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

You've probably seen ads offering big savings on auto insurance, but are Cse or Grange right for you? Which company offers the lowest premiums, or the most discounts? Read on to see how Cse and Grange compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • Based on national averages for car insurance, Cse offers significantly more affordable prices than Grange
  • Cse offers more affordable rates for people who are single and purchasing auto insurance by yourself
  • Grange offers cheaper average premiums for drivers who have less-than-stellar credit

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might be considering Cse or Grange as your top options, but between the two, which one will offer you less expensive prices?

Cse Grange

Looking at nationwide averages, Grange has average rates that are about 30% per month more expensive than those from Cse.

That being said, that doesn't necessarily mean Cse will be the cheaper option for every single driver. Car insurance companies vary their rates depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

Wanting to know if Cse or Grange is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Cse or Grange: Average Car Insurance Rates by State

State Cse Grange

Cse and Grange only compete against each other in California, where Grange offers the cheaper average rates. For California residents, Grange offers insurance for $137 monthly on average. Cse's average premiums come out to be over 20% more expensive, at $175 a month.

There's a lot more that goes into your car insurance bill than just where you live. Continue reading to see how other factors will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Cse Grange
18-year-old drivers$354$551
25-year-old drivers$173$205

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. 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.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Cse for their insurance pay nearly $200 less than those who use Grange.

Even so, both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Cse policyholders decrease almost $200 and Grange's premiums drop around $350 over that time.

Which is the Best Company for Retired Drivers?

Cse Grange
65+-year-old drivers$128$200

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever see.

So, which company offers the best rates to retired drivers? Cse gets the edge here, with average prices coming in at about $128 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

Cse Grange

Did you know that insurance premiums are usually more expensive for single policyholders than they are for married policyholders? That's because policies for married couples generally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Cse is the clear winner for single drivers, with prices around $87 a month more affordable than Grange, on average. The advantage for married drivers with Cse is also obvious, where drivers save more than $55 per month.

Cse vs. Grange: Average Rates by Gender

Cse Grange

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll typically end up paying more for auto insurance than women.

Women and men end up paying same monthly rates with Cse, and about $10 with Grange.

When it comes to the cheapest premiums for each gender, Cse comes out as the most affordable option for both genders, with average prices 31% less for men and 28% cheaper for women.

Find your best rate in just a few minutes

Cse or Grange: Compare State Minimum vs. Full Coverage Rates

Cse Grange
State Minimum*$81$185
Full Coverage**$270$313

*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 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.

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

If you're looking for state minimum limits for liability insurance, Cse usually offers significantly less expensive rates of $81 compared to Grange's $185. When it comes to full coverage policies with similar limits, Cse again has the edge, with policies around $45 a month cheaper than Grange, on average.

Is Cse 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.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cse Grange
Clean Record$123$180
1 Speeding Ticket$161$235

Cse policyholders can expect their rates to go up an average of $38 per month if they get a ticket, while Grange generally raises prices about $55 a month, on average.

However, Cse has less expensive premiums for drivers in both categories, offering rates that are $57 and $74 more affordable, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Cse Grange
Clean Record$123$180
1 At-Fault Accident$176$266

Cse drivers who get in an accident can expect to see their prices climb by over 30%, while those who have insurance through Grange will see around a 30% increase.

Overall, Cse offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $176 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Cse Grange
Clean Record$123$180
1 DUI$241$314

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. On average, Grange will raise your premiums about 43% after a DUI, while Cse's average rates increase by just under 50%.

If you have a DUI on your record and are looking for more affordable prices, Cse tends to be the much less expensive option with average rates of $241 monthly compared to $314 from Grange.

Find your best rate in just a few minutes

How does Credit Score Impact Cse and Grange Rates?

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

So, which carrier offers the lowest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Cse Grange
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

You'll often be rewarded if you have stellar credit. With Grange Insurance, improving your score from "good" to "excellent" will normally save you around $30. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Cse Grange
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

If you have bad credit, it can cost you with Grange Insurance. For drivers with less-than-stellar credit, at Grange Insurance, you may pay about $90 per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Because undefined doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Grange Insurance.

Find your best rate in just a few minutes

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

Cse Grange
6,000 Annual Miles$161$248
12,000 Annual Miles$189$250

How much you drive can have a considerable impact on your monthly auto insurance cost. Typically, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Cse offers more affordable prices than Grange. Cse's average rates for drivers with 6,000 annual miles come in over 35% less expensive than Grange. Those who drive 12,000 miles yearly can expect to pay nearly 25% less with Cse over Grange.

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

Where you call home can play a substantial role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas because of the number of cars that are on the roads in those areas.

Cse Grange
Urban Areas$186$292
Suburban Areas$178$235
Rural Areas$161$220

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

Drivers in rural ZIP codes see the cheapest prices from both companies, but Cse comes out on top with average premiums around $161 per month. Cse also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a $106 and $57 a month respective difference when compared to Grange drivers in similar areas.

Cse vs. Grange Discounts

Regardless of why you might be in the market for a new 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 where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

In the section below, we've compared all of the different discounts offered by Cse 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.

Cse Grange
ABS Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
Employee Discount
Good Driving Discount
Good Student Discount 
Goverment Employee Discount 
Group Discount 
Hybrid Vehicle Discount 
Legacy Discount 
Life Policy Discount 
Mature Driver Discount

Grange blows Cse away when it comes to the sheer amount of discounts available, offering 23 more discounts than Cse.

A couple of those are overlapping for things like employee discounts, mature driver discounts, and multi-policy discounts. Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Cse does not.

On the flip side, Cse has a unique discount of its own -- a goverment employee discounts.

Find your best rate in just a few minutes

Final Thoughts: Is Cse or Grange Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the best company for you and your specific profile and needs?

Cse might be best for you if....

  • You have an at-fault accident on your record.
  • Your home is located in the suburbs.
  • You're buying insurance for a teen and looking for a wallet-friendly option.

Grange might be best for you if...

  • Your credit is less-than-stellar.
  • You have above-average credit.
  • You care about discounts (Grange offers the most).

We hope this guide helps you get a better idea of the difference between Cse and Grange and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Cse and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Cse vs. Grange FAQs

Is Cse or Grange cheaper?

Looking just at the national average rates, Cse is the more affordable of the two carriers, offering average rates of $175 per month compared to $249 for Grange. But Cse won't necessarily be the lowest carrier for everyone, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cse or Grange?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique car insurance profile. For example, Cse offers cheaper prices for policyholders with an at-fault collision on their record, while Grange is less expensive for drivers who have less-than-stellar credit scores.

Why do Cse and Grange offer me different rates?

Insurance companies take a look at many different variables when determining the rates they charge drivers. Things such as where you park your vehicle, gender, age, where your home is, and sometimes even things like your credit score can all be used. Both Cse and Grange calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Cse 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 do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Cse or Grange at all!


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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes