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: November 7, 2025
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.
Grange claims fifth place for coverage variety, providing distinctive options like accident forgiveness and new car replacement coverage for comprehensive protection.
Grange Car Insurance Ratings
| Overall Score | 4.42 | 13 |
| Customer Experience | 4.40 | 16 |
| Coverage | 4.33 | 5 |
| Affordability | 4.44 | 14 |
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 Experience
Customers generally give positive feedback on the buying process, praising helpful agents and competitive rates.
Policy Management
Policy 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 Experience
Claims 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 Reddit and Forum Customer Satisfaction
Grange provides personalized agent support, flexible coverage options and solid financial strength. Drivers appreciate extras like identity theft protection, pet injury coverage and the OnTrack usage-based discount program.
Still, some customers mention higher rates than expected, limited digital tools and disputes about claim decisions. Others report frustration with the claims process and communication delays.
Real customers on forums share the following experiences:
Pricing and Value
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."
Claims Processing
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."
Customer Service
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."
Digital Experience
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."
Trust and Reputation
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."
Coverage Options
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.
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:
Does Grange insurance have a good reputation?
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.
Where is Grange the best car insurance company?
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.
How much does Grange car insurance cost on average?
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.
Is Grange known for denying claims?
Customer feedback suggests Grange faces criticism for 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.
Is Grange a good option for high-risk drivers?
Yes, Grange offers competitive rates for several high-risk driver categories. It ranks seventh overall for drivers with a DUI, 10th for drivers with an accident, and eighth for drivers with bad credit.
Does Grange raise car insurance rates over time?
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.
Is Grange good for young drivers?
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
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- 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
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process considered three main factors:
- Cost (60% weight): We reviewed quotes for different driver profiles in each city to see how each insurer’s pricing compared with local competitors.
- Customer satisfaction (30% weight): We examined feedback from many sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to gauge overall service quality and customer experience.
- Coverage variety (10% weight): We looked at the range of coverage options each provider offers, including unique benefits and policy features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.