A hand holds a cell phone with the OnTrack app open on screen.

The power to save is in your hands

You’re in control of how you drive every day and Grange rewards you for safe driving with a discount on your car insurance.



What is OnTrack?

OnTrack is a safe driving discount program for Grange auto insurance customers. Save money on your insurance based on your driving behavior tracked through the auto insurance app on your smartphone. With OnTrack, you can qualify for a discount, and you won’t be penalized for a low score.

OnTrack with Grange Insurance video


How it works

The app collects data for 90 days, monitoring your:

Green speedometer iconTotal mileage

(e.g., driving short distances, road trips)

Green clock iconTime of day

(e.g., late night driving, rush hour).

Green winding road traffic sign iconSmoothness

(e.g., hard braking, harsh acceleration)

Green road iconRoad type

(e.g., highways, local roads)

Each factor is used to calculate a total score up to 100. When your Grange auto insurance policy renews, you can earn a discount based on your score.

We only use the data collected to give you a discount. You won’t be penalized for a lower score and most OnTrack drivers receive a discount when they renew their policy. Plus, if you’re a new Grange auto insurance policyholder, you’ll also receive an automatic discount when you enroll in the program.

Man drives vehicle with a sunset in the background.

Common questions about OnTrack

What is a safe driver discount?

A safe driver discount is when an insurance carrier uses GPS technology to review customers’ driving behavior. Customers with safe driving habits are then rewarded with a discount on their auto insurance policy.

How much can I save on auto insurance with a safe driver discount?

New Grange policyholders earn a 10% discount on their auto insurance when they enroll in OnTrack. When you renew your policy, you can earn an additional discount of up to 25%. It doesn’t cost anything to participate in the program and you won’t be surcharged if you earn a low score.

Is it difficult to start using the app?

Getting started is easy. Once enrolled in OnTrack, you’ll receive an email with a link to download the smartphone app. Just download the app, enter your phone number and the verification code, then allow permissions. Once you’ve completed setup, you’re ready to start driving. The app will automatically track your trip and calculate your score.

Read customer reviews

Just ask our customers about the quality of our service. Grange is committed to using that feedback to improve our insurance products, discounts and customer service.

See what our customers are saying about Grange Insurance

Jeremy G.
“I'm paying a few dollars less now for full coverage than I was with a major national company for liability only. Their OnTrack program saved me another 10% this year and will probably contribute to more savings in the future.”

An illuminated green traffic light

Ready to go?

Contact your independent insurance agent to enroll in OnTrack and start your journey toward savings.

Find an agency

Available coverages and discounts may vary by state. Please contact your Grange Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.