Grange Insurance Association Review & Complaints: Auto, Home, & Farm Insurance (2024)

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Grange Insurance Association Overview

Is Grange a good insurance company? This Grange Insurance Association review covers the West Coast insurer that has a history reaching back more than 125 years. Grange Insurance Association offers a range of personal insurance as well as farm coverage, including specialty operations.

Most of the time, searching for the best insurance company for your needs would mean hours of research, long phone calls, and hours of internet searches. Imagine, instead, if you had all the information you needed in one easy guide. Here, we’ll look at and analyze all the information related to the company to give you a better idea of the options available to you.

Looking for Grange Insurance Association car insurance quotes? While online quoting is not available for Grange Insurance products, you can start your search for the best auto insurance rates by entering your ZIP code above.

How to Get Grange Insurance Association Car Insurance Rates

Online quoting is not available for Grange Insurance products, therefore we are unable to compare them in terms of insurance rates.

The site does offer an independent agent locator search to assist with finding an independent agent nearby to obtain a Grange auto insurance quote. It is common for an agent-driven company to handle things this way, especially a smaller insurance company.

That said, in the modern era we generally expect some online quoting to be available, particularly for auto insurance, for a company of this size. While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. Read more about how to get cheap car insurance.

You can look at the table below to get an idea of what you might pay for your auto insurance rate depending on how much coverage you decide to buy. The table shows the average monthly rates based on coverage levels.

Auto Insurance Average Rates by Coverage Type

These are just guidelines. Factors that affect car insurance rates include age, driving history, auto theft rates in your area, and ZIP code. If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).

Keep reading to learn more.

Grange Insurance Association Availability by State

Grange Insurance has its beginnings in 1893 when the Washington State Grange gathered to form an insurance association to provide fire insurance to locals. Headquarters for the insurance association was moved to Seattle in 1933, sharing a building with the Grange. In 1944 the name Grange Insurance Association was taken on, and the company moved into the auto insurance market.

Grange Insurance locations including Grange Insurance of Vinita, OK, and Grange Insurance of Redding, CA, can be found on the company website.

The company has expanded over the years to serve several other states and now has agents in California, Colorado, Idaho, Oregon, Washington, and Wyoming. Subsidiary Rocky Mountain Fire & Casualty was re-branded to GranWest Property & Casualty in 2016 and operates in several states.

Policies are sold through local independent agents in all of the covered states and include home insurance, auto, specialty vehicle, and packaged farm insurance.

Grange Insurance Association Coverages Offered

One thing you’ll need to ask yourself before purchasing your auto insurance policy is: “How much car insurance coverage do I need?”

If you’re financing your vehicle, your loan company may require you to carry full coverage car insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence.

If you decide that you need more than the minimum car insurance requirements by state, there are several different insurance coverage options available to you as additional coverage. Take a look at the table below to get an idea of the different types of auto policies and coverage available to you, along with what they do.

Types of Auto Insurance Coverage

Again, these are just guidelines and actual prices will vary so it is always wise to compare car insurance options before purchasing.

Grange Insurance Association Bundling Options

Many insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can purchase your auto insurance policy as well as your home insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5% to 25% if you choose to bundle. Read more in our article How To Save Money by Bundling Insurance Policies.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25% multi-car discount on combined policies.

Grange Insurance Association Discounts

Generally, your auto insurance discount options through the company depend on what each provider has to offer and your recorded driving habits but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

Common Auto Insurance Discounts Offered by Company

Discount Name
Adaptive Cruise Control	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Adaptive Headlights	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Anti-lock Brakes	10%	✓	✓	5%	5%	5%	✓	5%
Anti-Theft	10%	✓		23%	20%	25%	✓	15%
Claim Free	35%	✓	✓	26%	✓	10%	✓	15%	23%	12%
Continuous Coverage		✓	✓		✓	✓	✓	✓	15%	✓
Daytime Running Lights	2%		✓	3%	5%	5%	✓	✓
Defensive Driver	10%	10%	✓	✓	10%	5%	10%	5%	10%	3%
Distant Student	35%	✓	✓	✓	✓	10%	✓		7%
Driver's Ed	10%	✓	✓	✓	10%	✓	10%	15%	8%	3%
Driving Device/App	20%	40%	✓	✓	30%	40%	20%	50%	30%	5%
Early Signing	10%	✓	✓	✓	✓	8%	✓	✓	10%	12%
Electronic Stability Control	2%	✓	✓	✓	5%		✓	✓	✓	✓
Emergency Deployment	✓	✓	✓	25%	✓	✓		✓	✓	✓
Engaged Couple	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Family Legacy	✓	✓	✓	✓	✓	✓	✓	✓	✓	10%
Family Plan	✓	✓	✓	✓	✓	25%	✓	✓	✓	✓
Farm Vehicle	10%	✓	✓		✓	✓		✓	✓	✓
Fast 5	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Federal Employee	✓	✓		12%	10%	✓		✓	✓	✓
Forward Collision Warning	✓	✓	✓	✓	5%		✓	✓	✓	✓
Full Payment	10%	✓	✓		$50	✓	✓	✓	8%	✓
Further Education	✓	✓			10%	15%		✓		✓
Garaging/Storing	✓	✓	✓		✓	✓	✓	✓		90%
Good Credit			✓	✓	✓		✓		✓	✓
Good Student	20%	✓		15%	23%	10%	✓	25%	8%	3%
Green Vehicle	10%	✓	5%	✓	10%	✓	✓	✓	10%	✓
Homeowner	✓	✓	✓		✓	5%	✓	3%	5%	✓
Lane Departure Warning	✓	✓	✓	✓		✓	✓	✓	✓	✓
Life Insurance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Low Mileage		✓		✓			✓	30%
Loyalty	✓	✓	✓	✓	✓	5%	✓	✓	✓
Married	✓	✓	✓	✓			✓		✓
Membership/Group	✓	✓	✓		10%	7%		✓		✓
Military		✓	✓	15%	4%	✓			✓
Military Garaging	✓	✓	✓	✓	✓	✓	✓	✓	✓	15%
Multiple Drivers	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple Policies	10%	29%	✓	10%	20%	10%	12%	17%	13%
Multiple Vehicles		✓	✓	25%	10%	20%	10%	20%	8%
New Address	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Customer/New Plan	✓	✓	✓	✓		✓	✓	✓	✓	✓
New Graduate	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Vehicle	30%	✓	✓	15%	✓			40%	10%	12%
Newly Licensed	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Newlyweds	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Non-Smoker/Non-Drinker	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occasional Operator	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occupation		✓			10%	15%	✓	✓		✓
On-Time Payments	5%	✓		✓	✓	✓	✓	✓	15%	✓
Online Shopper	✓	✓	✓	✓	✓	✓	7%	✓	✓	✓
Paperless Documents	10%	✓		✓	✓	5%	$50	✓	✓	✓
Paperless/Auto Billing	5%	✓		✓	✓	$30	✓	$20	3%	3%
Passive Restraint	30%	30%		40%		20%	✓	40%
Recent Retirees	✓	✓	✓	✓	4%	✓	✓	✓	✓	✓
Renter	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Roadside Assistance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Safe Driver	45%	✓		15%	✓	35%	31%	15%	23%	12%
Seat Belt Use	✓	✓	✓	15%	✓	✓		✓	✓	✓
Senior Driver	10%	✓		✓	✓	✓	✓	✓	✓
Stable Residence	✓	✓	✓	✓	✓		✓	✓	✓	✓
Students & Alumni	✓	✓	✓		10%	7%		✓	✓	✓
Switching Provider	✓			✓	10%	✓		✓	✓	✓
Utility Vehicle	15%	✓	✓		✓	✓		✓	✓	✓
Vehicle Recovery	10%	✓	✓	15%	35%	25%	✓	5%
VIN Etching	✓	✓	✓	✓	5%		✓	✓
Volunteer	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Young Driver	✓	✓	✓	✓		✓	✓	✓	✓	$75

As you can see, it is always best to check with your insurance provider to see what insurance discounts are available to you.

Products Available From Grange Insurance Association

Grange focuses mainly on personal lines products but also covers a variety of farms as well as wineries and orchards.

Grange Auto Insurance

Our Grange auto insurance review finds that Grange Insurance Association car insurance company offers a comprehensive auto insurance policy with all of the basic coverage as well as common options.

These include liability, comprehensive car insurance coverage, and collision car insurance coverage as well as rental car reimbursement and roadside assistance. However, Grange Insurance Association car insurance rates are not available online.

They offer several other coverage options, including protecting a trailer or motor home and covering customizations and sound equipment. There is also Grange gap insurance.

The program does not appear to offer any of the trendier options in car insurance seen by major companies these days. Instead, it relies on a solid program with a lot of common coverage choices and standard benefits that other companies may not offer except as add-ons.

Grange Home Insurance

Grange’s standard home insurance program, HomePak Plus, includes full replacement cost for the home with an additional 25% on top of the calculated cost.

The program also includes, on top of common standard coverage, several benefits that are often found as options at other companies. These include:

• Water and sewer backup
• 50% of the lock replacement cost
• Refrigerated property coverage

The HomePak Premier plan has an even higher level of coverage than the base plan, with up to 150% replacement cost coverage.

The plan also increases refrigerated goods coverage, and lock replacement coverage, and extends the coverage for personal property to include more perils. Coverage for higher-value items is also increased with this policy.

In addition to single-family homes, Grange Insurance offers coverage for condos, including full replacement cost coverage for personal property along with a long list of options that can be added to the policy.

Renters insurance coverage for the personal property of tenants is also offered.

Grange Farm Insurance

Farm insurance was Grange’s original product, and today they offer a variety of options.

Farm, Ranch, and Hobby Farm insurance covers a variety of operations. FarmPak is a package policy that can be tailored to the needs of each type of farm or ranch, covering things like equipment, livestock, and crops, while also covering the home and personal property of the farmer.

Grange also has a hobby farm/country estate program that is designed for a home with small, hobby operations and not income farming. This program includes coverage for specific liabilities not covered by a standard homeowner’s policy.

Orchard and Vineyard Insurance is also available to provide specialty coverage that includes liability tailored to the needs of these specific farming operations. There is also additional coverage available to pay for spoilage, contamination, and other risks.

Commercial auto insurance coverage is available as an add-on to farm insurance policies.

Other Grange Insurance Association Products

In addition to the main product lines, there is also Grange umbrella insurance and Grange boat insurance for personal pleasure motorboats, sailboats, and similiar watercraft.

Does Grange Insurance have accident forgiveness? Nothing on their website points to this kind of program, but it is always worth checking with your insurance provider to see what programs are available to you.

Grange Insurance Association should not be confused with the similarly named Grange Insurance. It is also a regional insurance company, but it’s based in Ohio and covers 13 states. If you want to read about Grange Insurance, see our Grange Insurance review.

Ready to buy Grange car insurance? You can enter your ZIP code below to begin comparing great car insurance rates from top companies.

How to Cancel Your Grange Insurance Association Policy

What should you do if you need to cancel your policy? Watch the video below to get an idea of what to expect should you need to cancel your auto insurance policy.

You can cancel your policy at any time simply by contacting your independent insurance agent and letting him or her know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid.

Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

Grange Insurance Association Refund

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your independent insurance agent to see what factors apply to you.

Grange Insurance Association Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Grange Insurance Association offers multiple options for filing a claim, making it convenient for policyholders. For Grange insurance claims, you can file a claim online through their website or use their 24/7 toll-free claims line to report a claim over the phone. The Grange insurance claims phone number is (800) 247-2643.

Additionally, for auto glass claims, they have a separate system in partnership with Safelite, a major glass repair company, to expedite glass repair services.

Average Claim Processing Time

The average claim processing time can vary depending on the complexity of the claim and the specific circumstances. Grange Insurance Association aims to provide efficient claims processing and states that their online claim form submission will result in a callback within 24 hours. However, the actual processing time may differ based on the nature of the claim and the information provided.

Customer feedback on Claim Resolutions and Payouts

While Grange Insurance Association has generally received positive ratings from organizations like A.M. Best and the Better Business Bureau, specific customer feedback on claim resolutions and payouts can vary. It’s essential to read customer reviews and gather firsthand experiences to get a comprehensive understanding of how the company handles claims and payouts.

Digital and Technological Features of Grange Insurance Association

Mobile App Features and Functionality

Grange Insurance Association offers a mobile app that allows policyholders to manage their insurance policies on the go. To use the mobile app requires creating an account on my.grange.com (which some customers refer to as “my grange insurance”). The Grange Insurance Association website provides a step-by-step guide to easily create an account.

The app provides features such as policy access, claims reporting, bill payment, contacting your agent, searching for repair shops, and more. Users can take advantage of these convenient mobile tools to stay connected with their insurance needs.

Online Account Management Capabilities

Policyholders can manage their insurance accounts online through Grange Insurance Association’s website. This online account management platform enables users to view and update policy information, make payments, and access important documents. It provides a user-friendly interface for efficient account management.

Digital Tools and Resources

Grange Insurance Association strives to offer digital tools and resources to enhance the overall customer experience. These resources include educational materials, FAQs, and interactive tools to help policyholders understand their insurance coverage better. Additionally, digital communication channels like email and online chat may be available for customer support and inquiries.

These digital and technological features aim to make insurance management more accessible and convenient for policyholders. It’s recommended to explore these features and assess how they align with your insurance needs and preferences.

Grange Insurance Association Ratings

What is the rating for Grange Insurance? Grange Insurance is accredited by the Better Business Bureau (BBB) and has an A+ rating with only two Grange insurance complaints on file in the past three years. There have not been any reviews left of the BBB file page. Grange Insurance also has an A- (Excellent) rating with A.M. Best.

There are six reviews on Yelp for this company, with an overall rating of 1.5 stars. Most of the complaints are not from Grange customers, but from others who were involved in accidents with Grange insureds.

Grange Insurance reviews are available online as well. You can use online ratings and reviews to compare different companies. For example, you could use them to research Grange Insurance vs State Farm Insurance.

Watch the video below to get an idea of the Grange Association company’s values and its loyalty to its policyholders.

Overall there is a low complaint volume for this company and that usually indicates mainly happy customers. We found nothing of concern in the reviews and generally found this company to have a good reputation.

You can visit the website of the National Association of Insurance Commissioners (NAIC) to learn about loss ratios and market share for Grange Insurance.

Grange Insurance Association Review: The Bottom Line

Grange Insurance Association has some solid, comprehensive products, and it has a good reputation. For those who prefer to work with a smaller company and a local agent, Grange is well worth considering.

Now that you know everything you need to know about Grange Insurance Association, including from our Grange auto insurance reviews, we hope that you’ll feel more confident in purchasing your policy. And to find the best coverage for you at the most affordable price, don’t forget to comparison shop for insurance: You can do that easily by entering your ZIP code into our free online quote comparison tool.