Grinnell Mutual was founded in 1909 and provides coverage in 19 states.
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.
|A.M Best Rating||A|
Grinnell does not currently have a mobile app.
Grinnell Mutual writes policies in Illinois, Indiana, Iowa, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, and Wisconsin.
You can always find a current copy of your auto ID card when you choose your policy number from your customer website account and click the “View ID card” link. If you have any questions, please contact Customer Service at 800-362-2041 or email customer service at firstname.lastname@example.org
To file a claim, you’ll need a record of date and time, location and names, as well as contact information for everyone involved in the accident, including witnesses. Descriptions of vehicles and license plate numbers are helpful and so is the insurance information of the other driver.
Grinnell is a mutual holding company.
Grinnell Mutual’s Auto Plus endorsement offers extra coverage like pet injury, airbag reinstallation, lock replacement, locked vehicle, personal property, rental car loss of use and more.
The Grinnell Mutual Mile Marker Auto Loyalty Program is available to policyholders who have had their personal auto policies for at least five years and meet other underwriting guidelines. Tows are automatically included in your coverage if you are in an accident. Mile Marker provides reimbursement for towing needed for reasons other than an accident (dead battery, out of gas, etc.) if the vehicle is listed on your Dec page with Liability and Other than Collision Coverage. Mile Marker will cover up to $50 per tow, limited to two claims per six-month policy term and four claims per 12-month policy term. If you don’t qualify for Mile Marker, you can purchase extra coverage to include towing.
Yes, Grinnell covers windshield repair with the Safelite Autoglass Program, which works with nearly 9,000 repair shops in the Grinnell network.
Grinnell’s Mile Marker Auto Loyalty program offers small at-fault accident forgiveness.
You can take advantage of Grinnel Mutual’s discounts (see above under “Discounts”) to pay less in car insurance. You can also raise your deductible amount so you pay less each month. Married people get the biggest discounts and so do safe drivers, so get married and stay out of accidents.
If you select the Auto Plus coverage, it includes rental car loss of use, which extends collision coverages to any personal passenger car you or a family rents. It also covers up to $750 for indirect loss of use for a rental vehicle.
Grinnell Mutual Home-Guard® policy covers personal property and personal liability. Other coverages include dwelling and other structures, additional living expenses and personal injury. You can also buy other coverages like Home-Guard Plus, water backup, residential rental property and more.
Heating and cooling systems, kitchen appliances, clothes washer, and dryers are all expensive to repair and replace. Extended warranties are costly and often disappointing. This coverage provides up to $10,000 of overage for living expenses incurred if you can’t live in your home due to a covered equipment breakdown loss. Imagine paying for the costs on your own? You decide if it’s worth it.
Grinnell Mutual is a reputable insurer. They offer good homeowners insurance and get better than average reviews. You can also comparison shop several homeowners insurance companies by visiting here.
Grinnell Mutual business insurance covers commercial auto, cyber liability, employment practices liability, equipment breakdown, commercial umbrella, workers’ compensation, and a whole host of coverages specific to different industries that include auto services, barbershops, convenience stores, florists, churches, storage warehouses, multi-family residential homes, restaurants, veterinarians and more.
Optional restaurant coverages include:
|Auto Insurance||Home Insurance|
|Renters Insurance||Business Insurance|
This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.
This form of coverage is required in every state. It covers property damage and loss of use to a third party.
This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.
his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
This coverage pays for hospital bills and medical expenses for you and your passengers, regardless of who’s at fault. This coverage is required in some states.
If your car needs service on the road, this protection covers the cost up to limits.
Some states require no-fault insurance, sometimes called personal injury protection (PIP). No matter who is at fault, this covers medical, work loss and other expenses resulting from auto accident injuries.
This coverage includes pet injury, airbag reinstallation, lock replacement, locked vehicle, personal property and rental car loss of use.
|Elite Driver (Good Driver)||Mile Marker|
|Small At-fault Accident Forgiveness||Minor Violation Forgiveness|
|Paid-in-Full Discount||Claim-free Discount|
|Electronic Funds Transfer Discount||Anniversary Discount|
|Anti-lock Brakes Discount||Anti-theft Discount|
|Multi-policy Discount||Excess Vehicles Discount|
|Good Student Discount||Motor Homes Limited Use Discount|
|Multi-Car Discount||Passive Restraint/Airbags Discount|
|Defensive Driver Discount|
Below is a list of the average rates that drivers typically pay with Grinnell Mutual. On average, Grinnell Mutual charges approximately $115.03 per month. The cheapest state average is North Dakota at $110.95 per month followed by Iowa at $116.01 per month. The most expensive state average is Iowa at $116.01 per month.
|State||Avg monthly rate|
|State||Avg monthly rate|
Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Grinnell Mutual charges for drivers who have more than 1 vehicle.
|Number of Vehicles||Avg Monthly Rate|
Customers who own their home rather than rent can sometimes get a small discount. We found that on average Grinnell Mutual charges $114.06 per month for drivers who own their home and $115.46 per month for those who rent.
|Own/Rent||Avg Monthly Rate|
|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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