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

Quick Facts

• In general, Ohio Mutual offers significantly more affordable premiums than Grange
• Grange offers more discounts than Ohio Mutual Insurance Company
• Ohio Mutual offers more affordable prices for drivers who have received a ticket within the last few years

Grange vs. Ohio 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 huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Grange or Ohio Mutual for your next policy, but which carrier will save you the most?

As you can see, Grange has average rates that are about 40% per month more expensive than those from Ohio Mutual when looking at the national average rates for auto insurance.

But that doesn't mean Ohio Mutual will necessarily be less expensive than Grange for every driver. Car insurance companies vary their rates depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a ton of other factors, so premiums could vary drastically from person to person.

Wanting to know if Grange or Ohio Mutual 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 Ohio Mutual: Average Car Insurance Rates by State

Grange and Ohio Mutual only compete against each other in Ohio, where Grange offers the cheaper average premiums. For Ohio residents, Grange offers insurance for $96 per month on average. Ohio Mutual's average rates come out to be over 50% more expensive, at $152 a month.

That being said, there's a lot more that goes into your car insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of more than $250 less a month by choosing Ohio Mutual over Grange.

However, both carriers will reduce rates once you turn 25. For example, average premiums for Grange policyholders decrease nearly 65% and Ohio Mutual's rates lower around 50% over that time.

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 premiums you'll ever find.

But who has the best prices for retired drivers between Grange and Ohio Mutual? Ohio Mutual gets the edge here, with average premiums coming in at about $114 monthly compared to Grange's $200.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are normally more expensive for single drivers than they are for married policyholders? This usually boils down to married drivers having several cars on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, Ohio Mutual is the clear winner for those who are single, with rates around $119 per month cheaper than Grange, on average. For married couples, the advantage is clear again - Ohio Mutual has the edge when it comes to average prices.

Grange vs. Ohio Mutual: 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 insurance men will generally end up paying a little more.

Women usually pay about 5% a month less than men with Grange, while with Ohio Mutual, the difference is closer to 5% per month.

When it comes to the most affordable rates for each gender, Ohio Mutual offers the cheapest average premiums for both men and women, with average rates 39% less for men and 39% cheaper for women.

Grange or Ohio 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.

For most people, car insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

Even so, 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 if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Ohio Mutual generally offers significantly less expensive premiums of $74 compared to Grange's $185. When it comes to full coverage policies with similar limits, Ohio Mutual again has the edge, with policies around $85 a month more affordable than Grange, on average.

Is Grange or Ohio Mutual 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.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their rates to go up an average of $55 per month if they get a ticket, while Ohio Mutual typically raises premiums about $21 a month, on average.

But Ohio Mutual is usually the cheaper option for drivers both with clean records and with a speeding ticket, offering prices that are $96 and $130 less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

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

Overall, Ohio Mutual offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $125 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than an accident or ticket. On average, Ohio Mutual will increase your rates about 71% after a DUI, while Grange's average prices increase by just under 45%.

If you have a DUI on your record and are looking for more affordable premiums, Ohio Mutual tends to be the much more affordable option with average rates of $293 per month compared to $314 from Grange.

How does Credit Score Impact Grange and Ohio Mutual Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly auto insurance premiums. Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for quite a few policyholders.

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

So, which company offers the lowest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Ohio Mutual. Policyholders with "excellent" credit can save nearly 50% compared to Grange, and those with "good" scores can also expect to see savings -- around $99 or 44% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Ohio Mutual typically offers lower rates than Grange when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $99 per month less with Ohio Mutual compared to Grange, and those with "poor" scores usually save an average of around $111 monthly.

Is Grange or Ohio 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 auto insurance bill? That's because the more miles you drive, 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 Ohio Mutual charges. However, there's a small difference in monthly prices for Grange, with drivers who put 6,000 miles on their car yearly paying about $2 less each month compared to those who drive 12,000 miles every year. Still, Ohio Mutual is the more affordable option for drivers in both categories.

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

Where you park your vehicle can play a pretty big role in how much you pay for insurance. Typically, those who live in urban areas will pay more than drivers in rural areas because of the number of cars that are on the roads in those areas.

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

For policyholders in urban ZIP codes, Ohio Mutual offers premiums around $155 a month compared to Grange's $292. People who live in suburban ZIP codes can expect to pay about $153 a month for Ohio Mutual and $235 for Grange. Lastly, those in rural areas tend to get the lowest prices from both carriers, with average monthly rates coming in at $147 and $220 for Ohio Mutual and Grange respectively.

Grange vs. Ohio 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 auto insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

In the table below, we've taken a look at all of the different discounts Grange and Ohio Mutual offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Grange knocks Ohio Mutual out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Ohio Mutual's 17.

There are a couple discounts both companies offer, but Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that Ohio Mutual does not.

On the flip side, Ohio Mutual has a couple unique discounts of its own -- advance quote discounts, attentive driver discounts, paperless discounts, and more.

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

So, you've seen how different variables can affect your insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the best carrier for you, your vehicle, and your wallet?

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

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• You've started working from home and don't have much of a commute.

Grange might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Grange and Ohio Mutual. We also hope we've given you the information you need to make the best decision about your 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 auto insurance -- comparing quotes from several carriers, not just Grange and Ohio Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Grange vs. Ohio Mutual FAQs

Is Grange or Ohio Mutual cheaper?

Looking just at the national average prices, Ohio Mutual is the less expensive of the two carriers, offering average rates of $152 per month compared to $249 for Grange. However, Ohio Mutual won't necessarily be the most affordable carrier for each policyholder, since there are a variety of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Ohio Mutual?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for every driver -- it all comes down to what your unique insurance profile looks like.

Why do Grange and Ohio Mutual offer me different rates?

Auto insurance companies take a look at several different variables when calculating the premiums they charge drivers. Factors like where you live, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Grange and Ohio 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 a range of different carriers.

How do I know if Grange or Ohio Mutual 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, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Grange or Ohio 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.