Alfa vs. Grinnell Insurance

Which insurance carrier is right for you? Compare ratings, premiums and quotes from Alfa and Grinnell.

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Alfa vs. Grinnell: What You Need to Know

In 1946 John Tucker Harris, President of the Lee County Farm Association and respected farmer in Alabama, founded Alfa as the product of the Alabama Farmers Federation. He wanted to offer superior fire insurance to federation members, who were mainly farmers. Today, Alfa is a much larger enterprise and offers more than just fire insurance. They offer coverage to over 1 million customers in 11 states: Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers. Alfa’s vision for the future is to focus on technology to enhance productivity and better serve customers. The company also plans to invest heavily in product and geographic expansion.

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.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit ALFA Overview and Grinnell Mutual Overview.

ALFA vs. Grinnell Mutual: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with ALFA and Grinnell Mutual. On average, ALFA charges approximately $198.39 per month while Grinnell Mutual comes in at around $126.61 per month. For ALFA, the cheapest state average is Virginia at $123.56 per month and the most expensive is Georgia at $225.96 per month. For Grinnell Mutual, the cheapest state average is Iowa at $125.95 per month and the most expensive is North Dakota at $129.09 per month.

ALFA

Average Rate

$198.39
Grinnell Mutual

Average Rate

$126.61
National

Average Rate

$120.03
State ALFA Grinnell Mutual
Alabama $187.35 -
Arkansas $193.44 -
Georgia $225.96 -
Iowa- $125.95
Mississippi $187.34 -
North Dakota- $129.09
Virginia $123.56 -

ALFA vs. Grinnell Mutual: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that ALFA and Grinnell Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles ALFA Grinnell Mutual
1 Vehicle $183.22 $112.75
2 Vehicles $254.66 $184.11
3 Vehicles $383.33 $

ALFA vs. Grinnell Mutual: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average ALFA charges $186.23 per month and Grinnell Mutual charges $129.58 per month for customers who own their home.

Own/Rent ALFA Grinnell Mutual
Own $186.23 $129.58
Rent $203.94 $125.24

What Are Alfa and Grinnell Insurance's Ratings?

Grinnell was founded in 1909 followed by Alfa insurance 37 years later in 1946. Alfa Insurance makes a great effort to satisfy consumers with ease in filing claims and getting claims paid. Grinnell and Alfa received an "A" rating from A.M. Best. Both of their financial strength scores boast the same Excellent rating. Let SmartFinancial help you find the right auto insurance. Compare car insurance quotes today!

ComparisonAlfaGrinnell
Year Founded19461909
Market Share0.12%
A.M. Best RatingAA
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.82
S&P RatingA

Alfa or Grinnell: Insurance Products Offered

Alfa and Grinnell offer similar coverages to consumers including Auto, Home, Renters, Business, and Farm insurance. Alfa Insurance also offers Life insurance including Term, Permanent, and Flexible Universal. Get to know more about Alfa or Grinnell insurance options and save on insurance premiums.

Insurance Alfa Grinnell
Auto Insurance
Business Coverage
Business Insurance
Dental Insurance
Farm Coverage
Farm Insurance
Flexible Universal Life
Flood Insurance
Health Insurance
Home Insurance
Life Insurance
Manufactured Home Insurance
Permanent Life Insurance
Personal Umbrella
Renters Insurance
Term Life Insurance
Umbrella
Watercraft Insurance

Alfa or Grinnell: Ways to Save

Grinnell and Alfa Insurance have a variety of insurance coverage. They recognize good drivers and offer some cost-savings to policyholders, like the Defensive Driver Discounts or Good Student Discounts. Grinnell and Alfa Insurance have discounts that could save you hundreds on monthly insurance costs. Learn more about the savings they offer and see the difference. Lower your insurance premiums today!

AlfaGrinnell
Airbags DiscountAnniversary Discount
Burglar Alarm DiscountAnti-lock Brakes Discount
Claims-free DiscountAnti-Theft Discount
Defensive Driver DiscountClaim-Free Discount
Driver EducationDefensive Driver Discount
Driver Training DiscountsElectronic Funds Transfer Discount
Good Student DiscountElite Driver (Good Driver)
Home and Auto Bundle DiscountExcess Vehicles Discount
Homeowner DiscountGood Student Discount
Multi-Car DiscountMile Marker
Multi-Policy DiscountMinor Violation Forgiveness
Smoke Alarm DiscountMotor Homes Limited Use Discount
Teacher DiscountMulti-Car Discount
Youth Defensive Driver TestMulti-Policy Discount
Youth Safety TestPaid-in-Full Discount
Passive Restraint/Airbags Discount
Small At-fault Accident Forgiveness

Pros & Cons of Alfa & Grinnell

Pros

Alfa
  • Very low customer complaints.
  • Excellent financial strength means reliability in getting claims paid.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
Grinnell
  • Grinnell offers good customer service and reliable insurance products.
  • Customized commercial policies.

Cons

Alfa
  • Alfa Insurance is only available in Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers.
Grinnell
  • Grinnell auto insurance is only available in 19 states.

Alfa or Grinnell Mobile Apps Options

Alfa2Go® Mobile App is available for iOS and Android. This mobile app provides you access to manage your policies, pay your bill, report a claim, view your ID card and take advantage of exclusive member benefits (Alabama only).

Alfa Mobile App
iOS     4.71.9 user reviews
Android     3.7251 user reviews
Grinnell Mobile App
Grinnell does not currently have a mobile app.

Alfa & Grinnell Contact Info

Alfa Contact Info
AddressP.O. Box 11000, Montgomery, AL 36191-0001
Phone1-800-964-2532
Websitehttps://www.alfainsurance.com/
Facebookhttps://www.facebook.com/AlfaInsurance
Youtubehttps://www.youtube.com/user/AlfaInsurance
Twitterhttps://twitter.com/Alfa_Insurance
Grinnell Contact Info
Address4215 Highway 146 South, P.O. Box 790, Grinnell, IA 50112-0790
Phone1-800-362-2041
Websitehttps://www.grinnellmutual.com/
Facebookhttps://www.facebook.com/myGrinnellMutual/
Youtubehttps://www.youtube.com/user/grinnellmutual
Twitterhttps://twitter.com/GrinnellMutual
Linkedinhttps://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.

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