Grange Insurance Review
- Cheap car insurance rates
- Good discounts
- Variety of add-on coverage options
- Average home insurance rates
- Only available in 13 states
- No online quotes
Is Grange a good company?
Grange is a good company if you’re looking for cheap liability
Grange offers a good range of both auto and home insurance discounts that can save you money. Its add-on coverage options for both auto and home insurance let you customize a policy to your needs.
Grange has an A+ rating for financial strength from AM Best, which means it has good ability to pay out on claims.
How much is Grange car insurance?
Grange has an average annual rate of $728 a year for liability car Insurance and $1,893 a year for full coverage car insurance.
To compare, Grange’s liability-only rate is 12% cheaper than the national average of $829 a year. Its full-coverage rate is 11% cheaper than the national average of $2,101 a year.
Grange car insurance comparison
| Company | Full coverage | Liability | LendingTree score | |
|---|---|---|---|---|
 | Erie | $1,375 | $516 |  |
 | State Farm | $1,604 | $661 |  |
 | Auto-Owners | $1,740 | $632 |  |
 | Travelers | $1,806 | $792 | |
 | NJM | $1,877 | $1,034 | |
 | Grange | $1,893 | $728 |  |
 | Farm Bureau | $1,911 | $637 | |
 | American Family | $2,019 | $751 | |
 | Progressive | $2,078 | $801 | |
 | Geico | $2,109 | $797 |  |
 | Nationwide | $2,402 | $1,024 | |
 | Amica | $2,784 | $1,120 | |
 | Allstate | $2,960 | $1,344 | |
 | The Hartford | $3,186 | $1,229 |  |
 | Farmers | $3,462 | $1,363 | |
 | USAA* | $1,322 | $437 | |
Grange car insurance cost with a bad driving record
Grange offers an average full coverage rate of $2,719 a year for a driver with a speeding ticket on their record. The company’s average rate for car insurance after an accident is $2,320 a year. Drivers with a DUI conviction on their records pay around $3,037 a year with Grange.
To compare Grange’s rates after a traffic incident to the national averages:
- Grange’s rate after a ticket is 15% more than the national average rate of $2,355 a year
- The company’s rate after an accident is 18% less than the national average of $2,817
- Its rate after a DUI is 22% less than the national average of $3,906
Grange average annual rate by incident
| Company | Clean record | Ticket | Accident | DUI |
|---|---|---|---|---|
| Erie | $1,375 | $1,551 | $1,806 | $2,404 |
| State Farm | $1,604 | $1,755 | $1,846 | $3,901 |
| Auto-Owners | $1,740 | $1,883 | $2,400 | $3,719 |
| Travelers | $1,806 | $2,319 | $2,524 | $2,737 |
| Grange | $1,893 | $2,719 | $2,320 | $3,037 |
| Farm Bureau | $1,911 | $2,156 | $2,586 | $3,924 |
| American Family | $2,019 | $2,414 | $3,191 | $3,368 |
| Progressive | $2,078 | $2,728 | $3,102 | $2,656 |
| Geico | $2,109 | $2,763 | $3,634 | $5,067 |
| Nationwide | $2,402 | $3,178 | $3,853 | $5,332 |
| Amica | $2,784 | $2,987 | $4,313 | $9,749 |
| Allstate | $2,960 | $3,513 | $4,709 | $4,680 |
| AAA | $2,988 | $3,954 | $5,205 | $6,962 |
| The Hartford | $3,186 | $4,254 | $4,945 | $4,882 |
| Farmers | $3,462 | $4,589 | $5,535 | $5,307 |
| USAA* | $1,322 | $1,603 | $1,809 | $2,576 |
Getting a ticket, a DUI or into a car accident usually raises your car insurance rate. While many offenses drop off your driving record in time, you should expect to pay higher rates until they do.
Grange car insurance rates for teens
If you’re looking for car insurance for an 18-year-old driver, Grange’s average liability rate for teens is $2,674 a year, and its full coverage rate is $5,492.
With Grange, teens pay 23% more for liability coverage than the national average rate of $2,178. And they pay 1% less than the national average of $5,501 for full coverage.
Car insurance companies usually charge teen drivers higher rates than any other age bracket because of their lack of experience and high accident rates. If you keep a clean driving record, your rates should drop as you get older.
Grange average car insurance rate for 18-year-old drivers
| Company | Full coverage | Liability |
|---|---|---|
| NYCM | $2,329 | $828 |
| Erie | $3,108 | $1,144 |
| State Farm | $4,577 | $2,082 |
| Auto-Owners | $4,839 | $2,125 |
| Geico | $5,590 | $2,249 |
| Travelers | $5,978 | $2,737 |
| NJM | $4,096 | $2,446 |
| Farm Bureau | $4,371 | $1,715 |
| Grange | $5,492 | $2,674 |
| American Family | $6,385 | $2,684 |
| Progressive | $8,434 | $3,111 |
| Nationwide | $8,214 | $3,717 |
| Amica | $9,943 | $4,272 |
| Allstate | $8,547 | $3,939 |
| The Hartford | $9,080 | $2,991 |
| Farmers | $11,931 | $5,377 |
| USAA* | $3,188 | $1,146 |
Grange car insurance discounts
Grange offers a wide range of car insurance discounts that can help you save money. Some of the discounts you can get from Grange include:
- Accident forgiveness
- Advance quote
- Away at school
- Bundling
- Good student
- Legacy loyalty
- Paid in full
- Paperless
- Safety tech
Grange car insurance coverage
Along with standard car insurance coverages like liability, collision and comprehensive, Grange also offers optional coverage for:
- Full glass
- Loan lease GAP
- Identity theft
- New car replacement
- Original manufacturer parts replacement
- Personal umbrella
- Rental reimbursement
- Roadside assistance
How much does Grange home insurance cost?
Grange homeowners insurance costs $2,811 a year, on average. This is just a few dollars higher than the national average of $2,801.
Home insurance rate by company
| Company | Annual rate | LendingTree score |
|---|---|---|
| Farmers | $4,783 | |
| Erie | $1,348 | |
| Cincinnati | $1,658 | |
| State Farm | $2,105 | |
| Grange | $2,811 | |
| USAA* | $1,917 | |
Grange homeowners insurance discounts
Grange offers many discounts that can lower your home insurance costs, including discounts for:
- Advance quote
- Bundling
- DIY home inspection
- New homeownership
- Paying in full
- Installing a smart fire or home alarm system
What does Grange home insurance cover?
A Grange home insurance policy offers standard coverages like dwelling, personal property and liability. But you can also get these optional coverages from Grange:
- Assisted living care
- Concealed water damage
- Equipment breakdown
- Home replacement cost
- Identity theft insurance
- Personal cyber insurance
- Personal umbrella insurance
- Sewer and drain backup
- Underground service line
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Car insurance rates are based on an analysis of hundreds of thousands of quotes for a typical driver. Your own rates may be different.
Unless noted otherwise, car insurance quotes are for a full coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Our sample teen driver is an 18-year-old male with a clean driving record.
Full coverage car insurance policies include collision, comprehensive and liability coverage in Indiana and Ohio:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
- Personal injury protection: Minimum limits if required in that state
- Collision: $500 deductible
- Comprehensive: $500 deductible
Homeowners policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
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*USAA only offers insurance products to military members and their families