How do customers rate Grinnell Mutual?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Grinnell Mutual Insurance Ratings, Discounts & Coverages

Now in our second century of service, still committed to our trusted relationships with you. Trust in Tomorrow.®

Grinnell Mutual, in business since 1909, is the 110th-largest property casualty insurance company in the United States and the largest primary reinsurer of farm mutual companies in North America. Our products are available in 19 states.

Grinnell Mutual's mission is to cultivate our trusted relationships. With member mutuals, we do this by providing state-of-the-art reinsurance solutions and consultative services focusing on members'​ success. With agents, we do this by providing insurance solutions with a focus on ease of doing business. With policyholders, we do this by fulfilling our promise to help them in their times of need. With employees, we do this by providing an innovative environment where they are empowered to be their best.

We have earned an 'A'​ (Excellent) rating for financial strength from A.M. Best since 1976 and have been a Property-Casualty Ward’s 50® Company since 2016. Insurance Journal named us to their Top 100 Super Regional Property/Casualty Insurers in 2019.

Grinnell Mutual auto insurance discounts

  • Small At-Fault Accident Forgiveness: Grinnell Mutual customers with at-fault accidents less than $5,000 are not charged
  • Waived Deductible: Grinnell Mutual will waive your deductible if your accident involves another Grinnell Mutual policyholder or an affiliated mutual company policyholder
  • Minor Violation Forgiveness: Grinnell Mutual customers who have had only one minor violation within the past three years will not be charged for a small infraction
  • Paid in Full Discount: Paying your car insurance or farm truck insurance premiums up could qualify you for a discount
  • Claim-Free Discount: Drivers who have maintained a clean driving record may qualify for savings

Additional Grinnell Mutual discounts

  • Anniversary 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

Get personalized auto insurance recommendations

What coverages does Grinnell Mutual offer?

Specialty Coverage

ATV insurance

Specialty Coverage

Agribusiness Insurance

Specialty Coverage

Business insurance

Specialty Coverage

Commercial auto insurance

Specialty Coverage

Commercial property

Specialty Coverage

Commercial vehicle insurance

Specialty Coverage

Construction - Commercial

Specialty Coverage

Farm & Ranch Insurance

Specialty Coverage

Farm Auto Insurance

Specialty Coverage

Farm insurance

Specialty Coverage

Inland Marine Coverage

Specialty Coverage

Motorhome Insurance

Specialty Coverage

Professional Liability

Specialty Coverage

Snowmobile Insurance

Need to submit a claim with Grinnell Mutual?

You can Call 877-467-2252, Email claims@grinnellmutual.com or submit a claim online. For more information visit Grinnell Mutual's claims page.

More about Grinnell Mutual

Grinnell Mutual’s Mile Marker Auto Loyalty Program provides small at-fault accident forgiveness, waived deductible, minor violation forgiveness and celebrated milestones for each year you are with Grinnell Mutual.

Grinnell Mutual sells a selection of Commercial policies, including Farm Owners insurance, Business insurance and Reinsurance in the Midwest.

Visit the Grinnell Mutual website to learn more about the products it offers, view insurance ID documents, make a payment, file a claim, manage accounts and more.

What states does Grinnell Mutual do business in?

Grinnell Mutual sells car, renters and motorcycle insurance in 12 states and homeowners insurance in 11 states. See the state Grinnell Mutual sells in below and click the link to see how Grinnell Mutual compares to the other top companies in that state.

Grinnell Mutual employees


Grinnell Mutual mission

Grinnell Mutual's mission is to cultivate our trusted relationships. With member mutuals, we do this by providing state-of-the-art reinsurance solutions and consultative services focusing on members' success. With agents, we do this by providing insurance solutions with a focus on ease of doing business. With policyholders, we do this by fulfilling our promise to help them in their times of need. With employees, we do this by providing an innovative environment where they are empowered to be their best.

Grinnell Mutual Awards & Accolades

  • Top Workplace since 2011
  • "A" rating, A.M. Best since 1976
  • Wards Top 50 since 2016
  • America’s Best Employers by State in 2019
  • Vault Top 50 Internship in 2018
  • Insurance Journal Super Regional Property/Casualty Insurer in 2019