find that the best carrier for you isn't Atlantic States 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.