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

Quick Facts

• In general, Grange offers slightly cheaper rates than Foremost
• Foremost offers less expensive average prices for policyholders who live in rural neighborhoods
• Grange has more affordable premiums for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might be considering Foremost or Grange, but between the two, which one will save you the most?

As you can see, Foremost is around $21 more a month than Grange when looking at the national average rates for insurance.

But that doesn't necessarily mean Grange will be the less expensive option for every single driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (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 premiums from both Foremost and Grange by lots of different rate factors, so read on to find out which carrier is the best for you.

Foremost vs. Grange: Average Car Insurance Rates by State

Foremost and Grange only compete against each other in one states, with Grange offering more affordable prices to the average driver in all of them. Washington has the most noticable difference, where Grange rates are $23 cheaper than car insurance prices at Foremost.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies determine your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 4% less per month by choosing Grange over Foremost.

However, both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Foremost policyholders reduce more than 60% and Grange's premiums decrease almost 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest auto insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best premiums for retired drivers between Foremost and Grange? Grange gets the slight edge, with rates for drivers 65 and older $19 more affordable than the national average for Foremost.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more expensive for single policyholders than they are for married drivers? That's because policies for married policyholders normally cover several vehicles, which many companies will give you a discount for.

If you're in the market for auto insurance, Grange tends to have the most affordable average prices regardless of relationship status, with prices nearly 10% cheaper for married couples and almost 10% less expensive for single drivers.

Foremost or Grange: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men.

Typically, men see rates about 1% a month higher with Foremost, and around 5% with Grange.

Looking at overall affordability, Grange comes out as the lowest option for both genders. On average, women save about $25 per month and men save about $17 with Grange compared to the average Foremost policyholder.

Foremost 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, insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to liability coverage).

When it comes to state minimum limits for liability insurance, Foremost has the edge, while Grange offers the most affordable average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Foremost Insurance Group, while full coverage comes out to be around $55 cheaper with Grange Insurance.

Is Foremost 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.

You'll probably end up paying more with speeding tickets and at-fault accidents on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Foremost for their auto insurance can normally expect their monthly bill to go up about 22% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

However, Grange is typically the less expensive option for both drivers who have a recent ticket and those with clean records -- their rates are around 11% more affordable for drivers with clean records and 9% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Foremost policyholders who get in an accident can expect to see their rates increase by just under $200, while those who have insurance through Grange will see about a $85 increase.

At the end of the day, Grange offers the cheapest prices for drivers with an at-fault collision on their records, with average premiums coming in at $266 compared to Foremost Insurance Group's $381.

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 -- generally a lot more than a collision or speeding ticket. For example, Grange increases average prices by nearly $150 a month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Foremost tends to be more affordable for the average driver, with monthly premiums coming in at around $238 to Grange's $314.

How does Credit Score Impact Foremost and Grange Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it will come into play for lots of drivers.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Foremost and Grange, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly premiums. Usually, the more milage you put on your car each year, the more you can expect to pay for car insurance.

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

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

Where you live can have a sizable impact on your monthly insurance cost. Normally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

When comparing these two carriers side-by-side, Grange generally comes out as the less expensive option for drivers in urban and suburban areas, while Foremost wins in rural areas.

Those in rural areas can expect to save around $15 with Foremost compared to Grange. People who live in suburban areas pay about $52 less with Grange compared to Foremost. For policyholders in urban ZIP codes, Grange Insurance's average prices are around $26 less than Foremost Insurance Group.

Foremost 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, and the best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Foremost and Grange so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Grange knocks Foremost out of the park when it comes to the sheer number of discounts available, offering 16 more discounts than Foremost.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good driver. Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Foremost has a few proprietary discounts of their own for things like advance quote discounts, EFT discounts, minor child discounts, and more.

Final Thoughts: Is Foremost or Grange Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right one for you, your vehicle, and your wallet?

Grange might be best for you if....

• You want to save money on your car insurance after an accident.
• Your credit score is high.
• You're of retirement age and want to take advantage of lower prices.

Foremost might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for the best premiums on liability only coverage.
• You live in a rural area.

Hopefully, this guide helps you get a better idea of the difference between Foremost and Grange. We also hope we've given you the information you need to make the best 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 auto insurance -- comparing quotes from a handful of companies, not just Foremost and Grange. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Foremost vs. Grange FAQs

Is Foremost or Grange cheaper?

Grange is the more affordable of the two companies when looking at national average prices, with policies averaging $249 per month with Grange and $270 for Foremost. That being said, that doesn't mean Grange will be the lowest carrier for each driver, since there are several different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Foremost or Grange?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Grange is cheaper for drivers with excellent credit, while Foremost offers more affordable premiums for drivers with a recent DUI.

Why do Foremost and Grange offer me different rates?

Insurance carriers use quite a few different variables when determining the rates they charge. Factors such as your driving record, where you park your car, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Foremost and Grange calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Foremost 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 multiple 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. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Foremost 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.