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21st Century vs. Grinnell Insurance
Which car insurance company is right for you? Compare plans, discounts and rates from 21st Century and Grinnell Mutual.
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- 21st Century vs Grinnell Mutual
21st Century vs. Grinnell Mutual: What You Need to Know
21st Century Insurance -- formerly 20th Century Insurance -- was founded in 1958 by Louis W. Foster and began offering auto insurance, mainly in California. Today, 21st Century Insurance sells many lines of insurance, including specialty homeowners insurance, motorcycle insurance and more. 21st Century Insurance was acquired in 2005 by AIG and then sold to Farmers Insurance Group in 2009.
Since 1909, Ginnell Mutual has been insuring people, and today it is the 114th-largest property-casualty insurance company in the U.S. and the largest primary reinsurer of farm mutual companies in North America. Their insurance products are sold in 19 states.
To learn more about each company, you can check out 21st Century Overview and Grinnell Mutual Overview.
21st Century vs. Grinnell Mutual: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with 21st Century and Grinnell Mutual. On average, 21st Century charges approximately $172.58 per month while Grinnell Mutual comes in at around $165.58 per month. For 21st Century, the cheapest state average is California at $172.15 per month and the most expensive is Florida at $191.26 per month. For Grinnell Mutual, the cheapest state average is Iowa at $167.09 per month and the most expensive is Iowa at $167.09 per month.
Average Rate
Average Rate
Average Rate
| State | 21st Century | Grinnell Mutual |
|---|---|---|
| California | $172.15 | - |
| Florida | $191.26 | - |
| Iowa | - | $167.09 |
21st Century vs. Grinnell Mutual: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that 21st Century and Grinnell Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | 21st Century | Grinnell Mutual |
|---|---|---|
| 1 Vehicle | $160.38 | $159.19 |
| 2 Vehicles | $255.67 | $ |
21st Century vs. Grinnell Mutual: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average 21st Century charges $177.82 per month and Grinnell Mutual charges $ per month for customers who own their home.
| Own/Rent | 21st Century | Grinnell Mutual |
|---|---|---|
| Own | $177.82 | $ |
| Rent | $171.78 | $151.51 |
What Are 21st Century and Grinnell Mutual's Ratings?
21st Century and Grinnell Mutual are are both mid-sized insurance companies with very similar rankings. Both of them are classified as having Excellent financial strength. Both have received an A from J.D. Power and an A+ from the BBB. Grinnell Mutual was founded in 1909 while 21st Century was founded 49 years later, in 1958.
| Comparison | 21st Century | Grinnell Mutual |
|---|---|---|
| Year Founded | 1958 | 1909 |
| Financial Strength | Excellent | Excellent |
| JD Power Rating | About Average | |
| S&P Rating | A+ | A |
| BBB | A+ | A+ |
21st Century or Grinnell Mutual: Insurance Products Offered
21st Century and Grinnell Mutual both offer a wide range of insurance products. Both companies offer Auto and Home Insurance. 21st Century offers considerably more options including Flood, ATV, Personal Watercraft, Mobile Home Coverage and more. Grinnell Mutual offers Business, Umbrella, and Farm coverage.
| Insurance | 21st Century | Grinnell Mutual |
|---|---|---|
| Car Insurance | ✔ | ✔ |
| Homeowners Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| Boat Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Business Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Mobile Home | ✔ | ✔ |
| Auto Mechanical Breakdown | ✔ | ✔ |
| Flood | ✔ | ✔ |
| Antique Auto | ✔ | ✔ |
| ATV Insurance | ✔ | ✔ |
| Personal Watercraft | ✔ | |
| Umbrella | ✔ | ✔ |
| Farm Insurance | ✔ | ✔ |
21st Century or Grinnell Mutual: Ways to Save
When it comes to discounts, Grinnell Mutual offers considerably more options to save. If discounts are important to you, Grinnell Mutual might be a better option for you. Both companies offer the standard Safe Driver and Multi-car Discounts. However, Grinnell Mutual offers numerous other discounts including Paid-in-full, Minor Violation, Anniversary and Claim-free Discounts.
| 21st Century | Grinnell Mutual |
|---|---|
| Safe Driver Discount | Elite Driver (Good Driver) |
| Paperless & Autopay Discount | Small At-fault Accident Forgiveness |
| Multi-Car Discount | Paid-in-Full Discount |
| Mature Driver Discount | Electronic Funds Transfer Discount |
| Anti-lock Brakes Discount | |
| Multi-policy Discount | |
| Good Student Discount | |
| Multi-Car Discount | |
| Defensive Driver Discount | |
| Mile Marker | |
| Minor Violation Forgiveness | |
| Claim-free Discount | |
| Anniversary Discount | |
| Anti-theft Discount | |
| Excess Vehicles Discount | |
| Motor Homes Limited Use Discount | |
| Passive Restraint/Airbags Discount |
Pros & Cons of 21st Century & Grinnell Mutual
Pros
21st Century
- 21st Century offers affordable rates to good drivers in California and a few other states.
- 21st Century is a financially strong company.
- 21st Century offers many lines of insurance and multi-policy discounts.
Grinnell Mutual
- Grinnell offers good customer service and reliable insurance products.
- Customized commercial policies.
Cons
21st Century
- 21st Century mainly does business in California.
Grinnell Mutual
- Grinnell auto insurance is only available in 19 states.
21st Century or Grinnell Mutual Mobile Apps Options
The 21st Century Mobile app is available for iOS and android. It enables you to view your policy, pay bills, report a claim, receive roadside assistance and more. The iPhone app even has other functions, like finding nearby restaurants with good ratings.
Grinnell does not currently have a mobile app.
| 21st Century Mobile App | ||
|---|---|---|
| iOS | 1.9 | 5 user reviews |
| Android | 3.2 | 934 user reviews |
21st Century & Grinnell Mutual Contact Info
| 21st Century Contact Info | |
|---|---|
| Address | 3 Beaver Valley Road, Wilmington, DE 19803 |
| Phone | 1-877-401-81816 |
| Website | https://www.21st.com/ |
| https://www.facebook.com/21stcenturyinsurance/ | |
| https://twitter.com/21stCenturyAuto | |
| Youtube | https://www.youtube.com/channel |
| https://www.linkedin.com/company/21st-century-insurance/about/ | |
| Grinnell Mutual Contact Info | |
|---|---|
| Address | 4215 Highway 146 South, P.O. Box 790, Grinnell, IA 50112-0790 |
| Phone | 1-800-362-2041 |
| Website | https://www.grinnellmutual.com/ |
| https://www.facebook.com/myGrinnellMutual/ | |
| https://twitter.com/GrinnellMutual | |
| Youtube | https://www.youtube.com/user/grinnellmutual |
| https://www.linkedin.com/company/grinnellmutual/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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