American Family vs. Grinnell Mutual: Which Company is the Best Fit for You?

Want to know if American Family or Grinnell Mutual is the better choice for auto insurance? You're probably wondering which carrier offers the best rates or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Grinnell Mutual offers less expensive prices than American Family
  • American Family may help you save more money -- they offer more discounts than Grinnell Mutual
  • Grinnell Mutual offers more affordable premiums for policyholders who drive fewer than 12,000 miles yearly


American Family or Grinnell Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might be considering American Family or Grinnell Mutual for your next policy, but which one has cheaper rates for auto insurance?

American Family Grinnell Mutual
$140$115

Looking at the national average rates for both carriers, Grinnell Mutual has average rates that are around 18% a month more affordable than those from American Family.

That being said, that doesn't mean Grinnell Mutual will necessarily be cheaper than American Family for every driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

So, if you want to find out which of American Family or Grinnell Mutual is really the best for you, keep reading to see average premiums for each carrier broken down by a bunch of different rate factors.

American Family vs. Grinnell Mutual: Average Car Insurance Rates by State

State American Family Grinnell Mutual
ND$93$115

American Family and Grinnell Mutual only compete against each other in North Dakota, where American Family offers the cheaper average prices. American Family drivers tend to pay about $22 per month less on average compared to drivers who use Grinnell Mutual for their car insurance.

There's a lot more that goes into your insurance cost than just the state you live in. Read on to learn more.


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Which is the Best Company For Young Drivers?

American Family Grinnell Mutual
18-year-old drivers$311$223
25-year-old drivers$121$113

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Grinnell Mutual save almost 30% a month compared to those who use American Family. It's worth noting that American Family offers car insurance in 16 different states compared to Grinnell Mutual's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower rates by the time you turn 25. Grinnell Mutual offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. American Family's average premiums drop over 60% during that same period.

Which is the Best Company for Retired Drivers?

American Family Grinnell Mutual
65+-year-old drivers$107$80

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

So, which company offers the best premiums to retired drivers? Grinnell Mutual gets the edge here, with average prices coming in at about $80 per month compared to American Family's $107.

Which is the Best Company for Married Drivers?

American Family Grinnell Mutual
Single$166$131
Married$106$94

You may not be aware, but car insurance rates tend to be less expensive for married policyholders than they are for single drivers. This usually boils down to married drivers having more than one vehicle on their policy -- something lots of insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with Grinnell Mutual prices coming in at a quarter less than American Family's. The advantage is also clear for married couples - Grinnell Mutual offers the cheapest average rates.

American Family or Grinnell Mutual: Average Rates by Gender

American Family Grinnell Mutual
Male$143$118
Female$138$112

Men are statistically more likely than women to get tickets and get into accidents. That means when it comes to auto insurance men will generally end up paying a little more.

On average, women see premiums around 3% per month less with American Family, but with Grinnell Mutual, the difference is closer to 5% a month.

Looking at overall affordability, Grinnell Mutual comes out as the lowest option for both genders, with average prices $25 less for men and $26 cheaper for women.


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American Family vs. Grinnell Mutual: Compare State Minimum vs. Full Coverage Rates

American Family Grinnell Mutual
State Minimum*$96$47
Full Coverage**$185$183

*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, car insurance isn't the easiest topic to understand. There are many different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But most policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Grinnell Mutual has the significant edge, with average monthly rates coming in at $47. If you want a full coverage policy with the same state minimum limits, Grinnell Mutual again has the edge, with policies averaging about $183 per month to American Family's $185.

Is American Family or Grinnell Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and collisions will most likely raise your premiums, but is American Family or Grinnell Mutual more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

American Family Grinnell Mutual
Clean Record$118$115
1 Speeding Ticket$147$115

Policyholders with Grinnell Mutual auto insurance policies don't report seeing their rates increase after getting a ticket, but American Family policyholders can expect to see their monthly bill increase by around a quarter.

Even so, Grinnell Mutual is typically the cheaper option for drivers both with clean records and with a speeding ticket -- their rates are around 3% less expensive for drivers with clean records and 22% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

American Family Grinnell Mutual
Clean Record$118$115
1 At-Fault Accident$138$115

Both companies will raise premiums pretty significantly if you get into an at-fault collision with American Family climbing by about 14%. Grinnell Mutual has a less extreme climb, but you can still expect to pay 0% more than you were prior to your first accident.

At the end of the day, Grinnell Mutual offers the cheapest prices for drivers with an at-fault collision on their records, with average premiums coming in at $115 compared to American Family Insurance's $138.

Which Company is Best for Drivers with a DUI?

American Family Grinnell Mutual
Clean Record$118$115
1 DUI$158$115

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. For example, American Family increases average prices by $40 a month -- that's more than a 25% increase.

Grinnell Mutual has the overall lowest rates for drivers with a DUI on their records at $115 monthly, but it's worth noting that American Family's average rates come from 16 states compared to just one for Grinnell Mutual, so the data may be skewed slightly.


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How does Credit Score Impact American Family and Grinnell Mutual Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly insurance prices. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it might come into play for many drivers.

The reasoning auto insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

Looking specifically at Grinnell Mutual and American Family, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

American Family Grinnell Mutual
Excellent Credit Score$100$80
Good Credit Score$120$96

If you have a solid credit score, Grinnell Mutual will normally reward you the most. For policyholders with "excellent" credit scores, Grinnell Mutual comes in 20 cheaper. Drivers with "good" credit scores generally save around 20% with Grinnell Mutual compared to average rates from American Family.

Which Company is Best for Drivers with Bad Credit?

American Family Grinnell Mutual
Fair Credit Score$141$116
Poor Credit Score$201$168

Grinnell Mutual typically offers lower prices than American Family when it comes to drivers with bad credit. Drivers with "fair" credit pay about 18% per month less with Grinnell Mutual compared to American Family, and those with "poor" scores typically save an average of around 16% a month.


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Is American Family or Grinnell Mutual Better for Drivers who Work from Home or Have Short Commutes?

American Family Grinnell Mutual
6,000 Annual Miles$138$108
12,000 Annual Miles$143$122

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

Grinnell Mutual tends to be the less expensive option for both remote workers and those taking short commutes. American Family's average rates for drivers with 6,000 annual miles come in $30 more expensive than Grinnell Mutual. Those who drive 12,000 miles annually can expect to pay more than $20 more with American Family over Grinnell Mutual.

American Family or Grinnell Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly car insurance payment. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

American Family Grinnell Mutual
Urban Areas$166$111
Suburban Areas$134$115
Rural Areas$121$119

Grinnell Mutual tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $2 with Grinnell Mutual compared to American Family. People who live in suburban areas pay around $19 less with Grinnell Mutual compared to American Family. For policyholders in urban ZIP codes, Grinnell Mutual's average prices are about $55 less than American Family Insurance.

American Family vs. Grinnell Mutual Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by American Family and Grinnell Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

American Family Grinnell Mutual
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount
Connect Partner Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
DRL Discount 
EFT Discount
ESC Discount 
Excess Vehicle Discount 
Generational Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Multi-Car Discount
Multi-Policy Discount
New Business Discount 
Paid In Full Discount
Paperless Discount 

American Family knocks Grinnell Mutual out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Grinnell Mutual.

There are a couple discounts both companies offer, but American Family also offers discounts for advance quote, connect partner, COVID-19 relief, and more.

On the other hand, Grinnell Mutual has a few proprietary discounts of their own for things like ABS discounts, excess vehicle discounts, new business discounts, and more.


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Final Thoughts: Is American Family or Grinnell Mutual Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the best carrier for you and your specific driver profile?

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

  • You will be the only person on the insurance policy.
  • You live in an suburban area.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.


American Family might be best for you if...

  • You already have plans to move to another state -- Grinnell Mutual only offers policies to North Dakota residents.
  • You're looking for discounts -- American Family has the most.

Hopefully, this guide has ben a valuable resource as you compare American Family and Grinnell Mutual. We also hope we've given you the information you need to make the best decision about 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 insurance -- comparing quotes from several carriers, not just American Family and Grinnell Mutual. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.


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American Family vs. Grinnell Mutual FAQs

Is American Family or Grinnell Mutual cheaper?

Grinnell Mutual is the more affordable of the two carriers when looking at national average prices, with policies averaging $115 a month with Grinnell Mutual and $140 for American Family. That being said, that doesn't mean Grinnell Mutual will be the most affordable company for every policyholder, since there are several different variables that are considered when it comes to your auto insurance bill.

Who is better, American Family or Grinnell Mutual?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do American Family and Grinnell Mutual offer me different rates?

Car insurance companies use quite a few different factors when determining the premiums they charge. Variables like age, your driving record, where you park your car, gender, and sometimes even things like your credit score can all be used. Both American Family and Grinnell Mutual use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if American Family or Grinnell Mutual is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't American Family or Grinnell Mutual at all, but another you hadn't even thought of!


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.

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