Grange Insurance review 2023
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At a glance
Cost & ratings
Cost & ratings
About Bankrate Score
Policyholders who value specialized coverage and an array of discounts might consider Grange Insurance as their company of choice, but the company isn’t available nationwide.
Several types of insurance available
Unique coverage options and discounts
Limited state availability
Few third-party ratings
In April 2022, Grange was honored by Columbus Business First with a Diversity in Business Award. In 2016, Grange launched an impressive Diversity and Inclusion strategy, and the award celebrates the company’s efforts.
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.
Impressive list of coverage options
Several discounts available
Local agents available
Only available in 13 states
No online quoting
Digital tools lack functionality according to app reviews
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 average monthly full coverage premium Grange average annual full coverage premium National average annual full coverage premium Clean driving history $140 $1,680 $2,014 Speeding ticket conviction $177 $2,118 $2,427 At-fault accident $211 $2,537 $2,854 Grange average monthly minimum coverage premium Grange average annual minimum coverage premium National average annual minimum coverage premium Clean driving history $48 $581 $622 Speeding ticket conviction $59 $707 $748 At-fault accident $71 $851 $892
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:Drivers who were previously insured under their parent or guardian’s Grange auto policy could receive a discount if they purchase their own Grange auto policy.This discount may be added to your policy if you request a quote from Grange Insurance before your current auto policy’s effective date.Because divorce counts as a life change and likely affects who’s insured on your auto policy, Grange offers discounts to support policyholders with this circumstance.If you have a vehicle that has automatic emergency braking or blind spot warning features, you might save on your Grange car insurance.
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:
Unique coverage offerings
Several discounts, including a unique DIY home inspection discount
Local agents may be more familiar with the needs of homeowners in each geographic area
Limited state availability
No J.D. Power ratings for customer or claims satisfaction
Digital tools are less robust than many competitors
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.
Dwelling coverage limit Grange average annual premium National average annual premium $150,000 $779 $975 $250,000 $1,212 $1,428 $350,000 $1,680 $1,879 $450,000 $2,154 $2,343 $750,000 $4,018 $3,761
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:Homeowners can provide proof of inspections and home permits to receive a potential discount on their home insurance.Similar to the discount opportunity with Grange auto insurance policies, homeowners might qualify for a discount on their Grange home insurance policy if they request a quote before their current policy’s effective date.If you’re a first-time homebuyer, Grange may give you a discount on your home insurance premium.Most home insurance companies do routine inspections of the properties they insure. Grange has a do-it-yourself home inspection app that you may be able to use to get a discount on your premium.
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:
Buying Grange life insurance could mean you can handle all your policies in one place
Licensed local agents can help guide you through the life insurance process
Offers coverage to fit a variety of end-of-life needs
Not available nationwide
Limited information available online
No online quotes
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.
Grange customer satisfaction
Reviewing a company’s rates is part of finding the best insurance, but price isn’t the only factor to think about. Customer satisfaction is an important consideration when choosing a company. Good service can mean the difference between smooth purchase, management and claims processes and major frustrations. To review customer satisfaction, you may want to consider studies like the ones that J.D. Power conducts, which analyzes service in several key interactions, and complaint index scores from the National Association of Insurance Commissioners (NAIC), which tracks the number of complaints it receives about a given company.
We’ve broken out Grange’s customer satisfaction reviews by product line below. One important overall third-party review, though, is a company’s financial strength. AM Best gives Grange an A- (Excellent) financial strength rating. This isn’t the highest rating (which is an A++), but it is toward the top of AM Best’s scale. The rating indicates that Grange has historically been able to pay claims.
Grange auto satisfaction
J.D. Power doesn’t rate Grange specifically for auto claims satisfaction, likely because it’s a smaller carrier. However, the 2022 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. Unfortunately, the company has a score that is below the regional average: 832/1,000.
The NAIC’s complaint index gives additional perspective. Grange has a score of 1.18 for its private passenger (personal auto). This is slightly above the baseline of 1.00, which indicates just above a normal number of complaints filed against Grange with the NAIC. This indicates that customers may be fairly satisfied with Grange’s auto insurance service, but that the company may also have room for improvement. You may want to talk to current policyholders about their experiences before you buy a policy.
Grange homeowners satisfaction
Grange isn’t rated in any J.D. Power home insurance study, so the NAIC complaint index is the only third-party tool for assessing customer satisfaction. Grange has a complaint index of 0.16 for home insurance, significantly lower than its auto index and below the baseline. However, it could still be worthwhile to chat with current Grange customers if you’re considering the company for your own insurance needs.
Grange life satisfaction
Grange wasn’t rated in J.D. Power’s annual life insurance study, but the NAIC does assign a complaint index to both its underwriting companies, Grange Life Insurance Company and Kansas City Life Insurance Company. Grange Life has an index of 0.62 and Kansas City Life has an index of 0.37, both of which are below the baseline for individual life products.
How to file a claim with Grange
Grange has several phone numbers to call to report a claim, depending on the details of the loss:
- 1-800-445-3030 for auto and home claims
- 1-800-951-9734 for auto glass-only claims
- 1-866-767-0150 for roadside assistance or request help in the app
- 1-800-399-3797 for life insurance claims
You can also report claims online in your Grange account or by calling your Grange agent
After you file a claim, you can track it by calling 1-800-686-0025. Grange has a helpful guide on the claims process and what to expect for auto, home, business and life insurance claims. You can also use Grange’s website to find a repair shop or contractor for your auto or home damage, and don’t forget about the unique Easy-Snap feature for minor auto claims. Once your claim is settled and it’s time to get a payment, Grange offers several different methods. Depending on your situation, you may be able to have the money deposited into a bank account, onto a debit card, into a PayPal account or onto a prepaid virtual card.
Other Grange perks worth considering
In addition to homeowners and car insurance, Grange Insurance offers the following insurance products 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 may 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.
Grange corporate sustainability
In 2017, Grange Insurance partnered with the Columbus Foundation to launch Grange Insurance Gives, allowing the company to contribute to nonprofit organizations on a yearly basis. Grange Insurance reports that it has already made a major impact. Prior to the giveback program’s launch, Grange associated volunteered over 8,500 hours and contributed around $1.4 million to various nonprofit organizations.
Grange reported that in 2021, it gave over $2 million to more than 100 local organizations. Of those who serve as Grange’s leadership, 65 percent also serve on the boards of various local nonprofits. Additionally, the Grange Insurance Audubon Center is the only urban nature center in Columbus, Ohio. Grange has a number of awards and accolades for its efforts in the community.
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.46years of industry expertise122carriers reviewed20.7KZIP codes examined1.2Mquotes analyzed
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:
- $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.
- 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.
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.On This Page