Paul Sanchez
Grange Insurance is a legitimate company with a history of more than 80 years. It offers auto insurance through its partner company, Integrity Insurance, and provides coverage in 12 or 13 states. Grange has a mixed bag of reviews, with some customers praising its high coverage and value, while others complain about constant rate increases and poor customer service. Its rates are said to be higher than average, with the average monthly rate for full coverage being $172 and $83 for liability insurance. Grange offers a range of discounts, including for defensive driving courses, good students, and virtual home inspections.
| Characteristics | Values |
|---|---|
| Customer satisfaction | Mixed |
| Customer complaints | More than expected for its market share |
| Customer reviews | Mixed |
| Availability | Only available in 12 or 13 states |
| Affordability | Rates are higher than average |
| Discounts | Yes, for defensive driving courses, good students, bundling policies, new homeowners, getting a quote early, some types of home maintenance, and some smart home alarms |
| Financial strength rating | A (Excellent) |
| Full coverage insurance | $2,171 per year |
| Minimum coverage insurance | $820 per year |
| Home insurance | $1,020 per year |
| Full coverage insurance (monthly) | $172 |
| Liability insurance (monthly) | $83 |
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What You'll Learn
Grange Insurance rates are higher than average
Grange Insurance is a legitimate company with a history of more than 80 years. The company offers a variety of services and provides a network of local independent insurance agents. However, its rates are higher than average.
Grange Insurance has good coverage options for a small insurance company. It offers flexibility for different coverage options, including cracked windshield replacement or coverage for family members in assisted living. Grange also provides a solid range of additional coverages beyond the basics. For example, you can get roadside assistance, which pays for the cost of a tow truck, locksmith, fuel delivery, or tire change if you're stuck on the road. Grange also offers personal cyber-security insurance, identity theft protection, and coverage for manufacturer car parts.
However, Grange's rates for car and home insurance are slightly more expensive than average. For example, Grange home insurance costs about $1,020 per year, which is around 16% more than the average. Grange customers pay an average monthly rate of $172 for full coverage and $83 for liability insurance. The average cost of car insurance from Grange is $2,171 per year for full coverage and $820 per year for minimum coverage, while the national average cost of car insurance is $2,680 per year for full coverage and $802 per year for minimum coverage.
Grange's rates may be higher due to its limited availability and other conditions. The company only offers coverage in 12 or 13 states, which is less than its competitors. Grange also has more customer complaints than expected for its market share and has a low score of 832 from a 2022 J.D. Power study on customer satisfaction. Additionally, customers have reported constant rate increases and a lack of communication from Grange.
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Grange Insurance has good coverage options
Grange Insurance offers a good range of coverage options for a small insurance company. Grange provides auto insurance through its partner company, Integrity Insurance. It offers full coverage insurance, which is a good choice for drivers who don't want to pay out of pocket to repair or replace their cars after an accident. Grange also offers glass repair coverage to fix cracked windshields without a deductible, and original equipment manufacturer (OEM) parts coverage, which ensures that aftermarket parts are not used to repair policyholders' cars.
Grange Insurance also provides home insurance, which costs around $1,020 per year, and offers a discount if policyholders use its app to do a virtual insurance inspection. Grange offers additional protection options, such as underground service line coverage, which covers repairs. Grange also offers personal cyber-security insurance, identity theft protection, coverage for manufacturer car parts, and roadside assistance packages.
Grange Insurance is a good option for those seeking flexibility in their coverage options. The company offers policy customization and flexibility, with specialty add-ons available. Grange also provides discounts for bundling policies, new homeowners, getting a quote early, some types of home maintenance, and some smart home alarms.
Grange Insurance is also a good choice for those with driving incidents on their record, such as tickets or at-fault accidents, as these individuals will likely pay higher premiums with other companies. Grange typically sells policies to drivers with DUI convictions, though it is recommended to contact an agent directly for a quote in these circumstances. The company also offers a defensive driving course discount and a good student discount for young drivers.
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Grange Insurance offers discounts for safe driving
Grange Insurance is a small insurance company that offers coverage in 12 or 13 states across the Midwest and Southeast, including Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. The company provides auto, home, and car insurance.
Grange Insurance offers various discounts for its insurance policies, including for safe driving. Safe drivers can save by using the OnTrack app, a telematics program that tracks driving habits. Users get a 10% discount for signing up, and they could save an additional 25% based on driving behaviour, such as when they drive, the types of roads they use, their mileage, and any hard braking. Notably, Grange only uses driving data to give discounts, and rates will not increase due to driving behaviour. This is in contrast to most other companies that have similar apps, where there is a risk of paying a higher premium based on driving behaviour.
Grange Insurance also offers a defensive driving course discount, but only in states that legally mandate it. Thirty-four states and the District of Columbia require insurance companies to provide a defensive driving discount to eligible drivers, though exact discount amounts and requirements vary. Additionally, Grange offers a good student discount, as having good grades demonstrates responsibility to the insurer.
While Grange Insurance provides good coverage options for its size, its rates and customer satisfaction are worse than average. Its auto insurance rates are higher than the national average, and it has more customer complaints than expected for its market share. However, it is important to note that rates will vary based on individual factors, such as age, driving record, and the specific coverage types and limits chosen.
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Grange Insurance has mixed customer satisfaction
Grange Insurance has mixed customer reviews, with some praising the company for its high coverage and value, while others complain about constant rate increases and a lack of communication. The company has a fairly low score of 832 from a 2022 J.D. Power study on customer satisfaction, but it ranks higher than some of its competitors. Grange's rates are also higher than average, with full coverage insurance costing around $2,171 per year, compared to the national average of $2,680. However, Grange offers a wide range of coverage options, including cracked windshield replacement and coverage for family members in assisted living. The company also provides discounts for things like defensive driving courses and good student discounts.
Some customers have expressed dissatisfaction with Grange Insurance, particularly regarding rapid rate increases after the first year and a lack of communication from adjusters. There are also complaints about the company's website being primitive and hard to navigate. Additionally, Grange Insurance is not available nationwide, which may be a drawback for some customers.
On the other hand, Grange Insurance has been praised by some customers for its high coverage and value. The company offers a solid range of additional coverages beyond the basics, including glass repair coverage and original equipment manufacturer (OEM) parts coverage. Grange also has a good reputation for handling claims promptly and efficiently. Some customers have also highlighted the company's flexibility in policy customization and the availability of local independent insurance agents.
Overall, Grange Insurance has mixed customer satisfaction, with some praising the company's coverage and claims handling while others express frustration over rate increases and communication issues. It is essential to consider individual needs and priorities when choosing an insurance provider, as well as seeking out a variety of customer reviews to make an informed decision.
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Grange Insurance offers specialty add-ons
Grange Insurance is a good option for drivers seeking local expertise, flexible policies, and good discount availability. The company offers specialty add-ons that cater to specific needs beyond standard coverage. Here are some key features of Grange Insurance's specialty add-ons:
- Personal cyber-security insurance and identity theft protection: In today's digital world, these add-ons provide valuable peace of mind. With the ever-increasing risk of cyber threats and identity theft, having this additional layer of protection can be invaluable.
- Coverage for manufacturer car parts: This add-on ensures that your vehicle is repaired with original manufacturer parts, maintaining its integrity and potentially enhancing its longevity.
- Roadside assistance packages: Roadside assistance can be a lifesaver when you're stranded due to a flat tire, dead battery, or other vehicle-related issues. With this add-on, you'll have access to timely assistance, getting you back on the road safely and efficiently.
- Underground service line coverage: This unique coverage option protects you from the financial burden of repairing buried utilities, such as internet, cable, water, heat, or waste lines. It's a specialty add-on that not all insurance companies provide.
- Furnace and central air coverage: This add-on helps cover the cost of repairs if your HVAC equipment malfunctions. Given the significant expense of HVAC repairs or replacements, this coverage can provide a much-needed financial cushion.
- Discounts for bundling policies: Grange Insurance encourages customers to bundle their insurance needs by offering discounts. This can be especially beneficial if you're seeking both home and auto insurance, streamlining your policies while saving you money.
- Discounts for new homeowners: If you're a new homeowner, Grange Insurance offers discounts to help ease the financial burden of purchasing a new home. This is a great incentive for those who are buying a home for the first time and navigating the complexities of homeownership.
- Good student discounts: Grange Insurance recognizes the responsibility demonstrated by students with good grades and rewards them with lower insurance rates. This is especially beneficial for young drivers, who typically face higher insurance premiums due to their lack of driving experience.
- Defensive driving course discount: In states that legally mandate it, Grange offers a discount for completing a defensive driving course. Improving your driving skills and knowledge can lead to safer roads and lower insurance rates.
- Discount for early quote: Getting a quote early from Grange Insurance can result in a discount, incentivizing proactive customers to secure their rates sooner rather than later.
While Grange Insurance's rates are generally higher than average, these specialty add-ons and discounts demonstrate their commitment to providing comprehensive coverage tailored to their customers' unique needs. It's always advisable to compare rates and consider your specific circumstances when choosing an insurance provider.
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Frequently asked questions
Your insurance rate at Grange is influenced by your location, driving history, and coverage amounts. Grange Insurance only uses your driving data to give you a discount, and your rates won't go up because of your driving behaviours.
The average insurance rate at Grange is $2,171 per year for full coverage and $820 per year for minimum coverage. Grange home insurance costs about $1,020 per year. Grange customers pay an average monthly rate of $172 for full coverage and $83 for liability insurance.
Grange Insurance rates are higher than average. Grange home insurance is around 16% more expensive than average. Grange car insurance rates are slightly more expensive than average.
