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

Quick Facts

• Looking at the national averages for auto insurance, National Mutual offers cheaper prices than Grange
• Grange tends to be a much less expensive option for drivers with a DUI charge on their record
• National Mutual has more affordable premiums for residents of urban areas

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering large 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 National Mutual as potential options, but between the two, which company will offer you less expensive prices?

Looking at nationwide averages, National Mutual has average rates that are about 19% per month more affordable than those from Grange.

Even so, that doesn't necessarily mean National Mutual will be the cheaper option for every driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things), so rates will differ quite a bit from person to person.

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

Grange or National Mutual: Average Car Insurance Rates by State

Grange and National Mutual only compete against each other in one states, with Grange offering more affordable rates to the average driver in all of them. Ohio has the most noticable difference, where Grange prices are over 60% cheaper than insurance premiums at National Mutual.

There are plenty of other factors that go into your auto insurance cost than just the state you live in. 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. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of nearly $75 less a month by choosing National Mutual over Grange.

However, both carriers will offer you dramatically lower prices once you turn 25. National Mutual offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Grange's average premiums reduce almost 65% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

When looking at Grange and National Mutual specifically, which company is best for retired drivers? National Mutual gets the edge, with premiums for drivers 65 and older $66 less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable auto insurance rates than single drivers. That's because policies for married couples usually cover several cars, which many companies will offer you a discount for.

When it comes to relationship status, National Mutual is the clear winner for single policyholders, with prices around $51 per month less expensive than Grange, on average. For married drivers, the advantage is clear again - National Mutual has the edge when it comes to average premiums.

Grange vs. National Mutual: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will generally end up paying a little more.

Men normally pay more than $10 a month more than women with Grange, and about $20 with National Mutual.

Looking at overall affordability, National Mutual offers the most affordable average rates for both men and women. On average, women save about $52 per month and men save around $43 with National Mutual compared to the average Grange policyholder.

Grange or National Mutual: 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 insurance can be a complicated subject for most people. There are multiple different coverages that account for lots 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 that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, National Mutual generally offers significantly cheaper prices of $94 compared to Grange's $185. When it comes to full coverage policies with similar limits, National Mutual again has the edge, with policies about $5 a month more affordable than Grange, on average.

Is Grange or National Mutual 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.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two carriers offers the lowest rates to drivers with less-than-perfect 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 National Mutual usually raises rates around $11 a month, on average.

That being said, National Mutual has cheaper prices for drivers in both categories -- their rates are around 27% less expensive for drivers with clean records and 40% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Grange can expect to see about an $86 -- or around 32% -- increase in their auto insurance premiums. Drivers who use National Mutual for their car insurance will see a monthly bill about $76 (or 37%) more expensive after reporting an accident to their auto insurance carrier.

Overall, drivers who use National Mutual end up with the cheaper prices after an accident, with monthly prices averaging $207 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 car insurance bill. National Mutual drivers usually see a 60% climb in their insurance premiums after a DUI charge, while Grange will typically increase rates by around 43%.

If you have a DUI on your record and are looking for more affordable premiums, Grange tends to be the much less expensive option with average rates of $314 a month compared to $325 from National Mutual.

How does Credit Score Impact Grange and National Mutual Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly auto insurance prices. This isn't always the case (for example, are two states that ban the practice entirely), but it will come into play for lots of drivers.

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

Looking specifically at Grange and National Mutual, which one 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 National Mutual. Drivers with "excellent" credit can save just under 35% compared to Grange, and those with "good" scores can also expect to see savings -- about $62 or 28% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

National Mutual typically offers lower prices than Grange when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $31 per month less with National Mutual compared to Grange, and those with "poor" scores usually save an average of about $46 per month.

Is Grange or National Mutual 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 sizable impact on your monthly rates? That's because the more miles you put on your vehicle, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much National Mutual charges. However, there's a small difference in monthly premiums for Grange, with drivers who put 6,000 miles on their car yearly paying around $2 less every month compared to those who drive 12,000 miles each year. Still, National Mutual is the less expensive option for drivers in both categories.

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

Where your home is can have a considerable impact on your monthly car insurance payment. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, National Mutual typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, National Mutual offers rates about $214 monthly compared to Grange's $292. People who live in suburban ZIP codes can expect to pay around $201 a month for National Mutual and $235 for Grange. Lastly, those in rural areas tend to get the cheapest prices from both companies, with average monthly rates coming in at $189 and $220 for National Mutual and Grange respectively.

Grange vs. National Mutual Discounts

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

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

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

Grange blows National Mutual away when it comes to the sheer amount of discounts available, offering nine more discounts than National Mutual.

Both carriers offer lots of the same discounts -- like continuous insurance discounts, discounts for getting driver training, discounts for being a good student, and paid in full discounts -- but Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that National Mutual does not.

On the flip side, National Mutual has a couple unique discounts of its own -- advance quote discounts, claim free discounts, education discounts, and more.

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

You've seen the role certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which carrier is the best fit for you?

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

• You want to save money on your insurance after an accident.
• Your neighborhood is in a city.
• You are over 65 years old and want to save some money on your auto insurance.

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 better idea of the difference between Grange and National Mutual. 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 best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Grange and National Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Grange vs. National Mutual FAQs

Is Grange or National Mutual cheaper?

Looking just at the national average prices, National Mutual is the cheaper of the two carriers, offering average rates of $201 per month compared to $249 for Grange. However, National Mutual won't necessarily be the lowest carrier for every driver, since there are several different factors that are considered when it comes to your car insurance bill.

Who is better, Grange or National Mutual?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for each driver -- it all depends on the makeup of your unique insurance profile. For example, Grange offers more affordable premiums for drivers with a recent DUI, while National Mutual is cheaper for drivers with excellent credit.

Why do Grange and National Mutual offer me different rates?

Auto insurance companies take a look at a lot of different variables when calculating the prices they charge drivers. Factors like your driving record, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be taken into consideration. Both Grange and National Mutual use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Grange or National Mutual 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 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 insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Grange or National Mutual 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.