Grinnell Mutual: Overview

Grinnell Mutual was founded in 1909 and provides coverage in 19 states.

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About Grinnell Mutual

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.

Grinnell Mutual Facts & Ratings

Year Founded1909
Financial StrengthExcellent
BBBA+
S&P Rating A
A.M Best RatingA

Grinnell Mutual Mobile App Rating

Grinnell does not currently have a mobile app.

Pros & Cons of Grinnell Mutual

  • Grinnell offers good customer service and reliable insurance products.
  • Customized commercial policies.
  • Grinnell auto insurance is only available in 19 states.

Common Questions about Grinnell Mutual

What states does Grinnell Mutual write in?

Grinnell Mutual writes policies in Illinois, Indiana, Iowa, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, and Wisconsin.

How to obtain proof of insurance with Grinnell Mutual:

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 uwcsr@grinnellmutual.com

What information do I need when filing a claim with Grinnell Mutual?

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.

Who owns Grinnell Mutual insurance?

Grinnell is a mutual holding company.

What is Grinnell Mutual’s Auto Plus program?

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.

How does Grinnell Mutual’s Mile Marker program work?

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.

Does Grinnell Mutual cover windshield repair?

Yes, Grinnell covers windshield repair with the Safelite Autoglass Program, which works with nearly 9,000 repair shops in the Grinnell network.

Does Grinnell Mutual have accident forgiveness?

Grinnell’s Mile Marker Auto Loyalty program offers small at-fault accident forgiveness.

How to save on car insurance with Grinnell Mutual:

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.

Does Grinnell Mutual auto insurance cover rental car?

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.

What does Grinnell Mutual Home-Guard® home insurance cover?

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.

Is Grinnell Mutual Equipment Breakdown coverage worth it?

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.

Does Grinnell Mutual have good homeowners insurance?

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.

What does Grinnell Mutual business insurance will cover?

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.

What coverage does Grinnell Mutual offer to restaurant business owners?

  • Brands and Labels
  • Credit Card Forgery, $25,000
  • Damage to Customer’s Vehicle from Valet Parking, $25,000
  • Employee Theft of Customer’s Property
  • Food Contamination, $15,000
  • Service Errors and Omissions, $10,000
  • Special Event Cancellation, $25,000
  • Spoilage, $10,000
  • Utility Services, $10,000
  • Wine Inventory at Menu Price, $25,000

Optional restaurant coverages include:

  • Hired and Non-owned Auto, Including Delivery
  • Liquor Liability
  • Loss or Damage to Customer’s Auto

Grinnell Mutual Insurance Products

Auto InsuranceHome Insurance
Renters InsuranceBusiness Insurance
UmbrellaFarm Insurance

Grinnell Mutual Auto Insurance Coverage

Bodily Injury Liability

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.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments (Med Pay)

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.

Towing and Roadside Service

If your car needs service on the road, this protection covers the cost up to limits.

No-fault Coverage

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.

Auto Plus

This coverage includes pet injury, airbag reinstallation, lock replacement, locked vehicle, personal property and rental car loss of use.

Discounts

Elite Driver (Good Driver)Mile Marker
Small At-fault Accident ForgivenessMinor Violation Forgiveness
Paid-in-Full DiscountClaim-free Discount
Electronic Funds Transfer DiscountAnniversary Discount
Anti-lock Brakes DiscountAnti-theft Discount
Multi-policy DiscountExcess Vehicles Discount
Good Student DiscountMotor Homes Limited Use Discount
Multi-Car DiscountPassive Restraint/Airbags Discount
Defensive Driver Discount

Grinnell Mutual Auto Insurance Rates by State

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
IA $116.01
ND $110.95
State Avg monthly rate

Grinnell Mutual Auto Insurance Rates by Vehicle

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
1 Vehicle $106.32
2 Vehicles $155.04
4 Vehicles $215.75
3 Vehicles $229.29
5 Vehicles $263.17

Grinnell Mutual Auto Insurance Rates by Homeownership

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
Own $114.06
Rent $115.46

Grinnell Mutual Contact Info

Address 4215 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
Linkedin 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.

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