Grange Auto Insurance: User Reviews and Quotes (2024)

Grange Insurance offers excellent coverage options and discounts on auto insurance. Here’s what you need to know about this insurer.

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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

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7+ years experience in data analysis

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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Updated June 13, 2024

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Grange Insurance is a good car insurance option thanks to its numerous discounts and multiple great coverages. The company has a reputation for providing good customer service, has a high Better Business Bureau (BBB) rating, and has a network of local agents who can help you find the best policy for your needs.[1]

But the company doesn’t offer coverage nationwide and is only available in 11 U.S. states. Despite the many discounts offered, Grange is still more expensive than many of its competitors, so it’s important to compare multiple insurers to find the best deal.

Keep reading to learn how Grange Insurance works and whether it’s the right fit for you.

Liability coverage from Grange Insurance costs an average of $83 per month, and full-coverage insurance costs an average of $172.

The company has an AM Best financial strength rating of B++ (Good).[2]

Grange offers several discounts, including a student-away-at-school discount, a paperless billing discount, and an advanced quote discount.

How Grange compares to other insurance companies

Grange

Grange offers auto insurance through its partner company, Integrity Insurance. Compared to companies of a similar size, like Erie, COUNTRY Financial, American Family, and GAINSCO, Grange Insurance has benefits and drawbacks.

Grange is relatively small and only offers coverage in 11 states, which is less than its competitors. The company’s rates are comparable to its competitors, but it has a weaker financial strength rating from AM Best, which could affect its ability to pay out on claims.[2] The company also has a fairly low score of 832 from a 2022 J.D. Power study on customer satisfaction, but it ranks higher than American Family and COUNTRY Financial.[3] 

Grange has a high BBB rating for customer service, and its discounts and availability are similar to those of other companies.[1]

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Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.

Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot. 

Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.

Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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How Grange rates compare to competitors

Grange offers full-coverage insurance for an average of $172 per month and liability insurance for an average of $83 per month. Grange sits in the middle of the pack in terms of rates. American Family offers similar prices, GAINSCO’s premiums are much higher, and COUNTRY Financial and Erie offer cheaper premiums.

The table below compares full-coverage rates from Grange and its competitors.

Average cost of Grange auto insurance

Drivers with clean records typically secure the cheapest rates. In contrast, drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers as more likely to file a claim and charge higher rates to make up for the possible financial loss.

In addition to driving record, age can also affect rates. Teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience.

The table below illustrates how Grange’s liability rates compare to the national average liability rates for various driver profiles.

Grange car insurance cost by state

The cost of car insurance varies depending on several factors, including your location, because any risks associated with your ZIP code affect your rates. So, if you live in an area your insurer considers high-risk, you’ll pay more for auto insurance.

Fortunately, you can take steps to lower your insurance premiums. For example, parking in a covered garage instead of on the street, or using anti-theft equipment, can help lower car insurance costs.

Below is the average monthly liability rate for the 11 states Grange operates in and the state average. In general, Grange offers affordable rates for the states it operates in.

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Grange car insurance discounts 

Discounts help you save money on car insurance and are the best way to find lower rates. It’s always a good idea to ask your insurance company what discounts it offers since many don’t advertise them online.

Here are some of the top discounts Grange Insurance offers:

Accident forgiveness: With accident forgiveness, your rates won’t increase after your first at-fault accident.

Multi-policy discount: You could earn a discount for bundling your auto insurance with condo, renters, or homeowners insurance.

Good student discount: If your high school or college-aged student earns a “B” average or higher, they could receive a discount on their car insurance.

Away at school discount: You could receive a discount if your child is away at college without their vehicle.

Loyalty discount: Anyone who leaves their parents’ Grange auto insurance policy to open their own will receive a discount.

Safety discount: You’ll receive a discount if your car has automatic emergency braking or blind-spot warning technology.

Paid-in-full discount: You’ll receive a discount for paying your premiums annually instead of choosing a monthly fee.

Advance quote discount: If your Grange agent quotes you a new policy ahead of the effective date, you’ll receive a discount.

New beginnings discount: Grange offers a discount to anyone going through a major life change, like a divorce.

Paperless discount: In some states, you can receive a discount when enrolling in paperless billing.

How customers feel about Grange

Overall, customers seem to have a positive opinion of Grange Insurance. The company provides 24/7 claims reporting and lists its phone number on its website. If you’re involved in an accident, a claims adjuster will quickly evaluate your personal property to determine how much the company should reimburse you for the loss.

You can also contact your local agent to make changes to your policy, and you should receive a quick response. According to Grange’s privacy policy, the company will also send an automated text message to keep you informed about your policy.

The company has an A+ rating from the BBB, and it does a good job of responding and trying to resolve any customer problems.[1]

The company did have a higher-than-expected NAIC rating of 1.97, which means it received more complaints than average.[4] According to AM Best’s analysis, the company received a financial strength rating of B++ (Good), which is not as high as many of its competitors.[2]

One thing worth noting is that Grange has an entire page on its website dedicated to customer reviews. It even includes helpful negative reviews customers may want to read.

Grange customer reviews

After looking at many customer reviews of Grange, some common themes emerge. Most customers are happy with the company’s rates and satisfied with the overall customer service. But some complain that the claims process is either slow or poorly handled.

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Average

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Grange ratings

When comparing insurers, you want to ensure that a company provides great coverage, expedient customer support, and can pay out on its claims. AM Best looks at an insurer’s financial strength rating, while J.D. Power and the NAIC Complaint Index look at the customer experience and how the company responds to a formal complaint.

Grange car insurance coverage options

Grange offers the standard policies you’d expect to see, like liability, comprehensive, and collision insurance. But the company also offers several unique coverage options, such as identity theft insurance, mobile device coverage, and gap coverage.

Finding the right form of coverage will give you peace of mind if the unexpected happens.

Here’s an overview of the different coverage options:

Roadside assistance covers services like battery jumpstarts, lock-out assistance, tire change, or towing.

In the event of a total loss following an accident, Grange will pay to replace your vehicle if it’s less than 2 years old.

If your windshield cracks, you can replace it without paying your deductible.

Personal umbrella insurance provides coverage when you’ve exhausted your auto insurance limits.

If you total your car, gap insurance pays the difference between what your car is worth and what you still owe on the loan or lease.

If your pet is injured in a car accident, Grange will reimburse you for the vet bills.

If your mobile phone is damaged in an accident, Grange will pay to repair or replace it.

If your vehicle needs repair, Grange will pay for original manufacturer parts when possible.

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Other options for Grange customers

Here are some additional coverages Grange offers:

Home insurance: Grange also offers home, renters, and condo insurance. A homeowners insurance policy covers sewer and drain water backup, jewelry and other valuables, and home cyber protection.

Business insurance: Grange also offers business insurance products, including commercial property and auto, commercial package, and liability insurance.

Grange doesn’t offer life insurance, so if you’re looking for that coverage, Grange might not be right for you.

How Grange OnTrack app works

OnTrack is Grange’s telematics program. It allows you to earn a discount for demonstrating safe driving behaviors. You’ll contact your Grange independent agent to enroll and get answers to any questions you have. From there, you’ll download the OnTrack app to your smartphone and sign up using your email address.

The mobile app will collect your driving data for 90 days and evaluate things like mileage, the times of day you frequently drive, and the smoothness of the trip. When you renew your policy, you may qualify for discounts based on the information collected.

Grange insurance FAQs

Navigating the insurance industry can be challenging, and it’s hard to find the best insurance company for your situation. If you’re on the fence about Grange Insurance, here’s some additional information to consider.

Is Grange legitimate?

Yes. Grange Insurance is a legitimate company with a history of more than 80 years. The company has a mix of positive and negative reviews but hasn’t been linked to any fraudulent practices. The company offers a variety of services and provides a network of local independent insurance agents.

What is the average cost of Grange car insurance?

Grange customers pay an average monthly rate of $172 for full coverage and $83 for liability insurance. But your car insurance rates will vary depending on your location, driving history, and coverage amounts.

Is Grange good at paying claims?

Grange received an AM Best financial strength rating of B++ (Good), which is lower than many of its competitors.[2] The company has a J.D. Power rating of 832, also lower than its competitors.[3]  Some negative customer reviews complain about the claims process.

How do I cancel my Grange insurance policy?

If you want to cancel your policy, you’ll need to contact your Grange independent insurance agent. Make sure you have another policy lined up first to avoid any gaps in coverage.

What states does Grange Insurance write in?

Grange is available in 11 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Minnesota, Ohio, Pennsylvania, Tennessee, Virginia, and Wisconsin. If you don’t live in one of those states, you’ll need to look for another insurer. Either way, it’s important to shop around to find the best value for your money.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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