Grange vs. Idaho Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Idaho Farm Bureau offers significantly less expensive premiums than Grange
• Grange may help you save more money -- they offer more discounts than Idaho Farm Bureau Insurance
• Idaho Farm Bureau offers more affordable rates for policyholders who have a clean record

Grange or Idaho Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You might be considering Grange or Idaho Farm Bureau, but which one will offer you more affordable premiums?

Looking at the national average rates for both carriers, Grange is quite a bit more expensive than Idaho Farm Bureau, with rates averaging $249 a month compared to just $127 with Idaho Farm Bureau.

That being said, Idaho Farm Bureau may not be the most affordable or best option for each driver out there. Auto insurance companies use a ton of complex algorithms to determine prices, so depending on how clean your driving record is or how old you are (among a multitude of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Grange or Idaho Farm Bureau is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Grange vs. Idaho Farm Bureau: Average Car Insurance Rates by State

Grange and Idaho Farm Bureau only compete against each other in Idaho, where Idaho Farm Bureau offers the cheaper average prices. Idaho Farm Bureau drivers tend to pay about $1 per month less on average compared to drivers who use Grange for their insurance.

That being said, there's a lot more that goes into your car insurance cost than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. It's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Idaho Farm Bureau for their car insurance pay almost 55% less than those who use Grange.

However, both carriers will reduce rates by the time drivers turn 25. For example, average prices for Grange policyholders lower around $350 and Idaho Farm Bureau's premiums decrease nearly $150 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Idaho Farm Bureau gets the edge, with prices for drivers 65 and older $106 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 less expensive for married couples than they are for those who are single. That's generally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average rates between these two companies is significant, with Idaho Farm Bureau premiums coming in at about half of Grange's. The advantage is also clear for married policyholders - Idaho Farm Bureau offers the lowest average prices.

Grange or Idaho Farm Bureau: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? That's because women are less likely to get into accidents and get speeding tickets, which lowers the chances of filing a claim with insurance.

With Grange, men typically pay around $10 a month more than women, and about $10 with Idaho Farm Bureau.

Looking at overall affordability, Idaho Farm Bureau comes out as the cheapest option for both genders, with average rates 48% less for men and 49% cheaper for women.

Grange vs. Idaho Farm Bureau: 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.

It's no secret that insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

But the 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 collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, Idaho Farm Bureau has the significant edge, with average monthly prices coming in at $66. If you want a full coverage policy with the same state minimum limits, Idaho Farm Bureau again has the edge, with policies averaging around $188 per month to Grange's $313.

Is Grange or Idaho Farm Bureau Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Idaho Farm Bureau auto insurance policies don't report seeing their prices increase after getting a ticket, but Grange policyholders can expect to see their monthly bill increase by about 25%.

Even so, Idaho Farm Bureau is generally the more affordable option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 49% cheaper for drivers with clean records and 61% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Grange can expect to see around an $86 -- or about 32% -- rise in their insurance premiums. Drivers who use Idaho Farm Bureau for their car insurance will see a monthly bill around $29 (or 24%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, drivers who use Idaho Farm Bureau end up with the cheaper prices after an accident, with average rates coming in at $120 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 ticket or even a collision. On average, Grange will increase your premiums about 43% after a DUI, while Idaho Farm Bureau's average prices rise by more than 55%.

But if you end up with a DUI charge and are looking for more affordable rates, Idaho Farm Bureau tends to be less expensive for the average driver, with monthly premiums coming in at around $206 to Grange's $314.

How does Credit Score Impact Grange and Idaho Farm Bureau Rates?

Did you know many auto insurance carriers take into account your credit score when determining premiums? 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 several drivers.

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

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Idaho Farm Bureau will normally reward you the most. For drivers with "excellent" credit scores, Idaho Farm Bureau comes in over 50.78 cheaper. Drivers with "good" credit scores usually save about 49% with Idaho Farm Bureau compared to average prices from Grange.

Which Company is Best for Drivers with Bad Credit?

Idaho Farm Bureau typically offers lower rates than Grange when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 48% a month less with Idaho Farm Bureau compared to Grange, and those with "poor" scores generally save an average of about 51% monthly.

Is Grange or Idaho Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Idaho Farm Bureau offers more affordable prices than Grange. Grange's average premiums for drivers with 6,000 annual miles come in more than 50% more expensive than Idaho Farm Bureau. Those who drive 12,000 miles each year can expect to pay over 45% more with Grange over Idaho Farm Bureau.

Grange or Idaho Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for car insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

Idaho Farm Bureau boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to pay around $139 a month with Idaho Farm Bureau and $220 with Grange. Drivers in suburban ZIP codes pay a monthly premium of about $125 with Idaho Farm Bureau compared to $235 with Grange. For drivers in urban ZIP codes, Idaho Farm Bureau's average premiums are around $118 while Grange offers rates about $292.

Grange vs. Idaho Farm Bureau 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 car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Grange and Idaho Farm Bureau so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Grange blows Idaho Farm Bureau away when it comes to the sheer amount of discounts available, offering 26 more discounts than Idaho Farm Bureau.

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

Idaho Farm Bureau's discounts come through just two categories -- Defensive Driver and Good Student.

Final Thoughts: Is Grange or Idaho Farm Bureau Best for You?

So, you've seen how different factors can affect your insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is Grange or Idaho Farm Bureau the right carrier for you and your specific needs?

Idaho Farm Bureau might be best for you if....

• Your credit is less-than-stellar.
• You're looking for the best premiums on liability only coverage.
• You're of retirement age and want to take advantage of lower rates.

Grange might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Grange and Idaho Farm Bureau. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Grange and Idaho Farm Bureau. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Grange vs. Idaho Farm Bureau FAQs

Is Grange or Idaho Farm Bureau cheaper?

Idaho Farm Bureau is the cheaper of the two companies when looking at national average prices, with policies averaging $127 per month with Idaho Farm Bureau and $249 for Grange. But that doesn't mean Idaho Farm Bureau will be the lowest carrier for every driver, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Idaho Farm Bureau?

Sadly, the answer truly is "it depends.". No one company is "better" for each policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Grange and Idaho Farm Bureau offer me different rates?

Insurance carriers use many different factors when calculating the rates they charge. Variables such as age, your driving record, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Grange and Idaho Farm Bureau calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if Grange or Idaho Farm Bureau is right for me?

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