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

Quick Facts

• In general, Grange offers more affordable rates than Esurance
• Esurance tends to be a much less expensive option for policyholders who live in rural neighborhoods
• Grange may help you save more money -- they offer more discounts than Esurance

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering pretty big savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Esurance or Grange, but which carrier has cheaper prices for auto insurance?

Looking at the national average rates for both carriers, Esurance has average rates that are around 17% a month more expensive than those from Grange.

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

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

Esurance vs. Grange: Average Car Insurance Rates by State

Esurance and Grange only compete against each other in three states, with Grange offering less expensive premiums to the average driver in all of them. Ohio has the most noticable difference, where Grange rates are $120 cheaper than car insurance premiums at Esurance.

But there's more to calculating auto insurance prices than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 Grange for their auto insurance pay over 25% less than those who use Esurance.

But both carriers will decrease premiums once you turn 25. For example, average prices for Esurance policyholders drop about $500 and Grange's rates lower almost $350 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever find.

When looking at Esurance and Grange specifically, which company is best for retired drivers? Grange gets the edge, with prices for drivers 65 and older $32 more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are normally less expensive for married drivers than they are for single policyholders? This usually boils down to married couples having multiple vehicles on their policy -- something quite a few insurance companies will reward with discounts.

For single drivers, the difference in average prices between these two carriers is significant, with Grange rates coming in at a quarter less than Esurance's. The advantage is also clear for married policyholders - Grange offers the lowest average prices.

Esurance or Grange: Average Rates by Gender

Women generally to pay less for car insurance than men. That's because women are less likely to get speeding tickets and get into accidents, which decreases the chances of filing a claim with insurance.

With Esurance, men usually pay around 7% more per month than women., but with Grange, the difference is closer to 5% a month.

When it comes to the most affordable rates for each gender, Grange comes out as the lowest option for both genders, with average premiums $54 less for men and $45 cheaper for women.

Esurance 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 can be a complicated subject for most people. There are multiple different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- 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, alongside liability).

Looking specifically at state minimum liability limits, Grange has the slight edge, with average monthly rates coming in at $185. If you want a full coverage policy with the same state minimum limits, Grange again has the edge, with policies averaging about $313 per month to Esurance's $396.

Is Esurance or Grange Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Esurance for their auto insurance can normally expect their monthly bill to go up around 16% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of about 23%.

However, Grange is typically the more affordable option for drivers both with clean records and with a ticket, offering premiums that are $62 and $52 less expensive, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Esurance can expect to see around an $122 -- or about 34% -- rise in their auto insurance rates. Drivers who use Grange for their car insurance will see a monthly bill around $86 (or 32%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, Grange offers the most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $266 compared to Esurance's $364.

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 car insurance bill -- usually a lot more than an accident or speeding ticket. Grange drivers usually see a 43% increase in their auto insurance premiums after a DUI charge, while Esurance will generally raise prices by about 20%.

But if you end up with a DUI charge and are looking for more affordable premiums, Esurance tends to be cheaper for the average driver, with monthly premiums coming in at around $301 to Grange's $314.

How does Credit Score Impact Esurance and Grange Rates?

Did you know many insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it does affect many drivers out there.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Grange will generally reward you the most. For policyholders with "excellent" credit scores, Grange comes in nearly NaN cheaper. Drivers with "good" credit scores typically save about 16% with Grange compared to average prices from Esurance.

Which Company is Best for Drivers with Bad Credit?

Grange typically offers lower premiums than Esurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 17% a month less with Grange compared to Esurance, and those with "poor" scores normally save an average of about 19% monthly.

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

How much you drive can have a big impact on your monthly car insurance bill. That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

Grange tends to be the more affordable option for both remote workers and those taking short commutes. Esurance's average rates for drivers with 6,000 annual miles come in more than 15% more expensive than Grange. Those who drive 12,000 miles annually can expect to pay over 15% more with Esurance over Grange.

Esurance or Grange: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a sizable role in how much you pay for insurance. 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.

Grange boasts the most affordable average prices in urban and suburban areas, while Esurance wins in rural areas.

Those in rural areas can expect to save around 4% with Esurance compared to Grange. People who live in suburban areas pay about 18% less with Grange compared to Esurance. For drivers in urban ZIP codes, Grange Insurance's average rates are around 26% less than Esurance.

Esurance 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 insurance discounts as possible.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Esurance and Grange so that you can find the one that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Grange has the advantage when it comes to total number of discounts. Esurance offers a grand total of 24 discounts, while Grange has 28.

Both carriers offer many of the same discounts -- like agency transfer discounts, discounts for being a defensive driver, discounts for being a good driver, and mature driver discounts -- but Grange also offers discounts for advanced safety feature, annual mileage, company car, and more.

On the other hand, Esurance has a few proprietary discounts of their own for things like advance quote discounts, DRL discounts, education discounts, and more.

Final Thoughts: Is Esurance or Grange Best for You?

So, we've broken down the average premiums for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which company is the right carrier for you and your specific driver profile?

Grange might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for the carrier with the most discounts.
• You've started working from home and don't have much of a commute.

Esurance might be best for you if...

• You are considering moving to another state -- Grange Insurance is only available in nine states.
• Your driving record includes a DUI charge.
• You live in a rural neighborhood.

Hopefully, this guide helps you get a good idea of the differences between Esurance and Grange and that it aids in making a more informed 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 several carriers, not just Esurance and Grange. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Esurance vs. Grange FAQs

Is Esurance or Grange cheaper?

Grange is the cheaper of the two carriers when looking at national average prices, with policies averaging $249 per month with Grange and $299 for Esurance. That being said, that doesn't mean Grange will be the lowest company for everyone, since there are several different factors that are considered when it comes to your car insurance payment.

Who is better, Esurance or Grange?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not "better" for every policyholder -- it all boils down to your unique auto insurance profile. For example, Grange is more affordable for drivers with excellent credit, while Esurance offers less expensive rates for drivers with a recent DUI.

Why do Esurance and Grange offer me different rates?

Insurance companies use a lot of different variables when calculating the premiums they charge. Things like where you park your vehicle, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Esurance and Grange use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Esurance 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 multiple 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 quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Esurance 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.