Grinnell Mutual Auto Insurance Review for 2026 (+Rates & Discounts)
Grinnell Mutual car insurance starts at $82 per month for rural and suburban drivers. It offers local agent access and bundled farm and auto policy options. Our Grinnell Mutual auto insurance review highlights its FarMutual Reinsurance Program and 15% multi-policy discount, widely available to rural households.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated June 2025
Our Grinnell Mutual auto insurance review explains how the company supports rural and suburban drivers through a community-based reinsurance model.
Grinnell Mutual Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 3.5 |
| Business Reviews | 4.0 |
| Claim Processing | 4.0 |
| Company Reputation | 4.0 |
| Coverage Availability | 3.6 |
| Coverage Value | 3.3 |
| Customer Satisfaction | 4.2 |
| Digital Experience | 3.5 |
| Discounts Available | 4.0 |
| Insurance Cost | 3.2 |
| Plan Personalization | 4.0 |
| Policy Options | 2.2 |
| Savings Potential | 3.4 |
The company offers policies exclusively through local Grinnell Mutual agents and emphasizes risk sharing through its reinsurance pool program. Eligible drivers can access discounts of up to 20% for maintaining a clean driving record and 15% for bundling multiple policies.
With a focus on long-term relationships and claims handling, Grinnell Mutual Reinsurance Company tailors protection to rural drivers seeking personalized, agent-guided service (Read More: How to Choose an Auto Insurance Company).
- Grinnell Mutual auto insurance uses pooled risk to aid rural drivers
- A 10% loyalty discount applies after five consecutive years
- Farm liability coverage bundles with auto for a discount in select regional states
Explore eligible auto insurance discounts and coverage options in your area by entering your ZIP code into our fast and reliable comparison tool.
Grinnell Mutual Auto Insurance Rates
Grinnell Mutual auto insurance prices fluctuate significantly depending on age and gender. Young males have the highest cost for full coverage, while females over 60 receive the lowest rates.
Grinnell Mutual Auto Insurance Monthly Rates by Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $243 | $378 |
| 16-Year-Old Male | $268 | $403 |
| 18-Year-Old Female | $221 | $344 |
| 18-Year-Old Male | $239 | $389 |
| 25-Year-Old Female | $127 | $196 |
| 25-Year-Old Male | $133 | $207 |
| 30-Year-Old Female | $101 | $169 |
| 30-Year-Old Male | $113 | $177 |
| 45-Year-Old Female | $91 | $151 |
| 45-Year-Old Male | $96 | $153 |
| 60-Year-Old Female | $82 | $138 |
| 60-Year-Old Male | $87 | $142 |
| 65-Year-Old Female | $84 | $146 |
| 65-Year-Old Male | $88 | $148 |
Rates begin to converge by the age of 30. For young adults, minimum coverage typically begins at around $101 and gradually decreases in cost as they gain more driving experience and age.
This table indicates how full coverage auto insurance rates change when there are violations on record. For Grinnell Mutual, the rate starts at $153 with a clean record and increases to $240 after a DUI conviction.
On average, rates with Grinnell Mutual go up by $60 or more per month after most violations, but a DUI can double your monthly rates. To get the best Grinnell Mutual insurance rates, keep a clean driving record.
Grinnell Mutual Insurance Rates vs. The Competition
This table illustrates how monthly premiums vary by coverage level across different insurers. Grinnell Mutual is cheaper than Liberty Mutual but more expensive than Geico or State Farm.
Grinnell Mutual vs. Top Competitors: Auto Insurance Monthly Rates
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
| $96 | $153 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
This makes Grinnell Mutual a good middle-of-the-road choice for safe drivers living in rural and suburban areas, but how does it compare for high-risk drivers with an accident or DUI on their records?
Grinnell Mutual vs. Top Competitors: Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $87 | $103 | $124 | $152 |
| $62 | $73 | $94 | $104 |
| $76 | $95 | $109 | $178 |
| $43 | $56 | $71 | $129 |
| $55 | $68 | $84 | $99 |
| $96 | $116 | $129 | $65 |
| $63 | $75 | $88 | $112 |
| $56 | $74 | $98 | $58 |
| $47 | $53 | $57 | $38 |
| $53 | $72 | $76 | $123 |
State Farm stays lowest for all risk levels. Liberty Mutual goes the highest, hitting $290 a month with a DUI. Grinnell Mutual is one of the cheaper companies after a DUI, but it raises rates higher after a speeding ticket than other providers.
Read More: Best Auto Insurance Companies For Drivers With Speeding Tickets
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Grinnell Mutual Auto Insurance Coverage Options
Grinnell Mutual Insurance Company offers all types of auto insurance designed for real-life events, not only state minimums and the typical minor accident.
Features such as gap coverage and custom equipment protection are very beneficial for new or upgraded cars.
Grinnell Mutual Auto Insurance Coverage Options
| Coverage | What it Covers |
|---|---|
| Liability | Injuries or damage you cause to others. |
| Collision | Damage to your car from a collision. |
| Comprehensive | Non-collision damage, such as theft or weather. |
| Uninsured/Underinsured Motorist | Damages if hit by a driver with little insurance. |
| Medical Payments (MedPay) | Medical bills for you and passengers. |
| Personal Injury Protection (PIP) | Injury costs like medical bills and lost wages. |
| Roadside Assistance | Services for breakdowns, like towing. |
| Rental Reimbursement | The cost of a rental car while your is being repaired. |
| Gap Coverage | The loan balance if your car is totaled. |
| Custom Equipment Coverage | Added custom parts or accessories. |
Extras like roadside assistance and rental reimbursement give you peace of mind when your car is in the repair shop. It’s a complete package that suits people living in the countryside and the suburbs.
Grinnell Mutual Auto Insurance Discounts
Grinnell Mutual auto insurance discounts provide genuine benefits to rural and suburban drivers who maintain safe driving habits and keep their coverage up to date.
Grinnell Mutual Auto Insurance Discounts
| Discount | |
|---|---|
| Accident-Free | 12% |
| Anti-Theft | 5% |
| Defensive Driving | 10% |
| Good Student | 10% |
| Bundling | 18% |
| Low Mileage | 7% |
| Loyalty | 5% |
| Multi-Car | 20% |
| Paid-in-Full | 8% |
| Good Driver | 15% |
It has one of the best multi-vehicle auto insurance discounts, offering 20% off, while combining home and auto policies can save up to 18%. Having a clean driving record gives you a 15% discount, and if you finish a defensive driving course, you get another 10% off.
Discounts such as low-mileage options, paid-in-full plans, and good student rewards are ideal for families looking to save money and drivers who pose a lower risk.
Grinnell Mutual Customer Reviews & Ratings
Grinnell Mutual is the largest reinsurer for county mutuals in the U.S. It works in partnership with more than 1,700 local independent agencies and brokers across several states, including Illinois, Indiana, Iowa, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, and Wisconsin.
A Grinnell Mutual insurance review reveals positive results in key areas. Although J.D. Power and Consumer Reports provide insights into customer satisfaction trends, Grinnell builds its trust through consistent service from its agents.
Grinnell Mutual Auto Insurance Ratings & Customer Reviews
| Agency | |
|---|---|
 | Score: 770/1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 82/100 High Customer Satisfaction |
 | Score: 0.75 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
With an A rating from A.M. Best, the company demonstrates strong financial strength and a commitment to serving rural policyholders. Since 1976, Grinnell Mutual has consistently maintained a Financial Strength Rating (FSR) of A (Excellent) or higher from A.M. Best.
Learn More: Auto Insurance Companies With the Best Customer Service
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Grinnell Mutual Is a Strong Choice for Rural Drivers
Our Grinnell Mutual auto insurance review shows it offers steady, agent-assisted coverage specifically designed for rural drivers and residents of small towns. It offers more than just basic liability, with useful extras like rental car reimbursement, roadside assistance, and custom equipment protection, which are important features for those who depend heavily on their vehicles.
Grinnell Mutual built its success on trusted relationships, but those relationships feel a little different these days. #TrustInTomorrow #FlattenTheCurve https://t.co/N6CHd15Q8Y pic.twitter.com/WUsSJ7FaGq
— Grinnell Mutual (@GrinnellMutual) April 9, 2020
Its FarMutual Reinsurance Program makes a difference, providing risk-sharing assistance that keeps premiums steady for member policyholders over time.
Grinnell adjusts underwriting for rural driving habits. Specifically, they don’t penalize drivers for lower annual mileage or longer commute routes.Daniel Walker Licensed Auto Insurance Agent
Although it doesn’t compete with big market prices, Grinnell Mutual Reinsurance Company offers true value through local service, mutual trust, and policies designed for rural and suburban drivers. For local companies, compare custom auto insurance quotes in seconds by entering your ZIP code into our secure and hassle-free comparison tool
Frequently Asked Questions
Is Grinnell Mutual a good insurance company?
Is Grinnell Mutual the best company for insurance? Grinnell Mutual holds an A.M. Best rating of A (Excellent), reaffirmed in 2024. While its outlook was revised to negative due to rising catastrophe losses, the company remains financially strong
What should you know when reading Grinnell Mutual insurance reviews?
Grinnell Mutual reviews often praise the local agent support and rural focus, although some mention slow claims processing. Monthly rates depend on location and coverage.
What should you expect from Grinnell Mutual auto insurance claims?
Grinnell Mutual offers fair, agent-handled claims, but may process them more slowly. It’s not rated in the latest J.D. Power study, so direct comparison is limited. See how to check your auto insurance claims history if you’re insured with Grinnell Mutual.
What is the phone number for Grinnell Mutual’s claims department?
Grinnell Mutual’s insurance phone number for claims transactions is 877-467-2252. For policy assistance and claim filing, contact your local agent.
What kind of insurance is offered by Grinnell Mutual?
Grinnell Mutual offers auto, farm, home, and business insurance, with a focus on mutual support and the needs of rural policyholders. Enter your ZIP code to explore additional Grinnell insurance reviews available in your area.
Is Grinnell Mutual part of the four major mutual insurance companies?
No, Grinnell Mutual is not one of the four largest mutual insurers, but it is a leading regional provider in rural markets. Find out how rural drivers evaluate the cheapest auto insurance companies.
What is the history of Grinnell Mutual Insurance?
How old is Grinnell Mutual Insurance? Grinnell Mutual was founded in 1909, making it over 110 years old. It was founded to support rural mutual fire insurance associations and has since expanded to serve policyholders for auto and property insurance.
Who owns Grinnell Mutual Reinsurance Company?
Grinnell Mutual Reinsurance Company is a policyholder-owned mutual company. Who is the parent company of Grinnell Mutual? It has no parent company — it operates independently as a mutual insurance company.
Does Grinnell Mutual offer the most affordable car insurance?
Grinnell Mutual may not offer the lowest monthly rates, but it provides solid value for rural drivers seeking agent-led service and farm-use options. Explore key factors that affect auto insurance rates for rural vehicles.
What is the Grinnell Mutual A.M. Best rating?
Grinnell Mutual holds an “A” rating from A.M. Best, indicating excellent financial strength and claim-paying ability.
Does Grinnell Mutual have the most complaints?
What is meant by reinsurance?
How do I file a claim with Grinnell Mutual?
How do I contact Grinnell Mutual?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
Is Grinnell Mutual the best company for insurance? Grinnell Mutual holds an A.M. Best rating of A (Excellent), reaffirmed in 2024. While its outlook was revised to negative due to rising catastrophe losses, the company remains financially strong
Grinnell Mutual reviews often praise the local agent support and rural focus, although some mention slow claims processing. Monthly rates depend on location and coverage.
What should you expect from Grinnell Mutual auto insurance claims?
Grinnell Mutual offers fair, agent-handled claims, but may process them more slowly. It’s not rated in the latest J.D. Power study, so direct comparison is limited. See how to check your auto insurance claims history if you’re insured with Grinnell Mutual.
What is the phone number for Grinnell Mutual’s claims department?
Grinnell Mutual’s insurance phone number for claims transactions is 877-467-2252. For policy assistance and claim filing, contact your local agent.
What kind of insurance is offered by Grinnell Mutual?
Grinnell Mutual offers auto, farm, home, and business insurance, with a focus on mutual support and the needs of rural policyholders. Enter your ZIP code to explore additional Grinnell insurance reviews available in your area.
Is Grinnell Mutual part of the four major mutual insurance companies?
No, Grinnell Mutual is not one of the four largest mutual insurers, but it is a leading regional provider in rural markets. Find out how rural drivers evaluate the cheapest auto insurance companies.
What is the history of Grinnell Mutual Insurance?
How old is Grinnell Mutual Insurance? Grinnell Mutual was founded in 1909, making it over 110 years old. It was founded to support rural mutual fire insurance associations and has since expanded to serve policyholders for auto and property insurance.
Who owns Grinnell Mutual Reinsurance Company?
Grinnell Mutual Reinsurance Company is a policyholder-owned mutual company. Who is the parent company of Grinnell Mutual? It has no parent company — it operates independently as a mutual insurance company.
Does Grinnell Mutual offer the most affordable car insurance?
Grinnell Mutual may not offer the lowest monthly rates, but it provides solid value for rural drivers seeking agent-led service and farm-use options. Explore key factors that affect auto insurance rates for rural vehicles.
What is the Grinnell Mutual A.M. Best rating?
Grinnell Mutual holds an “A” rating from A.M. Best, indicating excellent financial strength and claim-paying ability.
Does Grinnell Mutual have the most complaints?
What is meant by reinsurance?
How do I file a claim with Grinnell Mutual?
How do I contact Grinnell Mutual?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
Grinnell Mutual offers fair, agent-handled claims, but may process them more slowly. It’s not rated in the latest J.D. Power study, so direct comparison is limited. See how to check your auto insurance claims history if you’re insured with Grinnell Mutual.
Grinnell Mutual’s insurance phone number for claims transactions is 877-467-2252. For policy assistance and claim filing, contact your local agent.
What kind of insurance is offered by Grinnell Mutual?
Grinnell Mutual offers auto, farm, home, and business insurance, with a focus on mutual support and the needs of rural policyholders. Enter your ZIP code to explore additional Grinnell insurance reviews available in your area.
Is Grinnell Mutual part of the four major mutual insurance companies?
No, Grinnell Mutual is not one of the four largest mutual insurers, but it is a leading regional provider in rural markets. Find out how rural drivers evaluate the cheapest auto insurance companies.
What is the history of Grinnell Mutual Insurance?
How old is Grinnell Mutual Insurance? Grinnell Mutual was founded in 1909, making it over 110 years old. It was founded to support rural mutual fire insurance associations and has since expanded to serve policyholders for auto and property insurance.
Who owns Grinnell Mutual Reinsurance Company?
Grinnell Mutual Reinsurance Company is a policyholder-owned mutual company. Who is the parent company of Grinnell Mutual? It has no parent company — it operates independently as a mutual insurance company.
Does Grinnell Mutual offer the most affordable car insurance?
Grinnell Mutual may not offer the lowest monthly rates, but it provides solid value for rural drivers seeking agent-led service and farm-use options. Explore key factors that affect auto insurance rates for rural vehicles.
What is the Grinnell Mutual A.M. Best rating?
Grinnell Mutual holds an “A” rating from A.M. Best, indicating excellent financial strength and claim-paying ability.
Does Grinnell Mutual have the most complaints?
What is meant by reinsurance?
How do I file a claim with Grinnell Mutual?
How do I contact Grinnell Mutual?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
Grinnell Mutual offers auto, farm, home, and business insurance, with a focus on mutual support and the needs of rural policyholders. Enter your ZIP code to explore additional Grinnell insurance reviews available in your area.
No, Grinnell Mutual is not one of the four largest mutual insurers, but it is a leading regional provider in rural markets. Find out how rural drivers evaluate the cheapest auto insurance companies.
What is the history of Grinnell Mutual Insurance?
How old is Grinnell Mutual Insurance? Grinnell Mutual was founded in 1909, making it over 110 years old. It was founded to support rural mutual fire insurance associations and has since expanded to serve policyholders for auto and property insurance.
Who owns Grinnell Mutual Reinsurance Company?
Grinnell Mutual Reinsurance Company is a policyholder-owned mutual company. Who is the parent company of Grinnell Mutual? It has no parent company — it operates independently as a mutual insurance company.
Does Grinnell Mutual offer the most affordable car insurance?
Grinnell Mutual may not offer the lowest monthly rates, but it provides solid value for rural drivers seeking agent-led service and farm-use options. Explore key factors that affect auto insurance rates for rural vehicles.
What is the Grinnell Mutual A.M. Best rating?
Grinnell Mutual holds an “A” rating from A.M. Best, indicating excellent financial strength and claim-paying ability.
Does Grinnell Mutual have the most complaints?
What is meant by reinsurance?
How do I file a claim with Grinnell Mutual?
How do I contact Grinnell Mutual?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
How old is Grinnell Mutual Insurance? Grinnell Mutual was founded in 1909, making it over 110 years old. It was founded to support rural mutual fire insurance associations and has since expanded to serve policyholders for auto and property insurance.
Grinnell Mutual Reinsurance Company is a policyholder-owned mutual company. Who is the parent company of Grinnell Mutual? It has no parent company — it operates independently as a mutual insurance company.
Does Grinnell Mutual offer the most affordable car insurance?
Grinnell Mutual may not offer the lowest monthly rates, but it provides solid value for rural drivers seeking agent-led service and farm-use options. Explore key factors that affect auto insurance rates for rural vehicles.
What is the Grinnell Mutual A.M. Best rating?
Grinnell Mutual holds an “A” rating from A.M. Best, indicating excellent financial strength and claim-paying ability.
Does Grinnell Mutual have the most complaints?
What is meant by reinsurance?
How do I file a claim with Grinnell Mutual?
How do I contact Grinnell Mutual?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
Grinnell Mutual may not offer the lowest monthly rates, but it provides solid value for rural drivers seeking agent-led service and farm-use options. Explore key factors that affect auto insurance rates for rural vehicles.
Grinnell Mutual holds an “A” rating from A.M. Best, indicating excellent financial strength and claim-paying ability.
Does Grinnell Mutual have the most complaints?
What is meant by reinsurance?
How do I file a claim with Grinnell Mutual?
How do I contact Grinnell Mutual?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
How do I file a claim with Grinnell Mutual?
How do I contact Grinnell Mutual?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
Is Grinnell Mutual legitimate?
What is Grinnell Mutual customer service like?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
How do I cancel my Grinnell Mutual insurance policy?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Is Grinnell Mutual the most trusted car insurance company?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
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