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

Quick Facts

• In general, Farmers offers cheaper rates than Grange
• Farmers offers more affordable premiums for policyholders who have a clean record
• Grange has less expensive prices in CA, CO, DE, ID, KY, MA, MI, OH, and WA

Farmers or 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 large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Farmers or Grange as your top options, but which one will offer you more affordable premiums?

Looking at the national average rates for both carriers, Farmers has average rates that are around 18% a month less expensive than those from Grange.

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

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

Farmers vs. Grange: Average Car Insurance Rates by State

Farmers and Grange compete against each other in six states, with Grange offering more affordable premiums to the average driver in all of them. If you live in Michigan or Washington, Farmers is the less expensive of the two carriers when looking at the overall average rates. Grange is the cheaper option in California, Colorado, Idaho, and Ohio.

That being said, there are plenty of other factors that go into your car insurance cost than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. Usually, 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 premiums, teen drivers can still find ways to save money. As you can see above, teens who use Farmers save almost 3% per month compared to those who use Grange.

However, both companies will drop rates 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, Farmers still has the most affordable prices at $155 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest auto 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 insurance.

But who has the best premiums for retired drivers between Farmers and Grange? Farmers gets the edge, with prices for drivers 65 and older $57 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married couples normally cover more than one vehicle, which a lot of carriers will give you a discount for.

For single drivers, the difference in average premiums between these two companies is significant, with Farmers prices coming in at about 15% less than Grange's. For married drivers, the advantage is clear again - Farmers has the edge when it comes to average rates.

Farmers or Grange: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll generally end up paying more for auto insurance than women.

Generally, men see premiums around $7 a month higher with Farmers, but with Grange, the difference is closer to $12 per month.

Looking at the data for each carrier specifically, Farmers comes out on top for both men and women, with average rates 19% less for men and 18% cheaper for women.

Farmers 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.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

But most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, Farmers has the significant edge, with average monthly prices coming in at $126. If you want a full coverage policy with the same state minimum limits, Farmers again has the edge, with policies averaging about $281 a month to Grange's $313.

Is Farmers 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.

At-fault accidents and speeding tickets will most likely raise your premiums, but is Farmers or Grange cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Farmers for their insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of about 23%.

That being said, Farmers has less expensive prices for drivers in both categories, offering rates that are 10% and 12% more affordable, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Farmers drivers who get in an accident can expect to see their premiums rise by just under 30%, while those who have insurance through Grange will see around a 30% increase.

At the end of the day, the less expensive prices come from Farmers, with average rates coming in at $224 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 ticket or even a collision. On average, Grange will climb your premiums about 43% after a DUI, while Farmers's average prices increase by more than 25%.

But if you end up with a DUI charge and are looking for more affordable premiums, Farmers tends to be cheaper for the average driver, with monthly premiums coming in at around $221 to Grange's $314.

How does Credit Score Impact Farmers and Grange Rates?

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

Car 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, drivers with good credit will often be rewarded with more affordable prices.

Looking at Farmers and Grange specifically, which company has the cheapest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Farmers will normally reward you the most. For drivers with "excellent" credit scores, Farmers comes in over 15.03 less expensive. Drivers with "good" credit scores typically save about 17% with Farmers compared to average rates from Grange.

Which Company is Best for Drivers with Bad Credit?

Farmers typically offers lower premiums than Grange when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 17% per month less with Farmers compared to Grange, and those with "poor" scores generally save an average of about 25% a month.

Is Farmers 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 rates? Normally, the more milage you put on your car, 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 Farmers charges. However, there's a small difference in monthly prices for Grange, with policyholders who drive the least paying around $2 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Farmers is the cheaper company.

Farmers 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 insurance, but the type of area you live in can have a large 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 vehicles that are on the roads where they live.

When comparing these two carriers side-by-side, Farmers normally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 23% with Farmers compared to Grange. People who live in suburban areas pay around 20% less with Farmers compared to Grange. For policyholders in urban ZIP codes, Farmers Insurance's average premiums are about 14% less than Grange Insurance.

Farmers vs. Grange Discounts

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

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 Farmers and Grange so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

They both offer great discounts like anti-theft discounts, distant student discounts, discounts for getting driver training, and group discounts.

Final Thoughts: Is Farmers or Grange Best for You?

So, we've broken down the average prices for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best one for you and your specific profile and needs?

Farmers might be best for you if....

• You've been pulled over for speeding recently.
• You're looking for the best rates on liability only coverage.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Grange might be best for you if...

• You like the personalized touch of a small, regional company.

Hopefully, this guide helps you get a better idea of the difference between Farmers and Grange and that it aids in making a more informed 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 car insurance -- comparing quotes from a handful of carriers, not just Farmers and Grange. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Farmers vs. Grange FAQs

Is Farmers or Grange cheaper?

Farmers is the more affordable of the two carriers when looking at national average premiums, with policies averaging $203 a month with Farmers and $249 for Grange. But that doesn't mean Farmers will be the cheapest carrier for everyone, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Farmers or Grange?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Farmers and Grange offer me different rates?

Insurance companies use several different factors when calculating the prices they charge. Variables like gender, age, where you park your car, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Farmers and Grange use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Farmers 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 companies 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 area information 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 best price. And maybe you'll find that the best carrier for you isn't Farmers 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.