Grange car insurance review reveals a regional carrier with deep Midwest roots and surprisingly strong financial backing. Founded in 1935 in Columbus, Ohio, Grange Insurance originally served Ohio State Grange members exclusively. Today the company operates through approximately 3,600 independent agents across 13 states. With an AM Best rating of A (Excellent) maintained for over 50 years, Grange offers stability that many larger competitors struggle to match. However, its 0.2% market share means most drivers have never heard of it. This Grange car insurance review examines whether this under-the-radar insurer deserves a closer look from drivers in its service area.
Grange Insurance Coverage Options
Grange provides all standard auto insurance coverages. These include bodily injury liability, property damage liability, and collision coverage. Comprehensive coverage protects against theft, weather, and animal strikes. Personal injury protection and medical payments coverage are also available. Uninsured and underinsured motorist coverage rounds out the basics. In most cases, drivers can customize limits to match their specific needs.
What sets this Grange car insurance review apart is the company’s specialty endorsements. New car replacement pays for a brand-new vehicle if yours is totaled within the first two model years. Full glass coverage reduces or eliminates your deductible for windshield repairs. Pet injury coverage pays vet bills if your animal is hurt in a crash. Mobile device coverage protects your phone or tablet damaged in an accident.
Additionally, Grange offers identity theft protection as an auto policy add-on. OEM parts coverage ensures your vehicle gets manufacturer-original parts during repairs. Loan and lease gap coverage pays the difference between your car’s value and what you owe. Roadside assistance includes GPS-tracked tow trucks through the mobile app. For example, you can watch your tow truck approaching in real time on a map.
Grange Insurance Discounts Available
This Grange car insurance review found multiple ways to lower your premium. The multi-policy discount rewards customers who bundle auto with home or life insurance. A paid-in-full discount applies when you pay your entire premium upfront. The paperless billing discount reduces costs for going digital. An advanced quote discount rewards drivers who get quotes before their current policy expires.
Grange also offers a safety technology discount for vehicles equipped with automatic emergency braking or blind spot warning systems. The student-away-at-school discount applies when a young driver leaves for college more than 100 miles from home. A new beginning discount specifically helps recently separated or divorced customers. As a result, drivers going through life changes can still access affordable coverage.
The OnTrack telematics program deserves special mention in any Grange car insurance review. This usage-based program monitors driving habits through a smartphone app. Drivers earn a score out of 100 based on safe driving behaviors. Importantly, OnTrack cannot raise your rates. It can only provide discounts. Typically, safe drivers can save up to 25% through consistent good driving scores.
Grange Car Insurance Review: Customer Ratings and Satisfaction
AM Best gives Grange a financial strength rating of A (Excellent). This is the third-highest possible rating on a scale where A++ is best. The company was included on AM Best’s “Standing the Test of Time” list for maintaining top ratings for 50 consecutive years. This financial stability means Grange can reliably pay claims even after major catastrophic events.
However, this Grange car insurance review notes that JD Power does not rate the company. Its small market share excludes it from their annual auto insurance studies. According to NAIC data, Grange receives approximately 9% fewer formal complaints than expected for a company of its size. The Better Business Bureau gives Grange Enterprise Companies an accredited listing from its Columbus, Ohio headquarters.
Customer reviews on third-party sites show mixed results. WalletHub users give Grange ratings based on over 300 reviews. ConsumerAffairs features both positive and negative feedback. Policyholders frequently praise their local independent agents. However, some customers report higher-than-expected rates and disputes over claim decisions. The claims process allows filing online, by phone, through the mobile app, or by mail at 800-445-3030.
Grange Insurance Average Rates
Any thorough Grange car insurance review must address pricing. Full coverage auto insurance from Grange averages approximately $175 per month. That works out to roughly $2,099 annually. Minimum liability-only coverage averages around $728 per year. These rates place Grange slightly above the national average for full coverage.
However, actual rates vary significantly by state, driving record, and vehicle type. For example, Ohio drivers may pay less than those in Georgia or Michigan. Bundling home and auto insurance typically produces the largest savings. The OnTrack telematics program offers additional discounts without risk of rate increases. In most cases, getting quotes from a local independent agent provides the most accurate pricing.
Grange Insurance Pros and Cons
Pros:
- AM Best A (Excellent) financial strength rating maintained for over 50 years demonstrates exceptional stability
- OnTrack telematics program cannot raise rates and only offers discounts up to 25%
- Unique coverage add-ons including pet injury, mobile device, and identity theft protection
- Local independent agents provide personalized service and face-to-face support
- NAIC complaint ratio 9% below expected level for company size
Cons:
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- Available in only 13 states, limiting access for most American drivers
- Not rated by JD Power due to small 0.2% market share
- Full coverage rates averaging $2,099 annually are above the national average
- Limited digital tools compared to major carriers like GEICO or Progressive
- No guaranteed claims response timeframe published
Who Should Choose Grange Insurance?
This Grange car insurance review identifies several ideal customer profiles. Drivers who value personal relationships with local agents will appreciate Grange’s independent agent model. Homeowners looking to bundle multiple policies can access significant multi-policy discounts. Residents of Ohio, Indiana, and other Midwest states have the strongest agent networks available.
Grange works especially well for families with teen drivers away at college. The student-away-at-school discount provides meaningful savings. Safe drivers benefit from the no-risk OnTrack telematics program. Pet owners who travel with animals gain unique coverage not available from most competitors. As a result, niche needs are well-served by Grange’s specialty endorsements.
Conversely, this Grange car insurance review suggests looking elsewhere if you prioritize digital-first experiences. Drivers wanting the lowest possible rates may find better options with larger carriers. Anyone living outside the 13-state service area cannot access Grange coverage. Typically, price-focused shoppers should compare quotes from at least three carriers before deciding.
Frequently Asked Questions
What states does Grange Insurance serve?
Grange auto insurance is available in 13 states. These include Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. The company’s strongest presence is in Ohio where it was founded in 1935.
Does the Grange OnTrack program raise your rates?
No. The OnTrack telematics program can only lower your rates through safe driving discounts. Unlike some competitors, Grange will not increase your premium based on OnTrack driving data. This Grange car insurance review confirms this makes it a risk-free way to save money.
How do you file a claim with Grange Insurance?
You can file claims online, through the Grange mobile app, by phone at 800-445-3030, or by mail. The mobile app also provides GPS-tracked roadside assistance. However, Grange does not publish a guaranteed claims response timeframe.
Is Grange Insurance financially stable?
Yes. This Grange car insurance review confirms Grange holds an AM Best rating of A (Excellent). The company has maintained this top-tier rating for over 50 consecutive years. AM Best included Grange on its “Standing the Test of Time” recognition list.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed May 2026. If you notice any outdated information, please contact us.