Grange vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, United Financial Casualty Company offers significantly cheaper rates than Grange
• Grange offers more discounts than United Financial Casualty Company
• United Financial Casualty Company has more affordable premiums for couples purchasing auto insurance together

Grange vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might be considering Grange or United Financial Casualty Company as your top options, but which company will offer you less expensive rates?

Looking at the national average rates for both companies, United Financial Casualty Company is quite a bit cheaper than Grange, with prices averaging $133 per month compared to $249 with Grange.

That being said, that doesn't mean United Financial Casualty Company will necessarily be more affordable than Grange for every single driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things), so premiums will vary quite a bit from person to person.

Luckily, we've broken down average rates from both Grange and United Financial Casualty Company by a range of different rate factors, so read on to find out which carrier is the best for you.

Grange or United Financial Casualty Company: Average Car Insurance Rates by State

Grange and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering cheaper premiums to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company prices are less expensive than insurance rates at Grange.

There are plenty of other factors that go into your auto insurance bill than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use United Financial Casualty Company save more than $200 a month compared to those who use Grange.

Even so, both companies will offer you dramatically lower prices once you turn 25. For example, average rates for Grange policyholders decrease nearly 65% and United Financial Casualty Company's prices lower over 65% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever see.

So, which company offers the best rates to retired drivers? United Financial Casualty Company gets the edge here, with average premiums coming in at about $95 per month compared to Grange's $200.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for those who are single than they are for married couples. This usually boils down to married drivers having several cars on their policy -- something lots of car insurance carriers will reward with discounts.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single drivers, with premiums around $130 per month more affordable than Grange, on average. For married policyholders, the advantage is clear again - United Financial Casualty Company has the edge when it comes to average rates.

Grange vs. United Financial Casualty Company: Average Rates by Gender

Men tend to pay more for auto insurance than 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 normally pay more than $10 a month more than women with Grange, while with United Financial Casualty Company, the difference is closer to $2 per month.

When it comes to the lowest premiums for each gender, United Financial Casualty Company offers the most affordable average rates for both men and women, with average prices 47% less for men and 46% cheaper for women.

Grange or United Financial Casualty Company: 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 variety 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 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 liability).

If you're looking for state minimum liability insurance, United Financial Casualty Company generally offers significantly cheaper rates of $79 compared to Grange's $185. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies about $150 a month less expensive than Grange, on average.

Is Grange or United Financial Casualty Company Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Collisions and tickets will most likely raise your prices, but is Grange or United Financial Casualty Company cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Grange policyholders can expect their rates to go up an average of $55 per month if they get a ticket, while United Financial Casualty Company typically raises premiums around $34 a month, on average.

But United Financial Casualty Company tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are $77 and $98 more affordable, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Grange drivers who get in an accident can expect to see their premiums increase by over 30%, while those who have insurance through United Financial Casualty Company will see about a 35% increase.

Overall, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with monthly prices averaging $158 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 -- normally a lot more than a collision or ticket. On average, Grange will raise your rates around 43% after a DUI, while United Financial Casualty Company's average prices rise by just under 25%.

If you have a DUI on your record and are looking for more affordable rates, United Financial Casualty Company tends to be the much less expensive option with average premiums of $134 a month compared to $314 from Grange.

How does Credit Score Impact Grange and United Financial Casualty Company Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating prices? This isn't always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

Car insurance companies 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, drivers with good credit will often be rewarded with cheaper rates.

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with United Financial Casualty Company. Drivers with "excellent" credit can save over 45% compared to Grange, and those with "good" scores can also expect to see savings -- about $103 or 46% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower rates than Grange when it comes to drivers with bad credit. Drivers with "fair" credit pay around $110 per month less with United Financial Casualty Company compared to Grange, and those with "poor" scores usually save an average of about $171 monthly.

Is Grange or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly auto insurance payment. Generally, 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.

United Financial Casualty Company tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. United Financial Casualty Company average premiums for drivers with 6,000 annual miles come in over $100 less expensive than Grange. Those who drive 12,000 miles yearly can expect to pay more than $100 less with United Financial Casualty Company over Grange.

Grange vs. United Financial Casualty Company: 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 insurance, but the type of area you live in can have a pretty big impact as well. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, United Financial Casualty Company generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both companies, but United Financial Casualty Company comes out on top with average premiums around $125 a month. United Financial Casualty Company also has cheaper average prices for drivers in urban and suburban ZIP codes -- a 52% and 43% a month respective difference when compared to Grange policyholders in similar areas.

Grange vs. United Financial Casualty Company Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and 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 qualify for.

Below, we've taken a look at all of the different discounts Grange and United Financial Casualty Company 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.

Grange blows United Financial Casualty Company away when it comes to the sheer amount of discounts available, offering 28 different discounts to United Financial Casualty Company's 18.

Both carriers offer quite a few of the same discounts -- like continuous insurance discounts, distant student discounts, discounts for being a good driver, and discounts for insuring multiple cars with the same company -- but Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that United Financial Casualty Company does not.

On the flip side, United Financial Casualty Company has a couple unique discounts of its own -- e-signature discounts, EFT discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Grange or United Financial Casualty Company Best for You?

You've seen the role certain variables have on your insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the best one for you and your specific driver profile?

United Financial Casualty Company might be best for you if....

• You're single and purchasing auto insurance by yourself.
• Your neighborhood is in the suburbs.
• You and your spouse are buying car insurance together.

Grange might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Grange and United Financial Casualty Company and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Grange and United Financial Casualty Company. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Grange vs. United Financial Casualty Company FAQs

Is Grange or United Financial Casualty Company cheaper?

Looking just at the national average rates, United Financial Casualty Company is the less expensive of the two carriers, offering average rates of $133 per month compared to $249 for Grange. However, United Financial Casualty Company won't necessarily be the most affordable company for each driver, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Grange or United Financial Casualty Company?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every driver -- it all boils down to your unique insurance profile.

Why do Grange and United Financial Casualty Company offer me different rates?

Car insurance companies take a look at many different variables when determining the premiums they charge drivers. Things like where you call home, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both Grange and United Financial Casualty Company use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Grange or United Financial Casualty Company is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies 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 area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Grange or United Financial Casualty Company 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.