First American Property & Casualty vs. Grange: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, First American Property & Casualty offers significantly less expensive premiums than Grange
• First American Property & Casualty offers more affordable average rates for drivers who have an at-fault accident on their record
• Grange has cheaper premiums for drivers who have less-than-stellar credit

First American Property & Casualty vs. Grange: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering pretty big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to First American Property & Casualty or Grange for your next policy, but which one has more affordable prices for car insurance?

Looking at the national average rates for both companies, First American Property & Casualty is quite a bit cheaper than Grange, with rates averaging $167 per month compared to $249 with Grange.

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

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

First American Property & Casualty or Grange: Average Car Insurance Rates by State

First American Property & Casualty and Grange only compete against each other in California, where Grange offers the cheaper average rates. For California residents, Grange offers auto insurance for $137 monthly on average. First American Property & Casualty's average prices come out to be over 20% more expensive, at $167 per month.

But there's more to calculating insurance rates 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?

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

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 First American Property & Casualty save nearly $200 a month compared to those who use Grange.

That being said, both companies will lower rates by the time you turn 25. For example, average premiums for First American Property & Casualty policyholders decrease more than $200 and Grange's prices drop almost $350 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest car insurance rates you'll ever see. 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 First American Property & Casualty and Grange? First American Property & Casualty gets the edge, with prices for drivers 65 and older nearly 40% cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married couples normally cover several cars, which many carriers will offer you a discount for.

When it comes to relationship status, First American Property & Casualty is the clear winner for those who are single, with rates about $98 per month more affordable than Grange, on average. For married drivers, the advantage is clear again - First American Property & Casualty has the edge when it comes to average prices.

First American Property & Casualty vs. Grange: Average Rates by Gender

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

Women and men get the same monthly rates with First American Property & Casualty, while with Grange, the difference is closer to 5% a month.

Looking at overall affordability, First American Property & Casualty offers the cheapest average premiums for both men and women. On average, male drivers save about $88 per month and women save around $76 with First American Property & Casualty compared to the average Grange policyholder.

First American Property & Casualty 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.

Insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

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

If you're looking for state minimum limits for liability insurance, First American Property & Casualty normally offers significantly less expensive prices of $70 compared to Grange's $185. When it comes to full coverage policies with similar limits, First American Property & Casualty again has the edge, with policies about $50 a month cheaper than Grange, on average.

Is First American Property & Casualty or Grange Better for Drivers with Spotty Records?

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

It's no secret secret that tickets and at-fault accidents lead to higher premiums, but which company -- First American Property & Casualty or Grange -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

First American Property & Casualty policyholders can expect their premiums to go up an average of $26 per month if they get a ticket, while Grange usually raises rates around $55 a month, on average.

But First American Property & Casualty has less expensive prices for drivers in both categories, offering premiums that are $61 and $90 cheaper, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

First American Property & Casualty drivers who get in a collision can expect to see their rates climb by just under 20%, while those who have insurance through Grange will see about a 30% increase.

Overall, First American Property & Casualty offers the lowest premiums for drivers with an at-fault collision on their records, with monthly prices averaging $145 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, First American Property & Casualty will climb your rates around 54% after a DUI, while Grange's average premiums increase by just under 45%.

If you have a DUI on your record and are looking for more affordable prices, First American Property & Casualty tends to be the much more affordable option with average rates of $256 a month compared to $314 from Grange.

How does Credit Score Impact First American Property & Casualty and Grange Rates?

Did you know that many insurance carriers take your credit score into account when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at First American Property & Casualty and Grange specifically, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Generally, if you have excellent credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will normally save Grange Insurance customers about $30. On the other hand, undefined doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Grange Insurance. As you can see, Grange Insurance customers with poor credit scores pay around $90 per month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, undefined doesn't have data available for credit scores, which means drivers with bad credit could find better rates with undefined over Grange Insurance.

Is First American Property & Casualty 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 large impact on your monthly rates? Usually, those who drive less will end up with cheaper premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, First American Property & Casualty offers more affordable prices than Grange. First American Property & Casualty's average rates for drivers with 6,000 annual miles come in nearly 45% less expensive than Grange. Those who drive 12,000 miles annually can expect to pay just under 25% less with First American Property & Casualty over Grange.

First American Property & Casualty vs. Grange: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a sizable role in how much you pay for car insurance. Typically, those who live in urban areas will pay more than policyholders in rural areas because of the number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, First American Property & Casualty generally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable prices from both companies, but First American Property & Casualty comes out on top with average premiums about $140 per month. First American Property & Casualty also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a 41% and 20% a month respective difference when compared to Grange drivers in similar areas.

First American Property & Casualty 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 taking advantage of as many auto insurance discounts as you can.

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.

In the section below, we've taken a look at all of the different discounts First American Property & Casualty and Grange offer their customers so that you can see which company can save you the most money each month.

Grange blows First American Property & Casualty away when it comes to the sheer amount of discounts available, offering 18 more discounts than First American Property & Casualty.

A couple of those are overlapping for things like distant student discounts, discounts for being a good student, group discounts, and multi-policy discounts. Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that First American Property & Casualty does not.

First American Property & Casualty's discounts come through just a few categories, including Anti-Theft, Distant Student, Good Driving, and more.

Final Thoughts: Is First American Property & Casualty or Grange Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, is First American Property & Casualty or Grange the right carrier for you, your vehicle, and your wallet?

First American Property & Casualty might be best for you if....

• You want to save money on your auto insurance after an accident.
• You live in a rural area.
• 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 have less-than-stellar credit.
• You already have a great credit score.
• You care about discounts (Grange offers the most).

We hope this guide has ben a valuable resource as you compare First American Property & Casualty and Grange. We also hope we've given you the information you need to make the best decision when it comes to your car 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 auto insurance -- comparing quotes from multiple carriers, not just First American Property & Casualty and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

First American Property & Casualty vs. Grange FAQs

Is First American Property & Casualty or Grange cheaper?

Looking just at the national average rates, First American Property & Casualty is the less expensive of the two carriers, offering average rates of $167 per month compared to $249 for Grange. However, First American Property & Casualty won't necessarily be the cheapest carrier for every policyholder, since there are multiple different factors that are considered when it comes to your car insurance cost.

Who is better, First American Property & Casualty or Grange?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for each driver -- it all boils down to your unique insurance profile. For example, First American Property & Casualty offers more affordable premiums for policyholders with an at-fault accident on their record, while Grange is less expensive for drivers who have less-than-stellar credit scores.

Why do First American Property & Casualty and Grange offer me different rates?

Car insurance companies take a look at several different variables when determining the prices they charge drivers. Things such as where you call home, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both First American Property & Casualty and Grange calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if First American Property & Casualty or Grange is right for me?

The only way to find the auto insurance company 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be First American Property & Casualty 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.