Is Grange Good for Auto Insurance?
Last Updated on January 8, 2026
Grange Insurance is a regional carrier headquartered in Columbus, Ohio, known for selling auto policies primarily through independent agents. That agent-first model can be a big advantage if you want help choosing the right limits and add-ons — but it may feel inconvenient if you prefer instant online quotes and a fully self-serve experience.
In this review, we’ll break down where Grange auto insurance is available, what it covers, the most notable add-ons and discounts, and who this company is (and isn’t) a strong fit for.
Quick note: There are multiple insurers with “Grange” in the name. This article refers to Grange Insurance (Grange Mutual), not other “Grange” brands that may operate in different regions.
Our Rating of Grange Auto Insurance
3.9
out of 5
★★★★☆
Summary
Bottom line: Grange provides dependable auto insurance with customizable coverage and good customer service in its states of operation.
Grange Insurance is a long-established regional auto carrier known for a straightforward claims process, a variety of add-on coverages, and quality agent support. The company holds strong financial ratings and an excellent Better Business Bureau grade. However, it is only available in a limited number of states and has somewhat higher complaint levels and mixed satisfaction scores compared with larger national insurers.
Best for
- Drivers who want personalized service from a local agent
- Policyholders seeking flexible coverage options and add-ons
- Drivers in Grange’s regional service area
Not ideal for
- Drivers outside Grange’s limited availability states
- Customers who prefer digital/online self-service tools
- Those seeking the lowest possible cost nationwide
- Our Rating of Grange Auto Insurance
- Where Is Grange Auto Insurance Available?
- What Coverage Does Grange Offer?
- Does Grange Offer Discounts?
- How Do You Get a Quote From Grange?
- Claims and Customer Experience
- Pros and Cons of Grange Auto Insurance
- Frequently Asked Questions
- Bottom Line: Is Grange Good for Auto Insurance?
- Grange Contact Info
Where Is Grange Auto Insurance Available?
Grange focuses on a limited footprint compared to national brands. According to Grange, personal auto insurance is currently offered in the following states:
- Georgia
- Illinois
- Indiana
- Iowa
- Kentucky
- Minnesota
- Ohio
- Pennsylvania
- Tennessee
- Virginia
- Wisconsin
If you’re outside these states (or you’re moving to a new state soon), it’s smart to confirm availability with an independent agent before you get too far into the shopping process.
What Coverage Does Grange Offer?
Grange offers the core coverages most drivers expect: liability coverage (which is required in most states) and optional protections like comprehensive, collision, and personal injury protection (PIP) where available. You can also add uninsured/underinsured motorist coverage if you want a stronger safety net when the other driver can’t pay for the damage they caused.
Where Grange tends to stand out is customization. If you like tailoring a policy to your lifestyle, ask your agent about additional protections beyond the basics.
Add-Ons and “Extras” Worth Asking About
Grange offers a range of auto insurance add-ons that can make a policy feel more “complete,” especially if you drive a newer car or you want fewer surprises after a claim. Common examples include roadside assistance (often including towing), full glass coverage (which may help with repairs like windshield replacement depending on your setup), and even pet injury coverage for accidents involving your animal. Before you compare quotes, it helps to know what limits you actually need so you’re not accidentally comparing a “bare minimum” policy to a more protective one.
- Full glass coverage (often helpful if you’re trying to avoid paying a deductible for common glass claims)
- New car replacement (best for newer vehicles, and especially valuable if you drive a lot)
- Loan/lease payoff (GAP) (important if you owe more than the car is worth)
- Identity theft coverage (a less common add-on some drivers appreciate)
- Umbrella liability (for drivers with significant assets or higher liability risk)
- Roadside assistance (if you don’t already have a separate roadside membership)
Not every option is offered in every state, and details can vary. Your independent agent can confirm what’s available where you live.
Does Grange Offer Discounts?
Yes — Grange offers a mix of common discounts and a few that are more “family lifecycle” oriented. You may see savings opportunities for bundling, safe driving, paperless preferences, student drivers, and more. Your best move is to ask your agent to run through every discount you might qualify for, because many discounts depend on the driver, the vehicle, and the state.
Examples of common discount categories include:
- Multi-policy (bundling auto with home, condo, or renters)
- Paid in full (paying the policy term up front instead of monthly)
- Paperless / AutoPay (often includes EFT-type billing discounts)
- Safety technology (vehicle equipment like certain driver-assist features)
- Student discounts (good student / away at school, when applicable)
- Legacy/loyalty-style discounts (varies by situation)
How Do You Get a Quote From Grange?
Grange is primarily sold through independent agents, so you’ll usually get a quote by contacting a local agent (or having an agent shop multiple carriers for you). If you’ve never worked with one before, here’s a helpful overview on whether auto insurance can be cheaper through an agent and when it’s worth going that route.
To find an agent in your area, you can start on Grange’s website here: Find an Agent.
Claims and Customer Experience
Grange supports multiple ways to report and track a claim — including online tools and phone reporting. If you ever need to file a claim, it helps to follow the proper steps for filing an auto insurance claim so you protect yourself and avoid delays.
For official claim reporting and tracking options, Grange provides claim resources here: Report or Track a Claim and an overview of the process here: Understanding the Claim Process.
Pros and Cons of Grange Auto Insurance
Pros
- Strong agent support (great if you don’t want to build coverage alone)
- Solid customization with multiple add-ons and specialty coverages
- Regional focus can mean better local knowledge and service
- Good fit for bundling if you also need home/renters coverage
Cons
- Limited-state availability compared to national carriers
- Not ideal for instant online shopping (agent-first model)
- Pricing varies widely, so it may be competitive for some drivers but not others
- Fewer widely-known national rankings than the biggest insurers
Frequently Asked Questions
Bottom Line: Is Grange Good for Auto Insurance?
Grange can be a strong option if you live in its service area and you like the idea of working with an independent agent — especially if you want help building a policy with practical add-ons (like glass coverage, new car replacement, GAP, or identity theft). On the other hand, if you’re purely price-shopping, want a fast online checkout, or need coverage in many states, you may find a better fit with a larger national carrier.
Either way, it’s smart to compare a few carriers side-by-side. If you want to broaden your shopping list, you can reference this list of top auto insurance companies and see which ones are most competitive for your driver profile.
Grange Contact Info
Address: Grange Insurance, 671 South High Street, Columbus, OH 43206
Phone number: (800) 422-0550 (Customer Care)
Claims: (800) 445-3030 (24-Hour Loss Reporting Center) • (800) 686-0025 (Claim Tracking Line)
Payments/Billing: (800) 425-1100
Hours: Monday–Friday (Customer Care hours vary by department; check with your agent for local availability)
Email: You can send a message through their online form: Email Grange
Website: https://www.grangeinsurance.com/
NAIC number: 14060 (Grange Mutual Casualty Company)
