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

Quick Facts

• Based on national averages for insurance, Travelers offers significantly cheaper prices than Grange
• Grange offers more discounts than Travelers
• Travelers has more affordable premiums for drivers who have received a ticket within the last few years

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Grange or Travelers as your top options, but which company has less expensive rates for car insurance?

Looking at the national average rates for both companies, Travelers is quite a bit cheaper than Grange, with premiums averaging $167 per month compared to $249 with Grange.

That being said, Travelers may not be the lowest or best option for each driver out there. Insurance carriers vary their prices depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and a variety of other factors. So, at the end of the day, rates from each company will differ quite a bit from person to person.

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

Grange or Travelers: Average Car Insurance Rates by State

Grange and Travelers compete against each other in eight states, with Grange offering cheaper prices to the average driver in all of them. Delaware has the most noticable difference, where Travelers premiums are over 50% more affordable than auto insurance prices at Grange.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your rates. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. That's usually 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 car insurance prices. As you can see above, teens who use Travelers save nearly $200 a month compared to those who use Grange.

Even so, both carriers will reduce rates by the time drivers turn 25. For example, average premiums for Grange policyholders lower almost 65% and Travelers's prices drop more than 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance premiums out there. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase rates.

But who has the best prices for retired drivers between Grange and Travelers? Travelers gets the edge here, with average premiums coming in at about $132 monthly compared to Grange's $200.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Travelers is the clear winner for single drivers, with prices around $101 per month more affordable than Grange, on average. The advantage for married drivers with Travelers is also obvious, where drivers save nearly 30% a month.

Grange vs. Travelers: Average Rates by Gender

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

On average, men see premiums over $10 per month higher with Grange, while with Travelers, the difference is closer to $11 a month.

Looking at overall affordability, Travelers comes out as the cheapest option for both genders. On average, male drivers save about $83 per month and women save about $82 with Travelers compared to the average Grange policyholder.

Grange or Travelers: 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, car insurance can be pretty complicated. There are a variety of different coverages that account for several 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.

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

If you're looking for state minimum liability insurance, Travelers usually offers significantly less expensive rates of $108 compared to Grange's $185. When it comes to full coverage policies with similar limits, Travelers again has the edge, with policies around $90 a month cheaper than Grange, on average.

Is Grange or Travelers Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and accidents lead to higher prices, but which company -- Grange or Travelers -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their premiums to go up an average of $55 per month if they get a ticket, while Travelers generally raises prices about $32 a month, on average.

That being said, Travelers is typically the less expensive option for drivers both with a speeding ticket and with a clean record -- their rates are around 29% cheaper for drivers with clean records and 32% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Grange drivers who get in an accident can expect to see their premiums climb by over $85, while those who have insurance through Travelers will see around a $45 increase.

Overall, drivers who use Travelers end up with the cheaper prices after an accident, with monthly rates averaging $173 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 car insurance bill -- generally a lot more than a collision or ticket. On average, Grange will climb your prices about 43% after a DUI, while Travelers's average premiums rise by just under 40%.

How does Credit Score Impact Grange and Travelers Rates?

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

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the best premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Grange or Travelers 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 rates? Typically, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Travelers offers more affordable rates than Grange. Grange average prices for drivers with 6,000 annual miles come in around $84 more expensive than Travelers. Those who drive 12,000 miles every year can expect to pay about $81 more with Grange over Travelers.

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

Where you live can play a considerable role in how much you pay for auto insurance. Usually, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the roads in those areas.

Travelers tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Travelers offers prices around $204 a month compared to Grange's $292. People who live in suburban ZIP codes can expect to pay about $160 per month for Travelers and $235 for Grange. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly premiums coming in at $136 and $220 for Travelers and Grange respectively.

Grange vs. Travelers Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many 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.

In the table below, we've taken a look at all of the different discounts Grange and Travelers offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Grange comes out ahead with 28 discounts to Travelers's 25.

A couple of those are overlapping for things like anti-theft discounts, COVID-19 relief discount, discounts for being a defensive driver, and discounts for being a good driver. Grange also offers advanced safety feature discounts, agency transfer discounts, annual mileage discounts, and more that Travelers does not.

On the flip side, Travelers has a couple unique discounts of its own -- advance quote discounts, alternative fuel discounts, DRL discounts, and more.

Final Thoughts: Is Grange or Travelers Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Grange or Travelers the best one for you and your specific driver profile?

Travelers might be best for you if....

• You have a DUI charge on your record.
• You live in an suburban area.
• Your neighborhood is in a rural area.

Grange might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Grange and Travelers. 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 a handful of companies, not just Grange and Travelers. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Grange vs. Travelers FAQs

Is Grange or Travelers cheaper?

Looking just at the national average premiums, Travelers is the cheaper of the two companies, offering average rates of $167 a month compared to $249 for Grange. Even so, Travelers won't necessarily be the cheapest carrier for each policyholder, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Travelers?

Sadly, the answer truly is "it depends.". No one company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Grange and Travelers offer me different rates?

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

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Grange or Travelers 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.