Grange ranks 13th overall regionally, placing it among the best car insurance companies. It offers good coverage options and affordability.
Grange Car Insurance Review
Updated: September 9, 2026
Advertising & Editorial Disclosure
Key Takeaways
Grange earns seventh place for full coverage affordability and 19th for minimum liability coverage, with average monthly rates of $95 and $57, respectively.
Grange holds 16th place nationwide for customer satisfaction, showing room for improvement despite decent agent service and mixed reviews from policyholders.
Looking for firsthand customer experiences? We gathered opinions from people who've filed claims and adjusted policies. Read More.
Grange Car Insurance Ratings
| Overall Score | 4.41 | 13 |
| Customer Experience | 4.4 | 16 |
| Coverage | 4.33 | 5 |
| Affordability | 4.44 | 14 |
Grange Car Insurance Reviews from MoneyGeek Users and Policyholders
MoneyGeek's analysis of Grange incorporates pricing data from multiple driver profiles, coverage breadth and industry ratings, explained in MoneyGeek's research methodology.
Customers consistently commend Grange's claims adjusters, who respond within hours rather than days, along with straightforward approval processes that resolve standard claims in under two weeks. Knowledgeable representatives who explain coverage details without industry jargon draw praise too.
On the negative side, some report frustration with renewal rate increases that lack clear explanation. Others describe occasional claim denials for home damage that customers believed fell under policy terms, plus limited digital capabilities compared to national carriers with more advanced mobile platforms.
Here's what real MoneyGeek users are saying about their experience with Grange.
★★★★★ (5 stars) | Posted by MidwestHomeowner "My basement flooded, and Grange was incredible once I filed the claim. Mark, my adjuster, called within an hour, walked me through the whole process and approved full reimbursement that same day. The money hit my account within 12 hours. Compared to the horror stories friends have told me about other companies, this was shockingly smooth." |
★★★★ (4 stars) | Posted by OhioDriver2019 "Six years with Grange, and overall I'm happy. The rates are decent, especially with the multi-policy discount from bundling home and auto. A hail claim last year got someone out quickly. My only complaint is the app, but my local agent handles most things anyway." |
★★★★★ (5 stars) | Posted by ColumbusCommuter "Switching from State Farm to Grange saved like $400 a year. My agent is amazing. She went through all my coverage options and found discounts I didn't even know existed. The claims process has been fair both times I've used it. I'd highly recommend Grange to anyone in the Midwest." |
★★★★★ (5 stars) | Posted by ClaimSameDayCheck "Monday's fender bender got an adjuster out Tuesday and a check by Wednesday. Grange handled the whole thing incredibly fast, the best claims experience I've had." |
★★★★★ (5 stars) | Posted by KnowledgeableAdjuster "My Grange adjuster really knew his stuff. He walked me through the damage, explained what was covered and why, and made sure I understood the process. No games, just straightforward service." |
★★★★★ (5 stars) | Posted by FarmEquipmentCovered "Farm insurance is something Grange understands better than the big national companies do. My tractor and barn equipment got covered properly, something other companies either couldn't or wouldn't do for agricultural vehicles." |
★★★★☆ (4 stars) | Posted by SmallTownService "In a rural area, a local Grange agent matters. I can just stop by in person when I need something, which beats calling a 1-800 number and talking to someone across the country." |
★★★★☆ (4 stars) | Posted by BundleSavingsReal "Bundling home and auto with Grange saved me about $600 a year. The rates are competitive, and I like supporting a regional company that's been around for decades." |
★★★★☆ (4 stars) | Posted by ResponsiveAgent "Emails get answered within hours, and calls get returned the same day. When I had questions about adding collision coverage, my agent explained everything clearly, no pressure at all." |
★★★★☆ (4 stars) | Posted by ClaimFairPayout "Storm damage to my roof got a fair payout from Grange. They covered exactly what they said they would, no lowballing. The whole process took about three weeks." |
★★ (2 stars) | Posted by FrustratedPolicyholder "A tree fell on my garage, and Grange denied the claim. They claimed tree removal would only cost $500, which is ridiculous. Actual quotes came in over $2,000. My fence got refused too. Years of paying premiums, and this is how they treat you when you actually need them." |
★★ (2 stars) | Posted by RenewalShock "My rate jumped almost $100 a month at renewal, for no reason I could find. No claims, no tickets, nothing changed. I called to ask why and got nothing but vague answers about market conditions. Other companies are on my radar now because this is getting too expensive." |
★ (1 star) | Posted by DigitalAge2024 "Outdated is generous for their online system. The app kept crashing when I tried to file a claim through it, so I ended up calling instead, which took forever. You'd think they'd have better technology by 2024. Customer service also put me on hold for 20 minutes, twice." |
★★☆☆☆ (2 stars) | Posted by RenewalRateSpike "My rate went from $85 to $135 a month at renewal. No claims, no tickets, nothing changed. Statewide rate adjustments were the only answer I got when I asked why. That's a 59% increase." |
★★☆☆☆ (2 stars) | Posted by HomeClaimDenied "A water damage claim got filed, and Grange found every reason to deny it. Gradual damage, not sudden, they said, despite the pipe bursting overnight. I ended up paying the $4,000 myself." |
★★☆☆☆ (2 stars) | Posted by DigitalToolsOutdated "Outdated website and app. Basic things other companies let you handle online just aren't possible here. Everything requires a call, which gets inconvenient fast." |
★☆☆☆☆ (1 star) | Posted by ClaimAdjusterMIA "My adjuster looked at my car, then vanished. Two weeks of messages went without a single callback. Getting a supervisor involved finally got someone new assigned. Completely unprofessional." |
★☆☆☆☆ (1 star) | Posted by PolicyCancelledRoof "Grange called my roof too old after an inspection. The ultimatum was 60 days to replace it or they'd cancel. This is despite no leaks and passing city inspection. None of that matters to them." |
★☆☆☆☆ (1 star) | Posted by TotalLossUndervalued "My totaled truck got valued at $8,000 by Grange, but comparable trucks were selling for $12,000. I showed them listings, and they barely budged. I ended up $3,000 short." |
★☆☆☆☆ (1 star) | Posted by AgentRetiredNoContact "My agent retired six months ago, and Grange never told me or assigned someone new. I only found out when I tried to file a claim and couldn't reach anyone who knew my account." |
Grange Car Insurance Reddit and Forum Customer Satisfaction
For many drivers, Grange means personalized agent support, flexible coverage options and dependable financial strength. Extras like identity theft protection, pet injury coverage and the OnTrack usage-based discount program draw appreciation too.
Higher rates than expected, limited digital tools and disputes about claim decisions still come up among some customers. The claims process and communication delays frustrate others.
General thoughts on pricing show mixed results, with competitive initial quotes but higher-than-average costs compared to major insurers, according to forum users:
"Grange's car insurance rates are usually more expensive than average. However, minimum coverage policies tend to be a better deal than full coverage."
Most customers have positive experiences with claims handling when everything goes smoothly, but disputes can become contentious:
"This marks the first time I have had to file an accident claim since I began driving 35 years ago. My Grange Claims Representative has been extremely helpful in guiding me through the entire process."
Agent service, while generally positive, varies by location and individual representatives:
"I have auto, homeowners, and umbrella policies with Grange. They have been very helpful in setting up my online account, and also very easy to contact and work with."
"Individual attributes seem to not matter at all in auto premium determination. I specifically asked an adjuster to keep me informed about an after-the-fact rental car claim, and he never did."
Grange's online platform is criticized for being outdated and lacking functionality compared to modern competitors:
"The website is primitive and it's hard to access information. There are rapid rate increases after the first year."
As a regional insurer with 90+ years in business, trust levels are generally high due to financial strength, though it has more complaints than many others:
"AM Best gives Grange an A (excellent) financial strength rating. Furthermore, the company was recently included in AM Best's 'Standing the Test of Time' list for earning top ratings for the past 50 years."
"For its private passenger auto insurance product, Grange has about twice as many complaints as expected based on its size."
People like the extensive customization options and coverage types, but find the agent-only sales model limiting:
"Grange stands out for its policy customization and flexibility. A wide selection of coverage options are available, such as cracked windshield replacement or coverage for family members in assisted living."
"Insurance from Grange is only available through independent agents. This means you can't simply go on the company's website to get a price like you can with many other insurers."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative comments are more common on forums, but they don’t always reflect overall service quality. For a clearer view, check user feedback along with insights from trusted sources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Who Is Grange Car Insurance Best and Worst For?
Grange works best for drivers with bad credit, those with DUIs, low-income drivers and people with older vehicles.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.63 | 3 |
How Much Does Grange Car Insurance Cost?
Your Grange vehicle insurance costs can range from $47 to $738 monthly, depending on your specific situation.
Data filtered by:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100,000 - 1000 comp_coll
| $140 | $1,677 | -49% | 3 |
Grange Car Insurance Rates by Driver Category
Most driver types will find Grange more expensive than others for adult drivers, young drivers, seniors and those with speeding tickets or low income.
| Adult Drivers | $59 | $95 | -9% | 14 |
| Drivers With A DUI | $87 | $151 | -26% | 7 |
| Drivers With An Accident | $74 | $121 | -19% | 10 |
| Drivers With A Speeding Ticket | $76 | $126 | -2% | 18 |
| Drivers With Bad Credit | $74 | $127 | -41% | 8 |
| Drivers With Low Income | $60 | $103 | -25% | 13 |
| Drivers With Newer Cars | $71 | $119 | -16% | 10 |
| Drivers With Old Cars | $54 | $86 | -7% | 14 |
| Senior Drivers | $90 | $140 | 9% | 22 |
| Young Drivers | $124 | $216 | -11% | 17 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Grange Car Insurance Discounts
Grange offers 10 car insurance discounts, with savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Variable | Bundle auto with home, condo or renters' policy | Available in all 13 states served |
Multi-Vehicle | Variable | Insure multiple vehicles with Grange | Available in all 13 states served |
Good Student | Variable | Student on policy with good grades (B average or higher) | Available in all 13 states served |
Away at School | Variable | Child away for school without vehicle | Available in all 13 states served |
Safety Technology | Variable | Vehicle equipped with automatic emergency braking and/or blind spot warning | Available in all 13 states served |
Safe Driver | Variable | Clean driving record with no recent accidents or violations | Available in all 13 states served |
Accident Forgiveness | Variable | Rates won't increase after first at-fault accident | Available in all 13 states served |
Paid in Full | Variable | Policy premium paid in full annually | Available in all 13 states served |
Legacy Loyalty | Variable | New policyholder leaving parent/guardian's Grange policy for own policy | Available in all 13 states served |
Paperless Billing | Variable | Enroll in paperless billing | Available in all 13 states served |
Grange Car Insurance Customer Reviews and Reputation
Grange earned 16th place for customer experience in MoneyGeek's comprehensive customer experience study. It has knowledgeable agents and personalized service approach.
But it has slower claims processing times and occasional communication gaps during the claims resolution process.
Buying Process ExperienceCustomers generally give positive feedback on the buying process, praising helpful agents and competitive rates.
Policy ManagementPolicy management experiences are mixed. Customers like the mobile app's functionality for tracking claims and accessing policy information. Representatives are described as "very responsive" and "pleasant."
Claims ExperienceClaims experiences range from excellent to problematic. Claims adjusters are “timely and detailed.” But others have noted disputes over OEM versus aftermarket parts, rejection of diminished value claims, and customers reporting "uncooperative and rude" service.
Grange Car Insurance Industry Customer Satisfaction Ratings
Grange ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Grange's scores from industry agencies.
AM Best Financial Strength | A / B++* | A++ to D- | Good to strong ability to meet financial obligations. Some sources list both ratings. |
AM Best Long-Term Credit Standing | bbb+ | aaa to d | Shows good credit quality. |
S&P Global Financial Strength | Not Available | AAA to D | Details not publicly available. |
Moody's Financial Strength | Not Available | Aaa to C | Information not publicly available. |
J.D. Power Auto Claims Satisfaction | Not Rated | 1,000-point scale | Not included in J.D. Power’s Auto Claims Satisfaction study. |
J.D. Power Digital Service Experience | Not Rated | 1,000-point scale | Not included in J.D. Power’s Digital Service Experience study. |
J.D. Power Auto Insurance Shopping Study | 655/1,000 | Out of 1,000 | Scores below the industry average for customer satisfaction. |
J.D. Power Overall Customer Satisfaction | 3/5 | Out of 5 | Average overall customer satisfaction rating. |
NAIC Auto Complaints | 1.99-2.19 | 1.00 is average | Receives about twice as many auto insurance complaints as expected. |
Grange Car Insurance Coverage Options
Grange provides standard coverage options like other top insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
New Car Replacement Insurance | Replaces your total loss with a new vehicle | Covers vehicles two years old or newer |
Full Glass Coverage | Windshield and glass repair/replacement | Waives your deductible for cracked windshield |
Roadside Assistance Coverage | Emergency roadside services | Fast, safe, reliable service without out-of-pocket cost |
Rental Reimbursement Coverage | Transportation while your car is being repaired | Covers rental car costs during covered loss |
Loan/Lease Gap Coverage | Pays difference between car's value and what you owe | Covers the gap between actual cash value and loan balance |
Identity Theft Car Insurance | Identity protection and restoration services | Resources to keep identity safe and professional services if stolen |
Pet Injury and Mobile Device Coverage | Protection for pets and mobile devices in vehicle | Covers precious cargo riding along with you |
Original Equipment Manufacturer Parts Coverage | Ensures original manufacturer parts are used in repairs | OEM parts when available for vehicle repairs |
Other Grange Insurance Coverage Options to Consider
Here are other insurance products to consider for bundling with your auto policy or purchasing separately:
Who Offers It? | Insurance Products |
|---|---|
Grange (Directly Offered) | |
Third-Party Partner |
Grange Auto Insurance Review: Bottom Line
Grange excels in affordability, customer experience and coverage, earning strong rankings in our study. It ranked seventh overall for full coverage and 19th for minimum coverage. We recommend you compare quotes and coverage to get the best deal.
Grange Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Grange car insurance:
Yes, Grange is a legitimate car insurance company that secured 13th place in our car insurance provider rankings. It excels in coverage options, earning a fifth-place ranking among all providers.
Grange isn't the top option in any state, but does rank in the top five of half of the states it's rated in.
Adults pay an average of $672 annually for minimum coverage and $1,118 for full coverage through Grange. Annual premiums range from $569 to $4,440 for minimum and $1,025 to $7,836 for full coverage.
Customer feedback points to criticism of Grange over claim denials, with policyholders reporting rejections for water damage, auto accidents and property losses. Some customers describe lengthy approval processes and disputes over coverage interpretations.
Note: This represents limited information based primarily on forum reviews.
Grange has competitive rates for several high-risk driver categories, ranking seventh overall for drivers with a DUI, 10th for drivers with an accident and eighth for drivers with bad credit.
Yes, Grange raises rates over time due to inflation impacting repair and medical expenses, higher claim frequencies from distracted driving and severe weather, plus increasing vehicle technology costs.
No, Grange isn't the best choice for young drivers, ranking 17th for overall affordability with monthly premiums averaging $216 for full coverage.
How We Rated Grange Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
A baseline driver profile kept rate comparisons consistent. That standard driver has these characteristics:
- Age: 40 years old, man
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
MoneyGeek then modified specific variables, including age, driving record, credit score and military status, to determine which insurers have the best rates for different driver categories. State-required minimums set the floor for minimum coverage rates. A full coverage policy includes 100/300/100 liability limits, comprehensive and collision coverage, and $1,000 deductibles.
Company Rating System
MoneyGeek's evaluation process considered three main factors:
- Cost (60% weight): Quotes for different driver profiles in each city showed how each insurer's pricing compared with local competitors.
- Customer satisfaction (30% weight): Feedback from many sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, gauged overall service quality and customer experience.
- Coverage variety (10% weight): Each provider's range of coverage options, including unique benefits and policy features, factored into this score.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.