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

Quick Facts

• Looking at the national averages for car insurance, Grange offers significantly more affordable rates than Fremont
• Grange has less expensive prices for residents of urban areas
• Grange tends to be a much cheaper option for policyholders who drive fewer than 12,000 miles yearly

Fremont vs. Grange: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

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

Looking at the national average rates for both companies, Grange is quite a bit cheaper than Fremont, with rates averaging $249 per month compared to $562 with Fremont.

That being said, Grange may not be the most affordable or best option for every single driver out there. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both Fremont and Grange by lots of different rate factors, so read on to find out which carrier is the best for you.

Fremont or Grange: Average Car Insurance Rates by State

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That being said, there are plenty of other factors that go into your auto insurance payment than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Grange save more than $500 a month compared to those who use Fremont.

Even so, with both companies, you'll see your prices lower significantly 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. Fremont's average rates decrease over 70% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance premiums 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 car insurance.

But who has the best rates for retired drivers between Fremont and Grange? Grange gets the edge, with prices for drivers 65 and older nearly 40% cheaper than the national average for Fremont.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance premiums than those who are single. That's because policies for married policyholders usually cover more than one car, which many carriers will offer you a discount for.

When it comes to relationship status, Grange is the clear winner for single policyholders, with rates about $393 per month more affordable than Fremont, on average. For married drivers, the advantage is clear again - Grange has the edge when it comes to average prices.

Fremont vs. Grange: Average Rates by Gender

Did you know women generally pay less for auto insurance than men? This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim.

With Fremont, everyone ends up paying the same monthly premiums regardless of gender, while with Grange, the difference is closer to $12 a month.

Looking at the data for each company specifically, Grange comes out as the lowest option for both genders, with average rates $307 less for men and $319 cheaper for women.

Fremont 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.

Car insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, Grange normally offers significantly cheaper prices of $185 compared to Fremont's $334. When it comes to full coverage policies with similar limits, Grange again has the edge, with policies around $500 per month less expensive than Fremont, on average.

Is Fremont or Grange Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great premiums 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 accidents lead to higher rates, but which carrier -- Fremont or Grange -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Fremont policyholders can expect their premiums to go up an average of $138 a month if they get a ticket, while Grange typically raises rates about $55 per month, on average.

That being said, Grange tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are 20% and 35% more affordable, respectively, compared to Fremont Insurance.

Which Company is Best for Drivers After an Accident?

Fremont drivers who get in a collision can expect to see their prices climb by over 25%, while those who have insurance through Grange will see around a 30% increase.

Overall, drivers who use Grange end up with the cheaper prices after an accident, with monthly rates averaging $266 compared to Fremont Insurance's $307.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. For example, Fremont increases average premiums by over $500 a month -- that's just under a 85% increase.

If you have a DUI on your record and are looking for more affordable rates, Grange tends to be the much cheaper option with average prices of $314 per month compared to 1353 from Fremont.

How does Credit Score Impact Fremont and Grange Rates?

Did you know that many car insurance carriers take into account your credit score when calculating premiums? This isn't always the case (for example, are two states that ban the practice entirely), but it does affect lots of policyholders out there.

The reasoning insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking at Fremont and Grange specifically, which company has the best prices 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 Fremont 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 premiums? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause an insurance claim.

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

Fremont vs. 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 pretty big impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

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

Drivers in rural ZIP codes see the cheapest prices from both carriers, but Grange comes out on top with average rates around $220 a month. Grange also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a 57% and 56% per month respective difference when compared to Fremont drivers in similar areas.

Fremont 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 utilizing as many car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the table below, we've compared all of the different discounts offered by Fremont and Grange so that you can see which one can save you the most money each month.

Grange blows Fremont away when it comes to the sheer amount of discounts available, offering 28 different discounts to Fremont's 14.

Both companies offer many of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, discounts for being a good driver, and discounts for insuring multiple cars with the same company -- but Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that Fremont does not.

On the flip side, Fremont has a couple unique discounts of its own -- garage discounts, premier risk discounts, and umbrella policy discounts.

Final Thoughts: Is Fremont or Grange Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, is Fremont or Grange the right carrier for you and your specific driver profile?

Grange might be best for you if....

• You want to save money on your insurance after a collision.
• You live in an urban area.
• You live in a rural neighborhood.

Fremont might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Fremont 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.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Fremont 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 auto insurance carriers in your area, all for free.

Fremont vs. Grange FAQs

Is Fremont or Grange cheaper?

Looking just at the national average prices, Grange is the cheaper of the two companies, offering average rates of $249 a month compared to $562 for Fremont. Even so, Grange won't necessarily be the most affordable carrier for each driver, since there are a variety of different variables that come into play when it comes to your car insurance cost.

Who is better, Fremont or Grange?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Fremont and Grange offer me different rates?

Auto insurance carriers take a look at several different factors when determining the rates they charge policyholders. Things like age, where you park your vehicle, gender, your driving record, and sometimes even things like your credit score can all be used. Both Fremont and Grange calculate prices using different formulas, 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 multiple different companies.

How do I know if Fremont 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, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Fremont 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.