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

Quick Facts

• Looking at the national averages for insurance, Erie offers significantly less expensive rates than Grange
• Erie tends to be a much more affordable option for drivers who have an at-fault accident on their record
• Grange offers more discounts than Erie Insurance

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

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

You've maybe even narrowed it down to Erie or Grange, but which carrier has cheaper prices for auto insurance?

Looking at the national average rates for both companies, Erie has average rates that are about 40% per month less expensive than those from Grange.

Even so, that doesn't necessarily mean Erie will be the more affordable option for every driver. Insurance carriers vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and all sorts of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Erie or Grange: Average Car Insurance Rates by State

Erie and Grange only compete against each other in one states, with Erie offering cheaper rates to the average driver in all of them. Ohio has the most noticable difference, where Erie premiums are more affordable than car insurance prices at Grange.

That being said, there's a lot more that goes into your insurance bill than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Erie for their car insurance pay nearly $250 less than those who use Grange.

But both companies will offer you dramatically lower premiums by the time drivers turn 25. Grange offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Erie still has the lowest prices at $142 per month.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Erie gets the edge, with premiums for drivers 65 and older more than 40% 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 couples than they are for single policyholders. That's because policies for married policyholders usually cover multiple cars, which several carriers will offer you a discount for.

When it comes to relationship status, Erie is the clear winner for those who are single, with prices around $115 a month more affordable than Grange, on average. For married drivers, the advantage is clear again - Erie has the edge when it comes to average premiums.

Erie vs. Grange: Average Rates by Gender

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

Usually, men see prices over $10 per month higher with Erie, and about $10 with Grange.

When it comes to the most affordable premiums for each gender, Erie comes out on top for both men and women, with average rates $97 less for men and $96 cheaper for women.

Erie 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.

It's no secret that car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Erie normally offers significantly cheaper prices of $91 compared to Grange's $185. When it comes to full coverage policies with similar limits, Erie again has the edge, with policies around $100 a month less expensive than Grange, on average.

Is Erie or Grange Better for Drivers with Spotty Records?

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

Tickets and accidents will most likely raise your premiums, but is Erie or Grange cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Erie policyholders can expect their rates to go up an average of $18 per month if they get a ticket, while Grange typically raises prices about $55 a month, on average.

Even so, Erie 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 around $61 per month and drivers with a ticket can save about $98 a month with Erie Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Grange climbing by over $85. Erie has a less extreme rise, but you can still expect to pay just under $40 more than you were prior to your first accident.

Overall, Erie offers the lowest rates for drivers with an at-fault collision on their records, with monthly prices averaging $157 compared to Grange Insurance's $266.

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 speeding ticket or even an accident. On average, Grange will increase your premiums around 43% after a DUI, while Erie's average rates climb by just under 40%.

If you have a DUI on your record and are looking for more affordable premiums, Erie tends to be the much less expensive option with average prices of $198 monthly compared to $314 from Grange.

How does Credit Score Impact Erie and Grange Rates?

Did you know that many car insurance carriers take your credit score into account when calculating rates? This isn't always the case (for example, are two states that ban the practice entirely), but it might come into play for lots of drivers.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable premiums.

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 Erie 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 sizable impact on your monthly prices? Generally, the more miles you put on your vehicle, the more you can expect to pay for auto insurance.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Erie tends to be the cheaper option. Grange's average rates for drivers with 6,000 annual miles come in over 40% more expensive than Erie. Those who drive 12,000 miles yearly can expect to pay more than 35% more with Grange over Erie.

Erie vs. 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 pretty big impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the roads in those areas.

Erie tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Erie offers premiums about $194 a month compared to Grange's $292. People who live in suburban ZIP codes can expect to pay around $145 per month for Erie and $235 for Grange. Lastly, those in rural areas tend to get the cheapest prices from both carriers, with average monthly premiums coming in at $115 and $220 for Erie and Grange respectively.

Erie 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, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging 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.

In the section below, we've broken down all of the different discounts offered by both Erie and Grange so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Grange knocks Erie out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Erie's 28.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, distant student discounts, and mature driver discounts. Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that Erie does not.

On the flip side, Erie has a couple unique discounts of its own -- advance quote discounts, DRL discounts, farm discounts, and more.

Final Thoughts: Is Erie or Grange Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Erie or Grange the best company for you, your vehicle, and your wallet?

Erie might be best for you if....

• You have an at-fault accident on your record.
• You want basic auto insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Grange might be best for you if...

• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Erie and Grange. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Erie and Grange. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Erie vs. Grange FAQs

Is Erie or Grange cheaper?

Looking just at the national average prices, Erie is the more affordable of the two carriers, offering average rates of $153 a month compared to $249 for Grange. That being said, Erie won't necessarily be the lowest company for every policyholder, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Erie or Grange?

Sadly, the answer truly is "it depends.". One carrier is not "better" for each driver -- it all comes down to what your unique insurance profile looks like.

Why do Erie and Grange offer me different rates?

Car insurance companies take a look at a lot of different variables when determining the rates they charge policyholders. Things like your driving record, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be used. Both Erie and Grange use different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of companies 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 information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Erie 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.