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

Quick Facts

• Based on national averages for insurance, Farmers Union offers significantly cheaper rates than Grange
• Farmers Union offers more affordable average prices for drivers with a DUI
• Grange may help you save more money -- they offer more discounts than Farmers Union Insurance

Farmers Union or Grange: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Farmers Union or Grange as potential options, but between the two, which one will save you the most?

As you can see, Farmers Union is around $60 a month less expensive than Grange when looking at the national average rates for auto insurance.

That being said, that doesn't mean Farmers Union will necessarily be cheaper than Grange for every single driver. Insurance carriers vary their premiums depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and tons of other factors. So, at the end of the day, rates from every company will differ quite a bit from person to person.

So, if you want to find out which of Farmers Union or Grange is really the best for you, keep reading to see average prices for each carrier broken down by lots of different rate factors.

Farmers Union vs. Grange: Average Car Insurance Rates by State

Farmers Union and Grange only compete against each other in one states, with Farmers Union offering less expensive premiums to the average driver in all of them. Colorado has the most noticable difference, where Farmers Union prices are $11 more affordable than auto insurance rates at Grange.

That being said, there are plenty of other factors that go into your car insurance bill than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. Usually, that's because teen 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 car insurance. Just look at the table above -- where 18-year-old drivers who have Farmers Union for their insurance pay almost 30% less than those who use Grange.

But with both companies, you'll see your rates lower significantly once you turn 25. For example, average premiums for Farmers Union policyholders reduce about $200 and Grange's rates drop around $350 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

But who has the best premiums for retired drivers between Farmers Union and Grange? Farmers Union gets the edge, with rates for drivers 65 and older $52 less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally more affordable for married couples than they are for single drivers? That's typically because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Farmers Union premiums coming in at a quarter less than Grange's. The advantage for married policyholders with Farmers Union is also obvious, where drivers save about $40 per month.

Farmers Union or Grange: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll generally end up paying more for insurance than women.

With Farmers Union, women typically pay around 6% a month less than men, and about 5% less with Grange.

Looking at the data for each company specifically, Farmers Union offers the cheapest average rates for both men and women. On average, male drivers save about $60 per month and women save around $59 with Farmers Union compared to the average Grange policyholder.

Farmers Union 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, auto insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for a variety 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Farmers Union has the significant edge, with average monthly prices coming in at $107. If you want a full coverage policy with the same state minimum limits, Farmers Union again has the edge, with policies averaging about $271 a month to Grange's $313.

Is Farmers Union 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.

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which carrier -- Farmers Union or Grange -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Farmers Union for their insurance can normally expect their monthly bill to go up around 27% after getting a speeding ticket. Grange policyholders can expect a less drastic increase of about 23%.

Even so, Farmers Union is usually the cheaper option for both drivers who have a recent ticket and those with clean records -- their rates are around 23% more affordable for drivers with clean records and 20% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Farmers Union can expect to see around an $69 -- or about 33% -- rise in their car insurance prices. Drivers who use Grange for their insurance will see a monthly bill around $86 (or 32%) more expensive after reporting a collision to their auto insurance company.

At the end of the day, the less expensive rates come from Farmers Union, with average prices coming in at $207 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 collision or speeding ticket when it comes to your insurance bill. Grange drivers usually see a 43% increase in their car insurance premiums after a DUI charge, while Farmers Union will generally climb prices by about 39%.

But if you end up with a DUI charge and are looking for more affordable premiums, Farmers Union tends to be cheaper for the average driver, with monthly premiums coming in at around $225 to Grange's $314.

How does Credit Score Impact Farmers Union and Grange Rates?

Did you know many insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it does affect several drivers out there.

Car insurance carriers 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.

Looking specifically at Grange and Farmers Union, which company has the lowest rates 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 Farmers Union or Grange Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly auto insurance payment. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers Union charges. However, there's a small difference in monthly prices for Grange, with policyholders who drive 6,000 miles annually paying about $2 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Farmers Union is the less expensive carrier.

Farmers Union 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 substantial impact as well. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Farmers Union typically comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $170 per month with Farmers Union compared to Grange's $220. Drivers in suburban ZIP codes pay a monthly premium of about $172 with Farmers Union compared to $235 with Grange. In urban areas, Farmers Union's average rates are around $226 while Grange offers premiums about $292.

Farmers Union vs. Grange Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Farmers Union and Grange so that you can see which carrier can save you the most money each month.

Grange blows Farmers Union away when it comes to the sheer amount of discounts available, offering 17 more discounts than Farmers Union.

There are a couple discounts both carriers offer, but Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Farmers Union has a few proprietary discounts of their own for things like farm discounts, homeowner discounts, and minor child discounts.

Final Thoughts: Is Farmers Union or Grange Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right company for you and your specific driver profile?

Farmers Union might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You live in an suburban area.
• You've started working from home and don't have much of a commute.

Grange might be best for you if...

• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Farmers Union 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 multiple companies, not just Farmers Union and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Farmers Union vs. Grange FAQs

Is Farmers Union or Grange cheaper?

Farmers Union is the more affordable of the two companies when looking at national average premiums, with policies averaging $189 per month with Farmers Union and $249 for Grange. That being said, that doesn't mean Farmers Union will be the most affordable company for everyone, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Farmers Union or Grange?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Farmers Union and Grange offer me different rates?

Car insurance carriers use quite a few different variables when calculating the rates they charge. Factors such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Farmers Union and Grange calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Farmers Union 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.