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

Quick Facts

• Based on national averages for car insurance, Pemco offers significantly more affordable prices than Grange
• Grange may help you save more money -- they offer more discounts than PEMCO Insurance
• Pemco offers less expensive average rates for drivers who have below-average credit

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

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering substantial savings. But exactly how much can you save by switching?

You might have narrowed it down to Grange or Pemco as your top options, but between the two, which one has cheaper premiums for insurance?

Looking at the national average rates for both carriers, Grange has average rates that are around 55% a month more expensive than those from Pemco.

But that doesn't necessarily mean Pemco will be the less expensive option for every single driver. Car insurance companies vary their prices 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 rates could change drastically from person to person.

So, if you want to find out which of Grange or Pemco is really the best for you, keep reading to see average prices for each company broken down by a variety of different rate factors.

Grange vs. Pemco: Average Car Insurance Rates by State

Grange and Pemco only compete against each other in Washington, where Pemco offers the cheaper average rates. Pemco drivers tend to pay about $50 per month less on average compared to drivers who use Grange for their auto insurance.

But there's more to calculating car insurance premiums than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any other group of drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Pemco for their auto insurance pay almost 60% less than those who use Grange.

That being said, both carriers will reduce rates by the time you turn 25. For example, average premiums for Grange policyholders drop about $350 and Pemco's prices lower around $100 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable insurance premiums you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise prices.

When looking at Grange and Pemco specifically, which carrier is best for retired drivers? Pemco gets the edge, with rates for drivers 65 and older nearly 55% cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are normally more affordable for married couples than they are for those who are single? That's because policies for married policyholders usually cover more than one vehicle, which a lot of companies will give you a discount for.

For single policyholders, the difference in average rates between these two carriers is significant, with Pemco premiums coming in at about half of Grange's. The advantage is also clear for married drivers - Pemco offers the cheapest average rates.

Grange or Pemco: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get tickets. That means when it comes to insurance men will normally end up paying a little more.

Usually, women see premiums around 5% a month less with Grange, and about 4% less with Pemco.

Looking at overall affordability, Pemco offers the lowest average prices for both men and women. On average, women save about $138 per month and men save around $146 with Pemco compared to the average Grange policyholder.

Grange vs. Pemco: 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, auto insurance can be pretty complicated. Everyone needs car 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 end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Pemco has the significant edge, with average monthly premiums coming in at $62. If you want a full coverage policy with the same state minimum limits, Pemco again has the edge, with policies averaging about $152 a month to Grange's $313.

Is Grange or Pemco Better for Drivers with Spotty Records?

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

It's no secret secret that accidents and speeding tickets lead to higher rates, but which company -- Grange or Pemco -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

Even so, Pemco tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are 53% and 57% cheaper, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange drivers who get in an accident can expect to see their rates rise by over $85, while those who have insurance through Pemco will see around a $25 increase.

At the end of the day, Pemco offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $111 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. Grange drivers usually see a 43% raise in their auto insurance rates after a DUI charge, while Pemco will generally climb premiums by about 35%.

But if you end up with a DUI charge and are looking for more affordable prices, Pemco tends to be more affordable for the average driver, with monthly premiums coming in at around $131 to Grange's $314.

How does Credit Score Impact Grange and Pemco Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for lots of policyholders.

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

So, which carrier offers the most affordable prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Pemco will normally reward you the most. For drivers with "excellent" credit scores, Pemco comes in more than 67.36 less expensive. Drivers with "good" credit scores generally save about 63% with Pemco compared to average rates from Grange.

Which Company is Best for Drivers with Bad Credit?

Pemco typically offers lower premiums than Grange when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 58% per month less with Pemco compared to Grange, and those with "poor" scores typically save an average of about 48% monthly.

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

How much you drive can have a considerable impact on your monthly rates. Usually, those who drive less will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Pemco offers less expensive prices than Grange. Grange average premiums for drivers with 6,000 annual miles come in around $144 more expensive than Pemco. Those who drive 12,000 miles yearly can expect to pay about $140 more with Grange over Pemco.

Grange or Pemco: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a pretty big role in how much you pay for car insurance. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer cars on the roads where they live.

Pemco boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, PEMCO Insurance's average rates are around 61% less than Grange Insurance. People who live in suburban areas pay about 49% less with Pemco compared to Grange. Those in rural areas can expect to save around 60% with Pemco compared to Grange.

Grange vs. Pemco Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

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

Grange blows Pemco away when it comes to the sheer amount of discounts available, offering 16 more discounts than Pemco.

Both companies offer a lot of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good student, and paid in full discounts -- but Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Pemco has a few proprietary discounts of their own for things like advance quote discounts, homeowner discounts, and low mileage discounts.

Final Thoughts: Is Grange or Pemco Best for You?

So, we've broken down the average premiums for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right company for you and your specific driver profile?

Pemco might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates climb.
• You want the most robust protection via a "full coverage" policy.
• You drive fewer than 6,000 miles annually.

Grange might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Grange and Pemco and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Grange and Pemco. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Grange vs. Pemco FAQs

Is Grange or Pemco cheaper?

Pemco is the cheaper of the two companies when looking at national average premiums, with policies averaging $107 a month with Pemco and $249 for Grange. However, that doesn't mean Pemco will be the cheapest carrier for every driver, since there are multiple different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Pemco?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Grange and Pemco offer me different rates?

Insurance carriers use several different variables when determining the prices they charge. Factors such as age, where you park your vehicle, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Pemco calculate premiums using 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 many different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Grange or Pemco 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.