Grange insurance review 2025

Grange car insurance cost

According to Bankrate’s analysis, the average cost of car insurance from Grange is $2,045 per year for full coverage and $711 per year for minimum coverage. For reference, the national average cost of car insurance is $2,685 per year for full coverage and $800 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. We’ve broken down Grange’s average rates, compared to the national average, for several driving profiles in the tables below.

How much is Grange car insurance?

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. Be aware that not all car insurance companies will sell policies to drivers with DUI convictions, though Grange typically does. If you have a DUI and are interested in Grange, contact an agent directly to get the most accurate quote given your unique circumstances.

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. That’s because 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 until you pass retirement age. Drivers in their 70s and 80s may see their rates increase again.

Compare Grange car insurance rates

Car insurance rates can significantly vary from one company to another, influenced by factors such as coverage options, the policyholder's personal details and the company's risk assessment criteria. Below you can find Grange's average auto premiums compared to some of the largest insurance companies.

Grange customer satisfaction

When considering insurance options, it's crucial to look beyond just the rates; customer satisfaction plays a significant role in your overall experience. Good customer service can greatly impact the ease of purchasing, managing your policy and navigating the claims process. While price is a key factor, the quality of service can truly make or break your experience with an insurer. Grange is not scored by J.D. Power in their customer satisfaction studies, but there are other metrics available for assessing service.

AM Best gives Grange an A (Excellent) financial strength rating, with the highest being an A++. Furthermore, the company was recently included in AM Best’s “Standing the Test of Time” list for earning top ratings for the past 50 years.

Grange auto insurance customer complaints

Grange car insurance discounts

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

• Legacy loyalty car insurance discount: 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.
• Advance quote discount: 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 discount: Because divorce counts as a life change and likely affects who’s insured on your auto policy, Grange offers discounts to support policyholders experiencing this circumstance.
• Safety technology discount: If you have a vehicle that has automatic emergency braking or blind spot warning features, you might save on your Grange car insurance.

Grange home insurance cost

Based on Bankrate’s analysis of homeowners insurance premiums, the annual average premium for Grange’s homeowners insurance is $2,260 for $300,000 in dwelling coverage. Nationally, the average cost of homeowners insurance is $2,267 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.

Compare Grange homeowners insurance rates

Homeowners insurance rates can vary widely from one insurer to another, influenced by a range of factors, including the home's location, its characteristics and the coverage level chosen. Each company assesses these factors differently, leading to variations in the premiums they offer. Comparing quotes will provide the most accurate estimate of what you would pay for coverage with each company, but the rates below may give you a place to start in your shopping journey.

Grange customer satisfaction

While a carrier's auto and home customer service metrics are often similar, this isn't always the case. If you're only considering home insurance from Grange, you may want to look at home-specific service metrics. Grange is not currently scored by J.D. Power in their home insurance studies. Potential customers can look to other sources, such as customer reviews and testimonials, to gauge the insurer's performance and satisfaction rates.

Grange home insurance customer complaints

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:

• Home maintenance discount: Homeowners can provide proof of inspections and home permits to receive a potential discount on their home insurance.
• Advance quote discount: 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.
• Home buyer discount: If you’re a first-time homebuyer, Grange may give you a discount on your home insurance premium.
• DIY home inspection discount: 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.
• Smart fire and home alarm discounts: You could policy discounts if your home is equipped with central station fire alarm and central station burglar systems.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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 highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC). 
• 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 the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto 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 in 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.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
• 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 a 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 in 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.