---
title: "Grange Insurance Review [Updated 2026]"
description: "Founded in 1935, Grange Insurance serves customers in 13 Midwestern and Southeastern states through a network of independent agents, offering customizable coverage for auto, home, and business insurance with strong financial ratings."
canonical: "https://www.coveragecat.com/reviews/grange"
last-updated: "2026-08-13"
---

# Grange Insurance Review [Updated 2026]

1. [Introduction to Grange Insurance](#introduction)
2. [What Kinds of Insurance Does Grange Offer?](#kindsofinsurance)
3. [Does Grange Sell Homeowners Insurance?](#sellhomeowners)
4. [Does Grange Sell Auto Insurance?](#sellauto)
5. [Does Grange Sell Liability Insurance?](#sellliability)
6. [How Does Grange Insurance Work?](#howdoesitwork)
7. [Pros and Cons of Grange Insurance](#proscons)
8. [Ratings and Customer Feedback for Grange Insurance](#ratings)
9. [Get Customer Support Or File A Claim For Grange Insurance](#customersupport)
10. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to Grange Insurance

Grange Insurance is a regional property and casualty insurer with nearly 90 years of experience serving customers across the Midwest and Southeast. The company formed on March 25, 1935, as Grange Mutual Holding Company, a non-profit corporation under Ohio law [(Grange Insurance, "Legal", 2026)](https://www.grangeinsurance.com/legal). Based in Columbus, Ohio, the company operates in 13 states.

Through a network of approximately 3,600 independent agents, Grange offers auto, home, and business insurance protection to policyholders [(Wikipedia, "Grange Insurance", 2026)](https://en.wikipedia.org/wiki/Grange_Insurance). The company has $3.4 billion in assets and generates more than $1.59 billion in annual revenue [(Business Wire, "A.M. Best Reaffirms Grange Insurance's 'A' (Excellent) Rating and Stable Outlook", 2025)](https://www.businesswire.com/news/home/20250828446999/en/A.M.-Best-Reaffirms-Grange-Insurances-A-Excellent-Rating-and-Stable-Outlook).

It's important to note that **Grange Insurance (Grange Mutual Holding Company) is separate from Grange Insurance Association**, which operates in Western states. Grange Insurance is not affiliated with Grange Insurance Association, based in Seattle, or National Grange Insurance, based in Keene, N.H.

## <a id="kindsofinsurance"></a>What Kinds of Insurance Does Grange Offer?

Grange Insurance provides a range of personal and commercial insurance products through independent agents. The company operates in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin [(Wikipedia, "Grange Insurance", 2026)](https://en.wikipedia.org/wiki/Grange_Insurance).

The company's personal insurance products include:
- [Auto insurance](/insurance-types/car-insurance)
- [Homeowners insurance](/insurance-types/homeowners-insurance)
- [Condo insurance](/insurance-types/condo-insurance)
- [Renters insurance](/insurance-types/renters-insurance)
- [Umbrella insurance](/insurance-types/umbrella-insurance)
- Boat insurance
- Motorcycle insurance
- Recreational vehicle insurance

For business customers, Grange offers commercial property, commercial auto, business owners policies, and workers' compensation insurance.

## <a id="sellhomeowners"></a>Does Grange Sell Homeowners Insurance?

Yes, Grange sells [homeowners insurance](/insurance-types/homeowners-insurance) with both standard and optional coverages. Grange's homeowners insurance policies include standard coverages such as contents, dwelling, and liability.

The company offers several unique add-on options not commonly found with other insurers. Grange offers add-on options like assisted living care, which insures a family member's personal belongings if they live in an assisted living facility, and personal cyber insurance, which protects data, software and smart home systems if involved in a cyber attack.

Additional homeowners coverage options include:
- Underground service line coverage
- Equipment breakdown coverage
- Sewer and drain backup protection
- Identity theft coverage
- Jewelry and valuables protection

| Coverage Type | Description | Availability |
|--------------|-------------|--------------|
| Dwelling | Standard protection for home structure | All policies |
| Personal Property | Contents coverage for belongings | All policies |
| Liability | Protection against lawsuits and claims | All policies |
| Assisted Living Care | Covers family member belongings in assisted living facilities | Optional add-on |
| Personal Cyber Insurance | Protects against cyber attacks on smart home systems | Optional add-on |
| Underground Service Line | Repairs to underground utilities | Optional add-on |

### Homeowners Insurance Pricing

Grange Insurance's homeowners insurance rates are cheaper than the current national average of $2,304 per year for a policy with $300,000 in dwelling coverage, with Grange averaging $2,060 annually. However, Grange home insurance costs about $1,020 per year, which is around 16% more than average according to other industry analyses.

### Homeowners Discounts

Grange offers a variety of home insurance discounts to help policyholders get the right protection at a price that fits their budget. Available discounts include:

- Multi-policy discount for bundling home and auto
- Home maintenance discount for proof of inspections
- Advance quote discount for early renewal quotes
- Home buyer discount for first-time buyers
- DIY home inspection discount for virtual inspections through the mobile app

## <a id="sellauto"></a>Does Grange Sell Auto Insurance?

Yes, Grange Insurance sells [auto insurance](/insurance-types/car-insurance) with standard liability coverage and numerous optional add-ons. Grange's auto policies come with the required liability coverage, with the option to add collision, comprehensive, uninsured/underinsured motorist, medical payments, and more. 

### Unique Auto Coverage Options

Grange offers several distinctive coverage enhancements:

- **Pet injury coverage** - Pays for veterinary bills if your pet is injured in a vehicle accident
- **Mobile device coverage** - Protection for phones and tablets in your vehicle
- **Identity theft protection** - Professional services and resources if your identity is stolen
- **Original equipment manufacturer (OEM) parts** - Repairs use factory parts instead of aftermarket
- **Loan/lease gap coverage** - Pays the difference between actual cash value and loan balance
- **Full glass coverage** - Windshield and glass repair with no deductible
- **New car replacement** - Replaces your vehicle with a new one after a total loss

### Auto Insurance Pricing

Liability coverage from Grange Insurance costs an average of $83 per month, and full-coverage insurance costs an average of $172. A full coverage auto insurance policy from Grange averages $1,950 annually, below the national average of $2,458 per year.

However, Grange's minimum coverage policies tend to be a better deal than full coverage, as minimum policies cost about $44 per month (7% more than average) while full coverage costs about $136 per month (25% more expensive than average). [(ConsumerAffairs, "Grange Insurance Reviews: Written By Customers", 2026)](https://www.consumeraffairs.com/insurance/grange-auto-insurance.html) notes that customers report average monthly costs of approximately $178.79.

### Auto Insurance Discounts

Grange offers a variety of discounts to help you save on car insurance, including:

- Multi-policy discount
- Multi-vehicle discount
- Good student discount
- Accidents and violation free discount
- Student-away-at-school discount
- Paperless billing discount
- Accident forgiveness
- Hybrid vehicle discount
- New beginning discount (for newly separated or divorced drivers)

## <a id="sellliability"></a>Does Grange Sell Liability Insurance?

Yes, Grange sells [umbrella insurance](/insurance-types/umbrella-insurance) policies that provide additional liability coverage beyond standard auto and home policies. A Grange umbrella policy covers claims beyond the limits of an existing auto or home insurance policy, adding additional liability coverage and may also cover claims that aren't covered by a standard liability policy, like slander, libel, and psychological harm.

## <a id="howdoesitwork"></a>How Does Grange Insurance Work?

Grange Insurance operates exclusively through independent insurance agents. Grange home insurance is sold exclusively through independent insurance agents. Insurance from Grange is only available through independent agents, meaning you can't simply go on the company's website to get a price like you can with many other insurers.

To purchase Grange insurance:

1. **Find a local agent** - Visit Grange's website to locate an independent agent in your area
2. **Get a quote** - Work with your agent to customize coverage based on your needs
3. **Review options** - Discuss available discounts and optional coverages
4. **Bind coverage** - Complete the application through your agent
5. **Manage your policy** - Use the Grange Mobile app or online portal to pay bills, view coverage, and file claims

The Grange Mobile app allows customers to pay bills, view coverages, view ID cards, and get roadside assistance [(Grange Insurance, "Grange Mobile App", 2025)](https://www.grangeinsurance.com/grange-mobile-app) [(Apple App Store, "Grange Mobile", 2025)](https://apps.apple.com/us/app/grange-mobile/id1202329486).

## <a id="proscons"></a>Pros and Cons of Grange Insurance

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
<li><a href="https://www.businesswire.com/news/home/20250828446999/en/A.M.-Best-Reaffirms-Grange-Insurances-A-Excellent-Rating-and-Stable-Outlook">A (Excellent) financial strength rating from AM Best with 50+ years of top ratings</a></li>
<li>Innovation capabilities rated as 'Prominent' by AM Best, placing Grange in top 10% of reviewed companies</li>
<li>Unique coverage options like pet injury, mobile device coverage, and personal cyber insurance</li>
<li>Below-average auto insurance rates for full coverage policies</li>
<li>Extensive discount offerings for both auto and home insurance</li>
<li>Network of local independent agents for personalized service</li>
<li>24/7 claims reporting available</li>
<li><a href="https://www.bbb.org/us/oh/columbus/profile/insurance-companies/grange-enterprise-companies-including-grange-and-integrity-insurance-0302-6101">BBB accredited since 1970 with an A+ rating</a></li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
<li>Limited to 13 states in the Midwest and Southeast</li>
<li>Higher-than-expected complaint volume for home insurance based on NAIC data</li>
<li>No direct online quoting - must work through an agent</li>
<li>Not rated by J.D. Power for customer satisfaction studies</li>
<li>Home insurance rates may be higher than some competitors</li>
<li>Mobile app has mixed reviews regarding stability and functionality</li>
    </ul>
  </div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback for Grange Insurance

### Financial Strength and Industry Ratings

| Source | Rating | Details |
|--------|--------|---------|
| [**AM Best**](https://www.businesswire.com/news/home/20250828446999/en/A.M.-Best-Reaffirms-Grange-Insurances-A-Excellent-Rating-and-Stable-Outlook) | A (Excellent) | Reaffirmed in August 2025 with stable outlook; company included in AM Best's "Standing the Test of Time" list for 50+ years of top ratings |
| [**Better Business Bureau**](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/grange-enterprise-companies-including-grange-and-integrity-insurance-0302-6101) | A+ | BBB accredited since 1970 with strong rating and responsive complaint resolution |
| **Issuer Credit Rating** | a+ (Excellent) | Places Grange among top tier of U.S. insurance companies per AM Best |
| [**Innovation Rating**](https://www.businesswire.com/news/home/20250828446999/en/A.M.-Best-Reaffirms-Grange-Insurances-A-Excellent-Rating-and-Stable-Outlook) | Prominent | Top 10% of companies reviewed by AM Best for innovation capabilities |
| [**Trustpilot**](https://www.trustpilot.com/review/www.grangeinsurance.com) | 5.0 stars | 111 reviews with 5 stars |
| [**U.S. News**](https://www.usnews.com/insurance/auto/grange-car-insurance-review) | Reviewed | Sells car insurance through independent agents with comprehensive coverage options |

### Customer Reviews Summary

On Trustpilot, Grange Mutual Insurance has a 4.5/5 rating, with customers highlighting timely responses and friendly staff, though some reviews mention concerns about policy renewal rates. [(ConsumerAffairs, "Grange Insurance Reviews: Written By Customers", 2026)](https://www.consumeraffairs.com/insurance/grange-auto-insurance.html) reports that customers praise personalized service and representative friendliness, with multiple customers noting claims settle quickly with responsive communication.

### Real Customer Reviews

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Myra C., August 2025</b></p>
    <p><a href="https://www.trustpilot.com/review/www.grangeinsurance.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>As soon as we filed a claim, we had a representative on it. Mandy worked with us and pretty much "held our hand" as we walked through that horrible experience of loss. From the time we filed our claim until we were notified of getting our insurance payment to cover the loss was 12 days which is unheard of- plus we were dealing with a death in our immediate family at that same time. We are very thankful for the help from Mandy- I would highly recommend Grange!!</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>4 ★</p>
    <p><b>/u/monroeins, 2014</b></p>
    <p><a href="https://old.reddit.com/r/Insurance/comments/4kwmsu/grange_insurance_vs_geico/"><span class="text-muted">via Reddit</span></a></p>
  </div>
  <div class="column">
    <p>My ex-wife recently had a claim with Grange. The car was totaled and they offered her a fair amount for her vehicle. After looking into it a little more we discovered something that made the car more valuable than everyone realized. I made a phone call and they promptly increased the payout by $800.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p><b>/u/Excitingsetting, 2024</b></p>
    <p><a href="https://old.reddit.com/r/Insurance/comments/pa5nc3/grange_insurance_anyone_use_them_for_home/"><span class="text-muted">via Reddit</span></a></p>
  </div>
  <div class="column">
    <p>Grange's homeowners deductible is high, and they don't cover much unless it's a huge loss (your home burning down, for example).</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>Mark H., Aug 2022</b></p>
    <p><a href="https://www.trustpilot.com/review/www.grangeinsurance.com?search=accident"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>My car was involved in a minor accident, not at all my fault. The challenge came when I came to settle the final bill and the repair company insisted I pay the 'deductible' from my insurance. When I asked for this to be paid back by Grange, the problems started, with them procrastating, with various excuses, for months.</p>
  </div>
</div>

## <a id="customersupport"></a>Get Customer Support Or File A Claim For Grange Insurance

### [Customer Service Contact Options](https://www.grangeinsurance.com/customer-care)

Grange Insurance offers 24/7 claims reporting and billing information, with technical website support available by phone at (800) 422-0550.

**Phone:** Contact customer service during business hours or 24/7 for claims
**Online:** Submit inquiries through the contact form on Grange's website
**Mobile App:** Access policy information, pay bills, and file claims through the Grange Mobile app
**Independent Agent:** Contact your local Grange agent for policy questions and changes

### How to File a Claim

Grange makes it easy to report and track insurance claims, with the ability to file, report or track claims across its auto, home, and business insurance products.

You can file a claim through:
- **Phone:** Call 24/7 claims hotline to report a claim - (800) 445-3030 or if you already have one active use their tracking number (800) 686-0025
- **Mobile App:** Report claims directly through the Grange Mobile app
- **Online:** Submit claims through the MyGrange online portal or their [claims site](https://www.grangeinsurance.com/claims/report-or-track-a-claim)
- **Independent Agent:** Contact your local agent for claim assistance

## <a id="faq"></a>Frequently Asked Questions

### Is Grange Insurance a Real Insurance Company?

Yes. Grange Insurance is a legitimate company with a history of more than 80 years, with a mix of positive and negative reviews but not linked to any fraudulent practices.

### Should I Buy Grange Insurance?

Grange Insurance is a reasonably good insurance company for those who live in the 13 states where it's available, standing out for its policy customization and flexibility, with wide selection of coverage options. The company may be a good fit if you value:

- Working with a local independent agent
- Customizable coverage options with unique add-ons
- Strong financial ratings and long company history
- Below-average rates for auto insurance full coverage

However, Grange may not be ideal if you need nationwide availability or prefer direct online quoting.

### How Does Grange Insurance Make Money?

Grange Insurance generates revenue by collecting premiums from policyholders and investing those premium reserves. As a mutual company, Grange is owned by its policyholders rather than shareholders.

### Is Grange Insurance Worth It?

Grange Insurance is a good car insurance option thanks to its numerous discounts and multiple great coverages, with a reputation for providing good customer service and a high Better Business Bureau rating. However, despite the many discounts offered, Grange is still more expensive than many of its competitors, so comparison shopping is recommended.

### Can I Get a Quote Online?

No. You can't simply go on the company's website to get a price like you can with many other insurers. You'll have to pick up the phone or visit an insurance agency to get a quote.

### How Do I Cancel My Grange Insurance Policy?

To cancel Grange insurance, the policyholder must contact their independent agent. The cancellation can be arranged for a future date or set to take effect immediately. You will need your name, policy number, and the date you want your policy to end. If you've already paid your premium for the policy period in full, Grange will refund the unused portion, minus any cancellation fees.
