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

Quick Facts

• In general, Safe Auto offers less expensive prices than Grange
• Grange may help you save more money -- they offer more discounts than Safe Auto
• Safe Auto offers cheaper average premiums for drivers who have a speeding ticket on their driving record

Grange or Safe Auto: 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 might have narrowed your search down to Grange or Safe Auto as your top options, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Safe Auto is around $26 a month more affordable than Grange.

But that doesn't mean Safe Auto will necessarily be cheaper than Grange for every driver. Car insurance companies vary their prices depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so rates will vary quite a bit from person to person.

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

Grange vs. Safe Auto: Average Car Insurance Rates by State

Grange and Safe Auto only compete against each other in one states, with Grange offering less expensive rates to the average driver in all of them. Kentucky has the most noticable difference, where Grange prices are $57 more affordable than auto insurance premiums at Safe Auto.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Safe Auto save over 20% per month compared to those who use Grange.

However, both carriers will reduce prices once you turn 25. For example, average rates for Grange policyholders lower about $350 and Safe Auto's prices drop almost $250 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? Safe Auto gets the edge here, with average premiums coming in at around $179 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are usually cheaper for married drivers than they are for single drivers? This usually boils down to married policyholders having several vehicles on their policy -- something many insurance companies will reward with discounts.

For those who are single, the difference in average premiums between these two carriers is significant, with Safe Auto prices coming in at about 10% less than Grange's. It's not quite so glaring for married couples, where drivers who use Safe Auto save around $20 a month.

Grange or Safe Auto: Average Rates by Gender

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates.

On average, women see prices about $10 per month more affordable with Grange, and more than $15 cheaper with Safe Auto when compared to their male counterparts.

When it comes to the lowest premiums for each gender, Safe Auto comes out on top for both men and women, with average rates 9% less for men and 12% cheaper for women.

Grange vs. Safe Auto: 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.

Car insurance can be a complicated subject for most people. There are lots of different coverages that account for multiple 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.

Even so, most 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 includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

When it comes to state minimum liability limits, Safe Auto has the edge, while Grange offers the most affordable average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $60 with Safe Auto, while full coverage comes out to be around $7 less expensive with Grange Insurance.

Is Grange or Safe Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Grange for their car insurance can normally expect their monthly bill to go up about 23% after getting a speeding ticket. Safe Auto policyholders can expect a less drastic increase of around 18%.

If you have gotten a ticket, Safe Auto tends to offer the best prices at about 6% cheaper, while Grange has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Grange policyholders who get in a collision can expect to see their rates increase by over $85, while those who have insurance through Safe Auto will see around a $65 increase.

At the end of the day, Safe Auto offers the most affordable premiums for drivers with an at-fault collision on their records, with average rates coming in at $246 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 -- generally a lot more than an accident or speeding ticket. Grange drivers usually see a 43% increase in their auto insurance premiums after a DUI charge, while Safe Auto will normally climb prices by about 27%.

How does Credit Score Impact Grange and Safe Auto Rates?

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

The reasoning car 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 rates, while those with poor credit will usually be forced to pay more.

Looking specifically at Safe Auto and Grange, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a substantial impact on your monthly auto insurance cost. That's because the more milage you put on your vehicle, the more likely you are to be in a collision and file an insurance claim.

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

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

Where your home is can have a pretty big impact on your monthly insurance payment. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the roads where they live.

Safe Auto tends to offer the lowest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 10% with Safe Auto compared to Grange. People who live in suburban areas pay around 15% less with Safe Auto compared to Grange. For policyholders in urban ZIP codes, Safe Auto's average rates are about 7% less than Grange Insurance.

Grange vs. Safe Auto 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 taking advantage of as many insurance discounts as possible.

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're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Grange and Safe Auto offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Grange knocks Safe Auto out of the park when it comes to the sheer number of discounts available, offering 14 more discounts than Safe Auto.

A couple of those are overlapping for things like agency transfer discounts, discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and passive restraint discounts. Grange also offers discounts for ABS, advanced safety feature, annual mileage, and more.

On the other hand, Safe Auto has a few proprietary discounts of their own for things like claim free discounts, homeowner discounts, military discounts, and more.

Final Thoughts: Is Grange or Safe Auto Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which company is the best one for you and your specific profile and needs?

Safe Auto might be best for you if....

• You have an at-fault accident on your record.
• You live in a rural area.

Grange might be best for you if...

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You're looking for the carrier with the most discounts.
• You want the most robust protection via a "full coverage" policy.

Hopefully, this guide helps you get a better idea of the difference between Grange and Safe Auto. We also hope we've given you the information you need to make the best decision when it comes to your car 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 several companies, not just Grange and Safe Auto. Luckily, sites like Compare.com make 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 carriers in your area, all in just a few minutes.

Grange vs. Safe Auto FAQs

Is Grange or Safe Auto cheaper?

Safe Auto is the more affordable of the two companies when looking at national average premiums, with policies averaging $223 a month with Safe Auto and $249 for Grange. That being said, that doesn't mean Safe Auto will be the most affordable company for everyone, since there are a bunch of different factors that are considered when it comes to your car insurance bill.

Who is better, Grange or Safe Auto?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Grange and Safe Auto offer me different rates?

Insurance carriers use several different variables when determining the rates they charge. Factors such as gender, where you call home, your driving record, age, and sometimes even things like your credit score can all be used. Both Grange and Safe Auto calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from several different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of 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 information once 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 company for you isn't Grange or Safe Auto 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.