Grange vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Workmen's Auto offers significantly cheaper rates than Grange
• Grange may help you save more money -- they offer more discounts than Workmen's Auto Insurance
• Workmen's Auto tends to be a much more affordable option for single people who will be the only person on the insurance policy

Grange or Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Grange or Workmen's Auto as your top options, but between the two, which carrier has cheaper premiums for car insurance?

Looking at nationwide averages, Workmen's Auto has average rates that are around 40% a month more affordable than those from Grange.

That being said, that doesn't necessarily mean Workmen's Auto will be the less expensive option for each driver. Auto insurance carriers vary their rates depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and all sorts of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

Grange vs. Workmen's Auto: Average Car Insurance Rates by State

Grange and Workmen's Auto only compete against each other in California, where Grange offers the cheaper average rates. Grange drivers tend to pay about $14 per month less on average compared to drivers who use Workmen's Auto for their insurance.

That being said, there's a lot more that goes into your auto insurance bill than just where you call home. Continue reading to see how other variables 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 insurance than any other group of drivers out there on the road. Generally, that's because teen 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 almost 40% less a month by choosing Workmen's Auto over Grange.

Even so, with both companies, you'll see your premiums lower significantly once you turn 25. For example, average rates for Grange policyholders decrease about $350 and Workmen's Auto's premiums drop nearly $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Grange and Workmen's Auto specifically, which carrier is best for retired drivers? Workmen's Auto gets the edge, with rates for drivers 65 and older $76 cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

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

For those who are single, the difference in average rates between these two companies is significant, with Workmen's Auto premiums coming in at a third less than Grange's. The advantage for married couples with Workmen's Auto is also obvious, where drivers save around $75 per month.

Grange or Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll normally end up paying more for insurance than women.

On average, men see prices about 5% a month higher with Grange; men and women get the same monthly premiums with Workmen's Auto.

Looking at overall affordability, Workmen's Auto offers the most affordable average prices for both men and women. On average, women save about $92 per month and men save around $104 with Workmen's Auto compared to the average Grange policyholder.

Grange vs. Workmen's Auto: 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, car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Workmen's Auto has the significant edge, with average monthly rates coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging about $235 a month to Grange's $313.

Is Grange or Workmen's Auto Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault collisions and speeding tickets lead to higher prices, but which company -- Grange or Workmen's Auto -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Grange for their car insurance can generally expect their monthly bill to go up around 23% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of about 23%.

But Workmen's Auto is typically the less expensive option for drivers both with a ticket and with a clean record, offering rates that are $69 and $90 more affordable, respectively, compared to Grange Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Grange increasing by around 32%. Workmen's Auto has a less extreme increase, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with average rates coming in at $156 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 speeding ticket or even a collision. On average, Grange will raise your premiums about 43% after a DUI, while Workmen's Auto's average rates increase by more than 40%.

But if you end up with a DUI charge and are looking for more affordable prices, Workmen's Auto tends to be cheaper for the average driver, with monthly premiums coming in at around $191 to Grange's $314.

How does Credit Score Impact Grange and Workmen's Auto Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly insurance premiums. This isn't true for everyone (California, for example, has banned the use of credit score as a car insurance factor) but it might come into play for several drivers.

Auto 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 prices.

Looking specifically at Grange and Workmen's Auto, which company has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Grange Insurance will usually reward you. Jumping from a "good" credit score to an "excellent" one will normally save Grange Insurance customers about $30. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Grange Insurance. For drivers with less-than-stellar credit, at Grange Insurance, you may pay around 25% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over Grange Insurance.

Is Grange or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly insurance payment? Usually, those who drive less will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

Workmen's Auto tends to be the more affordable option for both remote workers and those taking short commutes. Workmen's Auto's average rates for drivers with 6,000 annual miles come in just under 50% cheaper than Grange. Those who drive 12,000 miles yearly can expect to pay 30% less with Workmen's Auto over Grange.

Grange or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a big impact on your monthly car insurance cost. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads where they live.

Workmen's Auto boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay about $149 monthly with Workmen's Auto compared to Grange's $220. People in suburban areas pay a monthly premium of around $154 with Workmen's Auto compared to $235 with Grange. In urban areas, Workmen's Auto's average rates are about $149 while Grange offers premiums around $292.

Grange vs. Workmen's Auto Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Grange and Workmen's Auto so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Grange knocks Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Workmen's Auto's four.

Both carriers offer a lot of the same discounts -- like discounts for being a good driver, mature driver discounts, and renewal discounts -- but Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Workmen's Auto has a proprietary discount of their own -- a driver-vehicle combination discounts.

Final Thoughts: Is Grange or Workmen's Auto Best for You?

So, you've seen how different variables can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right company for you and your specific needs?

Workmen's Auto might be best for you if....

• You will be the only person on the auto insurance policy.
• Your neighborhood is in the suburbs.
• You drive fewer than 6,000 miles annually.

Grange might be best for you if...

• Your credit is below-average.
• You have above-average credit.
• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Grange and Workmen's Auto. We also hope we've given you the information you need to make the best decision about 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 auto insurance -- comparing quotes from multiple companies, not just Grange and Workmen's Auto. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Grange vs. Workmen's Auto FAQs

Is Grange or Workmen's Auto cheaper?

Workmen's Auto is the less expensive of the two companies when looking at national average rates, with policies averaging $151 a month with Workmen's Auto and $249 for Grange. However, that doesn't mean Workmen's Auto will be the lowest company for each driver, since there are many different factors that come into play when it comes to your car insurance bill.

Who is better, Grange or Workmen's Auto?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Grange is cheaper for drivers with excellent credit, while Workmen's Auto offers more affordable prices for drivers with a recent DUI.

Why do Grange and Workmen's Auto offer me different rates?

Auto insurance carriers use lots of different variables when determining the premiums they charge. Factors like your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all be used. Both Grange and Workmen's Auto calculate rates using different formulas, 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 Workmen's Auto is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Grange or Workmen's Auto 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.