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

Quick Facts

• Based on national averages for car insurance, Grange offers significantly less expensive prices than Michigan
• Grange has cheaper rates for people who are single and purchasing auto insurance by yourself
• Grange tends to be a much more affordable option for residents of suburban areas

Grange vs. Michigan: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Grange or Michigan for your next policy, but which one has less expensive prices for insurance?

Looking at nationwide averages, Grange has average rates that are about 50% per month cheaper than those from Michigan.

Even so, Grange may not be the lowest or best option for each driver out there. Car insurance companies use a variety of complex algorithms to calculate rates, so depending on how clean your driving record is or where you live (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Grange and Michigan by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Grange or Michigan: Average Car Insurance Rates by State

Grange and Michigan only compete against each other in Michigan, where Michigan offers the cheaper average premiums. For Michigan residents, Michigan offers auto insurance for $480 monthly on average. Grange's average rates come out to be over 40% more expensive, at $695 per month.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group on the road. Generally, that'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 insurance. As you can see above, teens who use Grange save more than $500 a month compared to those who use Michigan.

But with both carriers, you'll see your prices drop significantly by the time you turn 25. For example, average rates for Grange policyholders decrease nearly 65% and Michigan's premiums reduce over 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable car insurance prices out there. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase rates.

When looking at Grange and Michigan specifically, which company is best for retired drivers? Grange gets the edge, with premiums for drivers 65 and older almost 40% more affordable than the national average for Michigan.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper auto insurance rates than those who are single. That's normally because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Grange is the clear winner for single drivers, with premiums around $292 per month more affordable than Michigan, on average. For married policyholders, the advantage is clear again - Grange has the edge when it comes to average prices.

Grange vs. Michigan: Average Rates by Gender

Because men are more likely to get speeding tickets and get into collisions, they run a larger risk of filing a claim with insurance. Therefore, men generally pay more for insurance than women.

Typically, women see premiums about 5% a month less with Grange; men and women end up paying the same monthly prices with Michigan.

Looking at overall affordability, Grange offers the cheapest average rates for both men and women, with average premiums 47% less for men and 49% cheaper for women.

Grange or Michigan: 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 limits and coverages that it can make it pretty confusing to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability insurance, Grange typically offers significantly less expensive prices of $185 compared to Michigan's $312. When it comes to full coverage policies with similar limits, Grange again has the edge, with policies around $350 per month more affordable than Michigan, on average.

Is Grange or Michigan Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 collisions lead to higher rates, but which carrier -- Grange or Michigan -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their rates to go up an average of $55 a month if they get a ticket, while Michigan usually raises prices about $205 per month, on average.

That being said, Grange tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save around $101 a month and drivers with a ticket can save about $251 per month with Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange drivers who get in a collision can expect to see their premiums climb by over 30%, while those who have insurance through Michigan will see around a 35% increase.

Overall, Grange offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $266 compared to Michigan Insurance Company's $431.

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 insurance bill. For example, Michigan increases average premiums by just under $450 a month -- that's over a 60% increase.

If you have a DUI on your record and are looking for more affordable prices, Grange tends to be the much less expensive option with average rates of $314 a month compared to $723 from Michigan.

How does Credit Score Impact Grange and Michigan Rates?

Did you know that many car insurance companies take into account your credit score when calculating premiums? This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect several policyholders out there.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

Michigan is one of a few states that restricts insurance companies from using credit scores to determine rates. And since Michigan is only available in Michigan, there is no data available on how credit score impacts premiums because it's not a factor at all. This may be a good thing, since Grange and other carriers tend to raise prices quite a bit in other states if you don't have excellent credit.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit and live in Michigan, the good news is it won't cost you extra when it comes to car insurance. As you can see, poor credit can really cost Grange drivers in other states, but no need to worry if you live in Michigan.

Is Grange or Michigan 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 big impact on how much auto insurance companies will charge for coverage? Generally, the more miles you put on your vehicle each year, the more you can expect to pay for car insurance.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Grange offers cheaper rates than Michigan. Grange average prices for drivers with 6,000 annual miles come in over $200 more affordable than Michigan. Those who drive 12,000 miles yearly can expect to pay more than $250 less with Grange over Michigan.

Grange vs. Michigan: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Grange boasts the most affordable average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both carriers, but Grange comes out on top with average premiums about $220 monthly. Grange also has less expensive average rates for drivers in urban and suburban ZIP codes -- a 41% and 52% per month respective difference when compared to Michigan policyholders in similar areas.

Grange vs. Michigan Discounts

Regardless of why you might be in the market for a new 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 auto insurance discounts as you can.

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.

In the table below, we've compared all of the different discounts offered by Grange and Michigan 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 Michigan away when it comes to the sheer amount of discounts available, offering 11 more discounts than Michigan.

Both companies offer quite a few of the same discounts -- like anti-theft 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 Michigan does not.

On the flip side, Michigan has a couple unique discounts of its own -- advance quote discounts, family car discounts, family discounts, and more.

Final Thoughts: Is Grange or Michigan Best for You?

You've seen the role certain factors have on your insurance and the different discounts carriers offer. But, at the end of the day, is Grange or Michigan the right carrier for you and your specific profile and needs?

Grange might be best for you if....

• You have below-average credit.
• Your home is in a busy urban area.
• You have a short drive to work everyday.

Michigan might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Grange and Michigan. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Grange and Michigan. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Grange vs. Michigan FAQs

Is Grange or Michigan cheaper?

Looking just at the national average prices, Grange is the cheaper of the two companies, offering average rates of $249 a month compared to $480 for Michigan. However, Grange won't necessarily be the cheapest carrier for every policyholder, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Michigan?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for each driver -- it all comes down to what your unique car insurance profile looks like.

Why do Grange and Michigan offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the rates they charge drivers. Things such as 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 Michigan use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance company 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 do all the hard work for you. Just enter your ZIP code 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 cheapest premium. And who knows, the best carrier for you might not be Grange or Michigan 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.