Allied Property & Casualty vs. Grinnell Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Grinnell Mutual offers slightly less expensive rates than Allied Property & Casualty
• Allied Property & Casualty tends to be a much cheaper option for drivers who have received a ticket within the last few years
• Grinnell Mutual has more affordable prices for people who are single and purchasing auto insurance by yourself

Allied Property & Casualty vs. Grinnell Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Allied Property & Casualty or Grinnell Mutual as potential options, but which carrier will offer you less expensive premiums?

Looking at nationwide averages, Grinnell Mutual is about $3 per month more affordable than Allied Property & Casualty.

However, that doesn't necessarily mean Grinnell Mutual will be the cheaper option for each driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so rates could differ drastically from person to person.

Luckily, we've broken down average prices from both Allied Property & Casualty and Grinnell Mutual by a variety of different rate factors, so read on to find out which company is the best for you.

Allied Property & Casualty or Grinnell Mutual: Average Car Insurance Rates by State

Allied Property & Casualty and Grinnell Mutual only compete against each other in North Dakota, where Grinnell Mutual offers the cheaper average rates. For North Dakota residents, Grinnell Mutual offers insurance for $115 a month on average. Allied Property & Casualty's average premiums come out to be more expensive, at $123 per month.

That being said, there are plenty of other factors that go into your car insurance cost than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of more than $10 less a month by choosing Grinnell Mutual over Allied Property & Casualty.

That being said, with both carriers, you'll see your premiums lower significantly by the time you turn 25. Grinnell Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Allied Property & Casualty still has the cheapest rates at $110 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable auto insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

So, which carrier offers the best prices to retired drivers? Grinnell Mutual gets the edge, with rates for drivers 65 and older $9 more affordable than the national average for Allied Property & Casualty.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more expensive for single drivers than they are for married couples? That's generally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Grinnell Mutual is the winner for single policyholders, with prices around $5 per month cheaper than Allied Property & Casualty, on average.

Allied Property & Casualty vs. Grinnell Mutual: Average Rates by Gender

Because men are more likely to get tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, men tend to get higher rates than women.

Men typically pay about 5% more a month than women with Allied Property & Casualty, and around 5% more with Grinnell Mutual.

Looking at overall affordability, Grinnell Mutual offers the cheapest average rates for both men and women. On average, male drivers save about $3 per month and women save about $3 with Grinnell Mutual compared to the average Allied Property & Casualty policyholder.

Allied Property & Casualty or Grinnell Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

In this case, Grinnell Mutual offers the most affordable average prices for state minimum liability insurance, while Allied Property & Casualty has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $20 with Grinnell Mutual, while full coverage comes out to be around $15 less expensive with Allied Property & Casualty Insurance Company.

Is Allied Property & Casualty or Grinnell Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which company -- Allied Property & Casualty or Grinnell Mutual -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Grinnell Mutual car insurance policies don't report seeing their prices increase after getting a ticket, but Allied Property & Casualty policyholders can expect to see their monthly bill increase by about 20%.

Even so, Allied Property & Casualty tends to offer the best prices for drivers both with clean records and with a ticket, offering rates that are 33% and 15% cheaper, respectively, compared to Grinnell Mutual.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Allied Property & Casualty raising by over $40. Grinnell Mutual has a less extreme climb, but you can still expect to pay $0 more than you were prior to your first collision.

Overall, Grinnell Mutual offers the most affordable prices for drivers with an at-fault accident on their records, with monthly premiums averaging $115 compared to Allied Property & Casualty Insurance Company's $119.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Allied Property & Casualty increases average rates by more than $100 a month -- that's over a 55% increase.

If you have a DUI on your record and are looking for more affordable premiums, Grinnell Mutual tends to be the much less expensive option with average rates of $115 per month compared to $179 from Allied Property & Casualty.

How does Credit Score Impact Allied Property & Casualty and Grinnell Mutual Rates?

Did you know that many insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for several drivers.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Allied Property & Casualty and Grinnell Mutual specifically, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Grinnell Mutual. Policyholders with "excellent" credit can save just under 15% compared to Allied Property & Casualty, and those with "good" scores can also expect to see savings -- around $10 or 9% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about $9 less with Grinnell Mutual than Allied Property & Casualty, but those whose credit is considered "poor" have it flipped -- saving around $19 per month with Allied Property & Casualty.

Is Allied Property & Casualty or Grinnell Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on how much insurance carriers will charge for coverage? Generally, the more miles you put on your vehicle each year, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a pretty significant difference in monthly premiums for Grinnell Mutual, with policyholders who drive 6,000 miles each year paying about $14 less every month compared to those who drive 12,000 miles annually.

Allied Property & Casualty vs. Grinnell Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a big impact on your monthly auto insurance payment. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Grinnell Mutual normally comes out as the less expensive option for drivers in urban and suburban areas, while Allied Property & Casualty wins in rural areas.

Those in rural areas can expect to pay around $117 a month with Allied Property & Casualty compared to Grinnell Mutual's $119. People in suburban areas pay about $115 with Grinnell Mutual compared to Allied Property & Casualty's $121 monthly. In urban areas, Grinnell Mutual's average rates are around $111 a month compared to Allied Property & Casualty's $117.

Allied Property & Casualty vs. Grinnell Mutual Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by Allied Property & Casualty and Grinnell Mutual so that you can see which one can save you the most money each month.

Overall, Allied Property & Casualty has the advantage when it comes to total number of discounts. Grinnell Mutual offers a grand total of 12 discounts, while Allied Property & Casualty has 16.

A couple of those are overlapping for things like discounts for being a defensive driver, EFT discounts, and discounts for insuring multiple cars with the same company. Allied Property & Casualty also offers advance quote discounts, distant student discounts, employee discounts, and more that Grinnell Mutual does not.

On the flip side, Grinnell Mutual has a couple unique discounts of its own -- ABS discounts, anti-theft discounts, excess vehicle discounts, and more.

Final Thoughts: Is Allied Property & Casualty or Grinnell Mutual Best for You?

So, we've broken down the average premiums for many of the variables insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, is Allied Property & Casualty or Grinnell Mutual the right fit for you?

Grinnell Mutual might be best for you if....

• Your driving record contains an at-fault accident.
• You have above-average credit.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Allied Property & Casualty might be best for you if...

• You have a clean record.
• You're looking for more protection with "full coverage" car insurance.
• You have a short drive to work everyday.

We hope this guide helps you get a good idea of the differences between Allied Property & Casualty and Grinnell Mutual and that you can now make a more informed decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from multiple carriers, not just Allied Property & Casualty and Grinnell Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Grinnell Mutual FAQs

Is Allied Property & Casualty or Grinnell Mutual cheaper?

Looking just at the national average rates, Grinnell Mutual is the more affordable of the two carriers, offering average rates of $115 per month compared to $118 for Allied Property & Casualty. However, Grinnell Mutual won't necessarily be the cheapest company for everyone, since there are a bunch of different factors that are considered when it comes to your car insurance bill.

Who is better, Allied Property & Casualty or Grinnell Mutual?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all boils down to your unique insurance profile. For example, Grinnell Mutual offers cheaper prices for drivers with an at-fault collision on their record, while Allied Property & Casualty is more affordable for drivers who have less-than-stellar credit scores.

Why do Allied Property & Casualty and Grinnell Mutual offer me different rates?

Auto insurance companies take a look at many different variables when determining the premiums they charge policyholders. Factors like where you live, where you park your car, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and Grinnell Mutual calculate rates differently, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Allied Property & Casualty or Grinnell Mutual is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Allied Property & Casualty or Grinnell Mutual at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.