Grange Insurance, a regional insurance carrier located in Columbus, Ohio, offers auto, home and life insurance coverage in only 13 states, depending on the product type. Despite this, the company boasts a unique number of coverage options and discounts for both policy types. If you’re located in one of the states where Grange Insurance operates and want to build a personalized policy, Grange Insurance might be worth a look.
| Perks | Drawbacks |
|---|---|
| NAIC complaint index score indicates customer complaints is generally around the average expected for the industry | Limited state availability for Grange Insurance’s home and auto policies |
| Unique coverage and discount opportunities for both home and auto insurance compared to similar regional carriers | Low ranking on J.D. Power’s 2021 Auto Insurance Study and did not rank in the 2021 Home Insurance Study |
Grange Insurance might be a smaller insurance company, but it still offers insurance options to give policyholders an opportunity to personalize their home and auto insurance. Not to be confused with Grange Insurance Association, another insurance carrier located in the western U.S. region, Grange Insurance is headquartered in Columbus, Ohio. Grange Insurance offers homeowners insurance and auto insurance policies in thirteen states, but not every policy type is available in every state.
Grange car insurance | Bankrate Score 3.8
Along with its affiliate company, Integrity Insurance, Grange Insurance offers car insurance in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. Drivers interested in a regional carrier may appreciate having standard car insurance types from Grange, like bodily injury liability, property damage liability, uninsured and underinsured motorist coverage, as well as collision and comprehensive coverage. There are also other unique options. Some standout car insurance coverage options with Grange include 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.
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. While Grange wasn’t determined to be one of the best car insurance companies on our list, it received a financial strength rating of A (Excellent) from AM Best and its average premiums were below the national average. Grange dropped below the average in the 2021 J.D. Power Auto Insurance Study for overall customer satisfaction in the North Central region. This, along with limited state availability, earned Grange a Bankrate Score of 3.8 out of 5.
Grange car insurance cost
According to Bankrate’s analysis, the average cost of car insurance from Grange is $1,375 per year for full coverage and $613 per year for minimum coverage. This is less than the national average cost of car insurance, which is $1,674 per year for full coverage and $565 per year for minimum coverage. In most cases, after reviewing Grange Insurance’s average premiums for a variety of scenarios and life changes, the company typically comes in below the national average for the same situations.
| Full coverage annual rates | National average full coverage premium | |
|---|---|---|
| Clean driving history | $1,375 | $1,674 |
| Speeding ticket | $1,962 | $2,062 |
| At-fault accident | $2,229 | $2,311 |
| Adding a 16-year-old driver* | $2,296 | $2,531 |
*16-year-old rates reflect the added cost to their parents’ full coverage car insurance policy.
Grange car insurance discounts
Like many larger national insurance carriers, Grange Insurance offers common discounts to help 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:
- Legacy loyalty car insurance: Drivers who were previously insured under their parent or guardian’s Grange auto policy receive a discount if they purchase their own Grange auto policy.
- Advance quote: This discount may be added to your policy if you request a quote from Grange Insurance before your current auto policy’s effective date.
- New beginnings: 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.
Grange car services
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% off their car insurance.
Grange also offers an Easy-Snap auto claims service for qualifying minor claims. With it, a Grange claims representative sends a secure link to the policyholder where 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 | Bankrate Score 3.0
Homeowners who want unique coverage options and discounts may find those needs met with Grange 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 ratings for a Bankrate Score. Top homeowners insurance companies received a high Bankrate Score, but Grange’s homeowners insurance received 3 out of 5 points, considering its limited state availability and fairly competitive rates when compared to the national average. Because Grange did not rank in the 2021 J.D. Power Home Insurance Study and did not receive a Standard & Poor’s (S&P) financial strength rating, its Score came in lower in our evaluation.
Grange home insurance cost
Based on Bankrate’s analysis of homeowners insurance premiums, the annual average premium for Grange’s homeowners insurance is $1,239 for $250,000 in dwelling coverage. This is slightly lower than the national average cost of homeowners insurance, which is $1,312 per year for the same dwelling coverage amount.
| Dwelling coverage limit | Average annual premium | National average annual premium |
|---|---|---|
| $150,000 | $811 | $898 |
| $250,000 | $1,239 | $1,312 |
| $350,000 | $1,729 | $1,723 |
| $450,000 | $2,230 | $2,148 |
Grange home insurance discounts
Grange Insurance offers a number of discount opportunities to save money on home insurance. 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 ways to save if your homeowners policy is with Grange Insurance:
- Home maintenance: Homeowners can provide proof of inspections and home permits to receive a potential discount on their home insurance.
- Advance quote: 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.
Grange home services
Apart from its home insurance, Grange does not feature any additional home services to policyholders on its website.
Grange life insurance
Grange offers life insurance for policyholders to help with income replacement, education costs, mortgage protection, wealth transfer and final expenses, depending on individual needs. Its 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’s life insurance options, Grange recommends reaching out to one of its independent insurance agents.
Grange life insurance endorsements
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 services
It is unclear from the provider’s website whether it offers any additional services or products for life and financial planning.
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.
Grange social responsibility
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.
As of June, 2021, Grange reported that its Grange Insurance Gives program approved $1 million in grants to be released to different organizations dedicated to social justice equality, health and human service initiatives and economic disparities caused by COVID-19. Some of the organizations Grange donated to included Central Ohio: Center for Healthy Families, YMCA of Central Ohio, Volunteers of America and Children’s Hunger Alliance.
Not sure if Grange is right for you? Consider these alternatives
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:
- 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, like Grange, is available in Illinois, Indiana, Kentucky, Ohio, Tennessee and Wisconsin.
- 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.
- SafeCo: As a subsidiary of Liberty Mutual, SafeCo is another large insurance carrier with multiple coverage options for personalizing home and auto insurance.
Methodology
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 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the age 16 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Hawaii rates indicate age is not a contributing factor.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and a single DUI conviction.
Homeowners
- Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000
- Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000
- Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
- Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
- Coverage E, Liability: $300,000
- 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
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.
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