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

How do Grange and Wolverine Mutual compare when it comes to insurance rates and discounts? If you want to find out which company has the best premiums for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Wolverine Mutual offers cheaper prices than Grange
  • Grange has less expensive rates for residents of urban areas
  • Wolverine Mutual tends to be a much more affordable option for policyholders who drive fewer than 12,000 miles annually

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

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

You've maybe even narrowed it down to Grange or Wolverine Mutual, but between the two, which carrier will save you the most?

Grange Wolverine Mutual

Looking at the national average rates for both companies, Grange is about $25 more per month than Wolverine Mutual.

That being said, that doesn't mean Wolverine Mutual will necessarily be cheaper than Grange for every driver. Auto insurance carriers vary their premiums depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and a ton of other factors. So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

So, if you want to find out which of Grange or Wolverine Mutual is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Grange or Wolverine Mutual: Average Car Insurance Rates by State

State Grange Wolverine Mutual

Grange and Wolverine Mutual only compete against each other in Michigan, where Wolverine Mutual offers the cheaper average premiums. For Michigan residents, Wolverine Mutual offers car insurance for $224 per month on average. Grange's average prices come out to be over 70% more expensive, at $695 a month.

That being said, there are plenty of other factors that go into your insurance bill than just your home state. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Grange Wolverine Mutual
18-year-old drivers$551$432
25-year-old drivers$205$290

Young drivers -- especially teens -- typically pay a lot for auto 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.

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 Wolverine Mutual save more than $100 a month compared to those who use Grange.

But with both companies, you'll see your prices reduce significantly once you turn 25. For example, average rates for Grange policyholders decrease nearly $350 and Wolverine Mutual's premiums drop around $150 over that time.

Which is the Best Company for Retired Drivers?

Grange Wolverine Mutual
65+-year-old drivers$200$119

Once you approach retirement age, you'll normally enjoy the cheapest car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

But who has the best rates for retired drivers between Grange and Wolverine Mutual? Wolverine Mutual gets the edge here, with average premiums coming in at about $119 monthly compared to Grange's $200.

Which is the Best Company for Married Drivers?

Grange Wolverine Mutual

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

When it comes to relationship status, Wolverine Mutual is the clear winner for those who are single, with rates around $41 per month more affordable than Grange, on average. But for married drivers, that advantage is much less clear - Wolverine Mutual offers the lowest average prices , but the difference is less than $5.

Grange vs. Wolverine Mutual: Average Rates by Gender

Grange Wolverine Mutual

Because men are more likely to get into accidents and get speeding tickets, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will tend to offer men more expensive premiums.

Typically, women see rates over $10 a month less expensive with Grange; men and women end up paying the same monthly premiums with Wolverine Mutual.

When it comes to the most affordable prices for each gender, Wolverine Mutual comes out on top for both men and women, with average rates 12% less for men and 8% cheaper for women.

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Grange or Wolverine Mutual: Compare State Minimum vs. Full Coverage Rates

Grange Wolverine Mutual
State Minimum*$185$114
Full Coverage**$313$335

*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 car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

In this case, Wolverine Mutual offers the cheapest average prices for state minimum limits for liability insurance, while Grange has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $70 with Wolverine Mutual, while full coverage comes out to be about $20 cheaper with Grange Insurance.

Is Grange or Wolverine Mutual 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 accidents and tickets on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Grange Wolverine Mutual
Clean Record$180$146
1 Speeding Ticket$235$175

Grange policyholders can expect their prices to go up an average of $55 per month if they get a ticket, while Wolverine Mutual generally raises premiums around $29 a month, on average.

Even so, Wolverine Mutual is usually the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 19% more affordable for drivers with clean records and 26% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Grange Wolverine Mutual
Clean Record$180$146
1 At-Fault Accident$266$188

Grange policyholders who get in a collision can expect to see their rates increase by over 30%, while those who have insurance through Wolverine Mutual will see about a 20% increase.

Overall, the more affordable prices come from Wolverine Mutual, with monthly premiums averaging $188 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Grange Wolverine Mutual
Clean Record$180$146
1 DUI$314$389

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than an accident or ticket. On average, Wolverine Mutual will increase your rates around 62% after a DUI, while Grange's average prices rise by just under 45%.

If you have a DUI on your record and are looking for more affordable rates, Grange tends to be the much cheaper option with average premiums of $314 per month compared to $389 from Wolverine Mutual.

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How does Credit Score Impact Grange and Wolverine Mutual Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for several drivers.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking specifically at Grange and Wolverine Mutual, which one has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Grange Wolverine Mutual
Excellent Credit Score$193$147
Good Credit Score$223$174

Michigan is one of a just a few states that does not allow insurance carriers from using credit scores to determine prices. And since Wolverine Mutual is only available in Michigan, there is no data available on how credit score impacts rates because it's not a factor at all. This may be a good thing, since Grange and other companies tend to increase premiums quite a bit in other states if you don't have excellent credit.

Which Company is Best for Drivers with Bad Credit?

Grange Wolverine Mutual
Fair Credit Score$252$245
Poor Credit Score$343$333

If you have less-than-perfect credit and live in Michigan, the good news is it won't cost you extra when it comes to car insurance. As you can see, poor credit can really cost Grange drivers in other states, but no need to worry if you live in Michigan.

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

Grange Wolverine Mutual
6,000 Annual Miles$248$224
12,000 Annual Miles$250$224

How much you drive can have a large impact on your monthly auto insurance payment. Normally, those who drive less will end up with more affordable prices since there's less of a chance of getting into a collision 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 Wolverine Mutual charges. However, there's a small difference in monthly rates for Grange, with drivers who put 6,000 miles on their vehicle every year paying about $2 less each month compared to those who drive 12,000 miles yearly. Still, Wolverine Mutual is the cheaper option for drivers in both categories.

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

Where you call home can have a considerable impact on your monthly insurance cost. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the roads in those areas.

Grange Wolverine Mutual
Urban Areas$292$344
Suburban Areas$235$192
Rural Areas$220$137

When comparing these two carriers side-by-side, Wolverine Mutual tends to offer the lowest option for drivers in rural and suburban areas, while Grange wins in urban areas.

In urban areas, Grange Insurance's average premiums are around 15% less than Wolverine Mutual. Drivers in suburban ZIP codes pay about 18% less with Wolverine Mutual compared to Grange. If you live in a rural area, you can expect to save around 38% with Wolverine Mutual compared to Grange.

Grange vs. Wolverine Mutual Discounts

You want to save as much money as possible, right? 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 hard to find all the ones you can take advantage of.

In the section below, we've taken a look at all of the different discounts Grange and Wolverine Mutual offer their customers so that you can see which company can save you the most money each month.

Grange Wolverine Mutual
ABS Discount
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Legacy Discount 
Life Policy Discount 
Mature Driver Discount 
Military Discount 

Grange blows Wolverine Mutual away when it comes to the sheer amount of discounts available, offering 19 more discounts than Wolverine Mutual.

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

On the flip side, Wolverine Mutual has a couple unique discounts of its own -- military discounts and seat belt discounts.

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

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

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

  • You're single and purchasing car insurance by yourself.
  • You want basic auto insurance coverage at the state minimum limits.
  • You are over 65 years old and want to save some money on your car insurance.

Grange might be best for you if...

  • You want to save extra money with discounts.
  • You're looking for more protection with "full coverage" insurance.
  • Your neighborhood is in a city.

We hope this guide helps you get a better idea of the difference between Grange and Wolverine Mutual and that it aids in making a more informed decision about your car 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 companies, not just Grange and Wolverine Mutual. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

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Grange vs. Wolverine Mutual FAQs

Is Grange or Wolverine Mutual cheaper?

Looking just at the national average prices, Wolverine Mutual is the less expensive of the two companies, offering average rates of $224 per month compared to $249 for Grange. But Wolverine Mutual won't necessarily be the most affordable carrier for every driver, 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 Wolverine Mutual?

Unfortunately, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all boils down to your unique car insurance profile. For example, Grange offers cheaper rates for drivers with a recent DUI, while Wolverine Mutual is more affordable for drivers with excellent credit.

Why do Grange and Wolverine Mutual offer me different rates?

Insurance carriers take a look at lots of different factors when calculating the premiums they charge policyholders. Variables such as where you park your vehicle, age, gender, where you live, and sometimes even things like your credit score can all come into play. Both Grange and Wolverine Mutual calculate rates using different factors, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto 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, makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Grange or Wolverine Mutual at all!


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.

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