Grange insurance review 2024

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 3.5 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 doesn't have nationwide availability, it could still be one of the best car insurance companies for drivers in its 12-state service area.

Pros and cons of Grange car insurance

While Grange car insurance could be considered fairly impressive — especially for an insurer of its modest 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 understand Grange’s strengths and weaknesses.

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 4.2. While the company did not make our best homeowners insurance companies list, its Score indicates that it could be a good option for many homeowners. Grange’s Bankrate Score is one of the highest, due in part to its great customer support and impressive coverage options.

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.

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.

What are real-life customers saying about Grange?

To gain a well-rounded view of Grange Insurance, we've explored feedback from actual customers sharing their experiences on platforms like Reddit and Trustpilot. While Reddit serves as a dynamic forum for community discussions, Trustpilot offers structured reviews, both of which provide valuable insights into customer interactions with Grange.

Reddit

Reddit users shared mixed experiences with Grange Insurance.

Trustpilot

Trustpilot reviews for Grange Insurance reveal a spectrum of customer experiences, from satisfaction with the ease of the quoting process and digital access to policy information to challenges with claims handling.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Grange company details 

• Customer service: 1-800-422-0550
• Payments: 1-800-425-1100
• Claims: 1-800-445-3030
• Glass-only auto claims filing: 1-800-951-9734
• Life insurance: 1-800-399-3797
• Website: grangeinsurance.com
• Address: Grange Insurance, 671 South High Street, Columbus, OH 43206

State availability

Grange Insurance offers home and auto coverage in GA, IL, IN, IA, KY, MI, MN, OH, PA, TN, VA and WI.

Grange Insurance 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 April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 2022 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, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

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

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

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

Bankrate Score

Our 2024 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.

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. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average 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, Demotech 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.