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

Quick Facts

• Based on national averages for car insurance, Oregon Mutual offers significantly less expensive premiums than Grange
• Grange offers more discounts than Oregon Mutual
• Oregon Mutual offers more affordable prices for drivers who have an at-fault accident on their record

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Grange or Oregon Mutual, but between the two, which one has more affordable rates for insurance?

As you can see, Grange has average rates that are about 45% per month more expensive than those from Oregon Mutual when looking at the national average rates for auto insurance.

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

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

Grange or Oregon Mutual: Average Car Insurance Rates by State

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

But there's more to calculating car insurance rates than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Oregon Mutual save more than $200 a month compared to those who use Grange.

That being said, both carriers will reduce premiums by the time drivers turn 25. For example, average rates for Grange policyholders drop nearly $350 and Oregon Mutual's premiums lower around $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable auto insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

But who has the best premiums for retired drivers between Grange and Oregon Mutual? Oregon Mutual gets the edge, with prices for drivers 65 and older $100 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be less expensive for married drivers than they are for single policyholders. That's because policies for married couples usually cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, Oregon Mutual is the clear winner for those who are single, with prices about $128 per month cheaper than Grange, on average. The advantage for married policyholders with Oregon Mutual is also obvious, where drivers save almost 50% a month.

Grange vs. Oregon Mutual: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll normally end up paying more for insurance than women.

Typically, men see rates over $10 per month higher with Grange, and around $10 with Oregon Mutual.

When it comes to the cheapest premiums for each gender, Oregon Mutual comes out as the lowest option for both genders, with average rates $114 less for men and $114 cheaper for women.

Grange or Oregon 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 car insurance can be a complicated subject for most people. There are many different coverages that account for a range 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.

However, most 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 -- alongside liability coverage).

If you're looking for state minimum liability limits, Oregon Mutual generally offers significantly more affordable premiums of $97 compared to Grange's $185. When it comes to full coverage policies with similar limits, Oregon Mutual again has the edge, with policies about $150 a month less expensive than Grange, on average.

Is Grange or Oregon 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.

Tickets and collisions will most likely raise your prices, but is Grange or Oregon Mutual cheaper for 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 Oregon Mutual typically raises prices around $11 a month, on average.

But Oregon Mutual is normally the more affordable option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about $69 per month and drivers with a ticket can save around $113 a month with Oregon Mutual.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Grange climbing by over $85. Oregon Mutual has a less extreme increase, but you can still expect to pay more than $20 more than you were prior to your first accident.

Overall, drivers who use Oregon Mutual end up with the cheaper prices after an accident, with monthly prices averaging $133 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, Grange will climb your premiums about 43% after a DUI, while Oregon Mutual's average rates climb by over 35%.

If you have a DUI on your record and are looking for more affordable prices, Oregon Mutual tends to be the much less expensive option with average rates of $171 monthly compared to $314 from Grange.

How does Credit Score Impact Grange and Oregon Mutual Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly car insurance premiums. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for several drivers.

The reasoning auto insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which company offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Oregon Mutual. Policyholders with "excellent" credit can save just under 40% compared to Grange, and those with "good" scores can also expect to see savings -- around $102 or 46% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower premiums than Grange when it comes to drivers with bad credit. Drivers with "fair" credit pay about $122 per month less with Oregon Mutual compared to Grange, and those with "poor" scores typically save an average of around $172 per month.

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

How much you drive can have a substantial impact on your monthly prices. Usually, the more miles you put on your vehicle, the more you can expect to pay for insurance.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Oregon Mutual offers more affordable rates than Grange. Oregon Mutual average premiums for drivers with 6,000 annual miles come in over $100 less expensive than Grange. Those who drive 12,000 miles every year can expect to pay more than $100 less with Oregon Mutual over Grange.

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

Where you live can play a large role in how much you pay for car insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads in those areas.

Oregon Mutual boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both carriers, but Oregon Mutual comes out on top with average premiums about $115 a month. Oregon Mutual also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a 48% and 41% a month respective difference when compared to Grange drivers in similar areas.

Grange vs. Oregon Mutual 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 challenging to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by Grange and Oregon Mutual so that you can see which company can save you the most money each month.

Grange blows Oregon Mutual away when it comes to the sheer amount of discounts available, offering 13 more discounts than Oregon Mutual.

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

On the flip side, Oregon Mutual has a couple unique discounts of its own -- advance quote discounts, csl discounts, low mileage discounts, and more.

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

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right carrier for you and your specific driver profile?

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

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Grange might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Grange and Oregon 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 car insurance -- comparing quotes from a handful of carriers, not just Grange and Oregon Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Grange vs. Oregon Mutual FAQs

Is Grange or Oregon Mutual cheaper?

Looking just at the national average premiums, Oregon Mutual is the cheaper of the two carriers, offering average rates of $135 per month compared to $249 for Grange. However, Oregon Mutual won't necessarily be the most affordable carrier for everyone, since there are a bunch of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Oregon Mutual?

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

Why do Grange and Oregon Mutual offer me different rates?

Car insurance companies take a look at many different variables when calculating the rates they charge policyholders. Factors such as gender, age, your driving record, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Grange and Oregon Mutual use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information 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 lowest price. And who knows, the best carrier for you might not be Grange or Oregon 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.