Grange Insurance Review 2021

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The Grange Insurance Company is based in Columbus, Ohio, and has been offering home, auto and life insurance since 1935. Individuals looking for coverage who live in the 13 states of Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia or Wisconsin have Grange auto insurance and homeowners coverage, as well as life insurance, available for purchase through independent agents.

Grange car insurance

Grange auto insurance is the most popular product the insurance company underwrites. Regardless of whether you need basic car insurance to legally drive in your state or would like a more comprehensive package, you’ll find nearly every type of special coverage to cover yourself and your assets.

Types of coverage

In addition to basic coverages like liability and collision coverage, Grange auto offers the following:

  • Underinsured/uninsured motorist coverage: Steps in to cover your damages if the other driver wasn’t properly insured.
  • Rental car reimbursement: Reimburses your rental car cost while your vehicle is in the body shop.
  • Loan/lease gap coverage: If your car’s value is less at the time of a total loss than what you owe on the car loan, gap coverage will pay the lender the difference.
  • Original equipment manufacturer coverage (OEM): Reimburses you for original manufacturer parts during a covered repair.
  • Pet injury: Pays for your vet bills if your pet is traveling with you and is injured in an accident.
  • Roadside assistance: 24/7 service when you need a tow, flat tire repair or fuel.
  • Full glass repair: Pays for repair or replacement of your windshield.

Cost of Grange car insurance

Grange provides affordable car insurance. Compare the annual cost of basic coverage for the state-required minimum liability insurance to full coverage which includes liability, comprehensive and collision insurance.

Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
$358 $1,630

Discounts

  • Accident forgiveness: Your first at-fault accident will be written off, saving you from a jump in your vehicle insurance premiums.
  • Multiple policy: Bundle home and auto with Grange Insurance to maximize the savings.
  • Multiple vehicle: If you’re insuring more than one vehicle with Grange, you’ll earn a discount on each.
  • Legacy loyalty: The longer you’re insured with Grange Insurance, the lower your annual premiums will be.
  • Paid in full: Making a single annual payment in advance qualifies you for a small discount.
  • Advance quote: Get a quote and schedule your new policy in advance for a discount.
  • OnTrack telematics: Download Grange’s OnTrack app and you’ll earn discounts based on your safe driving habits.
  • Safety tech: Vehicles equipped with driver safety features qualify.
  • Safe driver: Drivers with no tickets, claims or accidents can qualify for lower premiums as a safe driver.
  • Good student: Full-time students who earn good grades receive a discount on Grange auto insurance.

Grange home insurance

If you own or rent a home, condo or apartment, protecting your property is of utmost importance. Homeowners insurance covers the home’s structure, as well as all of your belongings inside. Renters insurance provides coverage for your personal belongings in case of fire, theft or damage.

Types of coverage

  • Replacement cost: Reimburses you for the cost of replacing items with new, available versions.
  • Underground service lines: Pays for repairs to systems such as underground electrical, plumbing and telecom, including internet cables.
  • Sewer and drain backups: An often overlooked coverage that could save you thousands of dollars in damages caused by flooding due to a backup.
  • Home cyber protection: Protects your computers and devices from identity theft, online fraud, hackers and viruses.
  • Jewelry, artwork and collectibles endorsement: Insures your higher-value items for their actual value.
  • Equipment breakdown: Covers repairs or replacement of your home systems, such as the HVAC, pool equipment or water heater.
  • Assisted living care: Insures your loved one’s belongings while they’re living in an assisted living facility.

Discounts

  • Multiple policy: Bundle Grange car insurance with home coverage.
  • Paid in full: Making a single annual payment in advance qualifies you for a small discount.
  • Advance quote: Get a quote and schedule your new policy in advance for a discount.
  • Home maintenance: Policyholders who can show they regularly upkeep their home qualify for a discount.
  • DIY home inspection: A periodic review of your home’s most important systems could uncover deferred maintenance issues and earn you a discount.
  • Smart fire alarm: Installing a smart fire alarm that notifies you and the fire department of a potential fire can save your home from a total loss and lower your premiums.
  • Claim-free: Going without filing a homeowners insurance claim will save you on your home insurance.

Grange life insurance

According to Grange, many customers buy more life insurance than they need. Grange sells life insurance through its independent agents who can advise you on the ideal amount of coverage based on your requirements. Grange’s life insurance offerings vary, depending on the state you’re in.

Types policies offered

  • Term life insurance: The least expensive and simplest type of insurance, you’ll choose a term for coverage such as 10, 15 or 30 years.
  • Whole life insurance: A permanent type of life insurance that is in effect for as long as you continue to pay. It provides a death benefit payout to your loved ones, as well as a growing cash value amount you can access.

Reasons why Grange is a good option

Grange is a good option when you’re in search of a full-service insurance company. Bundle car, home and life insurance into one package and you’ll save yourself time on managing and paying for your policies. And best of all, you’ll get a discount across the board on all your policies. The biggest drawback to Grange is its limited availability. If you’re not a resident of the Central area of 13 states it services, you won’t be eligible for coverage.

Grange ratings, reviews, customer satisfaction and complaints

Grange Insurance reviews from customers are mostly positive. The Grange insurance claims process is smooth and payouts are quick. Customers ranked Grange auto insurance as #7 in the J.D. Power Customer Satisfaction Study. The NAIC reports that Grange Insurance has fewer complaints than the national average for insurance companies. In addition, the carrier is a financially stable company and has earned an A+ from the credit rating agency, AM Best.

Grange Insurance reviews
AM Best A+ (Superior)
J.D. Power Auto for North Central: 832 out of 1,000
Home: NR
Life: NR
NAIC .52 (below average complaints)

Frequently asked questions

What do I need to get a quote from Grange?

The Grange Insurance Company doesn’t offer online quotes. You’ll need to contact an independent insurance agent for a quote. You can refer to Grange’s agent locator for the closest office near you.

How do I file a claim with Grange?

To file a claim, you’ll need to login to your online account or call 1-800-445-3030 to start the claim.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.