Which insurance company is right for you? Compare rates, pros & cons, and quotes from Direct Auto and Grinnell.
In 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer, He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.
Direct Auto Company specializes in providing auto insurance for all people, even those considered “high-risk” or who need SR-22 certification. Today, Direct Auto Company has more than 400 retail store locations across the United States and provides consumers a variety of products and services online, in-store and over the phone.
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.
In 1909, the company was formed in Greenfield, Iowa as “Iowa Farmers Mutual Reinsurance Association” by John Evans, who wanted to offer reinsurance for county mutuals in Iowa. In 1933, the company moved to Grinnell, Iowa and changed its name to Farmers Mutual Reinsurance Association. In 1948, they changed the name again to Farmers Mutual Reinsurance Company. In 1963 they adopted the name Grinnell Mutual Reinsurance Company.
Grinnell Insurance has been recognized as an Iowa Top Workplace since 2011.
Below is a list of the average rates that drivers typically pay with Direct Auto and Grinnell Mutual. On average, Direct Auto charges approximately $166.55 per month while Grinnell Mutual comes in at around $122.46 per month. For Direct Auto, the cheapest state average is Alabama at $112.68 per month and the most expensive is Florida at $208.32 per month. For Grinnell Mutual, the cheapest state average is North Dakota at $114.00 per month and the most expensive is Iowa at $124.13 per month.
|State||Direct Auto||Grinnell Mutual|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Direct Auto and Grinnell Mutual typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Direct Auto||Grinnell Mutual|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Direct Auto charges $156.26 per month and Grinnell Mutual charges $123.22 per month for customers who own their home.
|Own/Rent||Direct Auto||Grinnell Mutual|
Which car insurance company is better? We've made it easy to compare companies side by side. See how Direct Auto and Grinnell ranked among the industry ratings.
|A.M. Best Rating||A|
|NAIC Complaint Index||6.06|
What coverage is available through Direct Auto and Grinnell? Both insurance companies offer Auto and Commercial insurance. Additional products from Grinnell insurance also includes Farm, Health, Home, Motorcycle, Renters, RV, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Direct Auto and Grinnell Mutual Insurance page.
Direct Auto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Mileage discounts. Grinnell also offers a few discounts that Direct Auto doesn’t include Small At-fault Accident Forgiveness, Passive Restraint/Airbags, and Paid-in-Full discounts. Start taking advantage of discounts offered by insurance providers like Grinnell and Direct Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Affinity Discount||Anniversary Discount|
|Good Student Discount||Anti-lock Brakes Discount|
|Homeowner Discount||Anti-theft Discount|
|Mileage Discount||Claim-free Discount|
|Military Discount||Defensive Driver Discount|
|Multi-Car Discount||Electronic Funds Transfer Discount|
|Multi-Product Discount||Elite Driver (Good Driver)|
|Prior Coverage Discount||Excess Vehicles Discount|
|Renewal Discount||Good Student Discount|
|Safe Driver Discount||Mile Marker|
|Senior Citizen Discount||Minor Violation Forgiveness|
|Welcome Back Discount||Motor Homes Limited Use Discount|
|Passive Restraint/Airbags Discount|
|Small At-fault Accident Forgiveness|
|Direct Auto Mobile App|
|Direct Auto does not currently have a mobile app.|
|Grinnell Mobile App|
|Grinnell does not currently have a mobile app.|
|Direct Auto Contact Info|
|Address||1128 Murfreesboro Road, Nashville, TN|
|Grinnell Contact Info|
|Address||4215 Highway 146 South, P.O. Box 790, Grinnell, IA 50112-0790|
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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