Grange Insurance Review

Key Points:

• Grange offers affordable insurance coverage with add-on options like pet injury coverage and full glass repair.
• Grange Insurance is only available to drivers in 11 states.
• Drivers may benefit from comparing Grange quotes against quotes from companies like USAA and Geico.

If you live in a state where Grange Auto Insurance provides coverage, you may be wondering if it’s the right provider for you. Our expert team took an in-depth look at Grange car insurance reviews, coverage options, discounts, customer service, and more to see how the company measures up to the best car insurance companies in the country.

With this information, you can see if Grange provides the auto policies and insurance rates that you’re looking for.

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Grange Insurance Review

Grange offers great coverage options alongside an impressive list of optional coverages, making it a good choice for drivers looking for something extra from their insurance policies. Grange boasts an outstanding industry reputation, though the availability of its insurance products is limited. See the benefits and drawbacks of working with Grange below:

Pros And Cons Of Grange Insurance

Grange Insurance Ratings

Grange has high scores in our cost and coverage categories thanks to its affordable policies and large selection of add-ons or optional coverages. Additionally, Grange insurance offers some unique extras, such as pet injury coverage, as part of its standard policies.

However, Grange policies are only available in a handful of states, and customer feedback on insurance claims service is mixed. As a result, you’ll see the company has lower scores in our availability and service categories. See how the company scored across all of our review categories below:

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

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Grange Insurance: Overview

Not to be confused with Grange Insurance Association, which serves six states in the Northwest, Grange Insurance provides coverage to drivers across 11 states, including Georgia, Illinois, Indiana, Iowa, Kentucky, Minnesota, Ohio, Pennsylvania, Tennessee, Virginia, and Wisconsin. 

Grange Insurance was founded in 1935 and has been affiliated with Integrity Insurance since 2001. Together, both companies sell affordable and customizable auto, life, homeowners, renters, umbrella, motorcycle, boat, and business insurance products. Grange Insurance currently has a financial strength rating of A from AM Best which, combined with its long history, demonstrates the company’s solid reputation in the insurance industry.

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Grange Auto Insurance Coverage

Grange sells standard types of car insurance as well as policy add-ons. The availability and limits of each coverage can vary by state. Since Grange sells its products through independent agents, they would be your best resource if you have any questions about your eligibility. Depending on the coverage, Grange customers may be eligible for a grace period of 30 days when adding new cars to their policies.

Below are the standard types of car insurance available from Grange Insurance company:

Grange Auto Insurance also offers optional policy add-ons such as:

• Roadside assistance with towing service 
• Full glass repair coverage
• Rental car reimbursement
• Pet injury coverage
• Identity theft coverage
• Original equipment manufacturer (OEM) coverage
• Loan/lease gap coverage
• Personal umbrella insurance
• New car replacement coverage

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Grange Auto Insurance Cost

The cost of your car insurance from Grange will depend on many factors, including your age, location, driving record, driving habits, and vehicle. Typically, expensive, sporty, or high-horsepower vehicles are more expensive to insure. In some states, your credit score may also affect your rates. 

Since Grange sells policies through independent insurance agents you’ll need to get in touch with a Grange independent agent if you want to buy coverage or see how much your insurance coverage will cost. On the company’s website, you can find a local agent near you.

To help you compare your quote, here are the average annual insurance cost estimates for each of the states in which Grange offers coverage:

Some Grange independent agents may have online tools to help you personalize insurance quotes. You’ll provide standard information such as your name, address, age, marital status, the make, model, and year of your car, the vehicle identification number (VIN), and details of other drivers you’d like to add to the policy.

Depending on the state you live in, some or all of the following factors may determine how much you’ll pay for car insurance:

• Age: Younger drivers, including teens, tend to pay higher rates than their older counterparts.
• Gender listed on your driver’s license: Male drivers may be considered higher-risk, so they tend to pay slightly higher rates for car insurance. The Insurance Institute for Highway Safety (IIHS) notes that, in 2021, men of all ages were in more fatal car accidents than women. 
• Marital status: Married couples often qualify for special rates or insurance discounts.
• Credit score: Drivers with good credit often qualify for lower rates than drivers with fair to poor credit scores.
• City: Traffic and theft risks vary by location, as do car insurance coverage rates.
• Driving history: A history of speeding tickets, accidents, or a recent DUI can negatively impact your car insurance rates.

Grange Auto Insurance Discounts

Grange’s auto insurance discounts can help bring down your insurance premiums. Like many companies, policyholders who bundle their auto insurance with products like home insurance or life insurance will get a discount on each policy.

You should know that some of these discounts may apply only to certain coverages. 

Here are the discounts that Grange offers:

• Good student
• Student away at school
• Multi-policy
• Safety technology
• Paperless payment 
• Legacy loyalty
• Accident forgiveness
• Paid in full
• Advance quote
• New beginnings (recently divorced discount)

One of the standout discounts from Grange is its “new beginnings” discount, which offers support to recently divorced  policyholders by providing discounts. Another unique offering is its legacy loyalty discount, which gives savings to new Grange policyholders that used to be on a parent or guardian’s Grange policy. And with accident forgiveness, your rates won’t go up after your first at-fault accident. 

Grange’s usage-based program, OnTrack, may save policyholders even more money. Through a mobile app, OnTrack monitors driving habits, like how often, what time, and how smoothly you drive. If you’re a safe driver, you’ll get discounts, but your rates won’t increase if the app determines that you have bad driving habits. 

If you plan to insure your car with Grange, don’t forget to talk to your insurance agent about your eligibility for auto insurance discounts, as there may be more. Please note that some discounts are available only in certain states.

Policy Management

Though it doesn’t have online quoting, Grange auto insurance offers online account management for customers. Grange auto insurance customers can view their policy, pay bills, report claims, and more. Grange also has apps (iOS and Android) for customers who wish to manage their policies on their mobile devices.

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Grange Auto Insurance Reviews

Grange Insurance has a reputation for good customer service. In the 2023 J.D. Power Auto Insurance Study^SM, Grange Insurance was ranked second out of 19 companies for overall customer satisfaction in the North Central region, which includes Illinois, Indiana, Michigan, Ohio, and Wisconsin.

Grange has been accredited with the BBB since 1970 and has an A+ rating. The company also holds a high rating of 4.8 out of 5 stars from customers on the platform based on 329 reviews. The number of complaints lodged against the company in the last three years is 80, which is lower than some other companies. However, Grange is considered a small insurer, since it only works with customers in 11 states.

Grange Auto Insurance Customer Reviews

The company’s customer reviews on BBB are mostly positive, and many praise the company’s professionalism in handling claims.

Like any other insurance company, Grange auto insurance has its share of negative customer reviews on the BBB as well. Complaints range from sudden rises in premiums to poor communication to delays in receiving compensation or claims resolution.

Out of the 80 complaints filed against it in the last three years, 25 have been closed in the last 12 months. Grange Insurance has replied to each complaint and offered explanations or possible resolutions, which we think indicates the company is committed to ensuring a fair experience for all customers.

Since Grange Insurance sells policies through independent agents, we also suggest looking up customer reviews for your area to get an idea about the local service quality.

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Grange Auto Insurance: Our Take

Grange auto insurance is most suited for customers who prefer working with an insurance agent instead of quoting or buying a policy online. Also, it offers a wide variety of insurance discounts that can help bring down the premiums for eligible customers.

Since Grange operates through local agents, not all of its perks may be listed online. Make sure to specifically ask your agent if additional coverages or discounts are available with your policy and check the fine print of the policy before purchasing.

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Our Recommended Auto Insurance Providers

If you don’t live in any of the 11 states that Grange services, or would simply like to look at more options before finalizing your insurance coverage, we recommend reading our review of the best car insurance companies on the market. It’s always smart to shop around and get quotes from multiple providers when buying car insurance.

USAA: Best For Military Members

USAA has an outstanding industry reputation and is rated A++ by AM Best for financial strength. The company offers competitive prices for military members and their families, and offers flexible coverage options and excellent customer service.

Read more about the company and its policies in our in-depth USAA insurance review.

Geico: Best For Basic Coverage

If you’re not a member of or affiliated with the military, Geico might be a good alternative for affordable insurance coverage. According to the National Association of Insurance Commissioners (NAIC), it was the third-largest auto insurance provider in the country in 2023. It offers a well-rounded mix of liability, comprehensive, and usage-based coverage options. Geico has a high number of discount opportunities, meaning most drivers can find ways to save.

Read more about coverage and pricing in our Geico insurance review.

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FAQ: Grange Auto Insurance

Below, we cover some of the most frequently asked questions about Grange auto insurance:

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How We Rated Grange Insurance:

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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