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

Quick Facts

• In general, Hastings Mutual offers cheaper premiums than Grange
• Grange may help you save more money -- they offer more discounts than Hastings Mutual Insurance Company
• Hastings Mutual offers less expensive average prices for policyholders who live in urban areas

Grange or Hastings Mutual: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering substantial savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Grange or Hastings Mutual for your next policy, but which company will offer you more affordable rates?

As you can see, Hastings Mutual is around $38 a month cheaper than Grange when looking at the national average rates for auto insurance.

However, that doesn't mean Hastings Mutual will necessarily be less expensive than Grange for every driver. Car insurance carriers use a variety of complex algorithms to determine premiums, so depending on where you live or how old you are (among several other factors), you could see wildly different rates from the ones above.

Wanting to know if Grange or Hastings Mutual is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Grange vs. Hastings Mutual: Average Car Insurance Rates by State

Grange and Hastings Mutual only compete against each other in two states, with Hastings Mutual offering more affordable premiums to the average driver in all of them. If you live in Ohio, Grange is the cheaper of the two companies when looking at the overall average rates. Hastings Mutual is the more affordable option in Michigan.

But there's more to calculating insurance prices than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. It's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Hastings Mutual for their auto insurance pay almost 30% less than those who use Grange.

That being said, with both carriers, you'll see your rates drop significantly by the time drivers turn 25. Hastings Mutual offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Grange's average premiums lower nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? Hastings Mutual gets the edge here, with average prices coming in at about $167 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are usually more expensive for those who are single than they are for married drivers? This usually boils down to married policyholders having more than one vehicle on their policy -- something quite a few insurance companies will reward with discounts.

For single drivers, the difference in average prices between these two carriers is significant, with Hastings Mutual premiums coming in at a quarter less than Grange's. It's not quite so glaring for married couples, where drivers who use Hastings Mutual save around $10 per month.

Grange or Hastings Mutual: Average Rates by Gender

Women tend to pay less for car insurance than men. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

With Grange, men normally pay about $10 a month more than women, and around $5 with Hastings Mutual.

When it comes to the most affordable premiums for each gender, Hastings Mutual comes out on top for both men and women. On average, women save about $35 per month and men save about $42 with Hastings Mutual compared to the average Grange policyholder.

Grange vs. Hastings Mutual: 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 limits and coverages that it can be hard to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Hastings Mutual has the edge, with average monthly rates coming in at $142. If you want a full coverage policy with the same state minimum limits, Hastings Mutual again has the edge, with policies averaging around $279 a month to Grange's $313.

Is Grange or Hastings Mutual 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.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two companies offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Grange for their auto insurance can usually expect their monthly bill to go up about 23% after getting a speeding ticket. Hastings Mutual policyholders can expect a less drastic increase of around 16%.

However, Hastings Mutual tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are 39% and 45% less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange drivers who get in a collision can expect to see their premiums increase by over $85, while those who have insurance through Hastings Mutual will see about a $15 increase.

At the end of the day, the more affordable rates come from Hastings Mutual, with average prices coming in at $126 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 car insurance bill. Hastings Mutual drivers usually see a 77% raise in their insurance premiums after a DUI charge, while Grange will typically increase prices by around 43%.

But if you end up with a DUI charge and are looking for more affordable rates, Grange tends to be cheaper for the average driver, with monthly premiums coming in at about $314 to Hastings Mutual's $478.

How does Credit Score Impact Grange and Hastings Mutual Rates?

Did you know many car insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it might come into play for many policyholders.

Auto insurance companies 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, drivers with good credit will often be rewarded with less expensive rates.

So, which company offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Hastings Mutual will generally reward you the most. For drivers with "excellent" credit scores, Hastings Mutual comes in nearly 13.47 cheaper. Drivers with "good" credit scores normally save around 13% with Hastings Mutual compared to average premiums from Grange.

Which Company is Best for Drivers with Bad Credit?

Hastings Mutual typically offers lower rates than Grange when it comes to drivers with bad credit. Drivers with "fair" credit pay about 18% per month less with Hastings Mutual compared to Grange, and those with "poor" scores typically save an average of around 20% monthly.

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

How much you drive can have a large impact on your monthly prices. Generally, the more milage you drive, the more you can expect to pay for coverage.

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

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

Where your home is can have a considerable impact on your monthly car insurance payment. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Hastings Mutual tends to offer the most affordable prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Hastings Mutual Insurance Company's average premiums are around 0% less than Grange Insurance. People who live in suburban areas pay about 25% less with Hastings Mutual compared to Grange. Those in rural areas can expect to save around 25% with Hastings Mutual compared to Grange.

Grange vs. Hastings Mutual 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 taking advantage of as many auto insurance discounts as possible.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Grange and Hastings Mutual offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Grange knocks Hastings Mutual out of the park when it comes to the sheer number of discounts available, offering 18 more discounts than Hastings Mutual.

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

On the other hand, Hastings Mutual has a few proprietary discounts of their own like prior carrier discounts and workloss exclusion discounts.

Final Thoughts: Is Grange or Hastings Mutual Best for You?

So, you've seen how different variables can affect your insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best carrier for you, your vehicle, and your wallet?

Hastings Mutual might be best for you if....

• You have an at-fault accident on your record.
• Your home is in a busy urban area.
• You drive fewer than 6,000 miles each year.

Grange might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for discounts -- Grange has the most.

Hopefully, this guide has ben a valuable resource as you compare Grange and Hastings Mutual. 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 several companies, not just Grange and Hastings Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Grange vs. Hastings Mutual FAQs

Is Grange or Hastings Mutual cheaper?

Hastings Mutual is the more affordable of the two companies when looking at national average prices, with policies averaging $211 a month with Hastings Mutual and $249 for Grange. That being said, that doesn't mean Hastings Mutual will be the lowest company for everyone, since there are a variety of different factors that are considered when it comes to your insurance bill.

Who is better, Grange or Hastings Mutual?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Hastings Mutual is less expensive for drivers with excellent credit, while Grange offers more affordable rates for drivers with a recent DUI.

Why do Grange and Hastings Mutual offer me different rates?

Car insurance carriers use a lot of different variables when calculating the prices they charge. Factors like where you live, where you call home, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Hastings Mutual calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Grange or Hastings Mutual is right for me?

The only way to find the insurance carrier 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 information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Grange or Hastings Mutual 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.