Frankenmuth Insurance Review

Frankenmuth Insurance Review

Editor's Rating

Frankenmuth Insurance is a great option for budget-conscious drivers and those who want great customer service, but shoppers looking for the chance to get a lot of extra features may look elsewhere.

Good for

  • Getting affordable car insurance
  • Very highly rated customer service

Bad for

  • Maximizing a car insurance policy's protection with many add-ons
  • Comparing auto insurance quotes online
Frankenmuth Insurance
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Editor's Rating

Frankenmuth Insurance is a great option for budget-conscious drivers and those who want great customer service, but shoppers looking for the chance to get a lot of extra features may look elsewhere.

Good for

  • Getting affordable car insurance
  • Very highly rated customer service

Bad for

  • Maximizing a car insurance policy's protection with many add-ons
  • Comparing auto insurance quotes online
Frankenmuth Insurance
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Frankenmuth Insurance is known for reliably cheap car insurance in Michigan and Ohio. For minimum and full coverage, the insurer's prices were below average and compared favorably with competitors' rates. Frankenmuth also remained affordable for drivers who had experienced one prior accident.

While drivers can find cheap car insurance with Frankenmuth Insurance, its relative lack of extra features may be unappealing to those looking for maximum coverage. Still, shoppers who are deciding between Frankenmuth and another insurer may be swayed by the company's great customer service.

Frankenmuth Insurance coverage

Frankenmuth Insurance provides enough car insurance protection to meet the legal requirements for bodily injury and property damage liability in its markets, along with the personal injury protection (PIP) limits mandated in Michigan.

Unfortunately, there's not a lot of information available on Frankenmuth Insurance's website regarding extra forms of car insurance. Instead, shoppers must contact a local agent to hear about policy offerings in detail. For an extra charge on top of a regular premium, Frankenmuth does offer:

Comprehensive and collision coverage: Protects vehicles from damage that occurs off the road and from accidents that the insured is responsible for. Usually these are coupled, but they are actually two separate policies.

Roadside assistance: Offers support for unexpected emergencies, like dead batteries, flat tires, lost keys, towing and refueling.

Rental car reimbursement: Provides money for a rental car in case the insured vehicle is in a repair shop or unable to function.

Funeral expenses: Reimburses the family of the deceased who dies as the result of a covered accident.

Collector car insurance: Covers street rods and classic and antique cars with protections similar to those afforded by a regular car insurance policy, along with a variety of add-ons.

Sport vehicle insurance: Provides bodily injury and property damage liability coverage to RVs, motorhomes and campers.

Discounts available with Frankenmuth auto insurance

Like getting coverage details for Frankenmuth Mutual, learning about any discount opportunities requires contacting an agent. Fortunately, the insurer's rates are typically low even without discounts. But shoppers who qualify for multiple discounts from other insurers with similar rates may consider another provider.

There are at least a couple of discounts that could save drivers money on a Frankenmuth auto insurance policy. These include savings for:

  • Avoiding at-fault accidents
  • Insuring multiple vehicles
  • Purchasing Frankenmuth life insurance

Frankenmuth Insurance quotes

While car insurance from Frankenmuth isn't the most affordable, the insurer's rates stay low no matter the coverage level or accident history of the insured.

Frankenmuth Insurance markets itself as a cheaper alternative to more expensive, larger providers. Indeed, the cost of Frankenmuth auto insurance is generally lower than average. As Frankenmuth writes most of its auto insurance policies in Michigan, where prices are much more expensive than in other states, the insurer's low rates could save many drivers a considerable amount of money.

Though its prices are affordable, we found Frankenmuth Insurance wasn't the absolute cheapest provider for minimum or full coverage policies. At the same time, though, its rates remain low even for people who have an accident on their record.

Graph showing the cost of Frankenmuth Insurance
Graph showing the cost of Frankenmuth Insurance

Rates shown are for six-month premiums

How much is Frankenmuth auto insurance?

Insurance providerMinimum coverageFull coverageFull coverage with one accident
Auto-Owners$743$1,569$1,837
Frankenmuth$778$1,761$2,283
Progressive$865$1,586$2,303
State Farm$1,454$2,459$2,932
AAA$4,885$6,488$13,235

Rates are ordered by the cost of minimum coverage

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Frankenmuth Insurance reviews

The service from Frankenmuth Insurance has a good reputation. According to the National Association of Insurance Commissioners (NAIC), Frankenmuth Mutual Insurance company receives far fewer complaints than expected — only about 20%.

Additionally, the insurer's mobile app is well regarded by users of the App Store and Google Play. Its users on those platforms gave the app five and four and a half stars, respectively. Finally, Frankenmuth's credit is rated as excellent by A.M. Best, meaning it's highly unlikely the insurer would default on its claims.

MeasurementResult
NAIC Complaint IndexVery few complaints
A.M. Best credit ratingExcellent
Google Play4.5/5 stars
App Store5/5 stars

Frequently asked questions about Frankenmuth Mutual Insurance

How do you pay your bills to Frankenmuth Insurance?

You can pay your bills online, with Frankenmuth's app, by fax machine, by telephone or by mail.

What are Frankenmuth Insurance's subsidiaries?

Frankenmuth's largest subsidiary is Frankenmuth Mutual Insurance company. Its Patriot Insurance company subsidiary operates on the east coast.

Is there Frankenmuth home insurance?

Yes. Residents of Michigan and Ohio can get Frankenmuth home insurance or renters coverage.

Methodology

This study uses minimum and full coverage rates that we sourced from a sample profile. Our quotes also represent a driver with full coverage and one accident. Our sample profile had the characteristics of a 30-year-old male who drove a 2015 Honda Civic EX. We got our rates from Michigan, where Frankenmuth Insurance is among the largest providers.

Andrew Hurst

Andrew Hurst is a Data Writer at ValuePenguin who writes about insurance. His analysis has been featured in Forbes, MSN and USA News, among others. He's also appeared in interviews broadcast by ABC and the CW. He previously taught composition and research at Wright State University.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.