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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 $183.32 per month while Grinnell Mutual comes in at around $159.88 per month. For ALFA, the cheapest state average is Virginia at $131.25 per month and the most expensive is Alabama at $373.02 per month. For Grinnell Mutual, the cheapest state average is Iowa at $160.08 per month and the most expensive is Iowa at $160.08 per month.
Average Rate
Average Rate
Average Rate
| State | ALFA | Grinnell Mutual |
|---|---|---|
| Alabama | $373.02 | - |
| Arkansas | $185.70 | - |
| Georgia | $223.92 | - |
| Iowa | - | $160.08 |
| Mississippi | $243.36 | - |
| Virginia | $131.25 | - |
ALFA 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 ALFA and Grinnell Mutual typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | ALFA | Grinnell Mutual |
|---|---|---|
| 1 Vehicle | $171.22 | $153.37 |
| 2 Vehicles | $260.90 | $ |
ALFA 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 ALFA charges $198.07 per month and Grinnell Mutual charges $ per month for customers who own their home.
| Own/Rent | ALFA | Grinnell Mutual |
|---|---|---|
| Own | $198.07 | $ |
| Rent | $177.58 | $145.80 |
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. 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!
| Comparison | Alfa | Grinnell |
|---|---|---|
| Year Founded | 1946 | 1909 |
| Market Share | 0.12% | |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.82 | |
| S&P Rating | A |
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!
| Alfa | Grinnell |
|---|---|
| Airbags Discount | Anniversary Discount |
| Burglar Alarm Discount | Anti-lock Brakes Discount |
| Claims-free Discount | Anti-Theft Discount |
| Defensive Driver Discount | Claim-Free Discount |
| Driver Education | Defensive Driver Discount |
| Driver Training Discounts | Electronic Funds Transfer Discount |
| Good Student Discount | Elite Driver (Good Driver) |
| Home and Auto Bundle Discount | Excess Vehicles Discount |
| Homeowner Discount | Good Student Discount |
| Multi-Car Discount | Mile Marker |
| Multi-Policy Discount | Minor Violation Forgiveness |
| Smoke Alarm Discount | Motor Homes Limited Use Discount |
| Teacher Discount | Multi-Car Discount |
| Youth Defensive Driver Test | Multi-Policy Discount |
| Youth Safety Test | Paid-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 | 4.7 | 1.9 user reviews |
| Android | 3.7 | 251 user reviews |
| Grinnell Mobile App | ||
|---|---|---|
| Grinnell does not currently have a mobile app. | ||
Alfa & Grinnell Contact Info
| Alfa Contact Info | |
|---|---|
| Address | P.O. Box 11000, Montgomery, AL 36191-0001 |
| Phone | 1-800-964-2532 |
| Website | https://www.alfainsurance.com/ |
| https://www.facebook.com/AlfaInsurance | |
| Youtube | https://www.youtube.com/user/AlfaInsurance |
| https://twitter.com/Alfa_Insurance | |
| Grinnell 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/ | |
| Youtube | https://www.youtube.com/user/grinnellmutual |
| https://twitter.com/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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