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

Quick Facts

• Based on national averages for auto insurance, Buckeye offers significantly cheaper rates than Grange
• Buckeye offers less expensive average premiums for drivers with a DUI
• Grange may help you save more money -- they offer more discounts than Buckeye Insurance Group

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

So, you're considering 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 your search down to Buckeye or Grange as your top options, but which one will save you the most?

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

However, that doesn't necessarily mean Buckeye will be the more affordable option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things). So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

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

Buckeye vs. Grange: Average Car Insurance Rates by State

Buckeye and Grange only compete against each other in one states, with Grange offering less expensive rates to the average driver in all of them. Ohio has the most noticable difference, where Grange premiums are $32 cheaper than car insurance prices at Buckeye.

There's a lot more that goes into your auto insurance cost than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 50% less per month by choosing Buckeye over Grange.

Even so, both carriers will lower prices by the time you turn 25. Grange offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Buckeye still has the cheapest premiums at $114 monthly.

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 lowest rates you can find.

But who has the best prices for retired drivers between Buckeye and Grange? Buckeye gets the edge, with rates for drivers 65 and older $95 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be less expensive for married policyholders than they are for single policyholders. This usually boils down to married drivers having several vehicles on their policy -- something quite a few insurance companies will reward with discounts.

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

Buckeye or Grange: Average Rates by Gender

Did you know women normally pay less for car insurance than men? That's because women are less likely to get into accidents and get tickets, which decreases the chances of filing a claim with insurance.

Normally, men see premiums over 10% per month higher with Buckeye, and around 5% with Grange.

Looking at the data for each carrier specifically, Buckeye comes out as the most affordable option for both genders. On average, male drivers save about $115 a month and women save about $118 with Buckeye compared to the average Grange policyholder.

Buckeye 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 auto insurance can be a complicated subject for most people. There are so many different coverages and limits 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 (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability insurance, Buckeye has the significant edge, with average monthly prices coming in at $73. If you want a full coverage policy with the same state minimum limits, Buckeye again has the edge, with policies averaging around $191 per month to Grange's $313.

Is Buckeye 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Buckeye for their car insurance can usually expect their monthly bill to go up about 7% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

That being said, Buckeye has more affordable premiums for drivers in both categories, offering rates that are 55% and 63% less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

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

At the end of the day, Buckeye offers the cheapest premiums for drivers with an at-fault collision on their records, with average prices coming in at $98 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Buckeye drivers usually see a 69% climb in their auto insurance rates after a DUI charge, while Grange will normally raise premiums by around 43%.

But if you end up with a DUI charge and are looking for more affordable prices, Buckeye tends to be more affordable for the average driver, with monthly premiums coming in at about $263 to Grange's $314.

How does Credit Score Impact Buckeye and Grange Rates?

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

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

Looking specifically at Grange and Buckeye, which company has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a big impact on your monthly prices? Typically, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

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

Buckeye 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 car insurance, but the type of area you live in can have a substantial impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Buckeye tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $107 per month with Buckeye and $220 with Grange. Drivers in suburban ZIP codes pay a monthly price of around $159 with Buckeye compared to $235 with Grange. For drivers in urban ZIP codes, Buckeye's average prices are about $131 a month compared to Grange's $292.

Buckeye vs. Grange Discounts

No matter why you might be in the market for a new 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 car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Buckeye and Grange offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Grange knocks Buckeye out of the park when it comes to the sheer number of discounts available, offering 21 more discounts than Buckeye.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts. Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

Buckeye's discounts come through just a few categories, including Anti-Theft, Defensive Driver, Distant Student, and more.

Final Thoughts: Is Buckeye or Grange Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which insurance carrier is the right fit for you?

Buckeye might be best for you if....

• You have less-than-stellar credit.
• You want the most robust protection via a "full coverage" policy.
• You drive often but have a short commute.

Grange might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Buckeye and Grange and that it aids in making a more informed decision about your auto 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 car insurance -- comparing quotes from a handful of carriers, not just Buckeye and Grange. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Buckeye vs. Grange FAQs

Is Buckeye or Grange cheaper?

Buckeye is the less expensive of the two carriers when looking at national average rates, with policies averaging $132 per month with Buckeye and $249 for Grange. However, that doesn't mean Buckeye will be the most affordable company for everyone, since there are a range of different variables that are considered when it comes to your car insurance bill.

Who is better, Buckeye or Grange?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

Why do Buckeye and Grange offer me different rates?

Insurance companies use a lot of different factors when calculating the prices they charge. Variables like where you live, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Buckeye and Grange calculate rates differently, 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 several different carriers.

How do I know if Buckeye 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 companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Buckeye 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.