Grange Insurance Review

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Products  |  Price  |  Claims  |  Complaints  |  Financials  |  Bottom Line

Grange Insurance Summary

Grange Insurance was founded in 1935 to service the needs of rural drivers. Today, Grange sells auto, home, business and life insurance products to customers in 13 states.

Aside from selling insurance products, Grange is active in charity and community outreach. It provides nature-based education for children in Ohio through its Grange Insurance Audubon Center, which has been operating since 2009.

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Insurance Products

Auto Insurance

Grange sells motor vehicle coverage for personal automobiles, recreational vehicles and motorcycles.

Basic policies include liability protection for bodily injuries and property damage. Full coverage insurance adds collision, comprehensive, uninsured motorist and personal injury coverage, depending on the customer’s preferences and the state where the policy is issued.

Grange also provides multiple supplemental coverages that can be added to any auto policy. These include identity theft protection, towing, rental reimbursement and lease gap insurance.

Grange’s specialty insurance plan is called Personal Auto Plus Protection. This plan includes an endorsement for new auto replacement, allowing you to replace your vehicle with a new car rather than receiving a depreciated cash value. It also includes air bag replacement, locksmith reimbursement, coverage for electronic equipment and accessories, and waiver of deductible for accident-free drivers.


Discounts are available to Grange drivers with multiple policies, drivers with good grades, and those who complete defensive driving courses. There are also discounts in place for hybrid vehicles and cars with extra safety features.

Home Insurance

Grange offers property insurance policies for homes and other dwellings. It also provides renter’s insurance, which covers the personal belongings of a home or apartment renter as well as many liability issues that may arise.

Homeowners insurance coverage can be modified to suit the needs of the policyholder. In general, basic insurance offers the following coverages:

  • Dwelling protection for the house itself.
  • Other structure coverage for any additional buildings on the property, including fences, detached garages or sheds.
  • Personal property/contents protection, which covers all of an insured’s belongings regardless of where they are at the time of the loss.
  • Loss of use, which covers the expense of a hotel or other arrangement when an insured’s home is unlivable.
  • Personal liability insurance, which compensates other people for injuries or property damage caused by the insured in the event of an accident.

Aside from these basic coverages, Grange policies can also be customized with extra protection. For example, additional coverage for personal computers, equipment and valuable personal belongings can be added to boost the protection.

One unique product offered by Grange is assisted living care coverage, which offers insurance for personal property and liability for relatives residing in assisted living facilities.

Life Insurance

Grange offers term and permanent life insurance products to individuals as well as selling group plans to employers. Policies available to individuals include:

Aside from life insurance plans, Grange also provides long term care insurance. These plans provide for the cost of assisted living or other nursing care when the insured grows older or becomes incapable of taking care of themselves.

Business Insurance

Grange provides business insurance for companies of all sizes. Policies are available for commercial property and automobiles as well as various types of business liability insurance.

Grange’s BusinessAssure plan is a comprehensive policy offering a variety of coverage options:

  • Building and personal property coverage
  • Business income protection in the event of a covered loss
  • Equipment breakdown
  • Auto protection for hired and non-owned vehicles
  • Protection against identity fraud

Grange Insurance Price (Rates)

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Grange only sells products through commissioned insurance agents and this almost always drives up the cost of a policy. Those looking for low-cost insurance are going to have a better time going with a direct-to-consumer company like GEICO or Esurance.

That being said, every company has their own underwriting guidelines, and direct insurers will not beat an agent-based company 100% of the time. Anyone concerned about price should get a quote directly from a Grange agent and compare it to those from other companies.


Grange claims can be filed online, over the phone or through a local agent’s office.

To file a claim online, you will need an account on the company’s website. This account can also be used to look at the status of your claims and view your policy’s coverage or pay the bill.

Claims can also be filed 24/7 by calling 800-445-3030. The claims staff will gather the initial loss information and pass it on to a local handler, who will investigate further if necessary.

Life insurance claims and annuities can be filed by calling 800-399-3797.

Consumer Research and Complaints

The Grange Mutual Casualty Insurance has been accredited with the Better Business Bureau since 1970, and it has B rating. The BBB website lists 41 complaints against the company in the last three years, with 18 having been closed during the last year. Of these, the overwhelming majority are listed as problems with the product or service.

Updated August 7th, 2015:

Grange currently has an A+ rating with the Better Business Bureau.

Financial Strength

Rating CompanyGradeFinancial Outlook
AM BestAStable

Bottom Line

The vast majority of insurance companies manage to maintain an A rating with the Better Business Bureau, but somehow Grange has kept a B since our first review back in 2013. Not a good sign in our opinion.

Nothing really jumps off the page in Grange’s favor, so if you have other options you should check them out.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Eric Stauffer
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  1. Teresa Mathis says

    I am fighting mad at Grange. We have been insured through them for t 10 years and have never filed a claim. Last September we had so water damage in our kitchen and had to have the floor repaired and replaced. The cost was around $5000. Today I got a cancellation notice because we had filed a claim. I guess they only want to receive payments not make any out. Have never had an insurance company do this before. Our old company in a previous home repaired damage due to a minor house fire and never treated us like this.

    • Joe says

      Grange is the worst ever had them for ten years with no claims had hail damage through my neiborhood and at least 15 roofs were replaced but grange said mine was okay after three different roofers said I had hail damage good riddance grange

  2. Ryan Shafer says

    Grange is a joke. My wife was recently in a accident with another grange customer and we have got treated like dirt. There trying to make us pay for two days of the rental and there is stuff still wrong they won’t return calls and tried to make my wife out as a liar. We already cancelled with our agent and will not be returning.

    • Jane Moses says

      I am having a problem with grange too. Tomorrow will be two weeks since I made the claim and nothing. Wont return calls or anything. Vety bad insurance. Very very bad. Probably wind up paying to get car fixed myself. Worst insurance I ever had!!!!

  3. susan darling says

    This insurance company is the worst ever! I am canceling them immediatly! They dont answer your phone calls and they lie! 10 years with this company. They give me a small check and take my car! The only way they would give me a check is to hand over the title of my damaged car to them. Ive had it with these scammers!

    • Rhonda says

      You do realize that Grange had to offer you your salvage back and they could not stop you from keeping your damaged vehicle? They tried that BS with me but I was not having it. They gave you 1 cent on the dollar and they will make hundreds if not thousands more…SMDH this is because they are not to be trusted. They are going to sell your car and all its parts for WAY MORE than they paid you for it. It was in your best interest to retain your salvage and sell the parts yourself. I have a CTS and everything about that car is expensive they planed on making a killing off of my parts alone but was mad as hell when they found out that I intercepted their plans and called CHECK MATE!!!!! Taking peoples car is the come up for this FAKE company. They are NOT TO BE TRUSTED.

  4. Agent says

    I’m an agent for Grange and have to say, it’s the worse company I have ever dealt with. Not selling for them anymore.

    • al and jackie severson says

      My experience with Grange insurance and [Redacted] was the best I could have hoped for. So glad we switched to Grange.

      Thank you,
      Al and Jackie Severson

  5. Alisa Anderson says

    Well I fell quite bad because I had a great experience with Grange. They returned my calls took care of the damage and I did absolutely nothing but sit back and watch. So I’m not sure who you people dealt with but I feel sorry for you because I am doing everything in my power to stay with them. Thank you Grange for taking care of me. It was my first accident in 14 years and I was so very upset and you walked me through everything and helped me and took care of it all so I hope I can find an agent that will represent me so I can stay with you.

      • Alisa says

        No I don’t work for them but maybe everybody should take a step back and look in the mirror. Maybe it’s not Grange maybe it’s you. I do not agree to the fact that this accident was my fault but unfourtunately it is not up to me so I just have to swallow my pride and suck it up. I was never spoke to harshly by the agent or in any way like I was an idiot which is what I was waiting for. Now here is the part I left out that could make or break my case, I have only been with the for a little over a year and have never had to use them for anything. I was with Progressive for 14 years and the only this I ever had to use them for was 2 broken windshields and they treated me like I had totaled 6 brand new Camaros. They were raising my rates constantly for no reason at all. I never had an accident at all when I was with them but yet my rates just kept going higher and higher. So you may want to think about that.

        • Christine says

          It’s me? It’s MY fault that an illegal hit my car and then left the country? It’s MY fault that the people at Grange refused to return my phone calls and then made me pay for my own repairs? Now I know that you are some how affiliated with Grange.

          • Alisa says

            Honey I am in no way affiliated with Grange, I just have had a lot of unfortunate accidents in my life that I am in no way proud of. In fact I own a tree, a fire hydrant and a gas meter. I have had a lot of insurance companies treat me like dirt so I guess I was just lucky enough this time to have had a good person to help me. I’m sorry that you had a bad experience with them but don’t take that out on me. I am 54 years old and I have to work 2 jobs to pay my bills so to have an ins company treat me right and have accident forgiveness is a god send. Maybe it was your attitude. They returned every call to me and even though it was my fault and I chose to use a different garage then what they use they still were kind and respectful. Try it sometime, it works.

          • Greg says

            i’m new to Grange & i just got a minor ticket in february. something i have not gotten in a long time. anyway my rates were fine until the ticket now for the next renewal my rates went up alomst $100.00! very dissapointed.

            i expect an insurance company to stick by you not stick it to you in your time of need. needles to say i’m once again shopping for new insurance with someone else…..

    • mitch says

      This person most certainly does work for Grange..There is a pattern here. After I reported at Court recently to the judge about all the bad reviews also online about Granges treatment of others , and their lawyer saw all my printed reviews, within a few days Grange must of had there people post response comments online at the varoius review sites,They all came in right after Court! They appear to care in their responses or they have people post favorable ratings. I can tell you Grange does everything possible to fight claimants on claims, and damages., or lowball folks out of the value of their damages. They even deny fault when a semi truck(their insured) slams into another vehicles rearend on the intertstate, and the semi had many safetly and faulty equipment viloations! They are the worst Insurance and are now having their employees or employees family members post favorable posts on their be half.

      • Rhonda says

        Worst company EVER. They are so ridiculous they even tried to talk me out of keeping my salvage. Im NO fool they were going to make way mor off my so called salvaged 2004 Cadillac CTS than the $500 they were trying to take it for but i wasn’t having it. My side fender and the side of the front bumper was damaged EVERYTHING else in my FULLY LOADED CTS with woodgrain worked plus i had new breaks rotors and other new parts installed within 2 months of the accident. From my experience This company SUCKS

      • Jackie R says

        I do think Alisa works for them. I have been with this company for over 40 years and recently my son had an accident and they have harassed us to death. Never turned in a collision to them in over 40 years and now they are going to hassle a member of my family and think I will stay with them. I cancelled today after I told them off but good. They harass their own clients.

    • Eric Stauffer says

      I have been in contact with the original commenter, Alisa, and I am pretty confident that they do not work directly for Grange. I will be closing this thread from further comments that assume as much since this has been verified.

      Eric Stauffer

  6. Helen Corbari says

    We have had grange insurance for 14 years. On November 22, 2014 our barn and all the contents burned we lost everything. We are a working cattle ranch so without our barn and it’s Contents we cannot operate. We were told by our agent that everything was covered. Until we had the fire. They have refused to pay for the contents of our barn saying it was not on there schedule and the contents needed to be itemized. Not one of the agents has came to our property and did an upgrade in the 14 years . Then we find out we have equipment on the policy we haven’t owned in five years and that equipment we own and use everyday was not listed. They offered 20,000.00 dollars for our barn and 1,000.00 dollars for cleanup. Not going to happen. We have called an attorney.

  7. Richard says

    There is a reason Grange insurance consistently gets poor marks from it’s customers, and that is that they had just given up along time ago. Senior management has let this company be run into the ground. by anemic, mid level managers. They no longer have a business model, and simply collect deductibles as they come in. They do not put profit back into the company.

    Grange is ripe for the pickings, and I would urge any other insurance company to swoop in, and snatch this turd for pennies on the dollar.

  8. Elizabeth says

    A grange customer drove right into my car. The car was damaged and i was injured. The woman in charge of my claim made many promises, but kept none. Now they won’t return four phone calls and messages. i will be contacting the Ohio State Insurance regulators and filing a fraud complaint against them. They are stealing money by not paying legitimate claims.

    • Mitch says

      Grange is a terrible insurance company when it comes to paying claims… and their adjusters are viscous . I also had a Grange insured vehicle (semi truck) slam into my rearended on the interstate.(The semi truck even had bad tires ,brakes and expired tags over 24 months old.. but Grange insured the trucking co anyway)… Grange will constantly low ball you on your vehicle damages and valuation ( like $1200-1500 low), refuse a rental or loss of use damages and fight claims for months in court, even when they know it’s their insured’s fault. Good thing many states now have “bad faith” insurance laws, where punitive damages can be accessed against insurers like Grange whole take advantage of claimants.. talk to a lawyer, do not take Granges lowball “appraisals” as fair.. go to for true vehicle values. I have also filed law suit and a complaint with insurance commission in GA

      • Rhonda says

        Don’t feel bad Grange are not only vicious to the people their insured hit but also to their insured. I have made a colossal mistake allowing this company to insure my vehicle. I informed Grange for the 3rd time today in a week that I was keeping my salvage but it seems for some reason Grange had issues with that and I was informed that I would have to pay the tow fee where my car was not drivable and towed from the accident scene to the wrecker yard as well as the storage fee for (15 days) that it incurred per day UP FRONT out of my own pocket and I would get reimbursed when ever or if ever this is all settled. I have spent $530 out of pocket, double what the joke of an insurance company has spent out on my claim so far. Grange has spent a total of $267.?? on this entire ordeal and yet I have paid nearly double. He said it would take several months before could look for a penny as their company would not pay out any funds until they get a salvage title back from the state and that could take several months. In translations he was saying, ” We will give you the run around, drag our feet, aggravate you, add insult to injury, show little to no concern, inconvenience you for jokes and giggles all while being proud of our bad faith practice to the very best of our ability.” This insult to the insurance industry has been no help to me at all an I UNFORTUNATLY am one of the insured with this company. I don’t believe I have ever gotten anyone on the phone I have always waited for a call back and to much surprise someone has called with no help at all but merely just a call back to aggravate me even more. I am more than sure that they will drag my case out for a unreasonable amount of time. I am very dissatisfied with the lack of service and the tone of the adjusters as well as the unwillingness to resolve this matter so that we can both move on from here. I to will be calling the BBB tomorrow and more than likely filing suit as well. I am only one person but I would vote that this company should never be allowed to practice their bad faith in the state of Georgia. This entire situation has taught me a valuable lesson. I can only pray that this situation will come to an end in the very near future and they won’t drag their feet on ending our relationship forever. God be with anyone who does business with this company.

  9. Taylor says

    My service with them has been absolutely horrible. I’m 22 years old and I filed claim because a icicle fell from our roof and broke my air conditioner. They don’t return calls or emails. And when they finally answered my call- she basically denied the things she said (which I had saved in email). It’s almost June and I have a husband who works 70+ hours outside- and after going through 3 weeks of filing this claim she had the guts to say “it’s not like you need it right now it’s not hot out”. She gave me a list of things she needed and I got them right away. I had three estimates and sent them in. Then she told me she was going tk issue the check. I called after 3 days of not hearing from her and now she says she needs them tk come back and write more information! I’m pissed!

      • Christine Higgins says

        Yeah, they are pretty rude and contradict themselves a lot! I am 39 and they still talked to me like I was stupid!

  10. Francine Rose says

    I own a commercial Butler-type bldg, formerly used as an antiques store. Closed the biz & am using it as storage. I will lease half of it (1200 sf) to a friend, while the other half remains storage. Although for sale, but no bites.

    3 yrs ago I filed a claim with Traveler’s for damages from a busted water pipe. Premiums have since tripled. Notified my ins agent of my current status who notified Trav. Have heard zip. Called another ageny who quoted from Grange. I’m insurance savvy, & reading your comments, I don’t think Grange would make a good partner. What to do? I live in GA.

  11. Christine Lynch says

    A Grange client hit my car 10 days ago. The car is totalled and I was injured. It took 6 days just to get someone to call me back. The receptionist was really rude and the adjuster said they couldn’t do anything until they got in touch with their client. Nothing has been done and they refuse to return my calls.

    • liz says

      This does not surprise me. I was in a wreck in Feb 2014–it took 3 weeks for them to figure out the car wouldnt start and that it was a total loss–then they stopped the rental because it was now a total loss–it is now mid April, and my bank has still not received payoff–when i emailed and asked an update, (because they weren’t informing me of anything unless I asked them) I was told that I was hindering their ability to process other claims because I was asking for updates and to stop asking! I called a manager and to my amazement, they defended the adjuster. 8 weeks and still no outcome. I’d like to see how they would handle this if they were in my shoes.

      • Rhonda says

        I live in Atlanta and made the biggest mistake of my life when I became a associated with Grange insurance. I was hit September 8,2014 by an uninsured driver. I spoke with granger the next day I THOUGHT everything would ok since they got me a rental car and filed the claim. a few days later the adjuster came out and said my car was a total loss and “someone” would be in touch with me about the figures. It took 2 days later because she was out of the office for spa day while I waited. She informed me that my Cadillac CTS was a total loss and after the deductible and, “PRIOR DAMAGES” ….your amount comes this amount. I did not agree with the amount and felt like they low balled me so I disagreed. First off, I have never heard of an insurance company going through the part of a car trying to find imperfections in the vehicle then charging their insured for scraps and scratches but GRANGE INSURANCE LOOKED AT THE PARTS OF THE CAR THAT WAS NOT IN THE ACCIDENT CAME UP WITH A REDICULUS AMOUNT TO REPAIR THINGS THAT DID NOT MAKE MY CAR INOPERABLE AND DEDUCTED THAT FROM THE SETTLEMENT OFFER WHICH WAS ALREADY LOW. My question is, why the ^)%! would I pay the price for any repairs on a vehicle that is now considered salvage. To top it all of when I informed them that I would be keeping my salvage I was told that NO MONEY will be paid to me until after they get the salvage title back from my state in which he claimed would take 7 MONTHS….LIEEEERRR no state would take 7 months this is a current issue not yet settled so he figure he will wait me out and make even more money off of the salvage… NOT going to happen. I am getting an attorney. Then on top of that they took the rental car back after they made that joke of an offer saying that the car had to be returned 72hrs after the initial offer even though nothing is settled. The customer service does NOT exist they the treat you like you are nobody. I would not advise anyone to deal with this company. I can’t imagine how they stayed in business since 1932 somebody need to check the records on that. Worst counterfeit company I have ever dealt with lesson well learned. If you can go to ANY OTHER insurance company I would advise you to do so.

        • Colleen says

          I’m SOOOO GLAD to read these comments before purchasing insurance from the Grange!!! I may have been quoted a lower price than my current insurance company (HARTFORD) but I’m going to stick with Hartford, Their customer service and efficient handling of situations is priceless apparently (after reading these horrible stories that I’m so sorry you all had to deal with). Thank you all for your time!

    • Janella says

      This is so terrible to say we pay insurance to this company and when its time to file a claim you end up stressed out. My experience was that some one backed into my vehicle in the middle of the night. I called the cops and the claims department. I had all the information I needed so the process could go smooth. My entire process has been terrible the adjuster [Redacted] has been rude, nonchalant and very unprofessional. I called 5 times leaving messages just to get 1 call back from here. This lady is not on the consumer side. Every time we spoke she was nasty in her voice tone.The appraiser was not knowledgeable of how to asset damages instead of looking at the pictures he assumed some was damages the other half of the vehicle that also were damage during the accident was not going to be repaired by them. To say that, I am so dissatisfied with the way they handle me as a client. Even when I spoke with the manager [Redacted] he was also short spoken and rude to me, not going to bat for me as a client. The one lady I spoke too was awesome [Redacted].. This person needs to be with a better company that actually cares about there people.

  12. Rhonda says

    My husband was driving my car on thanksgiving and he was in a car accident. The police ruled both vehicles as no fault. My insurance company don’t want to pay my claim because he wasn’t listed as a driver on my insurance, so they say that was fraud. Is this true?

    • Eric Stauffer says

      Hi Rhonda,

      As far as I am aware, the vast majority of insurance companies require spouses to be listed on the policy. This may be different for couples with unusual circumstances, such as separated status, but for the most part this is the case.

      In certain situations you can exclude a spouse from the contract intentionally, but they are not covered if they drive the car. This may be the case when one spouse has an awful driving record or a couple DUIs and has decided to stop driving all together.

      Your insurance company may be a little quick to jump to the term “fraud,” but I am not personally aware of all the details. The bottom line is that your spouse should be listed on the policy if you live together. If you signed up through an agent they should have walked you through that when they were asking about other licensed drivers in your house. If you signed up online, then its on you as the person filling out the form to be honest about all licensed drivers.

      Just because the insurance company made an initial ruling, certainly does not mean that is final. You can appeal the process or even hire a lawyer to pursue it. Just because they said no doesn’t mean you should stop fighting it.

  13. Steve says

    General liability insurance is a joke. They will pay for damage if you are not working on a project. But if you have a problem with something that you are working on, you are on your own. They should call it scam bs insurance. DO NOT GET GL THROUGH GRANGE. It is a scam.

  14. Rose says

    Currently w/ auto owners for all ins. Happy. Been with them for years. No claims for judging. A family friend in ins has grange ins. Deductible is higher on some things to keep rate close to what I am currently paying. Having second thoughts. How do you feel about auto owners vs grange?

    • Eric Stauffer says

      Hi Rose,

      As an overall view of the two companies, I prefer Auto Owners to Grange for a number of different reasons. First, Auto Owners has great consumer rating scores from both J.D. Power and Consumer Reports. Second, there are not a lot of reports of Auto Owners dropping their customers after a claim, which a lot of insurance companies do. Finally, Grange has both low financial strength ratings compared to other insurance companies and their Better Business Bureau is not an A.

      Of course none of that factors in price, which can be a big part of your decision. All other things being equal, I would personally go with Auto Owners.

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