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

Quick Facts

• Based on national averages for insurance, Grange offers slightly less expensive rates than Dairyland
• Dairyland tends to be a much more affordable option for policyholders who live in rural neighborhoods
• Grange has cheaper premiums for policyholders who have a short commute

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might be considering Dairyland or Grange as potential options, but which one has less expensive prices for car insurance?

Looking at nationwide averages, Dairyland is around $7 more a month than Grange.

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

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

Dairyland vs. Grange: Average Car Insurance Rates by State

Dairyland and Grange only compete against each other in two states, with Grange offering cheaper prices to the average driver in all of them. If you live in Idaho, Dairyland is the less expensive of the two companies when looking at the overall average premiums. Grange is the more affordable option in Delaware.

That being said, there's a lot more that goes into your auto insurance payment 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 -- normally pay a lot for insurance compared to older drivers. Generally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Dairyland save over 5% per month compared to those who use Grange.

That being said, both carriers will lower premiums 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. Dairyland's average rates drop more than 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest car insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best prices for retired drivers between Dairyland and Grange? In this case, Grange has the slight edge, with premiums about $3 a month less than Dairyland. Even so, the difference is only around 5%, so other factors will likely come into play when determining which carrier has the cheapest prices for you.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be cheaper for married drivers than they are for single policyholders. That's because policies for married policyholders usually cover more than one vehicle, which quite a few companies will give you a discount for.

If you're in the market for car insurance, Grange tends to have the most affordable average rates regardless of if you're married or single, with prices about $5 less expensive for those who are single and around $10 more affordable for married couples.

Dairyland or Grange: Average Rates by Gender

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

With Dairyland, men typically pay about 4% more per month than women., and around 5% with Grange.

Looking at the data for each company specifically, Grange comes out as the lowest option for both genders. On average, male drivers save about $6 a month and women save about $8 with Grange compared to the average Dairyland policyholder.

Dairyland 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.

For most people, auto insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

When it comes to state minimum limits for liability insurance, Dairyland has the edge, while Grange offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $45 with Dairyland, while full coverage comes out to be around $55 cheaper with Grange Insurance.

Is Dairyland or Grange Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and collisions will most likely raise your rates, but is Dairyland or Grange less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Dairyland for their insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

However, Grange has cheaper prices for drivers in both categories -- their rates are around 20% more affordable for drivers with clean records and 11% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Dairyland policyholders who get in a collision can expect to see their premiums climb by over $70, while those who have insurance through Grange will see about a $85 increase.

At the end of the day, Grange offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $266 compared to Dairyland's $297.

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. On average, Grange will raise your premiums around 43% after a DUI, while Dairyland's average rates rise by 5%.

But if you end up with a DUI charge and are looking for more affordable prices, Dairyland tends to be more affordable for the average driver, with monthly premiums coming in at about $236 to Grange's $314.

How does Credit Score Impact Dairyland and Grange Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (California, for example, has banned the use of credit score as a car insurance factor) but it will come into play for many drivers.

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

So, which carrier offers the lowest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Grange will generally reward you the most. For drivers with "excellent" credit scores, Grange comes in nearly 12.67 cheaper. Drivers with "good" credit scores normally save around 9% with Grange compared to average prices from Dairyland.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay about 3% less with Grange than Dairyland, but those whose credit is considered "poor" have it flipped -- saving around 13% per month with Dairyland.

Is Dairyland 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 substantial impact on how much insurance carriers will charge for coverage? Generally, the more milage you put on your vehicle, the more you can expect to pay for coverage.

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

Dairyland 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 auto insurance, but the type of area you live in can have a considerable impact as well. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads where they live.

Looking at these companies side-by-side, Grange tends to offer the most affordable option for drivers in urban and suburban areas, while Dairyland wins in rural areas.

For policyholders in urban ZIP codes, Grange Insurance's average rates are around 7% less than Dairyland. People who live in suburban areas pay about 6% less with Grange compared to Dairyland. Those in rural areas can expect to save around 8% with Dairyland compared to Grange.

Dairyland vs. Grange Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many 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 compared all of the different discounts offered by Dairyland and Grange so that you can see which carrier can save you the most money each month.

Grange knocks Dairyland out of the park when it comes to the sheer number of discounts available, offering 17 more discounts than Dairyland.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and passive restraint discounts. Grange also offers discounts for ABS, advanced safety feature, annual mileage, and more.

On the other hand, Dairyland has a few proprietary discounts of their own for things like advance quote discounts, homeowner discounts, and prior insurance discounts.

Final Thoughts: Is Dairyland or Grange Best for You?

So, we've broken down the average prices for many of the variables car insurance carriers 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 best fit for you?

Grange might be best for you if....

• You have a speeding ticket on your driving record.
• You already have a great credit score.
• You drive fewer than 12,000 miles annually.

Dairyland might be best for you if...

• You're looking for the best premiums on liability only coverage.
• You live in a rural neighborhood.
• You want to save money while purchasing auto insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare Dairyland and Grange. We also hope we've given you the information you need to make the best 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 multiple companies, not just Dairyland and Grange. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Dairyland vs. Grange FAQs

Is Dairyland or Grange cheaper?

Grange is the more affordable of the two companies when looking at national average rates, with policies averaging $249 a month with Grange and $256 for Dairyland. That being said, that doesn't mean Grange will be the lowest company for every driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Dairyland or Grange?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Dairyland is cheaper for drivers who have less-than-stellar credit scores, while Grange offers more affordable premiums for drivers with an at-fault accident on their record.

Why do Dairyland and Grange offer me different rates?

Auto insurance carriers use a lot of different variables when calculating the rates they charge. Things like age, your driving record, where you park your vehicle, gender, and sometimes even things like your credit score can all be used. Both Dairyland and Grange calculate prices using different factors, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different companies.

How do I know if Dairyland 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 carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make 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 companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Dairyland 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.