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

Quick Facts

• Based on national averages for car insurance, Grange offers slightly less expensive premiums than Motorists
• Grange offers more affordable rates for policyholders who have a short commute
• Motorists has more affordable premiums for drivers who have received a ticket within the last few years

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Grange or Motorists as your top options, but between the two, which carrier has cheaper prices for auto insurance?

Looking at the national average rates for both companies, Grange is about $2 per month more affordable than Motorists.

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

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

Grange or Motorists: Average Car Insurance Rates by State

Grange and Motorists only compete against each other in two states, with Grange offering cheaper rates to the average driver in all of them. Ohio has the most noticable difference, where Grange premiums are over 30% less expensive than car insurance rates at Motorists.

But there's more to calculating insurance prices than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto 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.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing Motorists over Grange.

That being said, both companies will offer you dramatically lower rates by the time you turn 25. For example, average prices for Grange policyholders drop almost 65% and Motorists's premiums decrease nearly 45% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable insurance rates you'll ever find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase prices.

So, which company offers the best premiums to retired drivers? Grange gets the slight edge here, with average prices coming in at around $200 a month compared to Motorists's $219.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually cheaper for married couples than they are for single drivers? That's typically because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, the two carriers are comparable for single policyholders, with rates only differing about $17 per month, on average. The advantage for married drivers is more obvious, where drivers who use Grange save more than $25 a month.

Grange vs. Motorists: Average Rates by Gender

Because men are more likely to get speeding tickets and get into collisions, they raise the chances of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

Women normally pay around 5% per month less than men with Grange, and about 5% less with Motorists when compared to their male counterparts.

When it comes to the cheapest premiums for each gender, Grange comes out on top for both men and women. On average, male drivers save about $2 a month and women save around $2 with Grange compared to the average Motorists policyholder.

Grange or Motorists: 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.

Car 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.

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 an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

In this case, Motorists offers the most affordable average prices for state minimum liability insurance, while Grange has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $60 with Motorists Insurance Group, while full coverage comes out to be about $65 more affordable with Grange Insurance.

Is Grange or Motorists Better for Drivers with Spotty Records?

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

Collisions and tickets will most likely raise your rates, but is Grange or Motorists cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their prices to go up an average of $55 per month if they get a ticket, while Motorists generally raises premiums around $18 a month, on average.

However, Motorists has less expensive rates for drivers in both categories -- their rates are around 6% more affordable for drivers with clean records and 20% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Grange policyholders who get in a collision can expect to see their prices climb by over 30%, while those who have insurance through Motorists will see about a 20% increase.

Overall, the less expensive premiums come from Motorists, with monthly rates averaging $206 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 speeding ticket or even an accident. On average, Motorists will increase your premiums around 62% after a DUI, while Grange's average prices rise by just under 45%.

If you have a DUI on your record and are looking for more affordable rates, Grange tends to be the much more affordable option with average prices of $314 monthly compared to $442 from Motorists.

How does Credit Score Impact Grange and Motorists Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for a lot of drivers.

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

So, which carrier offers the best premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Motorists. Drivers with "excellent" credit can save nearly 20% compared to Grange, and those with "good" scores can also expect to see savings -- about $38 or 17% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

If you have bad 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 $21 less with Motorists than Grange, but those whose credit is considered "poor" have it flipped -- saving about $86 per month with Grange.

Is Grange or Motorists 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 how much insurance carriers will charge for coverage? Usually, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into a collision and causing an insurance claim.

Looking specifically at Grange and Motorists, Motorists is the more affordable option for people who work from home, while Motorists has better premiums for those with short commutes. Grange average rates for drivers with 6,000 annual miles come in around $2 more expensive than Motorists. Those who drive 12,000 miles yearly can expect to pay about $6 more with Motorists over Grange.

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

Where you call home can have a substantial impact on your monthly car insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads in those areas.

Looking at these companies side-by-side, Motorists typically comes out as the less expensive option for drivers in urban and suburban areas, while Grange wins in rural areas.

In urban areas, Motorists Insurance Group's average rates are around $6 less than Grange Insurance. Drivers in suburban ZIP codes pay about $20 less with Motorists compared to Grange. If you live in a rural area, you can expect to save around $32 with Grange compared to Motorists.

Grange vs. Motorists Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

In the section below, we've taken a look at all of the different discounts Grange and Motorists offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Grange blows Motorists away when it comes to the sheer amount of discounts available, offering 14 more discounts than Motorists.

A couple of those are overlapping for things like discounts for being a defensive driver, hybrid vehicle discounts, and paid in full discounts. Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that Motorists does not.

On the flip side, Motorists has a couple unique discounts of its own -- advance quote discounts, empty nester discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Grange or Motorists 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. But, when it comes down to it, which insurance company is the best fit for you?

Motorists might be best for you if....

• You've been pulled over for speeding recently.
• You've started working from home and don't have much of a commute.

Grange might be best for you if...

• You have a DUI charge on your record.
• You are over 65 years old and want to save some money on your insurance.
• You have a short commute.

We hope this guide has ben a valuable resource as you compare Grange and Motorists. We also hope we've given you the information you need to make the best decision about your auto 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 car insurance -- comparing quotes from several companies, not just Grange and Motorists. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Grange vs. Motorists FAQs

Is Grange or Motorists cheaper?

Looking just at the national average premiums, Grange is the more affordable of the two companies, offering average rates of $249 a month compared to $251 for Motorists. Even so, Grange won't necessarily be the cheapest carrier for each policyholder, since there are lots of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Motorists?

Sadly, the real answer is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Grange offers cheaper prices for drivers with a recent DUI, while Motorists is more affordable for drivers with excellent credit.

Why do Grange and Motorists offer me different rates?

Car insurance carriers take a look at several different factors when calculating the premiums they charge drivers. Variables such as your driving record, age, where you live, gender, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Motorists calculate rates using different factors, 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 a range of different companies.

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

The only way to find the 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 area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Grange or Motorists 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.