Auto Insurance Comparison
Grange vs State Auto
Side-by-side comparison of Grange vs State Auto auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Grange edges ahead State Auto 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 | State Auto | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | Grange Mutual is a Midwest-and-Southeast regional carrier that competes through independent agents | State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Auto brand through independent agents |
| Read full review | Grange review → | State Auto review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Grange | State Auto |
|---|---|---|
| Customer experience | 4.00 | 3.80 |
| Coverage breadth | 4.00 | 3.90 |
| 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
State Auto
Full review →Pros
- Now backed by Liberty Mutual financial strength
- Independent agent distribution with shop-around flexibility
- Multi-line bundling discounts
- Solid customer satisfaction in operating states
Cons
- Geographic concentration in Midwest and Southeast
- Recent acquisition means brand and service evolution still underway
- Mid-market pricing, not a budget option
Coverage at a glance
What each carrier offers in standard policies.
Grange
State Auto
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 reviewState Auto
State Auto is a fine regional choice in the Midwest and Southeast through an independent agent. The Liberty Mutual acquisition adds financial strength but the long-term brand identity is still settling.
Read the full State Auto 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.