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

Quick Facts

• In general, Grange offers significantly more affordable prices than Metlife
• Grange offers cheaper average rates for drivers who have an at-fault accident on their record
• Metlife offers more discounts than Grange Insurance

Grange vs. Metlife: 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 big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Grange or Metlife, but which one will offer you less expensive prices?

As you can see, Metlife has average rates that are about 25% per month more expensive than those from Grange when looking at the national average rates for auto insurance.

Even so, that doesn't mean Grange will necessarily be cheaper than Metlife for every single driver. Insurance companies vary their rates depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a ton of other factors, so premiums will differ quite a bit from person to person.

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

Grange or Metlife: Average Car Insurance Rates by State

Grange and Metlife compete against each other in nine states, with Grange offering less expensive premiums to the average driver in all of them. Kentucky has the most noticable difference, where Grange prices are over 70% more affordable than auto insurance rates at Metlife.

But there's more to calculating car insurance prices than just where you call home. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. It's because young, inexperienced 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 auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Grange for their car insurance pay more than $400 less than those who use Metlife.

However, both carriers will reduce prices once you turn 25. For example, average premiums for Grange policyholders lower nearly 65% and Metlife's rates drop over 70% over that time.

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 most affordable prices you can find.

But who has the best premiums for retired drivers between Grange and Metlife? Grange gets the slight edge here, with average rates coming in at around $200 per month compared to Metlife's $205. That being said, the difference is only about 5%, so other variables will likely come into play when determining which carrier has the cheapest prices for you.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be cheaper for married policyholders than they are for single drivers. This usually boils down to married drivers having several cars on their policy -- something a lot of car insurance companies will reward with discounts.

When it comes to relationship status, Grange is the clear winner for those who are single, with rates around $143 a month more affordable than Metlife, on average. The advantage is also clear for married couples - Grange offers the most affordable average premiums.

Grange vs. Metlife: Average Rates by Gender

You may not know, but auto insurance is typically more expensive for men than for women. This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim.

Typically, men see rates more than $10 per month higher with Grange, and almost $30 with Metlife.

When it comes to the cheapest prices for each gender, Grange comes out as the lowest option for both genders, with average rates $99 less for men and $83 cheaper for women.

Grange or Metlife: 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 car insurance can be pretty complicated. There are lots of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability insurance, Grange generally offers less expensive prices of $185 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Grange again has the edge, with policies about $150 a month more affordable than Metlife, on average.

Is Grange or Metlife Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault accidents lead to higher premiums, but which company -- Grange or Metlife -- has the cheapest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their premiums to go up an average of $55 per month if they get a ticket, while Metlife usually raises prices around $59 a month, on average.

But Grange tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 18% and 16% less expensive, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Grange drivers who get in an accident can expect to see their prices rise by over 30%, while those who have insurance through Metlife will see about a 40% increase.

Overall, drivers who use Grange end up with the cheaper prices after an accident, with monthly rates averaging $266 compared to MetLife's $368.

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. For example, Metlife increases average prices by over $250 per month -- that's over a 55% increase.

How does Credit Score Impact Grange and Metlife Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for many policyholders.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the lowest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on your monthly premiums. Generally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Grange offers less expensive premiums than Metlife. Grange's average prices for drivers with 6,000 annual miles come in more than 25% cheaper than Metlife. Those who drive 12,000 miles annually can expect to pay over 25% less with Grange over Metlife.

Grange vs. Metlife: 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 heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Grange normally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Grange offers rates around $292 monthly compared to Metlife's $389. People who live in suburban ZIP codes can expect to pay about $235 a month for Grange and $333 for Metlife. Lastly, those in rural areas tend to get the cheapest prices from both carriers, with average monthly premiums coming in at $220 and $299 for Grange and Metlife respectively.

Grange vs. Metlife Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by Grange and Metlife so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Metlife blows Grange away when it comes to the sheer amount of discounts available, offering eight more discounts than Grange.

There are a couple discounts both companies offer, but Metlife also offers AAA discounts, academic discounts, combat auto-theft discounts, and more that Grange does not.

On the flip side, Grange has a couple unique discounts of its own -- advanced safety feature discounts, company car discounts, continuous insurance discounts, and more.

Final Thoughts: Is Grange or Metlife Best for You?

So, we've broken down the average prices for many of the factors 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 right fit for you?

Grange might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You're looking for more protection with "full coverage" auto insurance.
• You are over 65 years old and want to save some money on your insurance.

Metlife might be best for you if...

• You value the experience that comes with a large national auto insurance carrier.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Grange and Metlife. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Grange and Metlife. 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.

Grange vs. Metlife FAQs

Is Grange or Metlife cheaper?

Looking just at the national average premiums, Grange is the more affordable of the two companies, offering average rates of $249 per month compared to $340 for Metlife. However, Grange won't necessarily be the most affordable company for everyone, since there are many different variables that come into play when it comes to your car insurance bill.

Who is better, Grange or Metlife?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Grange and Metlife offer me different rates?

Car insurance carriers take a look at lots of different factors when calculating the rates they charge drivers. Variables such as your driving record, gender, where your home is, age, and sometimes even things like your credit score can all be used. Both Grange and Metlife calculate prices differently, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Grange or Metlife 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.