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

Quick Facts

• Based on national averages for car insurance, Integon National offers less expensive rates than Grange
• Grange has cheaper premiums for policyholders whose driving record contains an at-fault collision
• Integon National offers more affordable rates for policyholders who drive fewer than 12,000 miles yearly

Grange or Integon National: 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 Grange or Integon National for your next policy, but which carrier will save you the most?

As you can see, Grange has average rates that are around 12% a month more expensive than those from Integon National when looking at the national average rates for auto insurance.

That being said, that doesn't necessarily mean Integon National will be the less expensive option for each driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things). So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

So, if you want to find out which of Grange or Integon National is really the best for you, keep reading to see average premiums for each company broken down by a bunch of different rate factors.

Grange vs. Integon National: Average Car Insurance Rates by State

Grange and Integon National only compete against each other in two states, with Integon National offering cheaper prices to the average driver in all of them. If you live in Washington, Grange is the more affordable of the two companies when looking at the overall average rates. Integon National is the cheaper option in California.

That being said, there are plenty of other factors that go into your insurance cost than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

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

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of 1% less per month by choosing Integon National over Grange.

However, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Grange policyholders reduce almost 65% and Integon National's prices drop nearly 70% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Integon National gets the edge, with rates for drivers 65 and older about 15% less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married policyholders. This usually boils down to married drivers having more than one vehicle on their policy -- something lots of insurance companies will reward with discounts.

For single policyholders, the difference in average rates between these two carriers is not very significant, with Integon National prices coming in at around 10% less than Grange's. The advantage for married couples is more obvious, where drivers who use Integon National save about $40 a month.

Grange or Integon National: Average Rates by Gender

Men normally pay more for auto insurance than women. That's because women are less likely to get speeding tickets and get into collisions, which decreases the chances of filing a claim with insurance.

With Grange, women usually pay around $10 per month less than men, but with Integon National, the difference is closer to $18 a month.

Looking at the data for each company specifically, Integon National offers the cheapest average premiums for both men and women. On average, male drivers save about $28 per month and women save about $34 with Integon National compared to the average Grange policyholder.

Grange vs. Integon National: 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. There are several different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability limits, Integon National has the significant edge, with average monthly prices coming in at $128. If you want a full coverage policy with the same state minimum limits, Integon National again has the edge, with policies averaging around $308 a month to Grange's $313.

Is Grange or Integon National Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 at-fault collisions and speeding tickets on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Grange for their car insurance can typically expect their monthly bill to go up about 23% after getting a speeding ticket. Integon National policyholders can expect a bit more drastic of an increase of around 35%.

Even so, Integon National is generally the more affordable option for drivers both with clean records and with a ticket, offering prices that are $35 and $12 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 rise by over $85, while those who have insurance through Integon National will see about a $150 increase.

At the end of the day, Grange offers the lowest rates for drivers with an at-fault accident on their records, with average prices coming in at $266 compared to Integon National Insurance Company's $300.

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 auto insurance bill. Grange drivers usually see a 43% climb in their car insurance premiums after a DUI charge, while Integon National will normally raise rates by around 29%.

But if you end up with a DUI charge and are looking for more affordable premiums, Integon National tends to be cheaper for the average driver, with monthly premiums coming in at about $204 to Grange's $314.

How does Credit Score Impact Grange and Integon National Rates?

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect many policyholders out there.

The reasoning auto 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 more affordable rates.

Looking specifically at Grange and Integon National, which one has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Grange will generally reward you the most for an "excellent" credit score. For drivers with "excellent" credit scores, Grange comes in 4% cheaper. Drivers with "good" credit scores normally save around 4% with Integon National compared to average rates from Grange.

Which Company is Best for Drivers with Bad Credit?

Integon National typically offers lower premiums than Grange when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 8% per month less with Integon National compared to Grange, and those with "poor" scores usually save an average of around 24% monthly.

Is Grange or Integon National 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 rates? That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Integon National tends to be the less expensive option. Integon National average prices for drivers with 6,000 annual miles come in more than $30 more affordable than Grange. Those who drive 12,000 miles every year can expect to pay over $30 less with Integon National over Grange.

Grange or Integon National: 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 insurance, but the type of area you live in can have a substantial impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the road where they live, which decreases the chances of an accident.

Looking at these carriers side-by-side, Integon National generally comes out as the less expensive option for drivers in rural and urban areas, while Grange wins in suburban areas.

For drivers in urban ZIP codes, Integon National Insurance Company's average rates are about 24% less than Grange Insurance. People who live in suburban areas pay around 8% less with Grange compared to Integon National. Those in rural areas can expect to save about 20% with Integon National compared to Grange.

Grange vs. Integon National Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

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

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

Grange knocks Integon National out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Integon National's 18.

A couple of those are overlapping for things like agency transfer discounts, discounts for being a defensive driver, discounts for being a good driver, and mature driver discounts. Grange also offers discounts for advanced safety feature, annual mileage, company car, and more.

On the other hand, Integon National has a few proprietary discounts of their own for things like advance quote discounts, DRL discounts, drug and alcohol awareness discounts, and more.

Final Thoughts: Is Grange or Integon National Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is Grange or Integon National the right company for you, your vehicle, and your wallet?

Integon National might be best for you if....

• You will be the only person on the car insurance policy.
• Your neighborhood is in a city.
• You're of retirement age and want to take advantage of lower rates.

Grange might be best for you if...

• You have an at-fault accident on your record.
• You care about discounts (Grange offers the most).
• Your home is located in the suburbs.

Hopefully, this guide helps you get a better idea of the difference between Grange and Integon National and that you can now make a more informed decision when it comes to 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 several companies, not just Grange and Integon National. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Grange vs. Integon National FAQs

Is Grange or Integon National cheaper?

Integon National is the more affordable of the two companies when looking at national average prices, with policies averaging $218 a month with Integon National and $249 for Grange. That being said, that doesn't mean Integon National will be the lowest company for each policyholder, since there are a range of different factors that come into play when it comes to your auto insurance bill.

Who is better, Grange or Integon National?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, Integon National is cheaper for drivers who have less-than-stellar credit scores, while Grange offers more affordable premiums for policyholders with an at-fault collision on their record.

Why do Grange and Integon National offer me different rates?

Car insurance carriers use several different variables when calculating the prices they charge. Things such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all come into play. Both Grange and Integon National calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Grange or Integon National is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car 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 Integon National 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.