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

Quick Facts

• Based on national averages for car insurance, Progressive offers significantly less expensive rates than Grange
• Progressive offers more affordable premiums for couples purchasing insurance together
• Progressive offers more affordable average rates for people who are single and purchasing car insurance by yourself

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Grange or Progressive, but which one has cheaper prices for auto insurance?

Looking at the national average rates for both companies, Progressive has average rates that are about 30% per month more affordable than those from Grange.

However, that doesn't mean Progressive will necessarily be less expensive than Grange for each driver. Car insurance carriers vary their premiums depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a variety of other factors. So, at the end of the day, rates from each company will differ quite a bit from person to person.

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

Grange or Progressive: Average Car Insurance Rates by State

Grange and Progressive compete against each other in seven states, with Progressive offering cheaper premiums to the average driver in all of them. Michigan has the most noticable difference, where Progressive rates are over 70% less expensive than insurance prices at Grange.

There's a lot more that goes into your auto insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. That's because young, inexperienced 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 Progressive save $100 a month compared to those who use Grange.

That being said, both companies will decrease rates by the time drivers turn 25. For example, average prices for Grange policyholders lower nearly $350 and Progressive's premiums reduce more than $300 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Progressive gets the edge, with premiums for drivers 65 and older almost 35% cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are typically more affordable for married policyholders than they are for single drivers? This usually boils down to married drivers having more than one car on their policy -- something quite a few insurance carriers will reward with discounts.

When it comes to relationship status, Progressive is the clear winner for single policyholders, with rates around $70 per month cheaper than Grange, on average. The advantage for married couples with Progressive is also obvious, where drivers save about $65 a month.

Grange vs. Progressive: Average Rates by Gender

Did you know women normally pay less for auto insurance than men? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

On average, women see rates around 5% per month less with Grange, while with Progressive, the difference is closer to 3% a month.

Looking at overall affordability, Progressive offers the lowest average premiums for both men and women. On average, women save about $65 per month and men save about $72 with Progressive compared to the average Grange policyholder.

Grange or Progressive: 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 pretty complicated. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage 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 a liability policy).

If you're looking for state minimum liability insurance, Progressive typically offers significantly less expensive rates of $111 compared to Grange's $185. When it comes to full coverage policies with similar limits, Progressive again has the edge, with policies around $65 a month more affordable than Grange, on average.

Is Grange or Progressive 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.

It's no secret secret that collisions and tickets lead to higher prices, but which carrier -- Grange or Progressive -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their prices to go up an average of $55 per month if they get a ticket, while Progressive generally raises premiums about $31 a month, on average.

But Progressive has less expensive rates for drivers in both categories. Drivers with a clean record can save around $31 per month and drivers with a speeding ticket can save about $55 a month with Progressive.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Grange can expect to see around an $86 -- or about 32% -- increase in their auto insurance premiums. Drivers who use Progressive for their car insurance will see a monthly bill around $65 (or 30%) more expensive after reporting an accident to their auto insurance company.

Overall, the more affordable prices come from Progressive, with monthly rates averaging $214 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 insurance bill -- usually a lot more than a collision or ticket. Grange drivers usually see a 43% increase in their car insurance prices after a DUI charge, while Progressive will normally climb rates by about 16%.

How does Credit Score Impact Grange and Progressive Rates?

Did you know that many insurance companies take your credit score into account when calculating premiums? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

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

So, which carrier offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on how much auto insurance companies will charge for coverage. Generally, the more miles you drive, the more you can expect to pay for car insurance.

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

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

Where you live can have a big impact on your monthly insurance cost. Usually, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

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

Policyholders in rural ZIP codes see the cheapest premiums from both carriers, but Progressive comes out on top with average rates about $154 a month. Progressive also has more affordable average prices for drivers in urban and suburban ZIP codes -- a $85 and $56 per month respective difference when compared to Grange policyholders in similar areas.

Grange vs. Progressive Discounts

Regardless of why you might be in the market for a new auto 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 hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've compared all of the different discounts offered by Grange and Progressive so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Grange out of the park when it comes to the sheer number of discounts available, offering six more discounts than Grange.

A couple of those are overlapping for things like advanced safety feature discounts, anti-theft discounts, continuous insurance discounts, and distant student discounts. Progressive also offers advance quote discounts, DRL discounts, e-signature discounts, and more that Grange does not.

On the flip side, Grange has a couple unique discounts of its own -- annual mileage discounts, company car discounts, discounts for getting driver training, and more.

Final Thoughts: Is Grange or Progressive Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. But, at the end of the day, which carrier is the right carrier for you and your specific profile and needs?

Progressive might be best for you if....

• You have an at-fault accident on your record.
• Your home is in a busy urban area.
• You are over 65 years old and want to save some money on your car insurance.

Grange might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Grange and Progressive and that it aids in making a more informed decision about your auto 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 a handful of companies, not just Grange and Progressive. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Grange vs. Progressive FAQs

Is Grange or Progressive cheaper?

Looking just at the national average rates, Progressive is the less expensive of the two companies, offering average rates of $180 a month compared to $249 for Grange. That being said, Progressive won't necessarily be the most affordable company for each policyholder, since there are lots of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Progressive?

Unfortunately, the real answer is "it depends.". No one carrier is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Grange and Progressive offer me different rates?

Car insurance carriers take a look at many different factors when determining the prices they charge drivers. Things like your driving record, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both Grange and Progressive calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the auto insurance carrier 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 does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be Grange or Progressive 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.