Grange Insurance: Overview

Based in Columbus Ohio, Grange offers insurance in 13 states.

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About Grange

Grange Mutual Casualty Company, commonly known as Grange Insurance, was formed in 1935, in Columbus, Ohio, to provide auto insurance for a specific group, Ohio State Grange members. By 1955, the company became a multi-line company offering fire insurance. In the year 1958, Grange Mutual became independent of Ohio State Grange and offered its products to the general public within Ohio and also began its expansion outside of the state.Still focused on expansion, Grange Life Insurance Company was formed in 1968. By 1999, the company introduced its “ease of doing business” concept to introduce grange’s hassle-free approach to insurance. It is still used today. By 2002, the company partnered with Integrity Insurance, a Midwest-based company dedicated to the independent agent channel and by doing so, it expanded the business through 3 more states. In 2013, Grange reached $1 billion in surplus, which reinforced the company’s financial strength and stability. Today, Grange Insurance is a large insurance carrier that offers affordable and customizable auto, home, life and business insurance products. Together with Integrity Insurance, it sells across 13 states, including Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. The company also created a foundation called Grange Insurance Gives to support charitable giving and reinforce its deep commitment to serving the community. 

Grange Facts & Ratings

Year Founded 1935
Financial Strength Excellent
BBB Rating A+
NAIC Complaint Index 0.87

Grange Mobile App Rating

iOS      4.2 9 user reviews
Android      4.3 24 user reviews

The Grange Insurance Mobile app is available for iOS and android. This mobile app can help you to pay the bills, view coverages, display your ID card and get roadside assistance. If you don’t have insurance with the company yet, you can use the app to find an agent for more information.

Pros & Cons of Grange

  • Grange insurance offers a personalized coverage, which allows you to tailor the insurance plan according to your needs and budget.
  • The company offers pet coverage included in the auto policy, which pays for your pet’s veterinary if they are injured in a crash.
  • Easy-to-use online account
  • Great financial standing
  • Claims process can be delayed according to some customer’s reviews.
  • Coverage limited - only in 13 states across the US

Common Questions about Grange

Is Grange insurance publicly traded?

Grange insurance is not listed on the stock market. Grange insurance is a mutual holding company.

Does Grange Auto insurance cover equipment breakdown?

Grange Auto insurance has original equipment manufacturer coverage. This coverage ensures that parts from your car’s original manufacturer are used when it is repaired.

How is Grange insurance rated?

Grange insurance has been accredited with the Better Business Bureau (BBB) since 1970 with an A+ rating. Also the Grange has an A (excellent) rating from A.M. Best and in its review, A.M. Best noted Grange’s strong balance sheet, consistent operating performance and dedicated enterprise risk management team as contributing factors to the company’s stable outlook.

Does Grange insurance cover rental cars

Grange insurance offers rental car reimbursement, which takes care of renting a vehicle while yours is being repaired.

How to cancel Grange insurance:

If you would like to cancel your policy with Grange Insurance, contact your independent agent. You can also contact the company through its phone number from customer care at (866)550-9222.

Does Grange insurance cover windshield replacement?

Grange insurance covers windshield replacement. The company offers full glass repair which pays for the cost of broken or cracked glass.

What states does Grange insurance write in?

Grange insurance serves policyholders across 13 states in the US: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.

Does Grange insurance have accident forgiveness?

Grange Insurance doesn't offer accident forgiveness.

What is income replacement with Grange life insurance?

Grange life insurance offers income replacement as a type of coverage, which guarantees that your family will receive money in case of losing your income, so they won’t struggle financially.

Does Grange Home insurance cover equipment breakdown?

Yes, Grange Home Insurance covers equipment breakdown. This type of coverage protects you from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. It applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.

What is home replacement cost from Grange Home insurance?

Home Replacement cost is a type of coverage offered by Grange Home Insurance, which guarantees that if you suffer a total loss, your house and everything inside will be replaced exactly the way they were. This doesn’t take into account any depreciation.

Does Grange insurance have good customer reviews?

Grange was ranked by JD Power as 13th best auto insurance company for customer satisfaction in the North Central region of the US. Also, across four different customer review sites, the company gets around 3.5 stars out of 5 on average.

What additional benefits does Grange Business insurance offer?

Grange Business insurance offers local independent agents that will guide you through coverage options to find you one that is unique as your business is and also to make sure your employees are well protected. In addition, when you purchase the business insurance, you have access to a professional team of risk management and business consultants who will help you identify potential risk management challenges and develop solutions.

What coverage options does Grange business insurance offer?

Grange Business insurance offers the following coverage options: Risk evaluation Commercial property and auto Commercial liability Employment practices liability Commercial umbrella Commercial package and farm owners insurance Workers compensation Employee life insurance Business continuation and succession planning Grange cyber coverage

What type of coverage does Grange Life insurance offer?

Grange Life insurance offers the following types of coverages: Term Life Insurance: it is a short term coverage, designed to be very affordable. Since this type of coverage protects you for a certain time, you have the option to choose a time period such as 10,15, 20 or 30-years. Whole Life Insurance: is a type of permanent life insurance that will cover you until age 100 when the policy matures. The premiums will be higher than term life insurance, but it’s because the coverage is permanent. Universal Life Insurance: is a type of coverage for whole life, when it comes to lifetime, but offering more flexibility than the one mentioned above. You have the opportunity to access your cash value for emergencies, college education, retirement income, or any other need.

Grange Insurance Products

Auto Insurance Home Insurance
Business Insurance Life Insurance

Grange Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Roadside assistance

This coverage helps you get back and driving if you have a roadside breakdown.

Rental Car Reimbursement

This coverage takes care of renting a vehicle while yours is being repaired.

Full Glass Repair

This coverage pays for the cost of broken or cracked glass.

Pet injury and mobile device coverage

This coverage pays for medical bills for injured pets, as well as damaged mobile devices in the event of an accident.

Identity theft

This coverage pays you in case your personal information is compromised as the result of a covered accident.

Original equipment manufacturer coverage

This coverage ensures that parts from your car’s original manufacturer are used when it is repaired.

Loan or lease gap coverage

If you are still making payments on your car, this coverage pays for the difference in cost between what the car is worth and what you still owned on it.

Discounts

Multi-Policy Discount Hybrid Vehicle Discount
Good Student Discount Distant Student Discount
Safe Driver Discount Paid-in-full Discount

Grange Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Grange. On average, Grange charges approximately $157.46 per month. The cheapest state average is Idaho at $79.16 per month followed by at $86.00 per month. The most expensive state average is California at $178.77 per month.

State Avg monthly rate
CA $178.77
CO $158.98
ID $79.16
State Avg monthly rate
OR $103.00
WA $114.74
WY $120.36

Grange Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Grange charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $148.73
2 Vehicles $195.60
3 Vehicles $245.83
4 Vehicles $353.72
5 Vehicles $431.36
6 Vehicles $435.50
7 Vehicles $624.50

Grange Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Grange charges $145.49 per month for drivers who own their home and $161.54 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $145.49
Rent $161.54

Grange Contact Info

Address 671 S. High Street Columbus, OH 43206
Phone 1-800-422-0550
Website https://www.grangeinsurance.com/
Facebook https://www.facebook.com/GrangeInsuranceMarketing?ref=br_tf
Instagram https://www.instagram.com/grange_insurance/?hl=en
Twitter https://twitter.com/GrangeInsurance
Youtube https://www.youtube.com/user/GrangeInsurance
Linkedin https://www.linkedin.com/company/grange-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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