Grange vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• In general, Western Reserve Group offers significantly less expensive prices than Grange
• Grange may help you save more money -- they offer more discounts than Western Reserve Group
• Western Reserve Group offers more affordable premiums for policyholders who are looking to purchase insurance with a spouse

Grange or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Grange or Western Reserve Group for your next policy, but between the two, which company will offer you more affordable rates?

As you can see, Grange has average rates that are around 45% a month more expensive than those from Western Reserve Group when looking at the national average rates for car insurance.

Even so, that doesn't necessarily mean Western Reserve Group will be the cheaper option for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so premiums will differ quite a bit from person to person.

So, if you want to find out which of Grange or Western Reserve Group is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

Grange vs. Western Reserve Group: Average Car Insurance Rates by State

Grange and Western Reserve Group only compete against each other in one states, with Grange offering less expensive rates to the average driver in all of them. Ohio has the most noticable difference, where Grange prices are $13 more affordable than car insurance premiums at Western Reserve Group.

That being said, there's a lot more that goes into your insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Western Reserve Group save almost 50% per month compared to those who use Grange.

That being said, both companies will offer you dramatically lower premiums once you turn 25. Western Reserve Group offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Grange's average prices lower nearly 65% during that same period.

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 out there.

So, which carrier offers the best rates to retired drivers? Western Reserve Group gets the edge, with prices for drivers 65 and older over 45% less expensive than the national average for Grange.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Western Reserve Group rates coming in at about half of Grange's. The advantage is also clear for married drivers - Western Reserve Group offers the most affordable average prices.

Grange or Western Reserve Group: Average Rates by Gender

Men generally pay more for car insurance than women. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher premiums.

Women normally pay around 5% a month less than men with Grange, but surprisingly, with Western Reserve Group, women typically pay about 1% more per month than men.

Looking at overall affordability, Western Reserve Group comes out on top for both men and women, with average prices 47% less for men and 43% cheaper for women.

Grange vs. Western Reserve Group: 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 auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, Western Reserve Group has the significant edge, with average monthly premiums coming in at $94. If you want a full coverage policy with the same state minimum limits, Western Reserve Group again has the edge, with policies averaging around $180 a month to Grange's $313.

Is Grange or Western Reserve Group Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Grange for their auto insurance can usually expect their monthly bill to go up about 23% after getting a speeding ticket. Western Reserve Group policyholders can expect a bit more drastic of an increase of around 28%.

Even so, Western Reserve Group is generally the more affordable option for drivers both with clean records and with a ticket. With Western Reserve Group, drivers with a clean record can save about $92 per month and drivers with a speeding ticket can save around $113 a month.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Grange climbing by about 32%. Western Reserve Group has a less extreme climb, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, Western Reserve Group offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $120 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. Grange drivers usually see a 43% increase in their insurance prices after a DUI charge, while Western Reserve Group will usually raise rates by around 60%.

But if you end up with a DUI charge and are looking for more affordable premiums, Western Reserve Group tends to be cheaper for the average driver, with monthly premiums coming in at about $218 to Grange's $314.

How does Credit Score Impact Grange and Western Reserve Group Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly car insurance prices. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it will come into play for many drivers.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Western Reserve Group will normally reward you the most. For drivers with "excellent" credit scores, Western Reserve Group comes in over 46.63 less expensive. Drivers with "good" credit scores typically save around 48% with Western Reserve Group compared to average premiums from Grange.

Which Company is Best for Drivers with Bad Credit?

Western Reserve Group typically offers lower rates than Grange when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 45% per month less with Western Reserve Group compared to Grange, and those with "poor" scores normally save an average of around 45% per month.

Is Grange or Western Reserve Group 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 payment. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

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

Grange or Western Reserve Group: 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 substantial 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.

Western Reserve Group tends to offer the lowest premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Western Reserve Group's average rates are around $147 while Grange offers premiums about $292. People in suburban areas pay around $139 with Western Reserve Group compared to Grange's $235 a month. If you live in a rural area, you can expect to pay about $125 monthly with Western Reserve Group compared to Grange's $220.

Grange vs. Western Reserve Group Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Grange and Western Reserve Group offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Grange blows Western Reserve Group away when it comes to the sheer amount of discounts available, offering 28 different discounts to Western Reserve Group's 11.

A couple of those are overlapping for things like agency transfer discounts, company car discounts, distant student discounts, and multi-policy discounts. Grange also offers discounts for ABS, advanced safety feature, annual mileage, and more.

On the other hand, Western Reserve Group has a few proprietary discounts of their own like advance quote discounts and homeowner discounts.

Final Thoughts: Is Grange or Western Reserve Group Best for You?

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

Western Reserve Group might be best for you if....

• Your credit is less-than-stellar.
• Your credit score is high.
• You live in a rural area.

Grange might be best for you if...

• You're looking for discounts -- Grange has the most.

Hopefully, this guide helps you get a better idea of the difference between Grange and Western Reserve Group. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from a handful of companies, not just Grange and Western Reserve Group. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Grange vs. Western Reserve Group FAQs

Is Grange or Western Reserve Group cheaper?

Western Reserve Group is the more affordable of the two companies when looking at national average prices, with policies averaging $137 a month with Western Reserve Group and $249 for Grange. That being said, that doesn't mean Western Reserve Group will be the cheapest company for each policyholder, since there are a bunch of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Grange or Western Reserve Group?

Sadly, the answer truly is "it depends.". One carrier is not "better" for every policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Grange and Western Reserve Group offer me different rates?

Insurance carriers use quite a few different factors when determining the rates they charge. Things such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be used. Both Grange and Western Reserve Group calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Grange or Western Reserve Group is right for me?

The only way to find the auto insurance carrier 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 make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Grange or Western Reserve Group at all, but another you hadn't even thought of!

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.