Grange Insurance review 2023

Drivers interested in a regional insurer that offers several unique coverage options may want to get a quote for Grange car insurance. Our Grange Insurance review analyzed the carrier’s car insurance offerings. The company’s list of auto insurance endorsements is impressive and includes new car replacement, full glass coverage, pet injury coverage, mobile device coverage and even identity theft protection, which is typically found on property insurance policies.

Our insurance editorial team reviewed a range of factors like premiums, discount options, customer satisfaction scores and financial strength ratings to assign each company a Bankrate Score. Grange received 3.7 out of 5.0, due in part to its robust coverage options but brought down by its basic digital tools and higher-than-average complaints. While Grange wasn’t determined to be one of the best car insurance companies on our list, it could still be a good option for drivers in the states it services.

Homeowners looking for less-common coverage options and discounts may find those needs met with Grange home insurance. On top of standard homeowners insurance coverage types like dwelling, liability and personal property, Grange Insurance also offers add-on options like assisted living care, which insures a family member’s personal belongings if they live in an assisted living facility, and personal cyber insurance, which is intended to protect data, software and smart home systems if involved in a cyber attack.

As with Grange's auto insurance, Bankrate’s insurance editorial team also evaluated Grange's home insurance, reviewing its average premiums and third-party rankings and awarding the company a Bankrate Score of 2.8. The best homeowners insurance companies typically receive a higher Bankrate Score on our five-point scale. Grange’s Bankrate Score is average, due in part to its limited availability and basic digital tools.

Grange isn’t one of the best life insurance companies, according to our assessment, but it may still be a good option, especially if your other insurance policies are with the company. Grange offers life insurance for policyholders to help with income replacement, education costs, mortgage protection, wealth transfer and final expenses, depending on individual needs.

If you’re in the market for coverage, comparing life insurance quotes can be helpful, but keep in mind that rates don’t vary as much between companies. Comparing life insurance quotes is more about looking at different products and finding what is right for your needs. Note that Garage life insurance policies are underwritten by either Grange or Kansas City Life.

However, life policies from Grange are not available in all the states it covers for home and auto, and the carrier’s website does not provide in-depth information regarding the types of life insurance policies available. If you are interested in learning more about Grange life insurance, you may want to reach out to one of Grange’s agents. An agent can help you determine how much your life insurance will cost by providing you with a quote.

Because of Grange Insurance’s limited availability and other conditions, it may not be the right carrier for everyone. If you think that might be the case for you, these other insurance carriers could be worth considering:

After our analysis of quotes and coverage from Grange in comparison to the over 100 other insurers we reviewed, Grange stands out as a regional insurer for its robust auto and home coverage offerings, numerous discounts and strong community presence. It could be a good option for those looking to work with local agents, but its digital tools aren’t as functional as they could be. The company only has a few third-party reviews, too, which makes assessing service a bit challenging. If you’re wondering if Grange is a good insurance company, you might want to reach out to an agent for a quote.

Grange auto claims satisfaction

J.D. Power doesn’t rate Grange specifically for auto claims satisfaction, likely because it’s a smaller carrier. However, the 2023 J.D. Power Auto Insurance Study did include Grange in the North Central region. This study looked at satisfaction in five areas: billing and policy management, claims, policy offerings, average rates and overall interaction. The company was rated third-highest among those analyzed with a score of 838/1,000.

Grange homeowners claims satisfaction

Grange isn’t rated in the J.D. Power home insurance study, so it could be worthwhile to chat with current Grange customers if you’re considering the company for your own insurance needs.

Grange customer complaints

The NAIC’s Complaint Index gives additional perspective. The NAIC provides a unique Complaint Index score for each of a company’s product types. The baseline for this score is 1.00, so any score above this baseline would indicate a company has received more than the number of average complaints for a given product type. Below this baseline score would represent that the company has received fewer than average complaints.

Other Grange tools and benefits

In addition to homeowners and car insurance, Grange Insurance offers the following insurance products and tools that could be worthwhile:

• Renters insurance: As a renter, it can be important to insure your belongings. Renters insurance provides this coverage, along with liability and loss of use coverage.
• Condominium insurance: This policy type is tailored specifically to condo owners, who live in a shared building but are responsible for the interior of their unit.
• Business insurance: Grange offers several types of coverage to help you insure your business, including commercial property, commercial auto, liability and workers' compensation.

Frequently asked questions about Grange Insurance

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Auto insurance rates are weighted based on the population density in each geographic region.

Auto

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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.