Auto Insurance Comparison
Quick verdict
Grange edges ahead Root 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 | Root | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Grange Mutual is a Midwest-and-Southeast regional carrier that competes through independent agents | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior |
| Read full review | Grange review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Grange | Root |
|---|---|---|
| Customer experience | 4.00 | 3.50 |
| Coverage breadth | 4.00 | 3.50 |
| Affordability | 3.70 | 3.80 |
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
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
Coverage at a glance
What each carrier offers in standard policies.
Grange
Root
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 reviewRoot
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root 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.