Grange insurance review 2024
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At a glance
Score breakdown
Auto
3.5
Cost & ratings
3.3
Coverage
4.0
Support
3.2
Home
4.2
Cost & ratings
4.0
Coverage
4.3
Support
4.5
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
New
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. In June 2023, Grange also won the United Way award for outstanding philanthropic leadership.
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, 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.
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 $1,950 per year for full coverage and $736 per year for minimum coverage. For reference, the national average cost of car insurance is $2,458 per year for full coverage and $678 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.
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|---|---|---|
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Good driver, good credit
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Grange full coverage premium
$1,950
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National full coverage premium
$2,458
|
|
Grange full coverage premium
$2,919
|
National full coverage premium
$4,502
|
|
|
Grange full coverage premium
$2,587
|
National full coverage premium
$2,975
|
|
|
Grange full coverage premium
$2,984
|
National full coverage premium
$3,508
|
|
|
Grange full coverage premium
$3,144
|
National full coverage premium
$4,713
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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.
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|
|
|
|---|---|---|
|
Grange full coverage premium
$4,579
|
National full coverage premium
$5,229
|
|
|
Grange full coverage premium
$3,718
|
National full coverage premium
$4,501
|
|
|
Grange full coverage premium
$4,272
|
National full coverage premium
$4,972
|
|
|
Grange full coverage premium
$2,151
|
National full coverage premium
$3,031
|
|
|
Grange full coverage premium
$2,055
|
National full coverage premium
$2,622
|
|
|
Grange full coverage premium
$1,950
|
National full coverage premium
$2,458
|
|
|
Grange full coverage premium
$1,788
|
National full coverage premium
$2,220
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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.
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|---|---|---|
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$1,950
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$736
|
|
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$2,743
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$874
|
|
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$2,254
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$694
|
|
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$3,054
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$919
|
|
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$1,921
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$565
|
|
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$1,905
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$688
|
|
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$2,688
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$886
|
|
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$2,001
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$545
|
|
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$2,036
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$750
|
|
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$1,756
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$455
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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
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.
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.
Powered by Coverage.com (NPN: 19966249)
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
Powered by Coverage.com (NPN: 19966249)
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 $2,060 for $300,000 in dwelling coverage. Nationally, the average cost of homeowners insurance is $2,304 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.
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$150K dwelling
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Grange average premium
$1,185
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National average premium
$1,394
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$300K dwelling
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Grange average premium
$2,060
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National average premium
$2,285
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$350K dwelling
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Grange average premium
$2,389
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National average premium
$2,550
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$450K dwelling
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Grange average premium
$2,981
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National average premium
$3,091
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$750K dwelling
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Grange average premium
$4,417
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National average premium
$4,525
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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.
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$2,060
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- $244 |
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$1,955
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- $349 |
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$2,288
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- $16 |
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$1,448
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- $856 |
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$2,411
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+ $107 |
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$1,699
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- $605 |
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$3,524
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+ $1,220 |
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$1,691
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- $613 |
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$2,935
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+ $631 |
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$1,871
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- $433 |
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
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 slightly 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.
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.
Powered by Coverage.com (NPN: 19966249)
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
Powered by Coverage.com (NPN: 19966249)
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
3.9
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
Cost & ratings 3.7Coverage 4.2Support 3.9 |
Erie
4.2
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
Cost & ratings 4.6Coverage 3.9Support 3.8 |
Geico
4.4
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
Cost & ratings 4.7Coverage 4.0Support 4.4 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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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.
Read More
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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.
Read More
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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.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Rewards safe driving habits
Multiple home coverage types
Local agents
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Erie Rate Lock for stable rates
Pet coverage available
Outstanding customer service
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Robust digital tools
Long list of potential discounts
Coverage for high-risk drivers
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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$1,950 |
$2,036 | $2,023 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
893/1000 |
874/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| $2,060 |
$1,871 |
No rates available |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
674/1000 |
Not Scored |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| B++(Good) | A+(Superior) |
A++(Superior) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Grange insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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 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
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze November 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. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
Home
Bankrate utilizes Quadrant Information Services to analyze November 2024 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 levels:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000Additional profiles:
- Coverage A, Dwelling: $150,000, $350,000, $450,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
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 highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- 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.
What policyholders are saying about Grange
Grange has 25 reviews
Dive into community reviews below and see what others think about Grange.
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.
recommend this insurer
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
