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

Quick Facts

• Looking at the national averages for car insurance, Secura offers significantly more affordable premiums than Grange
• Grange may help you save more money -- they offer more discounts than SECURA Insurance
• Secura offers more affordable rates for policyholders who live in rural neighborhoods

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering substantial savings, but exactly how much money can you save by switching?

You might be considering Grange or Secura for your next policy, but between the two, which carrier will offer you less expensive prices?

As you can see, Grange is quite a bit more expensive than Secura, with rates averaging $249 a month compared to just $146 with Secura when looking at the national average rates for auto insurance.

But Secura may not be the lowest or best option for each driver out there. Car insurance carriers use all sorts of complex algorithms to determine premiums, so depending on how clean your driving record is or how old you are (among a wide array of other factors), you could see wildly different rates from the ones above.

Wanting to know if Grange or Secura is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Grange vs. Secura: Average Car Insurance Rates by State

Grange and Secura only compete against each other in one states, with Secura offering cheaper prices to the average driver in all of them. Michigan has the most noticable difference, where Secura premiums are $525 more affordable than insurance prices at Grange.

There are plenty of other factors that go into your car insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Secura save almost 45% per month compared to those who use Grange.

That being said, with both companies, you'll see your rates reduce significantly by the time drivers turn 25. Secura offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Grange's average premiums lower nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise prices.

When looking at Grange and Secura specifically, which company is best for retired drivers? Secura gets the edge, with rates for drivers 65 and older almost 45% cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

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

For those who are single, the difference in average prices between these two companies is significant, with Secura premiums coming in at around half of Grange's. The advantage is also clear for married drivers - Secura offers the most affordable average rates.

Grange or Secura: Average Rates by Gender

You may not know, but auto insurance is typically more expensive for men than for women. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

Men usually pay about $10 a month more than women with Grange, and around $3 more with Secura.

Looking at overall affordability, Secura comes out on top for both men and women, with average premiums $108 less for men and $99 cheaper for women.

Grange vs. Secura: 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, insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury 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).

Looking specifically at state minimum liability insurance, Secura has the significant edge, with average monthly prices coming in at $69. If you want a full coverage policy with the same state minimum limits, Secura again has the edge, with policies averaging about $222 per month to Grange's $313.

Is Grange or Secura Better for Drivers with Spotty Records?

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

Speeding tickets and collisions will most likely raise your rates, but is Grange or Secura cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Grange for their insurance can generally expect their monthly bill to go up around 23% after getting a speeding ticket. Secura policyholders can expect a bit more drastic of an increase of about 29%.

Even so, Secura has more affordable prices for drivers in both categories -- their rates are around 52% less expensive for drivers with clean records and 48% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Grange can expect to see around an $86 -- or about 32% -- rise in their auto insurance rates. Drivers who use Secura for their car insurance will see a monthly bill around $42 (or 33%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, drivers who use Secura end up with the cheaper prices after an accident, with average premiums coming in at $129 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 collision or ticket when it comes to your auto insurance bill. Secura drivers usually see a 64% increase in their insurance rates after a DUI charge, while Grange will normally climb prices by about 43%.

But if you end up with a DUI charge and are looking for more affordable premiums, Secura tends to be cheaper for the average driver, with monthly premiums coming in at around $244 to Grange's $314.

How does Credit Score Impact Grange and Secura Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it does affect a lot of drivers out there.

The reasoning auto insurance carriers 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 typically be forced to pay more.

Looking at Grange and Secura specifically, which company has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Secura will generally reward you the most. For policyholders with "excellent" credit scores, Secura comes in more than 36.79 less expensive. Drivers with "good" credit scores usually save about 40% with Secura compared to average prices from Grange.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower rates than Grange when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 41% a month less with Secura compared to Grange, and those with "poor" scores normally save an average of about 48% monthly.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly premiums? That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

Secura tends to be the more affordable option for both remote workers and those taking short commutes. Secura's average prices for drivers with 6,000 annual miles come in around $105 less expensive than Grange. Those who drive 12,000 miles yearly can expect to pay about $102 less with Secura over Grange.

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

Where your home is can have a big impact on your monthly insurance payment. Typically, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the roads where they live.

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

Those in rural areas can expect to pay around $139 per month with Secura and $220 with Grange. People in suburban areas pay a monthly price of about $137 with Secura compared to $235 with Grange. For drivers in urban ZIP codes, Secura's average prices are around $161 while Grange offers rates about $292.

Grange vs. Secura Discounts

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

But with what seems like a million different discounts out there, it can be challenging 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 broke down all of the different discounts offered by both Grange and Secura so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Grange knocks Secura out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Secura's 19.

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

On the other hand, Secura has a few proprietary discounts of their own for things like advance quote discounts, low income discounts, new vehicle discounts, and more.

Final Thoughts: Is Grange or Secura Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which company is the best carrier for you and your specific driver profile?

Secura might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums rise.
• You want the most robust protection via a "full coverage" policy.
• You and your spouse are buying insurance together.

Grange might be best for you if...

• You're looking for discounts -- Grange has the most.

Hopefully, this guide has ben a valuable resource as you compare Grange and Secura. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

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

Grange vs. Secura FAQs

Is Grange or Secura cheaper?

Secura is the cheaper of the two carriers when looking at national average rates, with policies averaging $146 per month with Secura and $249 for Grange. But that doesn't mean Secura will be the lowest carrier for every policyholder, since there are a bunch of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Secura?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Grange and Secura offer me different rates?

Auto insurance companies use many different factors when determining the premiums they charge. Variables such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all be taken into consideration. Both Grange and Secura use 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 multiple different carriers.

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

The only way to find the car 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 Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers 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 Secura 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.