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

Quick Facts

• Based on national averages for insurance, Nodak offers slightly cheaper prices than Grinnell Mutual
• Grinnell Mutual offers more discounts than Nodak Insurance Company
• Nodak offers more affordable premiums for drivers who have received a ticket within the last few years

Grinnell Mutual vs. Nodak: 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 sizable discounts. But exactly how much can you save by switching?

You might be considering Grinnell Mutual or Nodak for your next policy, but between the two, which company will offer you less expensive prices?

As you can see, Nodak is about $4 per month more affordable than Grinnell Mutual when looking at the national average rates for auto insurance.

But Nodak may not be the cheapest or best option for every single driver out there. Insurance companies vary their rates depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and tons of other factors, so premiums will vary quite a bit from person to person.

Wanting to know if Grinnell Mutual or Nodak is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Grinnell Mutual or Nodak: Average Car Insurance Rates by State

Both Grinnell Mutual and Nodak only offer car insurance in North Dakota, so you'll see that the average figures here will mirror the ones we mentioned above. For North Dakota residents, Nodak offers auto insurance for $111 monthly on average. Grinnell Mutual's average rates come out to be more expensive, at $115 a month.

Typically, the state you live in will play a huge role in how much you pay for insurance, but since both companies only do business in North Dakota, a multitude of other factors will come into play when you compare Grinnell Mutual and Nodak. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group out there on the road. Generally, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of nearly $20 less a month by choosing Nodak over Grinnell Mutual.

However, both carriers will decrease premiums once you turn 25. Nodak offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Grinnell Mutual's average prices lower almost 50% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Grinnell Mutual gets the slight edge here, with average rates coming in at around $80 per month compared to Nodak's $84. That being said, the difference is only about 5%, so other factors (such as where you live or your credit score) will likely come into play when determining which company has the most affordable prices for you.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally cheaper for married drivers than they are for single drivers? This usually boils down to married couples having more than one car on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Nodak is the winner for single policyholders, with rates around $8 per month less expensive than Grinnell Mutual, on average.

Grinnell Mutual vs. Nodak: Average Rates by Gender

Because men are more likely to get speeding tickets and get into collisions, they have a higher chance of filing a claim with insurance. Therefore, men usually pay more for insurance than women.

With Grinnell Mutual, women typically pay about $6 a month less than men, and around $5 cheaper with Nodak when compared to their male counterparts.

Looking at overall affordability, Nodak comes out as the cheapest option for both genders, with average premiums 3% less for men and 3% cheaper for women.

Grinnell Mutual or Nodak: 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.

It's no secret that auto insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

Even so, most policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability coverage).

In this case, Nodak offers the lowest average prices for state minimum limits for liability insurance, while Grinnell Mutual has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Nodak Insurance Company, while full coverage comes out to be about $4 more affordable with Grinnell Mutual.

Is Grinnell Mutual or Nodak Better for Drivers with Spotty Records?

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

Accidents and tickets will most likely raise your rates, but is Grinnell Mutual or Nodak cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Grinnell Mutual insurance policies don't report seeing their prices increase after getting a ticket, but Nodak policyholders can expect to see their monthly bill increase by.

That being said, Nodak has more affordable premiums for drivers in both categories. Drivers with a clean record can save around $25 per month with Nodak Insurance Company, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Grinnell Mutual drivers who get in an accident can expect to see their prices climb by 0%, while those who have insurance through Nodak will see about a 15% increase.

Overall, Nodak offers the cheapest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $107 compared to Grinnell Mutual's $115.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than a collision or speeding ticket. Nodak drivers usually see a 36% climb in their car insurance prices after a DUI charge, while Grinnell Mutual will normally increase rates by around 0%.

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 prices of $115 a month compared to $141 from Nodak.

How does Credit Score Impact Grinnell Mutual and Nodak Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of policyholders.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Grinnell Mutual and Nodak specifically, which carrier has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Nodak. Policyholders with "excellent" credit can save just under 30% compared to Grinnell Mutual, and those with "good" scores can also expect to see savings -- about $12 or 13% cheaper 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 rates. Drivers with "fair" credit pay around $5 less with Nodak than Grinnell Mutual, but those whose credit is considered "poor" have it flipped -- saving about $25 a month with Grinnell Mutual.

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

How much you drive can have a big impact on how much insurance carriers will charge for coverage. Typically, the more miles you drive, the more you can expect to pay for coverage.

Looking specifically at Grinnell Mutual and Nodak, Grinnell Mutual is the less expensive option for people who work from home, while Grinnell Mutual has better premiums for those with short commutes. Nodak average rates for drivers with 6,000 annual miles come in around $0 more expensive than Grinnell Mutual. Those who drive 12,000 miles each year can expect to pay about $7 more with Grinnell Mutual over Nodak.

Grinnell Mutual vs. Nodak: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly car insurance bill. Normally, 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 vs. Nodak Discounts

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

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've broken down all of the different discounts offered by both Grinnell Mutual and Nodak so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Grinnell Mutual comes out ahead with 12 discounts to Nodak's nine.

There are a couple discounts both companies offer, but Grinnell Mutual also offers ABS discounts, anti-theft discounts, excess vehicle discounts, and more that Nodak does not.

On the flip side, Nodak has a couple unique discounts of its own -- discounts for getting driver training, low mileage discounts, and loyalty discounts.

Final Thoughts: Is Grinnell Mutual or Nodak Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the right fit for you?

Nodak might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You have above-average credit.
• You live in a rural area.

Grinnell Mutual might be best for you if...

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You drive fewer than 6,000 miles annually.

We hope this guide helps you get a better idea of the difference between Grinnell Mutual and Nodak. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Grinnell Mutual and Nodak. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Grinnell Mutual vs. Nodak FAQs

Is Grinnell Mutual or Nodak cheaper?

Looking just at the national average premiums, Nodak is the more affordable of the two carriers, offering average rates of $111 per month compared to $115 for Grinnell Mutual. However, Nodak won't necessarily be the most affordable company for every policyholder, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Grinnell Mutual or Nodak?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for each driver -- it all boils down to your unique auto insurance profile. For example, Grinnell Mutual offers less expensive rates for drivers with a recent DUI, while Nodak is cheaper for drivers with excellent credit.

Why do Grinnell Mutual and Nodak offer me different rates?

Car insurance companies take a look at many different variables when calculating the prices they charge drivers. Things like where you live, age, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Grinnell Mutual and Nodak use different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Grinnell Mutual or Nodak 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.