Direct Auto vs. Grinnell Insurance

Which insurance company is right for you? Compare rates, pros & cons, and quotes from Direct Auto and Grinnell.

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Direct Auto vs. Grinnell: What You Need to Know

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 average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Direct Auto Overview and Grinnell Mutual Overview.

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

Below is a list of the average rates that drivers typically pay with Direct Auto and Grinnell Mutual. On average, Direct Auto charges approximately $224.48 per month while Grinnell Mutual comes in at around $127.58 per month. For Direct Auto, the cheapest state average is North Carolina at $90.10 per month and the most expensive is South Carolina at $337.45 per month. For Grinnell Mutual, the cheapest state average is Iowa at $125.68 per month and the most expensive is North Dakota at $134.60 per month.

Direct Auto

Average Rate

$224.48
Grinnell Mutual

Average Rate

$127.58
National

Average Rate

$120.30
State Direct Auto Grinnell Mutual
Alabama $116.64 -
Arkansas $177.45 -
California $332.90 -
Florida $196.36 -
Georgia $229.77 -
Illinois $310.15 -
Iowa- $125.68
North Carolina $90.10 -
North Dakota- $134.60
Ohio $218.29 -
South Carolina $337.45 -
Tennessee $129.72 -
Texas $154.57 -
Virginia $309.01 -
Washington $293.45 -

Direct Auto 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 Direct Auto and Grinnell Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Direct Auto Grinnell Mutual
1 Vehicle $218.68 $114.23
2 Vehicles $303.80 $186.03

Direct Auto 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 Direct Auto charges $183.21 per month and Grinnell Mutual charges $129.95 per month for customers who own their home.

Own/Rent Direct Auto Grinnell Mutual
Own $183.21 $129.95
Rent $230.13 $126.53

What is Direct Auto and Grinnell Insurance Rating?

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.

ComparisonDirect AutoGrinnell
Year Founded19911909
A.M. Best RatingA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06
S&P RatingA

Direct Auto or Grinnell: Insurance Products Offered

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.

InsuranceDirect AutoGrinnell
Auto Insurance
Commercial Insurance
Farm Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Direct Auto or Grinnell: Ways To Save

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.

Direct AutoGrinnell
Affinity DiscountAnniversary Discount
Good Student DiscountAnti-lock Brakes Discount
Homeowner DiscountAnti-theft Discount
Mileage DiscountClaim-free Discount
Military DiscountDefensive Driver Discount
Multi-Car DiscountElectronic Funds Transfer Discount
Multi-Product DiscountElite Driver (Good Driver)
Prior Coverage DiscountExcess Vehicles Discount
Renewal DiscountGood Student Discount
Safe Driver DiscountMile Marker
Senior Citizen DiscountMinor Violation Forgiveness
Welcome Back DiscountMotor Homes Limited Use Discount
Multi-Car Discount
Multi-policy Discount
Paid-in-Full Discount
Passive Restraint/Airbags Discount
Small At-fault Accident Forgiveness

Pros & Cons of Direct Auto & Grinnell

Pros

Direct Auto
  • Flexible billing options and customizable insurance payments
  • Affordable rates regardless of consumers driving history
  • Offers SR-22 filing for drivers
  • Offers a variety of discounts
Grinnell
  • Grinnell offers good customer service and reliable insurance products.
  • Customized commercial policies.

Cons

Direct Auto
  • Claims only by phone. There is no option to file a claim online.
Grinnell
  • Grinnell auto insurance is only available in 19 states.

Direct Auto or Grinnell Mobile Apps Options


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 & Grinnell Contact Info

Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://www.instagram.com/directautoins/
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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