Shelter vs. Grange Insurance

Which insurance carrier is right for you? Compare coverage, ratings, and quotes from Shelter and Grange.

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Shelter vs. Grange: What You Need to Know

Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.

Grange Mutual Casualty Company, commonly known as Grange Insurance, was formed in 1935, in Columbus, Ohio, to provide auto insurance for a specific group, Ohio State Grange members.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Shelter Overview and Grange Overview.

Shelter vs. Grange: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Shelter and Grange. On average, Shelter charges approximately $213.29 per month while Grange comes in at around $181.41 per month. For Shelter, the cheapest state average is Arkansas at $142.77 per month and the most expensive is Kentucky at $288.73 per month. For Grange, the cheapest state average is Oregon at $113.46 per month and the most expensive is Colorado at $216.04 per month.


Average Rate


Average Rate


Average Rate

State Shelter Grange
Arkansas $142.77 -
California- $192.77
Colorado- $216.04
Idaho- $132.36
Kansas $246.19 -
Kentucky $288.73 -
Mississippi $181.25 -
Missouri $199.79 -
Nebraska $205.41 -
Oklahoma $186.34 -
Oregon- $113.46
Washington- $140.48
Wyoming- $153.12

Shelter vs. Grange: Rates by Number of Vehicle


Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Shelter and Grange typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Shelter Grange
1 Vehicle $197.02 $164.08
2 Vehicles $270.45 $235.22
3 Vehicles $366.42 $305.95

Shelter vs. Grange: Rates by Homeownership


Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Shelter charges $202.68 per month and Grange charges $175.75 per month for customers who own their home.

Own/Rent Shelter Grange
Own $202.68 $175.75
Rent $218.00 $183.23

What is Shelter and Grange Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Shelter and Grange ranked among the industry ratings.

Year Founded19461935
A.M. Best RatingA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index0.87
NAIC Complaint Ratio0.36 (2013)

Shelter or Grange: Insurance Products Offered

What coverage is available through Shelter and Grange? Both insurance companies offer Auto, Commercial, Home, and Life insurance. Additional products from Shelter insurance also includes Condo, Farm, Motorcycle, Renters, RV, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Shelter and Grange Insurance page.

Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Shelter or Grange: Ways To Save

Grange offers a wide range of discounts to its policyholders, including Good Student, Hybrid Vehicle, and Multi-Policy discounts. In contrast, Shelter also offers a few discounts that Grange doesn’t, including Window Identification System – Louisiana Residents, Pay in Full, and Passive Restraint discounts. Start taking advantage of discounts offered by insurance providers like Grange and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Accident Prevention Course DiscountDistant Student Discount
Anti-Theft Discount - Kentucky and Illinois ResidentsGood Student Discount
Companion Life DiscountHybrid Vehicle Discount
Companion Policy DiscountMulti-Policy Discount
Driver Training Course DiscountPaid-in-full Discount
Good Student DiscountSafe Driver Discount
Military Discount
Multi-car Discount
Multi-coverage Discount - Nevada Residents
Passive Restraint Discount
Pay in Full Discount
Safe Driver Discount
Window Identification System Discount – Louisiana Residents

Pros & Cons of Shelter & Grange


  • Shelter Insurance offers personalized service through a network of more than 1,400 agents.
  • The company has a few customer's complaints, which indicates high satisfaction.
  • You can start your claims online or by phone.
  • Grange Insurance offers personalized coverage, which allows you to tailor the insurance plan according to your needs and budget.
  • The company offers pet coverage included in the auto policy, which pays for your pet’s veterinary if they are injured in a crash.
  • Easy-to-use online account
  • Great financial standing


  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
  • The claims process can be delayed according to some customer’s reviews.
  • Coverage limited - only in 13 states across the US

Shelter or Grange Mobile Apps Options

The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.

The Grange Insurance Mobile app is available for iOS and Android. This mobile app can help you to pay the bills, view coverages, display your ID card and get roadside assistance. If you don’t have insurance with the company yet, you can use the app to find an agent for more information.

Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews
Grange Mobile App
iOS     4.29 user reviews
Android     4.324 user reviews

Shelter & Grange Contact Info

Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218
Grange Contact Info
Address671 S. High Street Columbus, OH 43206

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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