Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
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At a glance
3.7
Rating: 3.7 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.7 stars out of 5
3.7
Cost & ratings
Rating: 3.8 stars out of 5
3.8
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 3.2 stars out of 5
3.2
Home
Rating: 3.6 stars out of 5
3.6
Cost & ratings
Rating: 2.75 stars out of 5
2.8
Coverage
Rating: 4.33 stars out of 5
4.3
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
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.
Not rated by J.D. Power for customer or claims satisfaction
Included on AM Best's "Standing the Test of Time" list for over 50 years of high financial strength ratings
Offers OnTrack Safe Drive app to reward safe driving habits
Auto
Avg. annual premium for full coverage
$2,045
Avg. annual premium for min coverage
$711
Home
Avg. annual premium for $300k dwelling coverage
$2,260
New
What’s new with Grange?
AM Best named Grange on its “Standing the Test of Time” list in October 2023 for earning an A or higher rating for the past 50 years. Grange also had its A rating reaffirmed in August 2024. In June 2023, Grange also won the United Way award for outstanding philanthropic leadership. In February 2024, the insurance company was given the 2024 Medical Mutual Pillar Award for community service for its contributions to Central Ohio.
Grange car insurance review
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. The moderate score is due in part to the company’s strong coverage options that are somewhat offset by limited 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 some 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.
Pros
Impressive list of coverage options
Several discounts available
Local agents available
Cons
Only available in 12 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 $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.
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.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
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.
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
The NAIC provides a unique complaint index for each of a company’s product types. The baseline for this score is 1.00, so any score above this baseline would indicate a company received more complaints than expected based on its market share.
For its private passenger auto insurance product, Grange has about twice as many complaints as expected based on its size. This index has increased in recent years, so you may want to speak with existing policyholders about their service experience.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.48 to 2.19.
End of interactive chart.
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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Grange
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Grange home insurance review
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.
Pros
Less-common coverage offerings
Several discounts, including a DIY home inspection discount
Local agents may be more familiar with the needs of homeowners in each geographic area
Cons
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 $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.
$150K dwelling
Grange average premium
$1,289
National average premium
$1,370
$300K dwelling
Grange average premium
$2,260
National average premium
$2,267
$350K dwelling
Grange average premium
$2,619
National average premium
$2,534
$450K dwelling
Grange average premium
$3,244
National average premium
$3,066
$750K dwelling
Grange average premium
$4,792
National average premium
$4,399
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.
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
The National Association of Insurance Commissioners (NAIC) issues product-specific complaint indexes for insurance companies. An index above baseline indicates more complaints than expected based on a carrier's market share. Grange has more complaints than expected for its home insurance product — and this index has been increased since 2021. However, as a smaller carrier, even a handful of complaints can push Grange's complaint index above baseline.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.48 to 1.93.
End of interactive chart.
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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Grange
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Grange with other insurers
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:
Featured
Grange Insurance
Rating: 3.7 stars out of 5
3.7
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
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.
If you live in Erie’s 12-state service area, the company could be a great choice for robust coverage and affordable premiums. Erie’s digital tools are lacking compared to its competitors, though, so it may not be the best choice for tech-savvy customers.
Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice. Geico also tied for the Best Auto Insurance Company Overall in our 2024 Bankrate Awards.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
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.
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.
Reddit user 1
Apr 1, 2014
Claims experience
“My ex-wife recently had a claim with Grange. The car was totaled and they offered her a fair amount for her vehicle. After looking into it a little more we discovered something that made the car more valuable than everyone realized. I made a phone call and they promptly increased the payout by $800.”
“Grange’s homeowners deductible is high, and they don't cover much unless it's a huge loss (your home burning down, for example). I am going through a claim that was denied currently. A tree fell on my garage, causing damage to it, and they claimed that removing the tree would cost $500, including grinding down the stump. It also destroyed my patio furniture and fence (they refuse to cover the fence).”
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.
Trustpilot user 1
Aug 1, 2022
Claim challenges
“My car was involved in a minor accident, not at all my fault. I got all the at-fault driver's details, got him to admit fault and contacted Grange. It started off very well, with them promising to manage all aspects of the claim and to claim off the other driver's insurance. They did as promised, with a bit of pushing from me and the repair was quoted and arranged.
I did not claim anything else from the at-fault driver for my expenses, inconvenience or final selling price impact. The challenge came when I came to settle the final bill and the repair company insisted I pay the 'deductible' from my insurance.
When I asked for this to be paid back by Grange, the problems started, with them procrastinating, with various excuses, for months. When I threatened them with legal action, the deductible was refunded within 24 hours!”
*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.
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
Grange has a helpful guide on the claims process online, and there are a few ways to file a claim. They have several phone numbers to call to report a claim, depending on the nature of the loss. For car accidents, you are encouraged to contact their 24-Hour Loss Reporting Center at 800-445-3030. You can also report claims online in your Grange account or by calling your Grange agent. Grange also has an online claims tracking program that helps you find out the current status of your filing without calling an agent.
Grange has been involved with a number of charitable causes in their region. In 2017, Grange Insurance partnered with the Columbus Foundation to launch Grange Insurance Gives, allowing them to contribute to nonprofit organizations on a yearly basis. In 2021, Grange reported that it gave over $2 million to more than 100 local organizations. Around 65 percent of Grange’s leadership also serves on the boards of various local nonprofits, and Grange has received a number of awards and accolades for its community efforts.
Grange can be a good car insurance company for policyholders who are looking for a provider with local expertise, flexible policies and good discount availability. However, it does have more customer complaints than expected for its market share. Since the company isn’t rated by J.D. Power for customer satisfaction, it may be a good idea to seek customer reviews before deciding to go with this carrier.
In 1935, Grange Mutual Casualty Company formed in downtown Columbus, Ohio. Its headquarters is still located downtown at 671 South High Street.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 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. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
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:
Other profiles
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.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (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 due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
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.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$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.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating 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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
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.
What policyholders are saying about Grange
Grange has 50 reviews
Dive into community reviews below and see what others think about Grange.
3.8
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
70% of consumers recommend this insurer
Score breakdown
5 stars
30%
4 stars
40%
3 stars
18%
2 stars
4%
1 star
8%
Score by category
Overall rating3.8 / 5
Original cost3.5 / 5
Coverage3.9 / 5
Customer Support3.9 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Grange.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I never feel like I'm being overcharged.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
A company’s reputation for handling claims efficiently and providing good customer support was a deciding factor.
Insurance Type
Auto
Score by category
Original cost1/ 5
Customer Support5/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Cheaper than most with the best coverage
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would recommend staying with them because of their ability to cover my car. They also have great customer service. I would switch if I find another with a lesser cost
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
We’ve been satisfied with our coverage and agent for many years
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
What made me choose this insurer was because of affordability and coverage.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would recommend this company because it's very easy to do business with and it’s affordable.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their pricing is pretty average but not terrible. I have considered switching to another company but I have been with this one so long now that the benefits are better if I stay with the one I’m in.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support2/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The primary reason I'd recommend staying with Grange Insurance is their specialized knowledge and responsiveness in handling claims.
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
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editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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