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

Quick Facts

• Based on national averages for car insurance, California Casualty offers less expensive prices than Grange
• California Casualty offers cheaper average rates for drivers who have less-than-stellar credit
• Grange offers more discounts than California Casualty

California Casualty vs. Grange: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to California Casualty or Grange, but between the two, which one will save you the most?

Looking at nationwide averages, Grange is about $48 more per month than California Casualty.

But that doesn't mean California Casualty will necessarily be more affordable than Grange for each driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so prices could differ drastically from person to person.

Luckily, we've broken down average premiums from both California Casualty and Grange by many different rate factors, so read on to find out which carrier is the best for you.

California Casualty or Grange: Average Car Insurance Rates by State

California Casualty and Grange only compete against each other in three states, with Grange offering less expensive rates to the average driver in all of them. Delaware has the most noticable difference, where California Casualty premiums are over 10% cheaper than car insurance prices at Grange.

There are plenty of other factors that go into your auto insurance cost than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use California Casualty save more than $100 a month compared to those who use Grange.

Even so, with both carriers, you'll see your rates reduce significantly by the time drivers turn 25. Grange offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, California Casualty still has the lowest premiums at $181 per month.

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 prices you'll ever find.

But who has the best rates for retired drivers between California Casualty and Grange? California Casualty gets the edge, with prices for drivers 65 and older over 25% more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for single drivers than they are for married couples. That's normally because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, California Casualty is the clear winner for those who are single, with premiums around $59 per month less expensive than Grange, on average. The advantage is also clear for married drivers - California Casualty offers the cheapest average prices.

California Casualty vs. Grange: Average Rates by Gender

Did you know women typically pay less for car insurance than men? This is because men are statistically more likely than women to get tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

With California Casualty, women generally pay nearly 10% a month less than men, and about 5% less with Grange when compared to their male counterparts.

When it comes to the most affordable premiums for each gender, California Casualty offers the cheapest average prices for both men and women. On average, women save about $50 per month and men save around $46 with California Casualty compared to the average Grange policyholder.

California Casualty or 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.

Insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, California Casualty usually offers significantly more affordable premiums of $122 compared to Grange's $185. When it comes to full coverage policies with similar limits, California Casualty again has the edge, with policies about $30 a month cheaper than Grange, on average.

Is California Casualty or Grange Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that accidents and tickets lead to higher rates, but which company -- California Casualty or Grange -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

California Casualty policyholders can expect their rates to go up an average of $33 per month if they get a ticket, while Grange typically raises premiums around $55 a month, on average.

That being said, California Casualty is generally the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 24% cheaper for drivers with clean records and 28% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through California Casualty can expect to see about an $61 -- or around 31% -- increase in their insurance rates. Drivers who use Grange for their auto insurance will see a monthly bill about $86 (or 32%) more expensive after reporting a collision to their car insurance carrier.

Overall, California Casualty offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $198 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 ticket when it comes to your auto insurance bill. For example, California Casualty increases average premiums by over $150 per month -- that's just under a 55% increase.

If you have a DUI on your record and are looking for more affordable rates, California Casualty tends to be the much cheaper option with average prices of $300 a month compared to $314 from Grange.

How does Credit Score Impact California Casualty and Grange Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? This isn't always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect several drivers out there.

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

Looking specifically at California Casualty and Grange, which carrier has the cheapest prices 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 California Casualty 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 considerable impact on your monthly auto insurance payment? Normally, the more miles you put on your car, the more you can expect to pay for insurance.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, California Casualty tends to be the more affordable option. Grange's average rates for drivers with 6,000 annual miles come in around 24% more expensive than California Casualty. Those who drive 12,000 miles annually can expect to pay about 14% more with Grange over California Casualty.

California Casualty vs. Grange: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a big impact on your monthly car insurance bill. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, California Casualty normally comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but California Casualty comes out on top with average premiums around $164 monthly. California Casualty also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a 25% and 6% a month respective difference when compared to Grange drivers in similar areas.

California Casualty vs. Grange Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the section below, we've compared all of the different discounts offered by California Casualty and Grange so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Grange blows California Casualty away when it comes to the sheer amount of discounts available, offering 14 more discounts than California Casualty.

Both companies offer several of the same discounts -- like discounts for getting driver training, discounts for being a good student, group discounts, and multi-policy discounts -- but Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that California Casualty does not.

On the flip side, California Casualty has a couple unique discounts of its own -- education discounts, full coverage discounts, and paperless discounts.

Final Thoughts: Is California Casualty or Grange Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance company is the right company for you and your specific driver profile?

California Casualty might be best for you if....

• You want to save money on your car insurance after an accident.
• Your home is located in the suburbs.
• You are over 65 years old and want to save some money on your auto insurance.

Grange might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between California Casualty and Grange and that it aids in making a more informed decision about your 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 auto insurance -- comparing quotes from several companies, not just California Casualty and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

California Casualty vs. Grange FAQs

Is California Casualty or Grange cheaper?

Looking just at the national average rates, California Casualty is the more affordable of the two companies, offering average rates of $201 per month compared to $249 for Grange. But California Casualty won't necessarily be the cheapest carrier for each policyholder, since there are multiple different factors that are considered when it comes to your insurance cost.

Who is better, California Casualty or Grange?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do California Casualty and Grange offer me different rates?

Auto insurance carriers take a look at many different variables when determining the premiums they charge policyholders. Factors such as where you call home, age, gender, where you live, and sometimes even things like your credit score can all be used. Both California Casualty and Grange calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if California Casualty 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 multiple carriers 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be California Casualty or Grange at all!

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.