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

Want to know if Grange or Safety is the better choice for auto insurance? You're probably wondering which company offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Safety offers less expensive premiums than Grange
  • Grange has more affordable rates for drivers with a DUI charge on their record
  • Safety offers cheaper average premiums for residents of urban areas

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

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Grange or Safety, but which one will save you the most?

Grange Safety

As you can see, Grange has average rates that are about 13% per month more expensive than those from Safety when looking at the national average rates for car insurance.

That being said, Safety may not be the most affordable or best option for every driver out there. Insurance companies vary their rates depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a ton of other factors, so prices will vary quite a bit from person to person.

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

Grange or Safety: Average Car Insurance Rates by State

State Grange Safety

Grange and Safety only compete against each other in one states, with Grange offering less expensive rates to the average driver in all of them. Massachusetts has the most noticable difference, where Grange prices are over 20% cheaper than auto insurance rates at Safety.

But there's more to calculating car insurance premiums than just where you call home. Continue reading to learn more about how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Grange Safety
18-year-old drivers$551$421
25-year-old drivers$205$209

Teen drivers will almost always have the most expensive insurance prices of any group on the road. It's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. Just look at the table above -- where 18-year-old drivers who have Safety for their insurance pay nearly $150 less than those who use Grange.

Even so, with both carriers, you'll see your premiums decrease significantly by the time you turn 25. For example, average prices for Grange policyholders drop almost $350 and Safety's rates reduce more than $200 over that time.

Which is the Best Company for Retired Drivers?

Grange Safety
65+-year-old drivers$200$164

Once you approach retirement age, you'll usually enjoy the lowest auto insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best rates for retired drivers between Grange and Safety? Safety gets the edge, with prices for drivers 65 and older $36 more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

Grange Safety

You may not be aware, but insurance premiums tend to be less expensive for married couples than they are for single policyholders. This usually boils down to married drivers having more than one car on their policy -- something lots of car insurance companies will reward with discounts.

When it comes to relationship status, Safety is the clear winner for single drivers, with prices around $50 a month more affordable than Grange, on average. It's not quite so glaring for married policyholders, where drivers who use Safety save about $7 per month.

Grange vs. Safety: Average Rates by Gender

Grange Safety

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

With Grange, women normally pay around 5% a month less than men, and about 5% less with Safety when compared to their male counterparts.

Looking at overall affordability, Safety offers the cheapest average premiums for both men and women, with average rates 13% less for men and 13% cheaper for women.

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Grange or Safety: Compare State Minimum vs. Full Coverage Rates

Grange Safety
State Minimum*$185$122
Full Coverage**$313$313

*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.

Insurance isn't the easiest topic to understand. 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.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability).

In this case, Safety offers the lowest average prices for state minimum liability insurance, while Grange has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $65 with Safety Insurance, while full coverage comes out to be around $0 cheaper with Grange Insurance.

Is Grange or Safety 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.

Collisions and tickets will most likely raise your rates, but is Grange or Safety more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Grange Safety
Clean Record$180$129
1 Speeding Ticket$235$190

Grange policyholders can expect their premiums to go up an average of $55 per month if they get a ticket, while Safety generally raises prices about $61 a month, on average.

But Safety has cheaper premiums for drivers in both categories, offering rates that are $51 and $45 less expensive, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange Safety
Clean Record$180$129
1 At-Fault Accident$266$226

Both carriers will increase prices pretty significantly if you get into an at-fault accident with Safety raising by over $95. Grange has a less extreme rise, but you can still expect to pay more than $85 more than you were prior to your first collision.

Overall, the more affordable rates come from Safety, with monthly premiums averaging $226 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Grange Safety
Clean Record$180$129
1 DUI$314$324

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or speeding ticket. For example, Safety increases average prices by just under $200 per month -- that's over a 60% increase.

If you have a DUI on your record and are looking for more affordable premiums, Grange tends to be the much cheaper option with average rates of $314 a month compared to $324 from Safety.

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How does Credit Score Impact Grange and Safety Rates?

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

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Grange and Safety specifically, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Grange Safety
Excellent Credit Score$193$142
Good Credit Score$223$151

If you have great credit, you'll usually find a better deal with Safety. Policyholders with "excellent" credit can save more than 25% compared to Grange, and those with "good" scores can also expect to see savings -- around $72 or 32% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Grange Safety
Fair Credit Score$252$188
Poor Credit Score$343$261

Safety typically offers lower prices than Grange when it comes to drivers with bad credit. Drivers with "fair" credit pay about $64 a month less with Safety compared to Grange, and those with "poor" scores normally save an average of around $82 per month.

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

Grange Safety
6,000 Annual Miles$248$216
12,000 Annual Miles$250$219

Did you know that the amount of time you spend in your car have a considerable impact on how much auto insurance companies will charge for coverage? Typically, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Safety tends to be the cheaper option. Grange average premiums for drivers with 6,000 annual miles come in about $32 more expensive than Safety. Those who drive 12,000 miles annually can expect to pay around $31 more with Grange over Safety.

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

Where you call home can play a big role in how much you pay for insurance. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads in those areas.

Grange Safety
Urban Areas$292$282
Suburban Areas$235$221
Rural Areas$220$148

Safety boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both carriers, but Safety comes out on top with average prices about $148 monthly. Safety also has more affordable average rates for drivers in urban and suburban ZIP codes -- a 3% and 6% per month respective difference when compared to Grange policyholders in similar areas.

Grange vs. Safety Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Below, we've broken down all of the different discounts offered by both Grange and Safety so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Grange Safety
ABS Discount 
Advance Quote Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount
Anti-Theft Discount
Book Transfer Policy Discount 
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount
E-Signature Discount 
Employee Discount
Good Driving Discount
Good Student Discount
Group Discount
Hybrid Vehicle Discount 
Legacy Discount 

Grange blows Safety away when it comes to the sheer amount of discounts available, offering 10 more discounts than Safety.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, employee discounts, and group discounts. Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Safety does not.

On the flip side, Safety has a couple unique discounts of its own -- advance quote discounts, book transfer policy discounts, e-signature discounts, and more.

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Final Thoughts: Is Grange or Safety Best for You?

So, we've broken down the average premiums for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the best fit for you?

Safety might be best for you if....

  • Your driving record contains an at-fault accident.
  • You already have a great credit score.
  • You have a short commute.

Grange might be best for you if...

  • You have a DUI charge on your record.
  • You care about discounts (Grange offers the most).
  • You're looking for more protection with "full coverage" auto insurance.

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

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Grange vs. Safety FAQs

Is Grange or Safety cheaper?

Looking just at the national average prices, Safety is the less expensive of the two carriers, offering average rates of $217 a month compared to $249 for Grange. Even so, Safety won't necessarily be the cheapest carrier for each policyholder, since there are a variety of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Safety?

Sadly, the real answer is "it depends.". No single company is "better" for every driver -- it all depends on what your unique car insurance profile looks like. For example, Grange offers cheaper rates for drivers with a recent DUI, while Safety is more affordable for drivers with excellent credit.

Why do Grange and Safety offer me different rates?

Insurance companies take a look at several different variables when determining the prices they charge drivers. Factors such as your driving record, where you park your vehicle, age, gender, and sometimes even things like your credit score can all be used. Both Grange and Safety calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Grange or Safety at all!


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.

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