This Grange Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the home & auto insurance complaints for the subsidiary companies of the Grange Mutual Casualty Pool, to determine whether each subsidiary, such as Trustgard Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.
In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for Grange insurance from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, The Hartford, Travelers, Safeco, Nationwide, Liberty Mutual, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength Rating (FSR) for the Grange insurance subsidiaries, too.
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Grange Insurance Review (Grange Mutual Casualty Pool)
Grange Mutual Casualty Pool, not to be confused with Grange Insurance Group/Grange Insurance Association (insuring in the states of California, Colorado, Idaho, Oregon, Washington & Wyoming), offers auto and homeowners insurance through independent agents located in communities throughout 13 states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.
This Grange Mutual Casualty Pool review is divided into five sections, consisting of: 1. AM Best Financial Strength Ratings for the Grange insurance companies 2. JD Power insurance customer & claims satisfaction scores & ratings for Grange insurance compared to competing companies 3. Grange auto insurance customer complaint ratings, 4. Grange home insurance customer complaint ratings, and 5. the competitiveness of Grange auto & home insurance rates compared to other major auto & home insurance companies.
1. AM Best Financial Strength Rating for the Grange companies
These Grange Mutual Casualty Pool companies (Grange Indemnity Insurance Company, Grange Insurance Company of Michigan, Grange Mutual Casualty Company, Grange Property & Casualty Insurance Company, Integrity Mutual Insurance Company, Integrity Property & Casualty Insurance Company, and Trustgard Insurance Company) had their A (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 05/12/2015. A is the third highest rating for AM Best.
Grange’s life insurance subsidiary, Grange Life Insurance Company, had its AM Best financial strength rating of A- (Excellent) affirmed also on 05/12/2015 with a stable outlook. A- is the fourth highest rating for AM Best.
I become concerned with any automobile, homeowners, or life insurance company or subsidiary with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Grange Mutual Casualty Pool companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have higher financial strength ratings than these Grange companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
2. Grange JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, & 2015
This section of the review will analyze the JD Power ratings & numerical scores for Grange Insurance, in all the JD Power insurance studies where the company was included in the last few years, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.
I’ll compare the numerical scores (instead of the power circle rating) for Grange auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2015) where it was rated. Grange was included in only the Annual JD Power Auto Insurance Customer Satisfaction Study.
The Annual JD Power Auto Insurance Customer Satisfaction Study
Grange is usually rated in only one of the eleven regional studies (The North Central Region) composing the annual JD Power US Auto Insurance Customer Satisfaction Study. If your state is not included in the North Central region and one of the Grange Mutual Casualty Pool companies is available in your state, the results for Grange in this region may still be a good proxy for how Grange performs in your state.
North Central Region (IL, IN, MI, OH, WI)
2015: Grange scored 2 points (on a 1,000 point scale) or .2% below the 2015 North Central region average, at 806 out of 1,000 points.
Here is how Grange rated in the North Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Four Power Circles (better than most)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Four Power Circles (better than most)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Three Power Circles (about average)
Allstate scored the same as Grange in the 2015 North Central Region study.
Liberty Mutual scored about the same (two points below) as Grange in the 2015 North Central Region study.
These companies scored .6% or more higher than Grange in the 2015 North Central Region study (from highest scoring company to lowest scoring company): USAA, Auto-Owners, Nationwide, COUNTRY Financial, Indiana Farm Bureau, Hartford, American Family, State Farm, Erie, Progressive, Farmers, and GEICO.
These companies scored .6% or more lower than Grange in the 2015 North Central Region study (from highest scoring company to lowest scoring company): Metlife, Michigan Farm Bureau, Automobile Club Group (AAA), Hanover, and Safeco.
2014: Grange scored 10 points (on a 1,000 point scale) or 1% above the 2014 North Central region average, at 826 out of 1,000 points.
Here is how Grange rated in the North Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Three Power Circles (about average)
Price: Three Power Circles (about average)
Billing & Payment: Three Power Circles (about average)
Interaction: Four Power Circles (better than most)
Claims: Four Power Circles (better than most)
Overall Customer Satisfaction: Four Power Circles (better than most)
These companies scored 1.4% or more higher than Grange in the 2014 North Central Region study: USAA and Auto-Owners.
These companies scored .8% or more lower than Grange in the 2014 North Central Region study: The Hartford, American Family, GEICO, Michigan Farm Bureau, Nationwide, Progressive, Liberty Mutual, Allstate, Farmers, Automobile Club, The Hanover, and Metlife.
2013: Grange scored 3 points (on a 1,000 point scale) or .3% below the 2013 North Central region average, at 794 out of 1,000 points.
These companies scored .9% or more higher than Grange in the 2013 North Central Region study: USAA, Auto-Owners, State Farm, Erie, Michigan Farm Bureau, and The Hartford.
These companies scored .4% or more lower than Grange in the 2013 North Central Region study: American Family, Allstate, Country, Liberty Mutual, Farmers, Progressive, Auto Club, and The Hanover.
2012: Grange scored 3 points (on a 1,000 point scale) or .3% above the 2012 North Central region average, at 807 out of 1,000 points.
These companies scored .7% or more higher than Grange in the 2012 North Central Region study: USAA, Auto-Owners, State Farm, Erie, and Country.
These companies scored .9% or more lower than Grange in the 2012 North Central Region study: Liberty Mutual, Allstate, Progressive, American Family, The Hanover, Auto Club, Michigan Farm Bureau, Nationwide, The Hartford, and Farmers.
North Central Region Auto Insurance Satisfaction Summary: Grange scored .3% above, .3% below, 1% above, and .2% below the north central region average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing about average auto insurance customer satisfaction in three of the last four years for the north central region states of IL, IN, MI, OH, and WI.
Grange Auto & Homeowners Insurance Complaint Record 2009-2014
You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.
A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.
Sections #3 & #4 of this review will show you if Grange auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Hanover, or a competitor, like American Family or Farmers, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
The complaint statistics, called complaint ratios, used in this Grange Insurance review are the number of upheld complaints filed against each of the Grange companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.
The complaint ratios for the Grange insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Grange has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
3. Grange Auto Insurance Complaint Statistics & Ratings
Grange auto insurance complaint record considering all subsidiaries:
Better than average
Grange Mutual Casualty Pool has seven subsidiary companies licensed to insure private passenger vehicles in the states where the company sells auto insurance. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different lines of insurance, such as RV or motorcycle insurance.
Here is the auto insurance complaint data for the Grange subsidiaries insuring autos in the USA:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.60) 2
2015 US auto insurance premium = $38,069,570
2014 Auto Insurance Complaint Ratio = B (.43)
2014 US auto insurance premium = $24,982,747
2013 Auto Insurance Complaint Ratio = B (.50)
2013 US auto insurance premium = $21,769,489
2012 Auto Insurance Complaint Ratio = W (1.33)
2012 US auto insurance premium = $20,142,104
2011 Auto Insurance Complaint Ratio = W (1.47)
2011 US auto insurance premium = $23,224,878
2010 Auto Insurance Complaint Ratio = C- (1.12)
2010 US auto insurance premium = $30,319,698
2009 Auto Insurance Complaint Ratio = B (.24)
Grange Indemnity Insurance Company is available in the states of Georgia, Illinois, Indiana, Kentucky, Ohio, Pennsylvania, & Tennessee.
The Grange Indemnity Insurance Company subsidiary has an inconsistent auto insurance complaint history, but better than average auto insurance complaint ratios in the most recent two of the last six years, and its number of auto insurance complaints in its worst years (2011 & 2012) during the 2009-2014 period at 47% and 33% more than the industry average respectively. The auto insurance market share for Grange Indemnity Insurance Company increased each year since 2012, which may be an indication it now has more competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.62) 2
2015 US auto insurance premium = $36,939,132
2014 Auto Insurance Complaint Ratio = C+ (.92)
2014 US auto insurance premium = $46,567,235
2013 Auto Insurance Complaint Ratio = B (.19)
2013 US auto insurance premium = $55,933,950
2012 Auto Insurance Complaint Ratio = B (.30)
2012 US auto insurance premium = $60,061,459
2011 Auto Insurance Complaint Ratio = B (.26)
2011 US auto insurance premium = $65,102,708
2010 Auto Insurance Complaint Ratio = B (.46)
2010 US auto insurance premium = $74,087,694
2009 Auto Insurance Complaint Ratio = B (.52)
Grange Insurance Company of Michigan is available in the state of Michigan only.
The Grange Insurance Company of Michigan subsidiary had a lower than average number of auto insurance complaints each year from 2009 to 2014, with its number of auto insurance complaints in its worst year (2014) during this period, at 92% of the industry average. The auto insurance market share for Grange Insurance Company of Michigan has decreased each year since 2010, which may indicate Grange Insurance Company of Michigan does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.54)
2015 US auto insurance premium = $210,137,158
2014 Auto Insurance Complaint Ratio = B (.24)
2014 US auto insurance premium = $225,869,755
2013 Auto Insurance Complaint Ratio = B (.09)
2013 US auto insurance premium = $242,659,621
2012 Auto Insurance Complaint Ratio = B (.24)
2012 US auto insurance premium = $261,604,320
2011 Auto Insurance Complaint Ratio = B (.41)
2011 US auto insurance premium = $289,694,558
2010 Auto Insurance Complaint Ratio = B (.39)
2010 US auto insurance premium = $322,863,098
2009 Auto Insurance Complaint Ratio = B (.46)
Grange Mutual Casualty Company is available in the states of Georgia, Illinois, Indiana, Kentucky, Ohio, Pennsylvania, South Carolina, Tennessee, & Virginia.
The Grange Mutual Casualty Company subsidiary has a better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year (2009) during this period, at 46% of the industry average. The auto insurance market share for Grange Mutual Casualty Company has decreased each year since 2010, which may be an indication it does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.07)
2015 US auto insurance premium = $165,198,215
2014 Auto Insurance Complaint Ratio = B (.07)
2014 US auto insurance premium = $143,775,870
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $110,285,959
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $73,327,365
2011 Auto Insurance Complaint Ratio = C (1.02)
2011 US auto insurance premium = $50,081,904
2010 Auto Insurance Complaint Ratio = B (.66)
2010 US auto insurance premium = $51,644,467
2009 Auto Insurance Complaint Ratio = C (1.04)
Grange Property & Casualty Insurance Company is available in the states of Georgia, Kentucky, & Ohio.
The Grange Property & Casualty Insurance Company subsidiary has a better-than-average to average auto insurance complaint history over the last three years, with its number of auto insurance complaints in its worst year (2009) during the 2009-2014 period, at 4% more than the industry average. The auto insurance market share for Grange Property & Casualty Insurance Company increased greatly each year since 2011, which may be an indication Grange Property & Casualty Insurance Company has competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (3.03) 3
2015 US auto insurance premium = $11,291,144
2014 Auto Insurance Complaint Ratio = W (1.73)
2014 US auto insurance premium = $12,330,644
2013 Auto Insurance Complaint Ratio = W (2.44)
2013 US auto insurance premium = $13,363,784
2012 Auto Insurance Complaint Ratio = C- (1.25)
2012 US auto insurance premium = $14,287,330
2011 Auto Insurance Complaint Ratio = W (3.06)
2011 US auto insurance premium = $16,683,911
2010 Auto Insurance Complaint Ratio = C- (1.15)
2010 US auto insurance premium = $22,119,927
2009 Auto Insurance Complaint Ratio = B (.59)
Integrity Mutual Insurance Company is available in the states of Iowa, Minnesota, & Wisconsin.
The Integrity Mutual Insurance Company subsidiary has higher than average auto insurance complaint ratios in the most recent five of the last six years, with its number of auto insurance complaints in its worst year during this period (2011), at 306% of the industry average. The auto insurance market share for Integrity Mutual Insurance Company has decreased each year since 2010, which may indicate it does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.57) 5
2015 US auto insurance premium = $36,297,435
2014 Auto Insurance Complaint Ratio = C (.97)
2014 US auto insurance premium = $33,001,470
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $31,027,044
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $27,314,133
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $24,532,697
2010 Auto Insurance Complaint Ratio = B (.40)
2010 US auto insurance premium = $21,247,152
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
Integrity Property & Casualty Insurance Company is available in the states of Iowa, Minnesota, & Wisconsin.
The Integrity Property & Casualty Insurance Company subsidiary had no auto insurance complaints in four of the last six years, with its number of auto insurance complaints in 2014 at 97% of the industry average. The auto insurance market share for Integrity Property & Casualty Insurance Company increased each year since 2010, which may be an indication Integrity Property & Casualty Insurance Company has competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.67)
2015 US auto insurance premium = $102,224,862
2014 Auto Insurance Complaint Ratio = B (.21)
2014 US auto insurance premium = $101,282,175
2013 Auto Insurance Complaint Ratio = B (.23)
2013 US auto insurance premium = $93,971,001
2012 Auto Insurance Complaint Ratio = B (.60)
2012 US auto insurance premium = $89,454,056
2011 Auto Insurance Complaint Ratio = B (.17)
2011 US auto insurance premium = $97,466,469
2010 Auto Insurance Complaint Ratio = B (.07)
2010 US auto insurance premium = $123,965,944
2009 Auto Insurance Complaint Ratio = B (.12)
Trustgard Insurance Company is available in the states of Georgia, Illinois, Indiana, Kentucky, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, & Virginia.
The Trustgard Insurance Company subsidiary has a better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year during this period (2012), at 60% of the industry average. The auto insurance market share for Trustgard Insurance Company increased each year since 2012, which may be an indication Trustgard Insurance Company now has more competitive pricing for its auto insurance.
4. Grange Home Insurance Complaint Statistics & Ratings
Grange home insurance complaint record considering all subsidiaries:
Better than average
Grange Insurance sells home insurance through the six subsidiary companies listed below. As with auto insurance, the use of more than one home insurance subsidiary company is usually to offer different pricing to specific risk profiles, operate in a certain US state or group of states, or offer different lines of insurance, such as mobile home or travel trailer insurance.
Here is the homeowners (including condo, mobile home, & renters) insurance complaint data for the Grange subsidiaries insuring homes in the USA:
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $20,602,124
2014 Home Insurance Complaint Ratio = B (.35)
2014 US home insurance premium = $26,088,583
2013 Home Insurance Complaint Ratio = C- (1.20)
2013 US home insurance premium = $27,689,702
2012 Home Insurance Complaint Ratio = C+ (.92)
2012 US home insurance premium = $26,443,176
2011 Home Insurance Complaint Ratio = C (1.00)
2011 US home insurance premium = $24,303,077
2010 Home Insurance Complaint Ratio = W (2.20)
2010 US home insurance premium = $24,849,686
2009 Home Insurance Complaint Ratio = B (.38)
Grange Insurance Company of Michigan is available in the state of Michigan only.
The Grange Insurance Company of Michigan subsidiary has an inconsistent home insurance complaint history, with a higher than average number of home insurance complaints in 2010 & 2013, and a lower than average number of home insurance complaints in 2009, 2012, and 2014. The home insurance market share for Grange Insurance Company of Michigan decreased from 2013 to 2014, which may be an indication Grange Insurance Company of Michigan no longer has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.31)
2015 US home insurance premium = $96,698,833
2014 Home Insurance Complaint Ratio = B (.18)
2014 US home insurance premium = $100,420,334
2013 Home Insurance Complaint Ratio = B (.45)
2013 US home insurance premium = $98,096,275
2012 Home Insurance Complaint Ratio = B (.25)
2012 US home insurance premium = $98,307,677
2011 Home Insurance Complaint Ratio = B (.32)
2011 US home insurance premium = $101,254,185
2010 Home Insurance Complaint Ratio = B (.32)
2010 US home insurance premium = $113,562,004
2009 Home Insurance Complaint Ratio = B (.34)
Grange Mutual Casualty Company is available in the states of Georgia, Illinois, Indiana, Kentucky, Ohio, Pennsylvania, South Carolina, Tennessee, & Virginia.
The Grange Mutual Casualty Company subsidiary has a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year (2013) during this period, at only 45% of the industry average. The home insurance market share for Grange Mutual Casualty Company increased from 2013 to 2014, which may indicate it now has more competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.57) 5
2015 US home insurance premium = $87,001,246
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $76,448,903
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $65,027,314
2012 Home Insurance Complaint Ratio = B (.31)
2012 US home insurance premium = $52,912,404
2011 Home Insurance Complaint Ratio = B (.19)
2011 US home insurance premium = $41,621,035
2010 Home Insurance Complaint Ratio = B (.26)
2010 US home insurance premium = $35,241,266
2009 Home Insurance Complaint Ratio = B (.34)
Grange Property & Casualty Insurance Company is available in the states of Georgia, Kentucky, & Ohio.
The Grange Property & Casualty Insurance Company subsidiary has a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year (2009) during this period, at only 34% of the industry average. The home insurance market share for Grange Property & Casualty Insurance Company increased each year since 2010, which may be an indication Grange Property & Casualty Insurance Company has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (2.21) 2
2015 US home insurance premium = $9,012,179
2014 Home Insurance Complaint Ratio = W (1.88)
2014 US home insurance premium = $9,818,205
2013 Home Insurance Complaint Ratio = W (3.24)
2013 US home insurance premium = $10,298,446
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $10,540,153
2011 Home Insurance Complaint Ratio = W (2.92)
2011 US home insurance premium = $11,099,382
2010 Home Insurance Complaint Ratio = W (1.45)
2010 US home insurance premium = $12,596,009
2009 Home Insurance Complaint Ratio = B (.61)
Integrity Mutual Insurance Company is available in the states of Iowa, Minnesota, & Wisconsin.
The Integrity Mutual Insurance Company subsidiary has worse than average home insurance complaint ratios in four of the last six years, with its number of home insurance complaints in its worst year during this period, at 324% of the industry average. The home insurance market share for Integrity Mutual Insurance Company has decreased each year since 2010, which may be an indication it does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $16,705,483
2014 Home Insurance Complaint Ratio = C- (1.17)
2014 US home insurance premium = $15,810,199
2013 Home Insurance Complaint Ratio = W (1.55)
2013 US home insurance premium = $14,367,753
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $12,080,246
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $9,647,286
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $7,765,548
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
Integrity Property & Casualty Insurance Company is available in the states of Iowa, Minnesota, & Wisconsin.
The Integrity Property & Casualty Insurance Company subsidiary had no home insurance complaints in four of the last six years, but had a higher than average number of home insurance complaints in 2013 & 2014. Sometimes a subsidiary with a small market share will have a worse than average complaint ratio based on only one or two complaints. This is the case with Integrity Property & Casualty Insurance Company in 2013 & 2014, where only two home insurance complaints each year resulted in a 2013 home insurance complaint ratio 55% higher than the industry average and a 2014 home insurance complaint ratio 17% higher than the industry average. The occasional year with a worse than average complaint ratio should not be a concern if there were only a few complaints that year. The home insurance market share for Integrity Property & Casualty Insurance Company increased each year since 2010, which may be an indication Integrity Property & Casualty Insurance Company has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.58) 3
2015 US home insurance premium = $51,710,556
2014 Home Insurance Complaint Ratio = C+ (.86)
2014 US home insurance premium = $53,491,496
2013 Home Insurance Complaint Ratio = B (.67)
2013 US home insurance premium = $50,102,382
2012 Home Insurance Complaint Ratio = B (.53)
2012 US home insurance premium = $45,798,749
2011 Home Insurance Complaint Ratio = B (.38)
2011 US home insurance premium = $42,759,705
2010 Home Insurance Complaint Ratio = B (.20)
2010 US home insurance premium = $44,823,003
2009 Home Insurance Complaint Ratio = C+ (.79)
Trustgard Insurance Company is available in the states of Georgia, Illinois, Indiana, Kentucky, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, & Virginia.
The Trustgard Insurance Company subsidiary has a lower than average number of home insurance complaints each year since 2009, with its number of home insurance complaints, in its worst year during this period (2014), at 86% of the industry average. The home insurance market share for Trustgard Insurance Company has increased each year since 2011, which may be an indication Trustgard Insurance Company now has more competitive pricing for its home insurance.
Integrity Select Insurance Company Home Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Home Insurance Complaint Ratio = B (0) (No complaints)
2017 US home insurance premium = $3,079,182
2016 Home Insurance Complaint Ratio = No policies in force
2016 US home insurance premium = $0
2015 Home Insurance Complaint Ratio = No policies in force
2013 US home insurance premium = $0
5. Grange Auto & Home Insurance Rates & Pricing Compared to Competitors
For pricing, the most reliable way to know if your insurance company charges too much is to conduct your own pricing survey, by obtaining price quotes from all the leading insurance companies in your state, to find the best company for you. However, recent JD Power ratings or a recent rapid increase or decrease in market share may indicate whether a company has higher or lower insurance rates for at least some people.
Homeowners Insurance
Since Grange is not included in any of the JD Power homeowners insurance studies, let’s look at the change in its subsidiaries homeowners insurance market share, as measured by their annual homeowners insurance premiums they collect, as shown in Section #4 on this review.
Grange Insurance Company of Michigan: Homeowners insurance market share in Michigan has remained about the same each year from 2010 to 2014, so this subsidiary may or may not have competitive homeowners insurance rates.
Grange Mutual Casualty Company: Overall homeowners insurance market share for this subsidiary has remained about the same in recent years, so Grange Mutual Casualty Company may or may not have competitive homeowners insurance rates at this time in either all or a few of these states: Georgia, Illinois, Indiana, Kentucky, Ohio, Pennsylvania, South Carolina, Tennessee, & Virginia.
Grange Property & Casualty Insurance Company: Overall homeowners insurance market share for this subsidiary has increased each year from 2010 to 2014, which may indicate Grange Property & Casualty Insurance Company has competitive homeowners insurance rates in either all or a few of these states: Georgia, Kentucky, & Ohio.
Integrity Mutual Insurance Company: Overall homeowners insurance market share for this subsidiary has remained about the same in recent years, so Integrity Mutual Insurance Company may or may not have competitive homeowners insurance rates at this time in either all or a few of these states: Iowa, Minnesota, & Wisconsin.
Integrity Property & Casualty Insurance Company: Overall homeowners insurance market share for this subsidiary has increased each year from 2010 to 2014, which may indicate Integrity Property & Casualty Insurance Company has competitive homeowners insurance rates in either all or a few of these states: Iowa, Minnesota, & Wisconsin.
Trustgard Insurance Company: Overall homeowners insurance market share for this subsidiary has increased each year from 2011 to 2014, which may indicate Trustgard Insurance Company now has competitive homeowners insurance rates in either all or a few of these states: Georgia, Illinois, Indiana, Kentucky, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, & Virginia.
Auto Insurance
Grange insurance received the rating of four power circles (better than most) in the category of auto insurance pricing for the states of Illinois, Indiana, Michigan, Ohio, and Wisconsin, making up the north central region in the 2015 JD Power Auto Insurance Customer Satisfaction study. The following companies also rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Customer Satisfaction study in the same north central region where Grange was rated: COUNTRY Financial, Erie, USAA, Indiana Farm Bureau, The Hartford, GEICO, and Progressive.
Summary
The companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.