Frankenmuth

Editor's Rating

Frankenmuth Mutual Insurance offers auto and home insurance in Michigan and Ohio, along with a number of other insurance products. In addition, people living in Maine, New Hampshire and Vermont can purchase policies through its subsidiary, Patriot Insurance.

Homeowners who don't need a lot of dwelling coverage will find excellent rates from Frankenmuth. While car insurance rates are just average, shoppers who are deciding between Frankenmuth and another insurer may be swayed by the company's great customer service.

Good for
  • Highly rated customer service
  • Inexpensive homes
  • Customizable home insurance
Bad for
  • Comparing quotes online
  • Cheap car insurance
  • Customizable car insurance

Frankenmuth Insurance: Our thoughts

Auto insurance takeaway: Frankenmuth has average auto insurance rates, and the insurer doesn't offer many discounts to help drivers save money.

Home insurance takeaway: Homeowners with inexpensive homes should take advantage of Frankenmuth's excellent rates. The company offers a number of useful add-ons to owners of high-value homes, but rates to cover them are expensive.

Policyholders tend to be happy with the service provided by Frankenmuth — the company received fewer complaints than other insurers of a similar size, according to the National Association of Insurance Commissioners (NAIC).

However, the company doesn't offer online quotes, which means you will have to call an agent to compare Frankenmuth's prices.

Frankenmuth Insurance is only available in a few states.

The company sells insurance directly in Michigan and Ohio, while people living in Maine, New Hampshire and Vermont can purchase policies through its subsidiary, Patriot Insurance.


Frankenmuth auto insurance


Frankenmuth auto insurance quotes

Though its prices are affordable, Frankenmuth Insurance isn't the absolute cheapest provider for minimum- or full-coverage policies.

A minimum-coverage policy from Frankenmuth costs $1,048 per year, on average. Although that's 4% cheaper than average, it's $380 per year more expensive than the most affordable insurer we found, Geico.

Graph comparing Frankenmuth auto insurance quotes with competitors

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Drivers shopping for full-coverage insurance can also find cheaper coverage elsewhere. A policy from Frankenmuth costs $1,652 per year, which is $490 more expensive than the same coverage from Geico.

Company
Minimum coverage
Full coverage
Accident*
Geico$668$1,162$3,016
Progressive$994$1,652$2,262
Frankenmuth$1,048$2,520$2,520
State Farm$1,667$2,771$3,287

*Accident rates are based on a full coverage policy

Frankenmuth car insurance discounts

Frankenmuth only offers a few discounts to help make its auto insurance rates more affordable.

Drivers can save money by:

  • Purchasing a home or life insurance policy with Frankenmuth
  • Insuring multiple vehicles
  • Getting a quote prior to their current policy expiration date
  • Signing up for automatic payments

Frankenmuth also offers a good driver discount for people who don't have past claims on their driving records.


Frankenmuth auto insurance coverage

Frankenmuth car insurance provides basic protections like bodily injury and property damage liability, along with personal injury protection (PIP) in Michigan.

In addition, drivers can customize their policies with the following coverage ads-ons:


Frankenmuth home insurance


Frankenmuth homeowners insurance quotes

Frankenmuth offers cheap quotes for homeowners with inexpensive homes.

A policy from Frankenmuth with $150,000 of dwelling coverage costs 614 per year — the cheapest we found and 16% less expensive than average.

When we raised the dwelling coverage level to $350,000, a policy from Frankenmuth was still competitively priced at $1,107 per year. However, homeowners could save $46 per year by choosing Allstate, instead.

Graph comparing Frankenmuth home insurance rates versus competitors

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Owners of high-value homes will find expensive rates from Frankenmuth — a policy with $550,000 of dwelling coverage costs 10% more than average.

Home insurance quotes by dwelling coverage amount

Company
$150,000
$350,000
$550,000
Frankenmuth$614$1,107$2,093
Allstate$654$1,061$1,505
Progressive$823$1,351$2,016
State Farm$850$1,423$2,030

Frankenmuth home insurance discounts

Frankenmuth offers homeowners a limited number of discounts to help lower home insurance costs.

Homeowners can earn discounts by:

  • Purchasing an auto or life insurance policy from Frankenmuth
  • Signing up for automatic payments
  • Getting a quote before their policy renewal date
  • Installing protective devices, like an alarm system

Additionally, homeowners can save money if they don't have any prior claims history.


Frankenmuth home insurance coverages

Frankenmuth offers two basic home insurance packages — Home Protector and Ultra Home Guardian. Both options include basic home insurance coverages, like dwelling and personal property coverage, liability protection and additional living expenses.

The difference between the two packages is that Ultra Home Guardian gives homeowners access to more optional coverages they can use to customize their policy.

Coverage
Home Protector
Ultra Home Guardian
Personal property replacement cost
Limited guaranteed dwelling replacement cost
Ordinance or law building requirements
Secondary home or seasonal residence liability
Backup of sewers or drains
Scheduled personal property
Identity theft protection
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Frankenmuth states that the Ultra Home Guardian plan is best suited for owners of homes worth $300,000 or more. However, Frankenmuth's rates become less competitive as you add on more dwelling coverage, so the homeowners who would find these coverage benefits most useful will have to pay high rates, even before adding on extra coverages.

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Frankenmuth Insurance reviews

Frankenmuth Insurance has a reputation for providing good customer service.

Measurement
Result
NAIC complaint index 0.40
AM Best credit ratingA

According to the NAIC, Frankenmuth Mutual Insurance company receives far fewer complaints than expected based on its size. That means policyholders are generally happy with their experience at Frankenmuth.

Additionally, Frankenmuth received an A, or excellent, financial strength rating from AM Best, meaning it's highly unlikely the insurer would default on its claims.


Frequently asked questions

How can I contact Frankenmuth Insurance?

For general inquiries, you can call Frankenmuth at (800) 234-1133. To make a claim, policyholders can call their agent directly, call the Frankenmuth claims line at (800) 234-4433, or log in to their online portal.

Where is Frankenmuth Insurance available?

Frankenmuth sells home and auto insurance in Michigan and Ohio. In addition, coverage is available in Maine, New Hampshire and Vermont through its subsidiary, Patriot Insurance.

Does Frankenmuth sell renters insurance?

Yes, renters can purchase insurance through Frankenmuth. In addition, the company sells condo, life, boat, RV and business insurance.

Methodology

To compare the cost of Frankenmuth's auto insurance rates, we compiled quotes for a 30-year-old male living in Michigan who drives a 2015 Honda Civic EX and has a clean driving record, except where noted. Rates are based on the following coverage levels:

Coverage
Minimum coverage
Full coverage
Bodily injury liability$50,000/$100,000$50,000/$100,000
Property damage liability$10,000$25,000
Personal injury protection$250,000$250,000
Property protection insurance$1 million$1 million
Uninsured/underinsured motorist bodily injuryWaived$50,000/$100,000
Comprehensive deductibleWaived$500
Collision deductibleWaived$500

For homeowners insurance, we collected quotes for $150,000, $350,000 and $550,000 of dwelling coverage. Our sample policyholder is a married man who lives in a house in Michigan built in 1977. He has been claims-free for five years and has an average credit score. Rates are based on $100,000 of liability insurance, $5,000 of medical payments coverage and a $1,000 deductible.

Quotes are based on insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may differ.

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.