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

Quick Facts

• Looking at the national averages for auto insurance, Vermont Mutual offers significantly cheaper premiums than Grange
• Grange offers more discounts than Vermont Mutual
• Vermont Mutual has less expensive prices for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. 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've maybe even narrowed it down to Grange or Vermont Mutual as potential options, but which one has more affordable rates for insurance?

Looking at the national average rates for both companies, Grange has average rates that are about 30% per month more expensive than those from Vermont Mutual.

But that doesn't necessarily mean Vermont Mutual will be the less expensive option for each driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so prices will vary quite a bit from person to person.

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

Grange or Vermont Mutual: Average Car Insurance Rates by State

Grange and Vermont Mutual only compete against each other in one states, with Vermont Mutual offering cheaper prices to the average driver in all of them. Massachusetts has the most noticable difference, where Vermont Mutual rates are over 20% more affordable than car insurance premiums at Grange.

That being said, there's a lot more that goes into your auto insurance payment than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Vermont Mutual for their insurance pay more than $200 less than those who use Grange.

That being said, both companies will reduce rates by the time drivers turn 25. For example, average premiums for Grange policyholders lower nearly 65% and Vermont Mutual's rates decrease over 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance prices you can find. After all, they've likely been driving for quite some time, which normally reduces their chances of accidents and other infractions that can increase premiums.

But who has the best prices for retired drivers between Grange and Vermont Mutual? Vermont Mutual gets the edge, with rates for drivers 65 and older almost 35% cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are usually more expensive for single policyholders than they are for married policyholders? That's generally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Vermont Mutual is the clear winner for single drivers, with rates around $93 a month more affordable than Grange, on average. The advantage is also clear for married couples - Vermont Mutual offers the lowest average premiums.

Grange vs. Vermont Mutual: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for car insurance than women.

On average, women see prices about 5% per month less with Grange, and nearly 10% less with Vermont Mutual when compared to their male counterparts.

Looking at the data for each company specifically, Vermont Mutual comes out as the cheapest option for both genders. On average, male drivers save about $75 a month and women save around $77 with Vermont Mutual compared to the average Grange policyholder.

Grange or Vermont Mutual: 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 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.

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers 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 coverage).

If you're looking for state minimum limits for liability insurance, Vermont Mutual normally offers significantly less expensive rates of $85 compared to Grange's $185. When it comes to full coverage policies with similar limits, Vermont Mutual again has the edge, with policies about $50 per month cheaper than Grange, on average.

Is Grange or Vermont Mutual Better for Drivers with Spotty Records?

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

At-fault accidents and tickets will most likely raise your premiums, but is Grange or Vermont Mutual less expensive 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 a month if they get a ticket, while Vermont Mutual generally raises prices around $7 per month, on average.

Even so, Vermont Mutual tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 35% more affordable for drivers with clean records and 47% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Grange can expect to see about an $86 -- or around 32% -- increase in their insurance premiums. Drivers who use Vermont Mutual for their car insurance will see a monthly bill about $27 (or 19%) more expensive after reporting an accident to their auto insurance carrier.

Overall, drivers who use Vermont Mutual end up with the cheaper prices after an accident, with monthly prices averaging $144 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 a collision. On average, Vermont Mutual will increase your rates around 62% after a DUI, while Grange's average premiums climb by just under 45%.

If you have a DUI on your record and are looking for more affordable rates, Vermont Mutual tends to be the much cheaper option with average premiums of $307 a month compared to $314 from Grange.

How does Credit Score Impact Grange and Vermont Mutual Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for a lot of drivers.

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, policyholders with good credit will often be rewarded with more affordable rates.

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Vermont Mutual. Policyholders with "excellent" credit can save over 45% compared to Grange, and those with "good" scores can also expect to see savings -- about $102 or 46% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Vermont Mutual typically offers lower premiums than Grange when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $90 a month less with Vermont Mutual compared to Grange, and those with "poor" scores normally save an average of about $53 monthly.

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

How much you drive can have a pretty big impact on your monthly prices. Generally, those who drive less will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Vermont Mutual charges. However, there's a small difference in monthly premiums for Grange, with policyholders who drive the least paying around $2 less each month compared to those who drive 12,000 miles annually. Still, Vermont Mutual is the cheaper option for drivers in both categories.

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

Where you live can play a big role in how much you pay for auto insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Vermont Mutual tends to offer the cheapest premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Vermont Mutual offers rates about $199 per month compared to Grange's $292. People who live in suburban ZIP codes can expect to pay around $169 per month for Vermont Mutual and $235 for Grange. Lastly, those in rural areas tend to get the most affordable premiums from both carriers, with average monthly rates coming in at $152 and $220 for Vermont Mutual and Grange respectively.

Grange vs. Vermont Mutual 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 auto insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by Grange and Vermont Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Grange blows Vermont Mutual away when it comes to the sheer amount of discounts available, offering 14 more discounts than Vermont Mutual.

There are a couple discounts both companies offer, but Grange also offers advanced safety feature discounts, agency transfer discounts, company car discounts, and more that Vermont Mutual does not.

On the flip side, Vermont Mutual has a couple unique discounts of its own -- advance quote discounts and experienced operator discounts.

Final Thoughts: Is Grange or Vermont Mutual Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Grange or Vermont Mutual the best carrier for you and your specific needs?

Vermont Mutual might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• Your home is in a busy urban area.
• You and your spouse are buying auto insurance together.

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 better idea of the difference between Grange and Vermont Mutual. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of companies, not just Grange and Vermont Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Grange vs. Vermont Mutual FAQs

Is Grange or Vermont Mutual cheaper?

Looking just at the national average prices, Vermont Mutual is the more affordable of the two companies, offering average rates of $173 a month compared to $249 for Grange. However, Vermont Mutual won't necessarily be the lowest carrier for every policyholder, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Vermont Mutual?

Unfortunately, the only answer we can give you is "it depends.". Neither company is necessarily "better" for each driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Grange and Vermont Mutual offer me different rates?

Insurance carriers take a look at many different factors when determining the premiums they charge policyholders. Variables like 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 Vermont Mutual calculate prices using 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 a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Grange or Vermont Mutual 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.