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

Quick Facts

• In general, Cig offers significantly cheaper premiums than Grange
• Cig has more affordable rates for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record
• Grange may help you save more money -- they offer more discounts than CIG Insurance

Cig 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 big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Cig or Grange as potential options, but which company will offer you less expensive prices?

Looking at the national average rates for both carriers, Grange has average rates that are around 50% a month more expensive than those from Cig.

Even so, that doesn't necessarily mean Cig will be the cheaper option for every driver. Insurance companies use a ton of complex algorithms to determine rates, so depending on how old you are or where you live (among a lot of other factors), you could see wildly different premiums from the ones above.

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

Cig vs. Grange: Average Car Insurance Rates by State

Cig and Grange only compete against each other in three states, with Grange offering more affordable premiums to the average driver in all of them. If you live in Washington, Cig is the less expensive of the two carriers when looking at the overall average prices. Grange is the cheaper option in California and Ohio.

But there's more to calculating car insurance rates than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. It's usually because 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Cig save over 55% per month compared to those who use Grange.

However, both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Cig policyholders decrease about $100 and Grange's prices lower around $350 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 cheapest rates you'll ever find.

So, which carrier offers the best premiums to retired drivers? Cig gets the edge, with prices for drivers 65 and older more than 55% 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 more expensive for single policyholders than they are for married drivers? This usually boils down to married couples having multiple vehicles on their policy -- something many car insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Cig prices coming in at about half of Grange's. The advantage is also clear for married policyholders - Cig offers the lowest average rates.

Cig or Grange: Average Rates by Gender

Did you know men tend to pay more for insurance than women? This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see premiums around $4 a month higher with Cig, and about $12 more with Grange.

When it comes to the most affordable rates for each gender, Cig comes out on top for both men and women. On average, male drivers save about $134 per month and women save around $126 with Cig compared to the average Grange policyholder.

Cig 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.

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

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Cig has the significant edge, with average monthly prices coming in at $71. If you want a full coverage policy with the same state minimum limits, Cig again has the edge, with policies averaging about $166 a month to Grange's $313.

Is Cig or Grange Better for Drivers with Spotty Records?

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

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

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

That being said, Cig has less expensive premiums for drivers in both categories, offering rates that are 51% and 52% cheaper, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Cig drivers who get in a collision can expect to see their prices increase by $30, while those who have insurance through Grange will see around a $85 increase.

At the end of the day, drivers who use Cig end up with the cheaper prices after an accident, with average premiums coming in at $118 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 an accident or ticket. On average, Grange will increase your rates about 43% after a DUI, while Cig's average prices rise by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable rates, Cig tends to be more affordable for the average driver, with monthly premiums coming in at around $157 to Grange's $314.

How does Credit Score Impact Cig and Grange Rates?

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

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Cig and Grange, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Cig will typically reward you the most. For drivers with "excellent" credit scores, Cig comes in just under 59.59 less expensive. Drivers with "good" credit scores normally save about 58% with Cig compared to average premiums from Grange.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower prices than Grange when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 53% per month less with Cig compared to Grange, and those with "poor" scores usually save an average of about 50% per month.

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

How much you drive can have a large impact on your monthly auto insurance bill. Generally, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

Cig tends to be the more affordable option for both remote workers and those taking short commutes. Cig's average rates for drivers with 6,000 annual miles come in nearly 55% cheaper than Grange. Those who drive 12,000 miles annually can expect to pay 50% less with Cig over Grange.

Cig 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 considerable impact as well. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

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

Those in rural areas can expect to pay around $106 a month with Cig and $220 with Grange. Drivers in suburban ZIP codes pay a monthly rate of about $123 with Cig compared to $235 with Grange. In urban areas, Cig's average premiums are around $128 while Grange offers prices about $292.

Cig 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 insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Cig and Grange offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Grange comes out ahead with 28 discounts to Cig's 25.

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

On the other hand, Cig has a few proprietary discounts of their own for things like advance quote discounts, good payer discounts, homeowner discounts, and more.

Final Thoughts: Is Cig or Grange Best for You?

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is Cig or Grange the best carrier for you and your specific driver profile?

Cig might be best for you if....

• Your credit is less-than-stellar.
• Your home is located in the suburbs.
• You and your spouse are buying car insurance together.

Grange might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Cig and Grange and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Cig 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 auto insurance carriers in your area, all in just a few minutes.

Cig vs. Grange FAQs

Is Cig or Grange cheaper?

Cig is the less expensive of the two companies when looking at national average premiums, with policies averaging $119 a month with Cig and $249 for Grange. But that doesn't mean Cig will be the cheapest carrier for every driver, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Cig or Grange?

Unfortunately, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Cig and Grange offer me different rates?

Auto insurance carriers use lots of different variables when calculating the prices they charge. Factors like gender, your driving record, where your home is, age, and sometimes even things like your credit score can all come into play. Both Cig and Grange calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the 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, 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 car insurance companies for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Cig 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.