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 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
Grange earns 7th 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 5th 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:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record: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:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level: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 excellent ability to meet financial obligations. *Conflicting sources show both ratings |
AM Best Long-Term Credit Standing | bbb+ | aaa to d | Good credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Information 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 | Grange is not included in J.D. Power studies |
J.D. Power Digital Service Experience | Not Rated | 1,000-point scale | Grange is not included in J.D. Power studies |
J.D. Power Auto Insurance Shopping Study | 655/1,000 | Out of 1,000 | Below average customer satisfaction score |
J.D. Power Overall Customer Satisfaction | 3/5 | Out of 5 | Average customer satisfaction rating |
NAIC Auto Complaints | 1.99-2.19 | 1.00 is average | About twice as many complaints as expected for auto insurance |
Grange Car Insurance Reddit and Forum Customer Satisfaction
Grange offers personalized agent service, coverage options and strong financial stability. Many drivers value features like identity theft protection, pet injury coverage and the OnTrack usage-based discount program.
Common complaints include higher-than-expected rates, limited digital tools, and claim disputes over coverage decisions. Customers report frustration with claim investigations and communication issues.
Here's what real customers are saying about their experiences on forums:
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 reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, 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) | Auto insurance, home insurance, renters insurance, condo insurance, business insurance, umbrella insurance, boat insurance, motorcycle insurance, recreational vehicle insurance, farm owners insurance |
Third-Party Partner | Life insurance (no longer directly offered, discontinued), health insurance (through partnerships with independent agencies), property insurance for specific regions (through partnerships like Integrity Insurance) |
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 weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.