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

Quick Facts

• Based on national averages for car insurance, General Casualty offers significantly less expensive rates than Grange
• General Casualty offers cheaper average premiums for drivers with a DUI
• Grange may help you save more money -- they offer more discounts than General Casualty

General Casualty or Grange: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might be considering General Casualty or Grange as your top options, but between the two, which one has more affordable rates for auto insurance?

Looking at the national average rates for both carriers, General Casualty is quite a bit cheaper than Grange, with prices averaging $139 a month compared to $249 with Grange.

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

Luckily, we've broken down average prices from both General Casualty and Grange by many different rate factors, so read on to find out which company is the best for you.

General Casualty vs. Grange: Average Car Insurance Rates by State

General Casualty and Grange only compete against each other in one states, with Grange offering less expensive premiums to the average driver in all of them. Ohio has the most noticable difference, where Grange prices are $9 more affordable than car insurance premiums at General Casualty.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers determine your rates. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's generally because teen 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use General Casualty save almost 50% per month compared to those who use Grange.

Even so, both companies will decrease premiums once you 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, General Casualty still has the cheapest rates at $114 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best rates for retired drivers between General Casualty and Grange? General 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?

Did you know that auto insurance premiums are usually less expensive for married policyholders than they are for single policyholders? That's because policies for married couples typically cover multiple vehicles, which a lot of carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with General Casualty premiums coming in at around half of Grange's. The advantage for married drivers with General Casualty is also obvious, where drivers save almost 45% a month.

General Casualty or Grange: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will generally end up paying a little more.

With General Casualty, women normally pay nearly 10% per month less than men, but with Grange, the difference is closer to 5% a month.

When it comes to the cheapest prices for each gender, General Casualty comes out on top for both men and women, with average rates 43% less for men and 46% cheaper for women.

General Casualty 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, car insurance isn't the easiest topic to understand. 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

Looking specifically at state minimum liability limits, General Casualty has the significant edge, with average monthly premiums coming in at $82. If you want a full coverage policy with the same state minimum limits, General Casualty again has the edge, with policies averaging about $195 per month to Grange's $313.

Is General Casualty or Grange Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your prices, but is General Casualty or Grange more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use General Casualty for their car insurance can usually expect their monthly bill to go up around 32% after getting a speeding ticket. Grange policyholders can expect a less drastic increase of about 23%.

However, General Casualty tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are 50% and 43% less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through General Casualty can expect to see around an $56 -- or about 38% -- 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 an accident to their auto insurance carrier.

At the end of the day, General Casualty offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $146 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 a collision. On average, Grange will increase your prices about 43% after a DUI, while General Casualty's average rates climb by more than 50%.

But if you end up with a DUI charge and are looking for more affordable premiums, General Casualty tends to be more affordable for the average driver, with monthly premiums coming in at around $186 to Grange's $314.

How does Credit Score Impact General Casualty and Grange Rates?

Did you know many car insurance carriers take into account your credit score when determining prices? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it does affect lots of drivers out there.

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

So, which company offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, General Casualty will typically reward you the most. For policyholders with "excellent" credit scores, General Casualty comes in over 46.63 less expensive. Drivers with "good" credit scores usually save about 47% with General Casualty compared to average rates from Grange.

Which Company is Best for Drivers with Bad Credit?

General Casualty typically offers lower prices than Grange when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 45% a month less with General Casualty compared to Grange, and those with "poor" scores normally save an average of about 43% a month.

Is General 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 big impact on your monthly premiums? Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much General Casualty 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 annually. Still, for drivers in both categories, General Casualty is the cheaper carrier.

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

Where you call home can play a large role in how much you pay for auto insurance. Generally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads where they live.

General Casualty tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, General Casualty's average rates are about $151 while Grange offers prices around $292. Drivers in suburban ZIP codes pay a monthly rate of about $134 with General Casualty compared to $235 with Grange. If you live in a rural area, you can expect to pay around $131 per month with General Casualty and $220 with Grange.

General Casualty vs. Grange Discounts

No matter why you might be in the market for a new 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 auto insurance discounts as possible.

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

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

Grange blows General Casualty away when it comes to the sheer amount of discounts available, offering 28 different discounts to General Casualty's 12.

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

On the other hand, General Casualty has a few proprietary discounts of their own like advance quote discounts and new vehicle discounts.

Final Thoughts: Is General Casualty or Grange Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which insurance company is the best fit for you?

General Casualty might be best for you if....

• You will be the only person on the insurance policy.
• Your home is located in the suburbs.
• You're of retirement age and want to take advantage of lower rates.

Grange might be best for you if...

• You care about discounts (Grange offers the most).

Hopefully, this guide has ben a valuable resource as you compare General Casualty and Grange and that it aids in making a more informed decision about your auto 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 companies, not just General Casualty and Grange. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

General Casualty vs. Grange FAQs

Is General Casualty or Grange cheaper?

General Casualty is the less expensive of the two companies when looking at national average prices, with policies averaging $139 per month with General Casualty and $249 for Grange. But that doesn't mean General Casualty will be the lowest carrier for every driver, since there are lots of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, General Casualty or Grange?

Sadly, the answer truly is "it depends.". No one company is necessarily "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile.

Why do General Casualty and Grange offer me different rates?

Car insurance carriers use several different variables when calculating the premiums they charge. Things such as your driving record, where you park your vehicle, gender, age, and sometimes even things like your credit score can all be used. Both General Casualty and Grange calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if General Casualty or Grange is right for me?

The only way to find the 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 does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't General Casualty 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.