Auto Insurance Comparison
Grange vs American Family
Side-by-side comparison of Grange vs American Family auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Grange is essentially tied with American Family in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Grange | American Family | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.85 /5 ★★★★★ |
| Best for | Grange Mutual is a Midwest-and-Southeast regional carrier that competes through independent agents | American Family is a Midwest-rooted mutual carrier that ranks consistently well on customer satisfaction and offers a usage-based program with real teeth |
| Read full review | Grange review → | American Family review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Grange | American Family |
|---|---|---|
| Customer experience | 4.00 | 4.00 |
| Coverage breadth | 4.00 | 4.10 |
| Affordability | 3.70 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Grange
Full review →Pros
- Mutual structure with long operating history
- Available across 13 central U.S. states — broader than many regionals
- Good bundling discounts when combined with home insurance
- Solid customer satisfaction reputation
Cons
- No online quoting — every policy through an independent agent
- Pricing is mid-market, not budget
- Less brand recognition than national carriers
American Family
Full review →Pros
- American Family provides a variety of savings on vehicle insurance coverage.
- The firm also offers numerous other types of insurance, which may be combined to save money.
- American Family's mobile app is simple to use and includes features like tracking claim progress, scheduling payments, and calling roadside help.
Cons
- Because American Family does not offer a comprehensive list of extra coverage enhancements or endorsements for vehicle policies, customers with more sophisticated insurance needs should continue their research.
- While homeowners rated American Family vehicle insurance positively, renters rated this provider below average in our Customer Satisfaction Survey.
Coverage at a glance
What each carrier offers in standard policies.
Grange
American Family
The bottom line
Grange
Grange is a solid mid-tier choice in its 13-state footprint, particularly if you bundle with home insurance. Outside that footprint, look elsewhere.
Read the full Grange reviewAmerican Family
American Family is a solid pick in the Midwest and Western states where it operates. If you're outside its footprint or shopping purely on rate, broader carriers will usually price more aggressively.
Read the full American Family reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.