Grange Insurance review 2023

Grange car insurance

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 and mobile device coverage, and even identity theft protection, which is typically found on property insurance policies. Grange car insurance is available in 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.

Our insurance editorial team reviewed a range of factors including premiums, discount options, customer satisfaction scores and financial strength ratings to assign each company a Bankrate Score. Grange’s Score is 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 13 states it services.

Pros and cons of Grange car insurance

While Grange car insurance could be considered fairly impressive considering the company's smaller size, there are certainly some drawbacks to consider. When you’re gathering car insurance quotes and comparing companies against Grange, it can be helpful to understanding Grange’s strengths and weaknesses.

Grange car insurance cost

According to Bankrate’s analysis, the average cost of car insurance from Grange is $1,680 per year for full coverage and $581 per year for minimum coverage. For reference, the national average cost of car insurance is $2,014 per year for full coverage and $622 per year for minimum coverage. Rates will vary based on your unique driving profile — including the state you live in, your driving record, and the specific coverage types and limits you choose — but we’ve broken down Grange’s average rates, compared to the national average, for several driving profiles in the tables below.

Grange car insurance rates by driving history

Your driving history is one of the biggest rating factors that companies analyze. If you’re comparing car insurance rates, keep in mind that if you have incidents like tickets or at-fault accidents on your driving record, you’ll likely pay higher premiums. Bankrate has tracked driving incident premiums for several years, but we’ve chosen not to feature rates for DUIs here. This is because some companies will not sell policies to drivers with DUI convictions. If you have a DUI and are interested in Grange car insurance, contact Grange directly to see if you qualify for coverage.

Grange car insurance quotes by age

Age is another rating factor that plays a significant role in determining your premium. Generally, older drivers have cheaper car insurance rates than younger drivers. Younger drivers are less experienced and therefore seen as more likely to file claims. Here, we feature average rates for drivers of several ages, both on and off their parents’ policies. As long as you keep a clean driving record, you should see your rates decrease with age.

Average cost of car insurance for drivers on their parent’s policy

Average cost of car insurance for drivers on their own policy

Grange car insurance discounts

Like many larger national insurance carriers, Grange Insurance offers several discounts to help you save on car insurance. These include the multiple policy discount for bundling home and auto and good student discount. Some more unique Grange savings opportunities for car insurance include:

Grange car tools and benefits

Grange Insurance’s OnTrack car insurance mobile app is another way drivers can save on car insurance. OnTrack is a usage-based telematics program that rewards drivers based on how they drive. The program collects data through the mobile app for 90 days, analyzing the total mileage, time of day, braking and acceleration of your driving, as well as road type. Drivers who are new Grange auto policyholders could earn a discount just by enrolling, with all policyholders able to earn up to 25 percent off their car insurance.

Grange also offers an Easy-Snap auto claims service for qualifying minor claims. With this feature, a Grange claims representative sends a secure link to the policyholder so they can upload pictures of their vehicle and submit photos of the damage through either the Grange app or website. The service is meant to add convenience to the submission, payment estimation and payout process.

Grange home insurance

Homeowners who want unique 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, our insurance editorial team also evaluated Grange's home insurance through its average premiums and third-party rankings for a Bankrate Score. The best homeowners insurance companies typically receive a higher Bankrate Score on our 5-point scale. Grange’s Bankrate Score is average, due mostly to its limited availability and basic digital tools.

Pros and cons of Grange homeowners insurance

Our Grange Insurance review found that the company offers an impressive home insurance product, despite its small size, but no company is without drawbacks. Here are some pros and cons of Grange home insurance:

Grange home insurance cost

Based on Bankrate’s analysis of homeowners insurance premiums, the annual average premium for Grange’s homeowners insurance is $1,212 for $250,000 in dwelling coverage. Nationally, the average cost of homeowners insurance is $1,428 per year for the same dwelling coverage amount. Shopping around and comparing home quotes is a helpful strategy when you’re looking for a home insurance policy. Rates vary by a number of metrics, including the amount of dwelling coverage you need. In the table below, we compare Grange’s average rates to the national average for several levels of coverage.

Grange home insurance discounts

Grange Insurance offers a number of discount opportunities to get a cheaper home insurance policy. While the multiple policy discount is one great option if you plan to bundle your home and auto insurance with a single carrier, it isn’t the only choice. Below are some other standout home insurance discounts that Grange offers:

Grange home tools and benefits

Apart from its home insurance, Grange does not feature any additional home services to policyholders on its website.

Grange life insurance

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. Garage life insurance policies are underwritten by either Grange Life Insurance Company or Kansas City Life.

However, life policies from Grange are not available in each of the 13 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.

Pros and cons of Grange life insurance

Grange doesn’t list much information about its life insurance products online, but here are some pros and cons that we identified:

Grange life insurance endorsements

Life insurance endorsements will add a cost to your policy, but will also broaden your coverage. If you’re looking for the cheapest life insurance, it may be helpful to weigh the cost of an endorsement against the added value it provides. Grange does not detail any specifics about its life policies on its site, including endorsements. Those curious about their options with the carrier can speak with a Grange independent insurance agent.

Grange life tools and benefits

It is unclear from the provider’s website whether it offers any additional services or products for life and financial planning.

Not sure if Grange is right for you?

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:

Grange vs. Erie

Like Grange Insurance, Erie is a regional insurance carrier that could be a good point of comparison to see which insurer gives you the best rates. Erie offers auto, home and life insurance and is available in 12 states and Washington, D.C. Erie and Grange both offer unique and robust coverage offerings, but both companies fall short of the robust digital tools offered by other carriers.

Learn more: Erie Insurance review

Grange vs. Geico

If you like the multiple discount options that Grange Insurance provides, but prefer to be with a large national insurance carrier, Geico could be a good fit. Geico is known for its robust digital tools and long list of discounts — which helped it tie for a 2023 Bankrate Award for Best Auto Insurance Company Overall. However, it doesn’t offer many optional coverage types for auto policies. If Grange’s endorsements are appealing, you probably won’t be satisfied with Geico’s add-on options, which are extremely limited. However, Geico’s home insurance is underwritten by third parties, which means that service will vary depending on the insurer you’re placed with.

Learn more: Geico Insurance review

Grange vs. Safeco

As a subsidiary of Liberty Mutual, Safeco is another large insurance carrier with multiple coverage options for personalizing home and auto insurance. Safeco’s digital tools are far more built out than Grange’s, so if you like handling your insurance digitally, Safeco might be a good choice. Grange and Safeco have a strong community presence in common, which may be appealing to those who want to make sure their insurance company gives back.

Learn more: Safeco Insurance review

Is Grange a good insurance company?

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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

• $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 sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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 parent's policy reflect the good student and driver's training discounts applied. The rates for drivers aged 18–20 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

• 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 Scores

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.