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

Looking for car insurance and wondering if Grange or Pure is the right carrier for you? If so, you're probably wondering which company has the cheapest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • In general, Grange offers significantly less expensive premiums than Pure
  • Grange offers more affordable rates for policyholders who are looking to purchase insurance with a spouse
  • Grange has more affordable prices for drivers who have a speeding ticket on their driving record

Grange or Pure: 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 big savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Grange or Pure for your next policy, but which carrier will offer you cheaper rates?

Grange Pure

Looking at the national average rates for both carriers, Pure has average rates that are around 25% a month more expensive than those from Grange.

That being said, that doesn't necessarily mean Grange will be the less expensive option for every driver. Auto insurance companies use all sorts of complex algorithms to determine premiums, so depending on how old you are or how clean your driving record is (among lots of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Grange and Pure by several different rate factors, so read on to find out which carrier is the best for you.

Grange vs. Pure: Average Car Insurance Rates by State

State Grange Pure

Grange and Pure only compete against each other in California, where Grange offers the cheaper average premiums. Grange drivers tend to pay about $194 per month less on average compared to drivers who use Pure for their car insurance.

That being said, there are plenty of other factors that go into your insurance bill than just the state you live in. Keep reading to learn more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Grange Pure
18-year-old drivers$551$722
25-year-old drivers$205$319

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 25% less a month by choosing Grange over Pure.

But with both carriers, you'll see your rates drop significantly once you turn 25. For example, average premiums for Grange policyholders decrease almost 65% and Pure's prices reduce more than 55% over that time.

Which is the Best Company for Retired Drivers?

Grange Pure
65+-year-old drivers$200$234

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever see.

So, which company offers the best prices to retired drivers? Grange gets the edge, with rates for drivers 65 and older nearly 15% cheaper than the national average for Pure.

Which is the Best Company for Married Drivers?

Grange Pure

You may not be aware, but insurance prices tend to be more affordable for married policyholders than they are for those who are single. This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few auto insurance companies will reward with discounts.

For single drivers, the difference in average rates between these two carriers is significant, with Grange premiums coming in at a quarter less than Pure's. The advantage is also clear for married couples - Grange offers the lowest average rates.

Grange or Pure: Average Rates by Gender

Grange Pure

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

With Grange, men usually pay about $10 per month more than women; men and women end up paying the same monthly prices with Pure.

Looking at the data for each carrier specifically, Grange comes out on top for both men and women, with average premiums 23% less for men and 27% cheaper for women.

Find your best rate in just a few minutes

Grange vs. Pure: Compare State Minimum vs. Full Coverage Rates

Grange Pure
State Minimum*$185$134
Full Coverage**$313$528

*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, insurance isn't the easiest topic to understand. There are many different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability coverage).

When it comes to state minimum limits for liability insurance, Pure has the edge, while Grange offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $50 with PURE Insurance, while full coverage comes out to be around $200 cheaper with Grange Insurance.

Is Grange or Pure Better for Drivers with Spotty Records?

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

Speeding tickets and accidents will most likely raise your prices, but is Grange or Pure less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Grange Pure
Clean Record$180$202
1 Speeding Ticket$235$282

Drivers who use Grange for their car insurance can typically expect their monthly bill to go up about 23% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of around 28%.

Even so, Grange is usually the more affordable option for drivers both with a ticket and with a clean record. With Grange Insurance, drivers with a clean record can save about $22 a month and drivers with a speeding ticket can save around $47 per month.

Which Company is Best for Drivers After an Accident?

Grange Pure
Clean Record$180$202
1 At-Fault Accident$266$352

After an accident, drivers who have their insurance through Grange can expect to see about an $86 -- or around 32% -- rise in their auto insurance premiums. Drivers who use Pure for their insurance will see a monthly bill about $150 (or 43%) more expensive after reporting a collision to their car insurance company.

At the end of the day, drivers who use Grange end up with the cheaper prices after an accident, with average rates coming in at $266 compared to PURE Insurance's $352.

Which Company is Best for Drivers with a DUI?

Grange Pure
Clean Record$180$202
1 DUI$314$489

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than an accident or ticket. On average, Pure will raise your prices around 59% after a DUI, while Grange's average premiums rise by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable rates, Grange tends to be cheaper for the average driver, with monthly premiums coming in at about $314 to Pure's $489.

Find your best rate in just a few minutes

How does Credit Score Impact Grange and Pure Rates?

Did you know many auto insurance carriers take your credit score into account when determining prices? This isn't true for everyone (California, for example, has banned the use of credit score as a car insurance factor) but it does affect several policyholders out there.

Car 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.

So, which carrier offers the lowest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Grange Pure
Excellent Credit Score$193No Data Available
Good Credit Score$223No Data Available

You'll often be rewarded if you have great credit. With Grange Insurance, improving your score from "good" to "excellent" will generally save you around $30. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Grange Pure
Fair Credit Score$252No Data Available
Poor Credit Score$343No Data Available

Having bad credit typically means you'll also see higher rates with Grange Insurance. If your credit score is in the "poor" range, at Grange Insurance, you may pay about 25% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, undefined doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over Grange Insurance.

Find your best rate in just a few minutes

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

Grange Pure
6,000 Annual Miles$248$275
12,000 Annual Miles$250$387

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. Normally, the more milage you put on your car each year, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Grange tends to be the more affordable option. Grange's average prices for drivers with 6,000 annual miles come in just under 10% less expensive than Pure. Those who drive 12,000 miles yearly can expect to pay more than 35% less with Grange over Pure.

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

Where your home is can have a sizable impact on your monthly car insurance payment. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Grange Pure
Urban Areas$292$371
Suburban Areas$235$313
Rural Areas$220$308

Grange boasts the lowest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Grange Insurance's average prices are around $79 less than PURE Insurance. People who live in suburban areas pay about $78 less with Grange compared to Pure. Those in rural areas can expect to save around $88 with Grange compared to Pure.

Grange vs. Pure Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Grange and Pure so that you can see which one can save you the most money each month.

Grange Pure
ABS Discount
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Legacy Discount 
Life Policy Discount 
Mature Driver Discount
Multi-Car Discount

Grange knocks Pure out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Pure's 10.

Both carriers offer quite a few of the same discounts -- like ABS discounts, distant student discounts, discounts for being a good student, and multi-policy discounts -- but Grange also offers discounts for advanced safety feature, agency transfer, annual mileage, and more.

On the other hand, Pure has a proprietary discount of their own -- a occasional operator discounts.

Find your best rate in just a few minutes

Final Thoughts: Is Grange or Pure Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts companies offer. But, at the end of the day, is Grange or Pure the right company for you and your specific driver profile?

Grange might be best for you if....

  • You're worried about the impact your credit score will have on your rates.
  • You're looking for discounts -- Grange has the most.
  • You have a short commute.

Pure might be best for you if...

  • You're looking for the best premiums on liability only coverage.

Hopefully, this guide helps you get a good idea of the differences between Grange and Pure. We also hope we've given you the information you need to make the best decision about your car 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 multiple carriers, not just Grange and Pure. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Find your best rate in just a few minutes

Grange vs. Pure FAQs

Is Grange or Pure cheaper?

Grange is the more affordable of the two carriers when looking at national average rates, with policies averaging $249 per month with Grange and $331 for Pure. That being said, that doesn't mean Grange will be the most affordable carrier for each driver, since there are lots of different factors that are considered when it comes to your auto insurance bill.

Who is better, Grange or Pure?

Unfortunately, the answer truly is "it depends.". One company is not "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Grange and Pure offer me different rates?

Car insurance companies use lots of different variables when calculating the prices they charge. Factors such as age, gender, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both Grange and Pure use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the 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, sites like make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Grange or Pure at all, but another you hadn't even thought of!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes