Review of Grange Auto Insurance & Competitor Price Comparison by Quote
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UPDATED: Jun 24, 2020
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Operating for over 80 years in 13 states, Grange offers auto coverage through independent agents at great prices with fairly decent customer reviews.
Note: As illustrated above, Grange is the 2nd cheapest carrier for a 25 year old driver offering quotes at $1,612 per year for full coverage. The only carrier offering cheaper quotes is Progressive at $1,588. The carrier I believe to be a more direct competitor is Erie. They offer slightly higher quotes at $1,645.
History & States Covered
Grange, formally known as Grange Mutual Casualty Group of Insurance Companies, was founded in 1935 and is based in Columbus, Ohio.
The name “Grange” comes from the “Ohio State Grange”, an agrarian organization of Ohio farmers that the founder of the company belonged to.
The company started out selling auto insurance before expanding into fire, life, and other insurance types.
Today, Grange offers auto, home, life, and business insurance across 13 states.
Below I have provided a table for each state Grange offers coverage.
Plus the average premium by price and how they stack up against the average policy for each state.
The states where they offer the cheapest coverage are Kentucky, Ohio, South Carolina, Tennessee, and Wisconsin.
Each quote is about 10% to 15% below the average premium price.
|State||Percentage Rate Hike 2017||State Average Quote||Grange Quote||Difference||Satisfaction Out of 5|
Grange prides themselves as an agency that has the benefits of a large company while also using independent agents to ensure the local, personalized service that you would get with a small business.
Top Quality Independent Agents
One major thing to know about Grange is they exclusively use independent agents to get their customers set up with policies.
This means that, instead of you going straight to Grange to get a quote and policy set up, you work with an agent that is local to your area.
They then look at a few different insurance companies and give you policy options that they think are best.
Note: Illustrated above, the quotes clustered between $1,287 and $1,411 for a 30 year old driver. Again, the 2nd cheapest is Grange at $1,344 per year for full coverage. Progressive is the only carriers offering lower quotes at $1,287. While State Farm and The Hartford are significantly higher with quotes at $1,387 and $1,411 respectfully.
Grange claims this is better for the customer because the agent is unbiased and has your best interest at heart, though that isn’t always the case.
Some independent agents may have a tendency to oversell insurance beyond what you need.
After all, independent agents are typically paid on commission.
So, make sure to do a little research first into how much coverage you think you’ll need before letting the agent convince you to spend more.
Another benefit highlighted by Grange is that you’re working with someone local to your area, as opposed to going to straight to a company that might be in another state.
If you’re the type who likes a personal touch instead of dealing with a faceless company online or over the phone, then this would make Grange a good choice for you.
Note: There is significant difference from the lowest to the highest premium for a 40 year old driver. I queried Grange at $898 which is the 2nd cheapest carrier illustrated above. Progressive is the only carrier with a lower quote at $865.
Grange’s Premium vs. Competitors?
Cost-wise, Grange appears pretty competitive to other insurers.
According to a recent study that looked at 28 different auto insurance quotes in Ohio, Grange came out with the cheapest rates with $726 per year.
That’s almost half the price of the Ohio average at $1,236.
The results were similar across central and north central states.
Below I have a quote table for national and regional carriers against Grange.
I have included Erie since they seem to more of a direct competitor.
National companies, such as Progressive and State Farm, are included since it can give you a baseline to go from.
Grange is consistently cheaper than most all the companies, except Progressive.
However, for older drivers all of the companies listed are extremely competitive with Grange.
This is to be expected since any insurer wants to cover an older “safe” driver.
|Driver Profile||Grange||Progressive||Erie||State Farm||The Hartford|
|25 y/o (1 driving violation)||$2,455||$2,132||$2,367||$2,560||$2,543|
Full Umbrella of Coverage Offered
Grange advertises that their policies are very customizable to suit your specific needs.
They don’t provide online quotes or a list of coverage options on their website so you have to contact one of their independent agents to get details.
We did find that Grange offers a few optional coverage programs such as pet coverage, rental reimbursement, original equipment manufacturer (OEM) coverage, roadside assistance, an umbrella policy, gap insurance, and glass coverage.
Note: For a 45 year old driver, Grange was the third cheapest option at $760. Erie and Progressive are able to offer lower quotes with prices at $723 and $744 respectfully. While State Farm and The Hartford offer slightly higher premiums with quotes at $812 and $832 per year.
The pet coverage stood out to me as unique.
Depending on the company, pet injuries are sometimes classified under property damage coverage—which you have to get anyways by law, so your pet’s veterinary bills, if they are injured in a crash, are covered that way.
A few companies, however, will specifically cover pet injuries separate from the mandatory property damage.
This is what Grange appears to do.
Since Grange offers separate pet coverage, that means they probably do not consider pet injury as part of property damage coverage.
If you want to make sure your furry friend is covered, you’ll need to pay for the extra option as opposed to finding a company that includes pet injury in the property damage coverage that you already have to buy per state law.
Grange’s list of discounts include accident free, hybrid vehicle, and defensive driver (you qualify by taking a defensive driving class offered by the National Safety Council).
Paid in full, good student (minimum “B” average for high school and college students), policy bundling, and passive restraint (safety features on your car such as active automatic seat belts and driver and passenger air bags).
This discount list isn’t exceptionally long compared to other companies and there aren’t a lot of unique features, but it’s not a terrible list.
Below I have outlined a list of discounts compared to national and regional competitors.
|Company||Good Driver||Multi-Policy||Passive Restrain||Low Mileage||Student Away Discount||Multi-Vehicle||Safety Features|
Lastly, let’s take a look at Grange’s reviews which, while not amazing, aren’t overly negative either.
Grange carries an A (excellent) rating from A.M. Best and has been accredited with the Better Business Bureau (BBB) since 1970 with an A+ rating.
Below, I have outlined their ratings for you in a table:
|AM Best Financial Strength Rating||A|
|NAIC Complaint Index||0.87 (Average)|
|Better Business Bureau||A+|
On top of that, they have a four star average from 70 BBB customer reviews.
They also have only 45 complaints over the last 3 years, all with resolutions.
Grange was ranked by JD Power as 13th best auto insurance company for customer satisfaction in the North Central region of the US.
13th best out of 22 isn’t amazing by any means, but some insurance companies don’t even make the list.
That said, being ranked 13th is still pretty average so you’ll probably find a decent number of other insurers who might treat you better than Grange does.
But, at Grange’s competitive rates, the trade-off might be worth it.
After all, you could do a lot worse than them.
Similar to JD Power, online customer reviews come out to place Grange as pretty middle of the road.
Across four different customer review sites, Grange gets around 3.5 stars out of 5 on average.
Complaints range pretty widely from unfair settlements to unexplained rate hikes.
Positive comments are usually about their low cost, quick response, and ease of use.
Lastly, clients describe the customer service as average or better—few complaints there.
Overall, Grange has an OK reputation with very competitive prices.
Also, if your current policy doesn’t already cover pets, then Grange’s pet coverage might be attractive to you.
If you’re comfortable working with independent agents or prefer the personal touch of working with someone local, then it’s worth it to give one of them a call and look at options today.
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