Grange Auto Insurance Review 2024: Coverage, Rates & Reviews

Grange auto insurance is part of the Grange Insurance company, which offers different insurance options, depending on your needs. Grange advertises loads of car insurance options and discounts in multiple states across the country, providing opportunities to find a policy that works for you.

But how does Grange Insurance compare to well-known insurance companies?

This Grange auto insurance review will help you learn more about how Grange auto policies work and what they can offer you. This will help you understand whether you should consider getting a policy through Grange Insurance or explore other options.

In this Grange auto insurance review:

• What is Grange Insurance?
• What insurance does Grange Insurance offer?
• How does Grange auto insurance work?
• How to maximize your savings with Grange
• FAQs about Grange Insurance
• How to get started with Grange Insurance
• How to cancel Grange auto insurance
• Bottom line

What is Grange Insurance?

Grange Insurance traces its roots back to 1935, when the Grange Mutual Casualty Company was first incorporated and located in Columbus, Ohio. The company was originally founded to provide car insurance options to members of the National Grange Patrons of the Husbandry, called grange members for short.

Over 80 years later, Grange Insurance is still located in Columbus, Ohio, but has expanded its operations to 12 other states, primarily within and around the Midwest region. Through a workforce of independent agents, Grange sells different insurance policies to its customers based on their unique needs.

Grange Insurance is a BBB (Better Business Bureau) accredited business with an A+ grade. Its average BBB customer rating is 4.06 out of 5.0 as of publication date, and the company has had 39 complaints closed in the last three years. Grange has around 700,000 customers.

What insurance does Grange Insurance offer?

Grange Insurance offers different types of insurance products, including:

• Auto insurance
• Home insurance
• Business insurance
• Life insurance

Grange started as a car insurance company and still provides auto insurance policies today, but it’s expanded into providing home, business, and life insurance as well. However, auto insurance still remains a primary focus for the company.

Here are the different types of car insurance, and other related services, that Grange Insurance provides:

• Liability: Includes bodily injury coverage and property damage coverage. Liability insurance coverage helps cover expenses for injuries or property damage if you’re at fault for an accident. A minimum amount of this coverage is required by most states.
• Collision: Collision insurance can help cover expenses for repairs or replacement of your car if you collide with a car or another object.
• Comprehensive: If your car is damaged by something other than a collision, such as vandalism, weather, or an animal, it could be covered by comprehensive insurance.
• Full coverage: Full coverage car insurance isn’t an actual insurance policy, but a combination of multiple policies. Full coverage often includes both collision and comprehensive insurance but could include other coverages as well.
• Underinsured/uninsured motorist: Underinsured or uninsured motorist coverage can help protect you if another driver causes an accident and doesn’t have sufficient liability insurance.
• Roadside assistance: Can help you with certain roadside emergencies, such as towing, flat tires, being locked out of your vehicle, and more.
• Full glass repair: Helps cover damage, such as cracks, to your windshield.
• Rental car reimbursement: Helps pay for a rental car if your car is being repaired through an eligible car insurance claim.
• Pet injury and mobile device: Can cover expenses for pet injuries or mobile device damage if they result from a car accident.
• Identity theft: Can help keep your identity safe and offer professional services if your identity is stolen, including if personal information is stolen from your vehicle.
• Original equipment: Helps ensure you receive original manufacturer parts if your car is being repaired.
• Loan/lease gap coverage: Helps pay the difference between what you still owe on a vehicle and its actual cash value if your car is declared a total loss after an accident or from being stolen without recovery.
• Personal umbrella: Can help provide additional liability coverage if you’re involved in a lawsuit resulting from an accident you cause.

How does Grange auto insurance work?

Grange auto insurance is the car insurance arm of the Grange Insurance company. It offers a variety of standard car insurance policies, such as liability, collision, and comprehensive. In addition, you also have options for add-ons, including roadside assistance, full glass repair, and rental car reimbursement.

To be clear, Grange isn’t an insurance provider. It can, however, connect you with agencies that work with different insurance providers. Grange works with independent insurance agents across 13 states through and around the Midwest region to provide you with quotes from providers in your area.

It can be helpful to work with a company like Grange because it has connections to agents in your area who may know what kinds of local car insurance deals are available. You have the choice to select whichever agency you want if there are multiples available where you live.

How to maximize your savings with Grange

If you want to save money on car insurance, consider the many discounts typically available from different insurance providers. With Grange, these could include:

• Multi-policy: Purchase multiple policies from the same provider often comes with a discount. This is often called “bundling” and could include homeowners insurance, auto, life, and other policies.
• Multi-vehicle: You could qualify for this discount if you add multiple vehicles to your car insurance policy.
• Paid in full: This discount typically applies if you pay off your policy before its due date.
• Advance quote: If you get a quote and then later start a policy from that quote, you could get this discount.
• OnTrack telematics: OnTrack is an app that collects data while you drive. You can save up to 25% on your car insurance if you use OnTrack.
• Safety equipment: Certain safety equipment installed in your vehicle can qualify you for a discount.
• Safe driver: A good driving record without accidents or traffic violations can get you this discount.
• Good student: This discount is typically awarded if you have a full-time student on your policy who maintains a B grade or higher.
• Student away from home: If you have a student away at school who isn’t using a vehicle, you could qualify for this discount.
• Loyalty: A child who moves off your policy and gets their own policy with the same provider can get a loyalty discount.
• Accident forgiveness: Some providers offer accident forgiveness to help prevent your insurance rates from increasing after your first at-fault accident.

FAQs about Grange Insurance

Is Grange Insurance a good insurance company?

Grange Insurance is a BBB-accredited company with an A+ grade and a 4.06 out of 5.0 rating as of this article’s publication date. In addition, it has an A- AM Best rating for financial strength, which means the company is rated as having an excellent ability to meet ongoing insurance obligations.

Which states does Grange Insurance offer coverage in?

Grange Insurance offers coverage in these states:

• Georgia
• Illinois
• Indiana
• Iowa
• Kentucky
• Michigan
• Minnesota
• Ohio
• Pennsylvania
• South Carolina
• Tennessee
• Virginia
• Wisconsin

What types of coverage does Grange Insurance offer?

Grange Insurance offers auto insurance, home insurance, business insurance, and life insurance. For auto insurance, Grange offers your typical coverages, including liability, collision, and uninsured/underinsured motorist. Other related add-ons include roadside assistance, rental car reimbursement, full glass repair, and more.

How do you contact Grange Insurance?

If you have questions about your Grange auto insurance quote or want to make changes to your policy, contact the agency that set you up with your policy. For Grange customer service, contact 1-800-422-0550.

How to get started with Grange Insurance

If you want to know how to get car insurance through Grange Insurance, the process should be pretty straightforward, though it may depend on the agency you speak with. Since Grange Insurance works with independent agents to find you a policy to fit your needs, the process can vary depending on which insurer you go with.

To get started, go to www.grangeinsurance.com and select the “Find an agency” option. This will bring you to a map to input your zip code and generate a list of agencies in your area. Each agency should have an address and phone number, and some will have a website as well.

The quickest way to start a car insurance quote with an agency will likely be to give them a call. Here is some information that’s often required to get a car insurance quote:

• Zip code
• Full name
• Address
• Date of birth
• Gender
• Marital status
• Driving history
• Information for additional drivers
• Vehicle information for each vehicle you want on the policy
• Types of coverage you’re looking for

It’s also a good idea to ask about potential discounts during the insurance quote process in case they aren’t applied automatically. And for a quick comparison, call multiple agencies in your area to see what each one has to offer.

How to cancel Grange auto insurance

If you want to cancel your Grange auto insurance policy, contact the independent agent who set you up with the policy. Grange Insurance only works through independent agents, which means the practices and guidelines of each agency could be different from each other.

However, you typically need to provide your full name, policy number, and your policy end date when canceling a policy. Be sure to read over your contract terms or speak with your agency about any potential cancellation fees and whether you’ll receive a refund for any unused portion of your policy.

If you need a new car insurance policy, consider using online resources to compare quotes from different companies in your area quickly. To find a policy that fits your needs, use our best car insurance tool.

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Bottom line

Grange auto insurance might have the coverage options you need if you live in one of the 13 states it serves. It’s able to offer standard auto policies from different providers in your area, and you have the option to add home, life, or business insurance as well.

But if you live outside Grange’s coverage area or don’t find its services competitive, it makes sense to explore other options. Using resources such as an online marketplace can help you quickly research and compare car insurance quotes in your area so you can find the auto coverage you need.