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

Quick Facts

• Based on national averages for insurance, Kentucky Farm Bureau offers more affordable rates than Grange
• Grange has cheaper prices for drivers with a DUI charge on their record
• Kentucky Farm Bureau offers less expensive average premiums for residents of rural areas

Grange vs. Kentucky Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed it down to Grange or Kentucky Farm Bureau for your next policy, but which carrier will save you the most?

Looking at nationwide averages, Grange has average rates that are about 19% per month more expensive than those from Kentucky Farm Bureau.

However, Kentucky Farm Bureau may not be the cheapest or best option for each driver out there. Auto insurance companies use a variety of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among a lot of other factors), you could see wildly different prices from the ones above.

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

Grange or Kentucky Farm Bureau: Average Car Insurance Rates by State

Grange and Kentucky Farm Bureau only compete against each other in Kentucky, where Kentucky Farm Bureau offers the cheaper average rates. For Kentucky residents, Kentucky Farm Bureau offers car insurance for $201 a month on average. Grange's average prices come out to be over 20% more expensive, at $260 per month.

There are plenty of other factors that go into your insurance payment than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. It's because 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.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of nearly $100 less a month by choosing Kentucky Farm Bureau over Grange.

But with both carriers, you'll see your premiums lower significantly by the time drivers turn 25. Kentucky Farm Bureau offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Grange's average rates decrease almost 65% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

So, which company offers the best premiums to retired drivers? Kentucky Farm Bureau gets the edge, with prices for drivers 65 and older $62 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance rates than those who are single. This usually boils down to married policyholders having more than one car on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Kentucky Farm Bureau is the clear winner for single drivers, with prices around $54 per month less expensive than Grange, on average. The advantage is also clear for married drivers - Kentucky Farm Bureau offers the most affordable average premiums.

Grange vs. Kentucky Farm Bureau: Average Rates by Gender

Women tend to pay less for insurance than men. This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim.

Generally, men see rates more than $10 a month higher with Grange, and about $15 more with Kentucky Farm Bureau.

Looking at overall affordability, Kentucky Farm Bureau comes out as the lowest option for both genders. On average, male drivers save about $47 per month and women save around $50 with Kentucky Farm Bureau compared to the average Grange policyholder.

Grange or Kentucky 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.

Auto insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Kentucky Farm Bureau generally offers significantly more affordable prices of $120 compared to Grange's $185. When it comes to full coverage policies with similar limits, Kentucky Farm Bureau again has the edge, with policies about $30 a month cheaper than Grange, on average.

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

You've probably seen plenty of commercials from car insurance carriers offering great rates 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 accidents and tickets lead to higher premiums, but which carrier -- Grange or Kentucky Farm Bureau -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Kentucky Farm Bureau insurance policies don't report seeing their rates increase after getting a ticket, but Grange policyholders can expect to see their monthly bill increase by around a quarter.

But Kentucky Farm Bureau tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 19% less expensive for drivers with clean records and 38% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Grange climbing by over $85. Kentucky Farm Bureau has a less extreme climb, but you can still expect to pay just under $10 more than you were prior to your first collision.

Overall, drivers who use Kentucky Farm Bureau end up with the cheaper prices after an accident, with monthly rates averaging $154 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 accident or speeding ticket when it comes to your auto insurance bill. For example, Kentucky Farm Bureau increases average premiums by more than $200 per month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable prices, Grange tends to be the much cheaper option with average premiums of $314 monthly compared to $359 from Kentucky Farm Bureau.

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

Did you know that many insurance carriers take your credit score into account when calculating rates? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect a lot of policyholders out there.

Car 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 prices.

Looking specifically at Kentucky Farm Bureau and Grange, which company has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Kentucky Farm Bureau. Drivers with "excellent" credit can save nearly 50% compared to Grange, and those with "good" scores can also expect to see savings -- about $96 or 43% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around $67 less with Kentucky Farm Bureau than Grange, but those whose credit is considered "poor" have it flipped -- saving about $48 a month with Grange.

Is Grange or Kentucky 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 your monthly prices. Typically, the more miles you put on your vehicle, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Kentucky Farm Bureau offers cheaper premiums than Grange. Kentucky Farm Bureau's average rates for drivers with 6,000 annual miles come in around 21% less expensive than Grange. Those who drive 12,000 miles annually can expect to pay about 18% less with Kentucky Farm Bureau over Grange.

Grange vs. Kentucky Farm Bureau: 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. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the roads in those areas.

Kentucky Farm Bureau tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Kentucky Farm Bureau's average prices are around 21% less than Grange Insurance. Drivers in suburban ZIP codes pay about 29% less with Kentucky Farm Bureau compared to Grange. If you live in a rural area, you can expect to save around 8% with Kentucky Farm Bureau compared to Grange.

Grange vs. Kentucky Farm Bureau Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

The difficult 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.

In the table below, we've broken down all of the different discounts offered by both Grange and Kentucky Farm Bureau so that you can find the one that has the most discounts and, therefore, the biggest savings.

Grange knocks Kentucky Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Kentucky Farm Bureau's 11.

Both carriers offer many of the same discounts -- like ABS discounts, discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts -- but Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that Kentucky Farm Bureau does not.

On the flip side, Kentucky Farm Bureau has a couple unique discounts of its own -- school bus driver discounts and umbrella policy discounts.

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

You've seen the effect certain variables have on your insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Grange or Kentucky Farm Bureau the best carrier for you, your vehicle, and your wallet?

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

• You haven't received any speeding tickets or been in a collision in the last few years.
• You want basic car insurance coverage at the state minimum limits.
• You and your spouse are buying auto insurance together.

Grange might be best for you if...

• You have a DUI charge on your record.
• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Grange and Kentucky Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your 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 multiple carriers, not just Grange and Kentucky Farm Bureau. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Grange vs. Kentucky Farm Bureau FAQs

Is Grange or Kentucky Farm Bureau cheaper?

Looking just at the national average premiums, Kentucky Farm Bureau is the more affordable of the two carriers, offering average rates of $201 per month compared to $249 for Grange. However, Kentucky Farm Bureau won't necessarily be the most affordable carrier for every driver, since there are a variety of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Kentucky Farm Bureau?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for each driver -- it all depends on what your unique car insurance profile looks like. For example, Kentucky Farm Bureau offers less expensive rates for policyholders with an at-fault collision on their record, while Grange is cheaper for drivers who have less-than-stellar credit scores.

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

Auto insurance companies take a look at lots of different variables when determining the prices they charge drivers. Factors like gender, age, where your home is, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Kentucky Farm Bureau calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from several companies 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 free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Grange or Kentucky Farm Bureau 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.