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

Quick Facts

• Based on national averages for car insurance, Grange offers more affordable premiums than Donegal Mutual
• Donegal Mutual offers less expensive average rates for policyholders who live in rural neighborhoods
• Grange offers more affordable premiums for policyholders who are looking to purchase insurance with a spouse

Donegal Mutual or Grange: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to 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've maybe even narrowed your search down to Donegal Mutual or Grange, but which one will save you the most?

Looking at the national average rates for both carriers, Donegal Mutual is around $41 more a month than Grange.

However, that doesn't necessarily mean Grange will be the cheaper option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things), so prices could change drastically from person to person.

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

Donegal Mutual vs. Grange: Average Car Insurance Rates by State

Donegal Mutual and Grange only compete against each other in one states, with Donegal Mutual offering less expensive prices to the average driver in all of them. Delaware has the most noticable difference, where Donegal Mutual premiums are $29 cheaper than auto insurance rates at Grange.

There are plenty of other factors that go into your car insurance cost 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?

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

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Grange save over 15% per month compared to those who use Donegal Mutual.

But both carriers will decrease premiums by the time drivers turn 25. For example, average rates for Donegal Mutual policyholders drop about $400 and Grange's prices reduce almost $350 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest auto insurance premiums you can find. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise rates.

When looking at Donegal Mutual and Grange specifically, which company is best for retired drivers? Grange gets the slight edge here, with average prices coming in at around $200 per month compared to Donegal Mutual's $212.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more affordable for married policyholders than they are for those who are single. That's because policies for married couples typically cover multiple vehicles, which quite a few companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Grange premiums coming in at about 15% less than Donegal Mutual's. The advantage for married drivers with Grange is also obvious, where drivers save more than 10% a month.

Donegal Mutual or Grange: Average Rates by Gender

Did you know men tend to pay more for insurance than women? That's because women are less likely to get tickets and get into collisions, which lowers the chances of filing a claim with insurance.

Normally, women see rates around 6% per month less with Donegal Mutual, and about 5% less with Grange when compared to their male counterparts.

Looking at overall affordability, Grange comes out on top for both men and women. On average, male drivers save about $44 a month and women save around $38 with Grange compared to the average Donegal Mutual policyholder.

Donegal Mutual 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.

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

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

When it comes to state minimum limits for liability insurance, Donegal Mutual 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 $15 with Donegal Mutual Insurance Company, while full coverage comes out to be about $95 less expensive with Grange Insurance.

Is Donegal Mutual 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Donegal Mutual for their insurance can normally expect their monthly bill to go up around 19% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of about 23%.

But Grange has more affordable rates for drivers in both categories, offering prices that are 9% and 4% cheaper, respectively, compared to Donegal Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with Grange climbing by around 32%. Donegal Mutual has a less extreme climb, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, Donegal Mutual offers the most affordable premiums for drivers with an at-fault collision on their records, with average prices coming in at $245 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 accident or ticket when it comes to your auto insurance bill. On average, Donegal Mutual will increase your premiums about 58% after a DUI, while Grange's average rates rise by just under 45%.

But if you end up with a DUI charge and are looking for more affordable prices, Grange tends to be less expensive for the average driver, with monthly premiums coming in at around $314 to Donegal Mutual's $472.

How does Credit Score Impact Donegal Mutual and Grange Rates?

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

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

So, which carrier offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Donegal Mutual 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 big impact on your monthly prices? That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Grange tends to be the more affordable option. Grange's average premiums for drivers with 6,000 annual miles come in nearly 10% cheaper than Donegal Mutual. Those who drive 12,000 miles every year can expect to pay just under 20% less with Grange over Donegal Mutual.

Donegal Mutual 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. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

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

Those in rural areas can expect to save about 16% with Donegal Mutual compared to Grange. People who live in suburban areas pay around 2% less with Grange compared to Donegal Mutual. For drivers in urban ZIP codes, Grange Insurance's average prices are about 34% less than Donegal Mutual Insurance Company.

Donegal Mutual 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 auto insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Donegal Mutual and Grange so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Grange knocks Donegal Mutual out of the park when it comes to the sheer number of discounts available, offering eight more discounts than Donegal Mutual.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and hybrid vehicle discounts. Grange also offers discounts for advanced safety feature, agency transfer, annual mileage, and more.

On the other hand, Donegal Mutual has a few proprietary discounts of their own for things like advance quote discounts, family discounts, marital status discounts, and more.

Final Thoughts: Is Donegal Mutual or Grange Best for You?

You've seen the role certain factors have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance company is the right company for you, your vehicle, and your wallet?

Grange might be best for you if....

• Your driving record includes a DUI charge.
• Your credit score is high.
• You've started working from home and don't have much of a commute.

Donegal Mutual might be best for you if...

• Your driving record contains an at-fault collision.
• You're looking for the best rates on liability only coverage.
• You live in a rural neighborhood.

Hopefully, this guide has ben a valuable resource as you compare Donegal Mutual and Grange. We also hope we've given you the information you need to make the best decision about 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 a handful of companies, not just Donegal Mutual 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 car insurance carriers in your area, all in just a few minutes.

Donegal Mutual vs. Grange FAQs

Is Donegal Mutual or Grange cheaper?

Grange is the less expensive of the two companies when looking at national average prices, with policies averaging $249 per month with Grange and $290 for Donegal Mutual. That being said, that doesn't mean Grange will be the cheapest carrier for each policyholder, since there are a bunch of different variables that are considered when it comes to your auto insurance bill.

Who is better, Donegal Mutual or Grange?

Unfortunately, the answer truly is "it depends.". No one company is "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Grange is more affordable for drivers who have less-than-stellar credit scores, while Donegal Mutual offers cheaper premiums for policyholders with an at-fault accident on their record.

Why do Donegal Mutual and Grange offer me different rates?

Auto insurance carriers use several different factors when calculating the rates they charge. Variables like gender, where your home is, age, your driving record, and sometimes even things like your credit score can all be used. Both Donegal Mutual and Grange use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Donegal Mutual 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 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 quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Donegal Mutual 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.