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

Quick Facts

• Based on national averages for insurance, State National offers significantly less expensive prices than Grange
• Grange has cheaper premiums for drivers who have less-than-stellar credit
• State National offers more affordable prices for policyholders who may not have much of a commute

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Grange or State National for your next policy, but which carrier has more affordable premiums for car insurance?

Looking at the national average rates for both companies, Grange is quite a bit more expensive than State National, with rates averaging $249 per month compared to just $159 with State National.

Even so, that doesn't necessarily mean State National will be the cheaper option for each driver. Insurance carriers vary their premiums depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a ton of other factors, so prices could change drastically from person to person.

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

Grange or State National: Average Car Insurance Rates by State

Grange and State National only compete against each other in California, where Grange offers the cheaper average premiums. For California residents, Grange offers auto insurance for $137 monthly on average. State National's average rates come out to be over 15% more expensive, at $159 a month.

But there's more to calculating insurance prices than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

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

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. Just look at the table above -- where 18-year-old drivers who have State National for their insurance pay nearly $250 less than those who use Grange.

However, both companies will reduce premiums by the time drivers turn 25. For example, average prices for Grange policyholders decrease almost 65% and State National's rates drop more than 50% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Grange and State National specifically, which carrier is best for retired drivers? State National gets the edge, with prices for drivers 65 and older over 40% more affordable than the national average for Grange.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married couples normally cover more than one car, which a lot of carriers will offer you a discount for.

When it comes to relationship status, State National is the clear winner for single drivers, with prices about $110 a month less expensive than Grange, on average. For married drivers, the advantage is clear again - State National has the edge when it comes to average premiums.

Grange vs. State National: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

Women typically pay around 5% per month less than men with Grange; and with State National, both genders end up paying the same monthly price.

When it comes to the cheapest prices for each gender, State National comes out on top for both men and women. On average, women save about $84 a month and men save about $96 with State National compared to the average Grange policyholder.

Grange or State National: 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 insurance can be pretty complicated. There are lots of different coverages that account for a bunch 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 that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability insurance, State National generally offers significantly cheaper premiums of $79 compared to Grange's $185. When it comes to full coverage policies with similar limits, State National again has the edge, with policies around $75 per month less expensive than Grange, on average.

Is Grange or State National 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.

Tickets and at-fault accidents will most likely raise your rates, but is Grange or State National more affordable 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 a month if they get a ticket, while State National usually raises rates about $40 per month, on average.

That being said, State National tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 43% less expensive for drivers with clean records and 40% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Grange increasing by over $85. State National has a less extreme climb, but you can still expect to pay $40 more than you were prior to your first collision.

Overall, State National offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $142 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. State National drivers usually see a 60% raise in their car insurance rates after a DUI charge, while Grange will normally increase prices by around 43%.

If you have a DUI on your record and are looking for more affordable rates, State National tends to be the much cheaper option with average premiums of $252 per month compared to $314 from Grange.

How does Credit Score Impact Grange and State National Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for quite a few drivers.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable rates.

So, which company offers the cheapest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Normally, if you have fantastic credit, you can expect to be rewarded. With Grange Insurance, improving your score from "good" to "excellent" will typically save you about $30. undefined, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Grange Insurance. If your credit score is in the "poor" range, at Grange Insurance, you may pay around $90 more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with undefined over Grange Insurance.

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

How much you drive can have a substantial impact on your monthly rates. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, State National offers less expensive prices than Grange. Grange's average premiums for drivers with 6,000 annual miles come in just under 45% more expensive than State National. Those who drive 12,000 miles each year can expect to pay nearly 30% more with Grange over State National.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a sizable impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

State National tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, State National offers premiums about $173 monthly compared to Grange's $292. People who live in suburban ZIP codes can expect to pay around $163 per month for State National and $235 for Grange. Lastly, those in rural areas tend to get the cheapest rates from both companies, with average monthly premiums coming in at $143 and $220 for State National and Grange respectively.

Grange vs. State National Discounts

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

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

In the section below, we've taken a look at all of the different discounts Grange and State National 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 State National out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to State National's 10.

There are a couple discounts both carriers offer, but Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that State National does not.

On the flip side, State National has a unique discount of its own -- a auto-pilot discounts.

Final Thoughts: Is Grange or State National 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, is Grange or State National the right fit for you?

State National might be best for you if....

• You're single and purchasing insurance by yourself.
• You live in an suburban 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 below-average credit.
• Your credit score is high.
• You're looking for discounts -- Grange has the most.

We hope this guide helps you get a better idea of the difference between Grange and State National. We also hope we've given you the information you need to make the best decision about your insurance.

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

Grange vs. State National FAQs

Is Grange or State National cheaper?

Looking just at the national average prices, State National is the cheaper of the two carriers, offering average rates of $159 a month compared to $249 for Grange. Even so, State National won't necessarily be the lowest carrier for every policyholder, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Grange or State National?

Sadly, the only answer we can give you is "it depends.". One company is not "better" for each driver -- it all depends on the makeup of your unique auto insurance profile. For example, State National offers more affordable rates for drivers with a recent DUI, while Grange is cheaper for drivers with excellent credit.

Why do Grange and State National offer me different rates?

Car insurance companies take a look at several different factors when calculating the premiums they charge drivers. Variables such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all come into play. Both Grange and State National use different formulas, 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 several different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple 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 free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Grange or State National 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.