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: 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 $156.42 per month while Grinnell Mutual comes in at around $108.03 per month. For 21st Century, the cheapest state average is California at $156.19 per month and the most expensive is California at $156.19 per month. For Grinnell Mutual, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

21st Century

Average Rate

Grinnell Mutual

Average Rate


Average Rate

State 21st Century Grinnell Mutual
California $156.19 -

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 $150.10 $
2 Vehicles $235.11 $

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 $145.51 per month and Grinnell Mutual charges $ per month for customers who own their home.

Own/Rent 21st Century Grinnell Mutual
Own $145.51 $
Rent $158.31 $

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

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
Antique Auto
ATV Insurance
Personal Watercraft
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


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.


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/
Facebook https://www.facebook.com/21stcenturyinsurance/
Twitter https://twitter.com/21stCenturyAuto
Youtube https://www.youtube.com/channel
Linkedin 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/
Facebook https://www.facebook.com/myGrinnellMutual/
Twitter https://twitter.com/GrinnellMutual
Youtube https://www.youtube.com/user/grinnellmutual
Linkedin https://www.linkedin.com/company/grinnellmutual/

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.

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