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

Quick Facts

• Based on national averages for auto insurance, Nationwide offers significantly less expensive rates than Grange
• Grange may help you save more money -- they offer more discounts than Nationwide
• Nationwide tends to be a much more affordable option for policyholders who are looking to purchase insurance with a spouse

Grange or Nationwide: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might be considering Grange or Nationwide as your top options, but which one has cheaper premiums for insurance?

As you can see, Grange has average rates that are around 30% a month more expensive than those from Nationwide when looking at the national average rates for car insurance.

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

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

Grange vs. Nationwide: Average Car Insurance Rates by State

Grange and Nationwide compete against each other in six states, with Grange offering cheaper rates to the average driver in all of them. California has the most noticable difference, where Grange prices are $82 more affordable than insurance rates at Nationwide.

That being said, there are plenty of other factors that go into your car insurance cost than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. That's because teen 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 insurance premiums. As you can see above, teens who use Nationwide save over 30% per month compared to those who use Grange.

Even so, with both companies, you'll see your prices decrease significantly by the time drivers turn 25. Nationwide offers the steepest drop, 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 auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever find.

When looking at Grange and Nationwide specifically, which carrier is best for retired drivers? Nationwide gets the edge, with prices for drivers 65 and older nearly 40% cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance rates than married policyholders. This usually boils down to married couples having several vehicles on their policy -- something a lot of insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is significant, with Nationwide rates coming in at a third less than Grange's. The advantage is also clear for married drivers - Nationwide offers the most affordable average premiums.

Grange or Nationwide: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will typically end up paying a little more.

With Grange, women usually pay about $10 a month less than men, but with Nationwide, the difference is closer to $12 per month.

Looking at overall affordability, Nationwide comes out as the lowest option for both genders, with average prices 31% less for men and 33% cheaper for women.

Grange vs. Nationwide: 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 auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Nationwide has the significant edge, with average monthly premiums coming in at $112. If you want a full coverage policy with the same state minimum limits, Nationwide again has the edge, with policies averaging around $229 a month to Grange's $313.

Is Grange or Nationwide Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Grange for their car insurance can normally expect their monthly bill to go up about 23% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of around 16%.

However, Nationwide has more affordable premiums for drivers in both categories, offering rates that are 31% and 37% less expensive, respectively, compared to Grange Insurance.

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% -- rise in their car insurance prices. Drivers who use Nationwide for their auto insurance will see a monthly bill about $53 (or 30%) more expensive after reporting an accident to their car insurance company.

At the end of the day, drivers who use Nationwide end up with the cheaper prices after an accident, with average rates coming in at $178 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 ticket or even a collision. On average, Grange will increase your prices around 43% after a DUI, while Nationwide's average premiums rise by more than 45%.

How does Credit Score Impact Grange and Nationwide Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few drivers.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Grange and Nationwide specifically, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on your monthly insurance bill. Generally, the more milage you drive, the more you can expect to pay for coverage.

Nationwide tends to be the more affordable option for both remote workers and those taking short commutes. Nationwide average premiums for drivers with 6,000 annual miles come in nearly $80 less expensive than Grange. Those who drive 12,000 miles yearly can expect to pay just under $80 less with Nationwide over Grange.

Grange or Nationwide: 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 auto insurance, but the type of area you live in can have a sizable impact as well. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads where they live.

Nationwide tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Nationwide's average premiums are about $199 while Grange offers prices around $292. People in suburban areas pay about $159 with Nationwide compared to Grange's $235 monthly. If you live in a rural area, you can expect to pay around $151 a month with Nationwide and $220 with Grange.

Grange vs. Nationwide Discounts

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

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Grange and Nationwide so that you can see which carrier can save you the most money each month.

Grange knocks Nationwide out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Nationwide's 22.

There are a couple discounts both carriers offer, but Grange also offers discounts for ABS, advanced safety feature, annual mileage, and more.

On the other hand, Nationwide has a few proprietary discounts of their own for things like advance quote discounts, EFT discounts, homeowner discounts, and more.

Final Thoughts: Is Grange or Nationwide Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the right one for you and your specific profile and needs?

Nationwide might be best for you if....

• You have an at-fault collision on your record.
• Your home is located in the suburbs.
• You want to save money while purchasing auto insurance for a teenager.

Grange might be best for you if...

• You care about discounts (Grange offers the most).

Hopefully, this guide has ben a valuable resource as you compare Grange and Nationwide and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Grange and Nationwide. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Grange vs. Nationwide FAQs

Is Grange or Nationwide cheaper?

Nationwide is the cheaper of the two carriers when looking at national average rates, with policies averaging $170 per month with Nationwide and $249 for Grange. But that doesn't mean Nationwide will be the cheapest carrier for each policyholder, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Nationwide?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Grange and Nationwide offer me different rates?

Auto insurance companies use lots of different variables when determining the premiums they charge. Things such as gender, where your home is, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Nationwide use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Grange or Nationwide at all, but another you hadn't even thought of!

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.