Insurance
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Grange Insurance Review

Content was accurate at the time of publication.

3-Star insurance

3-Star insurance

$1,893/year

$2,811/year

Grange offers good rates for car and home insurance policies. Its rates can be even cheaper if you get some of its many discounts. Also, Grange’s range of add-on coverage options let you customize a policy to your liking.
Pros
  • Cheap car insurance rates
  • Good discounts
  • Variety of add-on coverage options
Cons
  • Average home insurance rates
  • Only available in 13 states
  • No online quotes

Find the Cheapest Car Insurance Quotes in Your Area

Grange is a good company if you’re looking for cheap liability Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. and full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. car insurance. Its home insurance rates are just average, however.

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.

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

CompanyFull coverageLiabilityLendingTree score
erie insurance logoErie$1,375$5164 stars
state farm logoState Farm$1,604$6614.5 stars
auto owners logoAuto-Owners$1,740$6325 stars
travelers logoTravelers$1,806$7924.5 stars
njm logoNJM$1,877$1,0344 stars
grange logoGrange$1,893$7283 stars
farm bureau logoFarm Bureau$1,911$6374 stars
American Family logoAmerican Family$2,019$7514 stars
progressive logoProgressive$2,078$8014 stars
geico logoGeico$2,109$7973.5 stars
nationwide logoNationwide$2,402$1,0243 stars
amica logoAmica$2,784$1,1203.5 stars
allstate logoAllstate$2,960$1,3443 stars
the hartford logoThe Hartford$3,186$1,2292 stars
Farmers logoFarmers$3,462$1,3633 stars
usaa logoUSAA*$1,322$4374 stars

*USAA only sells insurance to members of the military and their families.

Find the Cheapest Car Insurance Quotes in Your Area

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

CompanyClean recordTicketAccidentDUI
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.

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

CompanyFull coverageLiability
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 offers a wide range of car insurance discounts that can help you save money. Some of the discounts you can get from Grange include:

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

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

CompanyAnnual rateLendingTree score
Farmers$4,7833.5 stars
Erie$1,3484 stars
Cincinnati$1,6584 stars
State Farm$2,1054 stars
Grange$2,8113 stars
USAA*$1,9174 stars

Find the Cheapest Home Insurance Quotes in Your Area

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

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


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.

*USAA only offers insurance products to military members and their families