Grange auto insurance review: Outstanding customer service ratings

Family packing up a carImage: Family packing up a car
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Editors’ take: Grange auto insurance is highly rated in terms of customer satisfaction and offers a usage-based insurance product that can save you up to 35% on car insurance upon renewal based on your driving behavior. It also has unique insurance coverage options, like mobile phone coverage, identity theft protection and pet injury coverage. But it’s only available in a handful of states, and you’ll need to get a quote through an independent agent.

Grange car insurance at a glance

AvailabilityAvailable in Georgia, Illinois, Indiana, Iowa, Kentucky, Minnesota, Ohio, Pennsylvania, Tennessee, Virginia and Wisconsin
J.D. Power customer satisfaction ratingsHigher than average
How to get an insurance quoteVia an agent
How to submit a claimOnline, over the phone or via the mobile app


  • High customer satisfaction ratings
  • Unique insurance coverages, such as identity theft car insurance, pet injury protection and mobile device coverage
  • Usage-based insurance product that allows you to qualify for discounts based on driving behavior tracked by an app


  • Not available in every state

What you need to know about Grange car insurance

Grange was founded in the 1930s by John Haaf, a member of the agriculture-based organization Ohio State Grange. He used his company to provide low-cost auto insurance for group members.

Today, Grange sells its insurance entirely through local independent insurance agents. These agents work with multiple insurance carriers to help you find coverage that works for you.

Usage-based insurance

Grange offers a usage-based insurance program, OnTrack, that can help save you money on your policy. New policyholders can earn a 10% discount for enrolling in OnTrack. Once your insurance is renewed, you may be eligible for an additional discount of up to 25% if the app shows you have safe driving behavior. The program uses a smartphone app to monitor your driving.

Loan/lease gap coverage

If you have a loan or lease, the amount you owe to the lender may exceed the value of your vehicle. That means if your car is totaled in an accident, you may be responsible for paying what your insurance policy doesn’t cover.

Gap insurance shields you by taking care of the difference between what your policy covers and what you owe to the lender. Grange offers gap insurance to its policyholders.

Unique insurance coverages

In addition to standard car insurance products, Grange offers a few less-common coverages, including identity theft car insurance. This product can reimburse you for lost wages and legal fees if your identity is compromised, and it puts you in touch with a fraud specialist who can advocate on your behalf to help you recover your assets.

Grange also offers pet injury protection, which provides coverage if your pet is injured in a car accident while riding with you. Grange also offers mobile device protection that provides coverage if your mobile device is damaged in a car accident.

Auto coverage offered by Grange

In addition to identity theft, pet and mobile coverages, Grange offers the standard insurance products you might expect from a provider, including liability, comprehensive, collision, medical payments, personal injury and uninsured/underinsured motorist coverage. Full glass coverage is also available, which waives your deductible if you have a crack in your windshield. Here are a few other insurance options from Grange.

  • Roadside assistance coverage
  • Rental reimbursement coverage
  • New car replacement insurance that replaces your total loss with a new vehicle if your car is two years old or newer
  • Personal umbrella car insurance

Auto insurance discounts offered by Grange

Grange offers policyholders a wide range of discounts.

  • Accident forgiveness — Prevents your rates from rising after your first at-fault accident
  • Multi-policy discount — Can save you up to 7% on car insurance
  • Good student discount — Offers a price break based on educational information provided about a student covered by your car insurance policy
  • New beginnings discount — Offered if you get divorced
  • Safety technology discount — Offered if your vehicle has automatic emergency braking or blind spot monitoring
  • Away at school car insurance discount — Discount if you have a child on your policy who is away at school
  • Legacy loyalty car insurance discount — Offered to new policyholders who leave their parents’ Grange coverage to get coverage of their own

In addition to the above discounts, Grange offers OnTrack, a safe driving discount program that tracks your driving behavior via a smartphone app. New policyholders can earn a 10% discount for enrolling in OnTrack. Once your policy is renewed, you may be eligible for a discount of up to 25% if the app shows you have safe driving habits.

FAQs about Grange

Is Grange a real insurance company?

Grange is a real insurance company that has been in business since the 1930s. The company sells entirely through local independent insurance agents to help find the best coverage for your needs.

Does Grange have high customer satisfaction?

According to J.D. Power’s 2023 auto insurance study, Grange got the second highest marks for customer satisfaction in the North Central region of the United States.

Is Grange good for high-risk drivers?

Grange uses independent insurance agents who work with multiple carriers. These agents may be able to help you find an insurance carrier that works well for your situation.

Not sure if Grange car insurance is right for you? Consider these alternatives.

  • State Farm: This company has products for those seeking classic car coverage and a wide range of discount options.
  • Root: If you’re interested in paying a premium largely dictated by your driving behavior, Root may be a good insurer.

About the author: Warren Clarke is a writer whose work has been published by and the New York Daily News. He enjoys providing readers with information that can make their lives happier and more expansive. Warren holds a Bac… Read more.