Grange Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Grange Insurance Company Score
4.25 Stars
We award Grange Insurance a final rating of 4.25 out of 5 stars. The insurance company has been around for about 90 years. The carrier has high ratings through both AM Best and the Better Business Bureau (BBB) and has impressive financial strength.
Grange Insurance offers a wide variety of coverages for individuals and businesses and works with independent insurance agents, which is a huge advantage in our books. Though coverage is currently only offered in 13 states, in the areas where its products are offered, customers seem more than satisfied with their coverage.
Grange Insurance was founded in 1935. The carrier was founded with a mission to provide affordable auto insurance but has since greatly expanded its catalog to include renters insurance, umbrella insurance, commercial general liability insurance, and more. Its headquarters is in Columbus, OH.
Glowing customer reviews can easily be spotted across the web, which is certainly noteworthy for an insurance company. Topped off with a polished website that’s among the best around for modern insurance companies and 24/7 claims reporting, we say don’t hesitate to ask your independent insurance agent to help you look into Grange Insurance to be your next trusted carrier.
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Grange Insurance Products by Type
Grange Insurance offers a variety of insurance choices for individuals and businesses. Their products include:
Vehicle & Auto Insurance:
- Car Insurance
- Boat insurance
- Recreational vehicle insurance
- Motorcycle insurance
Home & Property Insurance:
- Home insurance
- Condo insurance
- Renters insurance
Business Insurance:
- Commercial property and auto insurance
- Commercial package insurance
- Risk control services
- Commercial general liability insurance
- Commercial umbrella insurance
- Farm owner insurance
Grange Insurance Homeowners Insurance
Grange Insurance's homeowners insurance policies include standard coverages, such as contents, dwelling, and liability. The carrier also offers underground service line coverage, equipment breakdown coverage, and identity theft coverage. A few additional coverage options are as follows.
Coverage types, features, and benefits:
Cyber
Includes protection for the policyholder's electronic data, smart home systems, and software in case of a cyber-attack.
Sewer backup and drains
Includes protection for sewer, drains, and sump pump failures and flooding.
Home replacement cost
Includes enough coverage to completely restore the home and its contents after a covered total loss.
Valuables, collectibles, and jewelry
Includes coverage to repair or replace valuable items if they're damaged or stolen.
Grange Insurance Homeowners Insurance Average Prices
Grange Insurance's homeowners insurance rates are cheaper than the current national average of $2,304 per year for a policy with $300,000 in dwelling coverage. A policy with the same amount of coverage averages $2,060 annually from Grange Insurance. Here are some average home insurance policy premiums from Grange Insurance by dwelling coverage amount.
Grange Insurance Average Home Insurance Prices by Dwelling Coverage Amount
| Dwelling Coverage Amount | National Average Annual Policy Premium | Grange Average Annual Policy Premium |
|---|---|---|
| $150,000 | $1,394 | $1,185 |
| $300,000 | $2,285 | $2,060 |
| $350,000 | $2,550 | $2,389 |
| $450,000 | $3,091 | $2,981 |
| $750,000 | $4,525 | $4,417 |
Grange Insurance's average home insurance premiums were cheaper than the national average in every dwelling coverage category we studied.
Grange Insurance Auto Insurance
Grange Insurance's auto policies come with the required liability coverage, with the option to add collision, comprehensive, uninsured/underinsured motorist, medical payments, and more. Other optional coverages include roadside assistance, rental car reimbursement, new car replacement, full glass, and umbrella. A few additional coverage enhancements are detailed below.
Coverage types, features, and benefits:
Loan/lease gap
Pays the difference between a vehicle's current actual cash value and the amount still owed on an auto loan or lease.
Identity theft
Includes coverage for professional services and resources in case your identity is stolen.
Pet injury and mobile device
Includes protection for pets, mobile devices, and other valuable passengers riding in your vehicle.
Original equipment manufacturer (OEM) parts
Pays to repair your vehicle with OEM parts rather than aftermarket.
Grange Insurance Auto Insurance Average Prices
Grange Insurance's average auto insurance premiums for a full coverage policy are below the current national average of $2,458 per year. A full coverage auto insurance policy from Grange Insurance averages just $1,950 annually. However, a minimum coverage policy from Grange Insurance averages $736 per year, which is higher than the national average of $678.
Here are some average car insurance premiums from Grange Insurance by driver age.
Grange Insurance Auto Insurance Average Prices by Driver Age
| Driver Age | National Full Coverage Annual Premium | Grange Full Coverage Annual Premium |
|---|---|---|
| 16 | $5,080 | $4,585 |
| 18 | $4,376 | $3,725 |
| 20 | $4,818 | $4,279 |
| 25 | $2,929 | $2,158 |
| 30 | $2,523 | $2,061 |
Methodology
Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.
What Discounts Does Grange Insurance Offer?
Grange Insurance offers several competitive discounts for its customers, especially on auto insurance. Its discounts include:
- New beginning discount: Offered to auto insurance customers who are newly separated or divorced.
- Multi-policy discount: Offered to customers who bundle their home, condo, or renters insurance with their car insurance through Grange Insurance.
- Good student discount: Offered to customers who have insured students who maintain a good grade average.
- Away at school discount: Offered to customers who have insured students who are away at school without a vehicle.
- Legacy loyalty discount: Offered to customers who get their own auto policy from Grange after leaving their parent's or guardian's policy.
- Safety technology discount: Offered to customers who have vehicles equipped with Automatic Emergency Braking and/or Blind Spot Warning technology.
- Paid in full discount: Offered to customers who pay their entire policy's premium upfront.
- Advance quote discount: Offered to customers who get quotes before their policy goes into effect.
- Paperless discount: Offered to customers who enroll in paperless billing.
Your independent insurance agent can help you find even more information on discounts offered by Grange Insurance and other ways to save money through the insurance company, helping you find the coverage you need at the rate you deserve.
Grange Insurance Customer Service
Grange Insurance allows customers to report claims via phone or online at any time. The carrier also provides the following customer service options:
- Phone
- Snail mail
- Online claims reporting
- Customer service inquiries hotline has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 7 p.m. | ||
| Saturday | 9 a.m. - 12 p.m. | ||
| Sunday | CLOSED |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
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Grange Insurance FAQs
Grange Insurance allows customers to file claims by phone or online. The carrier does not offer a specific claims response time frame promise.
Grange Insurance allows customers to file claims at any time online, over the phone, or through snail mail. The carrier's contact options for customer service inquiries are available Monday through Saturday. Customers can pay their bills through the official website as well. The carrier also has a social media presence on Facebook, X, Instagram, YouTube, and LinkedIn, which makes it even more accessible to customers.
Grange Insurance allows its customers to file claims anytime through multiple mediums. The official website lists its claims process in detail for every type of insurance they offer. Grange Insurance’s claims process for homeowners insurance customers is laid out on the website in the following steps:
- Customer receives a follow-up call from a Grange claims representative
- Damage assessment
- Schedule a visit with a claim adjuster and possibly receive an estimate
- Repairs are scheduled with a licensed contractor
- An itemized estimate is provided and the customer receives a claim payment
If a customer has further questions about the claims process, they can check the carrier's official website for assistance, contact Grange directly, or ask their independent insurance agent for help.
Grange Insurance’s official website is excellent. The layout is polished and highly intuitive, and finding pertinent information is simple for both prospective and current customers. Many modern services are offered for customers online, such as bill pay, finding an agent, filing claims, and more.
The insurance company also offers 24/7 claims reporting and has a strong social media presence. Overall, Grange Insurance’s user-friendliness experience is among the best of all carriers around today.
Grange Insurance was originally founded to offer auto insurance, though its catalog has since greatly expanded. The insurance company offers the following coverages for auto insurance customers:
- Underinsured/uninsured motorist coverage
- Roadside assistance
- Full glass repair
- Rental car reimbursement
- Pet injury and mobile device
- Identity theft
- Original equipment manufacturer coverage
- Loan/lease gap coverage
- Personal umbrella coverage
Your independent insurance agent can help you find out more about Grange Insurance’s auto insurance policies, as well as its many other products.
Grange Insurance has many years of experience under its belt today, and its ratings reflect that. The carrier has been highly rated by both AM Best and the BBB. Further, customer reviews are mostly glowing for the carrier, which is certainly not the case for all insurance companies. High ratings, long-standing status on the market, and a wide variety of coverage offerings all together can arguably classify Grange Insurance as a good insurance company.
Grange's insurance products may be right for personal or commercial customers located in the 13 states in which the carrier currently sells coverage. Available products include home insurance, auto insurance, business insurance, and more.
Grange Insurance's homeowners insurance rates are cheaper than the current national average of $2,304 per year for a policy with $300,000 in dwelling coverage. A policy with the same amount of coverage averages $2,060 annually from Grange Insurance.
https://www.grangeinsurance.com/
https://www.bbb.org/us/oh/columbus/profile/insurance-companies/grange-enterprise-companies-including-grange-and-integrity-insurance-0302-6101
https://news.ambest.com/newscontent.aspx?altsrc=149&refnum=247210
https://www.bankrate.com/insurance/reviews/grange/