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

Quick Facts

• Based on national averages for insurance, Grange offers significantly less expensive rates than Farm Bureau
• Farm Bureau tends to be a much cheaper option for policyholders whose driving record contains an at-fault collision
• Grange offers more affordable prices for drivers who have below-average credit

Farm Bureau or Grange: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Farm Bureau or Grange as your top options, but between the two, which company has more affordable premiums for car insurance?

Looking at the national average rates for both carriers, Farm Bureau has average rates that are around 25% a month more expensive than those from Grange.

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

Luckily, we've broken down average rates from both Farm Bureau and Grange by a bunch of different rate factors, so read on to find out which company is the best for you.

Farm Bureau vs. Grange: Average Car Insurance Rates by State

Farm Bureau and Grange only compete against each other in Michigan, where Farm Bureau offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their auto insurance.

But there's more to calculating insurance premiums than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's typically because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, 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 Farm Bureau for their insurance pay over 10% less than those who use Grange.

But both carriers will lower prices by the time drivers turn 25. Grange offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Farm Bureau's average rates decrease almost 25% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest car insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

When looking at Farm Bureau and Grange specifically, which carrier is best for retired drivers? Grange gets the edge, with rates for drivers 65 and older $90 more affordable than the national average for Farm Bureau.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married drivers normally cover multiple vehicles, which lots of companies will give you a discount for.

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

Farm Bureau or Grange: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to auto insurance men will usually end up paying a little more.

With Farm Bureau, everyone ends up paying the same monthly prices regardless of gender, and about 5% with Grange.

Looking at the data for each company specifically, Grange comes out as the lowest option for both genders. On average, women save about $100 a month and men save around $88 with Grange compared to the average Farm Bureau policyholder.

Farm Bureau 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, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and terms that it can be hard 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 property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Grange has the edge, with average monthly premiums 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 Farm Bureau's $468.

Is Farm Bureau or Grange Better for Drivers with Spotty Records?

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

It's no secret secret that collisions and speeding tickets lead to higher rates, but which carrier -- Farm Bureau or Grange -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Farm Bureau for their car insurance can typically expect their monthly bill to go up around 32% after getting a speeding ticket. Grange policyholders can expect a less drastic increase of about 23%.

However, Grange is normally the cheaper option for both drivers who have a recent ticket and those with clean records, offering rates that are $22 and $61 less expensive, respectively, compared to Farm Bureau Insurance of Michigan.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Farm Bureau can expect to see around an $31 -- or about 13% -- rise in their car insurance premiums. Drivers who use Grange for their auto insurance will see a monthly bill around $86 (or 32%) more expensive after reporting a collision to their insurance company.

At the end of the day, Farm Bureau offers the cheapest prices for drivers with an at-fault accident on their records, with average rates coming in at $233 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. For example, Farm Bureau increases average premiums by nearly $450 a month -- that's nearly a 70% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Grange tends to be more affordable for the average driver, with monthly premiums coming in at about $314 to Farm Bureau's $641.

How does Credit Score Impact Farm Bureau and Grange Rates?

Did you know many car insurance companies take your credit score into account when determining premiums? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it will come into play for many drivers.

The reasoning auto insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

Looking at Farm Bureau and Grange specifically, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on how much car insurance carriers will charge for coverage. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Grange offers cheaper prices than Farm Bureau. Grange average rates for drivers with 6,000 annual miles come in just under $85 less expensive than Farm Bureau. Those who drive 12,000 miles yearly can expect to pay more than $100 less with Grange over Farm Bureau.

Farm Bureau 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 big impact as well. Usually, 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.

Grange boasts the most affordable average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Grange Insurance's average rates are around 36% less than Farm Bureau Insurance of Michigan. People who live in suburban areas pay about 33% less with Grange compared to Farm Bureau. Those in rural areas can expect to save around 1% with Grange compared to Farm Bureau.

Farm Bureau vs. Grange Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

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

Grange knocks Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 23 more discounts than Farm Bureau.

A couple of those are overlapping for things like anti-theft discounts, group discounts, and multi-policy discounts. Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Farm Bureau has a few proprietary discounts of their own like advance quote discounts and term discounts.

Final Thoughts: Is Farm Bureau or Grange Best for You?

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right one for you and your specific driver profile?

Grange might be best for you if....

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You live in a rural area.

Farm Bureau might be best for you if...

• You want to save money on your car insurance after an accident.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Farm Bureau and Grange and that it aids in making a more informed decision about your auto 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 car insurance -- comparing quotes from multiple companies, not just Farm Bureau and Grange. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Farm Bureau vs. Grange FAQs

Is Farm Bureau or Grange cheaper?

Grange is the cheaper of the two companies when looking at national average prices, with policies averaging $249 per month with Grange and $343 for Farm Bureau. That being said, that doesn't mean Grange will be the lowest company for everyone, since there are a variety of different factors that are considered when it comes to your insurance cost.

Who is better, Farm Bureau or Grange?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Grange is more affordable for drivers who have less-than-stellar credit scores, while Farm Bureau offers less expensive rates for policyholders with an at-fault collision on their record.

Why do Farm Bureau and Grange offer me different rates?

Auto insurance carriers use several different variables when calculating the premiums they charge. Factors such as your driving record, age, where your home is, gender, and sometimes even things like your credit score can all be used. Both Farm Bureau and Grange calculate rates using 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 many different companies.

How do I know if Farm Bureau 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies 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 Farm Bureau 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.