Colorado Farm Bureau vs. Grange: Which Company is the Best Fit for You?

Quick Facts

• In general, Colorado Farm Bureau offers significantly less expensive rates than Grange
• Colorado Farm Bureau offers cheaper average prices for residents of rural areas
• Grange offers more discounts than Colorado Farm Bureau Insurance

Colorado Farm Bureau 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 big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Colorado Farm Bureau or Grange as your top options, but which one will save you the most?

Looking at the national average rates for both companies, Grange has average rates that are about 45% per month more expensive than those from Colorado Farm Bureau.

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

So, if you want to find out which of Colorado Farm Bureau 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.

Colorado Farm Bureau or Grange: Average Car Insurance Rates by State

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But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group out there on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. For example, 18-year-old drivers pay an average of nearly $350 less a month by choosing Colorado Farm Bureau over Grange.

However, both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Colorado Farm Bureau policyholders reduce almost $90 and Grange's premiums drop 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 lowest rates you'll ever find.

When looking at Colorado Farm Bureau and Grange specifically, which carrier is best for retired drivers? Colorado Farm Bureau gets the edge, with prices for drivers 65 and older nearly 45% less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be cheaper for married policyholders than they are for single drivers. That's because policies for married drivers normally cover multiple cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Colorado Farm Bureau is the clear winner for single policyholders, with premiums about $141 per month more affordable than Grange, on average. The advantage is also clear for married couples - Colorado Farm Bureau offers the most affordable average prices.

Colorado Farm Bureau vs. Grange: Average Rates by Gender

You may not know, but auto insurance is generally more expensive for men than for women. This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher rates.

Usually, women see premiums around $2 a month cheaper with Colorado Farm Bureau, while with Grange, the difference is closer to $12 per month.

Looking at the data for each company specifically, Colorado Farm Bureau comes out on top for both men and women, with average prices 48% less for men and 46% cheaper for women.

Colorado Farm Bureau 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.

Car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

That being said, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Colorado Farm Bureau usually offers significantly more affordable rates of $71 compared to Grange's $185. When it comes to full coverage policies with similar limits, Colorado Farm Bureau again has the edge, with policies about $100 a month less expensive than Grange, on average.

Is Colorado Farm Bureau or Grange Better for Drivers with Spotty Records?

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

Accidents and tickets will most likely raise your premiums, but is Colorado Farm Bureau or Grange cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Colorado Farm Bureau policyholders can expect their rates to go up an average of $22 per month if they get a ticket, while Grange normally raises premiums around $55 a month, on average.

But Colorado Farm Bureau tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save about $68 per month and drivers with a ticket can save around $101 a month with Colorado Farm Bureau Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Colorado Farm Bureau can expect to see about an $25 -- or around 18% -- increase in their insurance prices. Drivers who use Grange for their car insurance will see a monthly bill about $86 (or 32%) more expensive after reporting a collision to their auto insurance carrier.

Overall, the less expensive rates come from Colorado Farm Bureau, with monthly prices averaging $137 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 -- usually a lot more than an accident or speeding ticket. On average, Grange will climb your premiums around 43% after a DUI, while Colorado Farm Bureau's average rates climb by over 20%.

If you have a DUI on your record and are looking for more affordable prices, Colorado Farm Bureau tends to be the much more affordable option with average premiums of $144 per month compared to $314 from Grange.

How does Credit Score Impact Colorado Farm Bureau and Grange Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of drivers.

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

So, which company offers the cheapest prices for drivers 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 Colorado Farm Bureau 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 large impact on your monthly premiums? That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Colorado Farm Bureau charges. However, there's a small difference in monthly rates for Grange, with policyholders who drive the least paying about $2 less each month compared to those who drive 12,000 miles yearly. Still, Colorado Farm Bureau is the cheaper option for drivers in both categories.

Colorado Farm Bureau vs. Grange: Compare Rates for Urban, Suburban, and Rural Drivers

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

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

For policyholders in urban ZIP codes, Colorado Farm Bureau offers premiums around $155 a month compared to Grange's $292. People who live in suburban ZIP codes can expect to pay about $156 per month for Colorado Farm Bureau and $235 for Grange. Lastly, those in rural areas tend to get the lowest prices from both companies, with average monthly rates coming in at $85 and $220 for Colorado Farm Bureau and Grange respectively.

Colorado Farm Bureau vs. Grange Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard 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 table below, we've compared all of the different discounts offered by Colorado Farm Bureau and Grange 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 Colorado Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 24 more discounts than Colorado Farm Bureau.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts -- but Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Colorado Farm Bureau does not.

Colorado Farm Bureau's discounts come through just a few categories, including Defensive Driver, Driver Training, Good Student, and more.

Final Thoughts: Is Colorado Farm Bureau or Grange Best for You?

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

Colorado Farm Bureau might be best for you if....

• You have a speeding ticket on your driving record.
• You live in an suburban area.
• You drive fewer than 12,000 miles every year.

Grange might be best for you if...

• You're looking for discounts -- Grange has the most.

We hope this guide helps you get a better idea of the difference between Colorado Farm Bureau and Grange and that you can now make a more informed decision when it comes to your car 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 insurance -- comparing quotes from several carriers, not just Colorado Farm Bureau 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 auto insurance companies in your area, all for free.

Colorado Farm Bureau vs. Grange FAQs

Is Colorado Farm Bureau or Grange cheaper?

Looking just at the national average premiums, Colorado Farm Bureau is the less expensive of the two carriers, offering average rates of $132 a month compared to $249 for Grange. Even so, Colorado Farm Bureau won't necessarily be the cheapest company for each policyholder, since there are multiple different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Colorado Farm Bureau or Grange?

Sadly, the real answer is "it depends.". No single carrier is "better" for every driver -- it all depends on the makeup of your unique car insurance profile.

Why do Colorado Farm Bureau and Grange offer me different rates?

Insurance companies take a look at many different factors when calculating the rates they charge drivers. Things such as age, gender, your driving record, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Colorado Farm Bureau and Grange use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Colorado Farm Bureau or Grange is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple 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 information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Colorado Farm Bureau 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.