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

Quick Facts

• In general, Wawanesa offers significantly cheaper premiums than Grange
• Grange tends to be a much more affordable option for drivers who have less-than-stellar credit
• Wawanesa offers more affordable prices for people who are single and purchasing auto insurance by yourself

Grange vs. Wawanesa: 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 huge discounts. But exactly how much can you save by switching?

You might be considering Grange or Wawanesa as potential options, but which carrier will save you the most?

As you can see, Wawanesa has average rates that are about 60% per month cheaper than those from Grange when looking at the national average rates for insurance.

That being said, that doesn't mean Wawanesa will necessarily be more affordable than Grange for every driver. Car insurance companies vary their premiums depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a variety of other factors, so prices could differ drastically from person to person.

So, if you want to find out which of Grange or Wawanesa is really the best for you, keep reading to see average rates for each carrier broken down by lots of different rate factors.

Grange or Wawanesa: Average Car Insurance Rates by State

Grange and Wawanesa only compete against each other in California, where Wawanesa offers the cheaper average prices. For California residents, Wawanesa offers insurance for $104 per month on average. Grange's average rates come out to be over 30% more expensive, at $137 a month.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers. That's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $400 less a month by choosing Wawanesa over Grange.

Even so, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Grange policyholders reduce almost $350 and Wawanesa's rates decrease around $70 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 find.

So, which company offers the best prices to retired drivers? Wawanesa gets the edge, with rates for drivers 65 and older more than 55% less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Wawanesa is the clear winner for single drivers, with premiums about $172 per month cheaper than Grange, on average. For married drivers, the advantage is clear again - Wawanesa has the edge when it comes to average rates.

Grange vs. Wawanesa: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for insurance than women.

Typically, men see prices over $10 a month higher with Grange; women and men get the same monthly premiums with Wawanesa.

Looking at overall affordability, Wawanesa comes out as the lowest option for both genders, with average rates $151 less for men and $139 cheaper for women.

Grange or Wawanesa: 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.

Car insurance can be a complicated subject for most people. There are multiple 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.

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 and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability limits, Wawanesa typically offers significantly less expensive prices of $64 compared to Grange's $185. When it comes to full coverage policies with similar limits, Wawanesa again has the edge, with policies around $150 per month more affordable than Grange, on average.

Is Grange or Wawanesa 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.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with spotty 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 Wawanesa normally raises premiums about $31 per month, on average.

But Wawanesa has cheaper prices for drivers in both categories, offering rates that are $106 and $130 less expensive, respectively, compared to Grange Insurance.

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% -- increase in their auto insurance prices. Drivers who use Wawanesa for their insurance will see a monthly bill around $39 (or 35%) more expensive after reporting an accident to their car insurance carrier.

Overall, the more affordable premiums come from Wawanesa, with monthly rates averaging $113 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 auto insurance bill -- generally a lot more than a collision or speeding ticket. Grange drivers usually see a 43% increase in their car insurance premiums after a DUI charge, while Wawanesa will typically climb prices by about 41%.

If you have a DUI on your record and are looking for more affordable premiums, Wawanesa tends to be the much cheaper option with average prices of $125 monthly compared to $314 from Grange.

How does Credit Score Impact Grange and Wawanesa Rates?

Did you know that many auto insurance companies take your credit score into account when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

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, policyholders with bad credit will often be forced to pay more.

Looking at Grange and Wawanesa specifically, which one has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have excellent credit, Grange Insurance will usually reward you. Improving your "good" credit score to an "excellent" one will typically save Grange Insurance customers around $30. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Grange Insurance. As you can see, Grange Insurance customers with poor credit scores pay about 25% a month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, because undefined doesn't have data available for credit scores, they may have better premiums for drivers with bad credit over Grange Insurance.

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

How much you drive can have a considerable impact on your monthly car insurance cost. Usually, the more miles you drive, the more you can expect to pay for insurance.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Wawanesa offers less expensive prices than Grange. Wawanesa's average rates for drivers with 6,000 annual miles come in over 60% more affordable than Grange. Those who drive 12,000 miles yearly can expect to pay more than 55% less with Wawanesa over Grange.

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

Where you live can have a sizable impact on your monthly auto insurance bill. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Wawanesa normally comes out as the most affordable 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 premiums from both companies, but Wawanesa comes out on top with average rates around $95 per month. Wawanesa also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a $178 and $130 per month respective difference when compared to Grange policyholders in similar areas.

Grange vs. Wawanesa Discounts

Regardless of why you might be in the market for a new 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 with what seems like a million different discounts out there, it can be hard to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

In the table below, we've taken a look at all of the different discounts Grange and Wawanesa offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Grange blows Wawanesa away when it comes to the sheer amount of discounts available, offering 28 different discounts to Wawanesa's two.

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

Wawanesa's discounts come through just two categories -- Good Driving and Mature Driver.

Final Thoughts: Is Grange or Wawanesa Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance carrier is the right company for you, your vehicle, and your wallet?

Wawanesa might be best for you if....

• You have a DUI charge on your record.
• Your neighborhood is in a city.
• You've started working from home and don't have much of a commute.

Grange might be best for you if...

• You have below-average credit.
• Your credit score is high.
• You care about discounts (Grange offers the most).

We hope this guide helps you get a better idea of the difference between Grange and Wawanesa. We also hope we've given you the information you need to make the best decision when it comes to 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 Wawanesa. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Grange vs. Wawanesa FAQs

Is Grange or Wawanesa cheaper?

Looking just at the national average prices, Wawanesa is the more affordable of the two carriers, offering average rates of $104 a month compared to $249 for Grange. However, Wawanesa won't necessarily be the cheapest company for everyone, since there are many different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Grange or Wawanesa?

Sadly, the answer truly is "it depends.". Neither carrier is necessarily "better" for every driver -- it all boils down to your unique auto insurance profile. For example, Wawanesa offers less expensive rates for drivers with an at-fault accident on their record, while Grange is cheaper for drivers who have less-than-stellar credit scores.

Why do Grange and Wawanesa offer me different rates?

Insurance companies take a look at several different factors when determining the prices they charge policyholders. Things like your driving record, where you park your car, gender, age, and sometimes even things like your credit score can all come into play. Both Grange and Wawanesa calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car 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 does all the hard work for you. Just enter your information once 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 lowest rate. And who knows, the best company for you might not be Grange or Wawanesa 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.