Frankenmuth Auto Insurance Review: Ratings and Quotes (2024)

Frankenmuth Insurance has prided itself on having “frank conversations” with customers since 1866. Despite its auto policies only being available in Michigan and Ohio, customers who choose Frankenmuth enjoy prices similar to the national average, along with high-level service. The company offers diverse coverage options, including add-ons like gap coverage.

Here’s a Frankenmuth Insurance overview, including coverages, discounts, price data, and customer reviews.

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What is Frankenmuth auto insurance?

Based in Frankenmuth, Michigan, Frankenmuth Insurance has been in the insurance business since 1866. While its personal auto insurance is only available in Michigan and Ohio, the company’s commercial lines have a larger national footprint across 15 states. In total, 700 independent insurance agents represent Frankenmuth’s 325,000 active policies.

Frankenmuth’s motto is simple: neighbor helping neighbor. Customers are largely satisfied with their Frankenmuth car insurance, with strong ratings and few customer complaints. The company has won awards for customer service from Insurance Marketing & Communications Association and MichBusiness. The current CEO is Frederick A. Edmond Jr.

Frankenmuth pros and cons

Average cost of Frankenmuth auto insurance

Drivers who choose Frankenmuth pay an average of $157 per month for full coverage and $124 per month for liability-only coverage. These rates are less than the national full-coverage average of $211 per month but more than the liability-only average of $104 per month.

Frankenmuth car insurance coverage

All insurance companies must offer liability car insurance that meets state minimum requirements. In addition to liability insurance for Michigan and Ohio drivers, Frankenmuth Insurance offers these coverages drivers can add to their policy for more protection:

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  Collision coverage

  Collision insurance covers repairs to your own vehicle after it hits a stationary object or another vehicle, regardless of fault.

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  Comprehensive coverage

  Comprehensive insurance covers car repair or replacement for non-collision incidents, such as fire, theft, vandalism, falling objects, and severe weather.

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  Medical payments coverage

  This covers the medical bills and funeral expenses for you and your passengers after an accident.

• 

  Uninsured/underinsured motorist coverage

  If you get in an accident with a driver without any or enough insurance, this insurance covers damages.

• 

  Roadside assistance coverage

  This coverage add-on kicks in if your car needs towing service.

• 

  Loan/lease gap coverage

  If you total a car you leased or financed and the insurance payout doesn’t cover the remaining loan balance, this insurance pays the difference.

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Frankenmuth car insurance cost by state

Car insurance prices vary among states, due to different minimum requirements, local litigation frequency, weather patterns, and different repair costs.^[1]

Drivers in Michigan pay higher rates on average, in part because Michigan recently raised bodily injury liability minimums from $20,000 per person and $40,000 per accident to $50,000 and $100,000, respectively.^[2] Meanwhile, Ohio drivers must carry $25,000 per person and $50,000 per accident in bodily liability.^[3]

Frankenmuth auto insurance rates by driving history

Car insurance rates vary based on your driving record. If you have a history of traffic violations and at-fault accidents, auto insurers will consider you a greater risk for future claims. As a result, car insurance companies will charge you higher rates to offset these risks.

The table below shows the average monthly car insurance quotes from Frankenmuth based on driving history.

Frankenmuth car insurance cost by age

Car insurance companies consider your age when determining rates. Teen drivers tend to get in more accidents, so insurers charge them higher rates.^[4] Meanwhile, rates tend to decrease by the time you hit 35 years old — but can tick back up at 70 years old as physical capabilities decline due to age.^[5]

The table below shows the average monthly quotes for Frankenmuth car insurance policies by age group.

How to get a Frankenmuth car insurance quote from Insurify

Comparing quotes from multiple car insurance companies is the best way to find an affordable deal. Here’s how to get started:

1. Head to Insurify.com. Select “Compare Quotes” at the top of the screen.

2. Answer some questions. Provide Insurify with some details about your background, car model, driving habits, driving record, ZIP code, and demographic information.

3. Receive your quotes. Insurify will present you with multiple quotes, including Frankenmuth, if available. You can then compare this quote to other options in the area and decide whether Frankenmuth is the right choice for your budget and needs.

If you want a quote directly from Frankenmuth, you’ll need to call an independent agent who represents Frankenmuth. The company doesn’t offer direct online quotes.

Frankenmuth car insurance discounts

Frankenmuth Insurance offers the following car insurance discounts to help drivers save on their policies:

• Multiple vehicle discount: Customers who insure multiple cars with Frankenmuth can save. This discount is particularly useful for families with multiple vehicles.

• Advance quote discount: Customers who request a car insurance quote from Frankenmuth a certain time prior to the start of the policy can qualify for a discount.

• Loss history discount: If you submit a loss history that includes very few claims or accidents, you might qualify for a discount with Frankenmuth.

Frankenmuth might not automatically apply discounts to your policy, so reach out to your agent to ask them which discounts you might qualify for.

Frankenmuth insurance bundling options

Frankenmuth Insurance offers multiple insurance products, including:

• Homeowners insurance: This covers damage to your dwelling and personal property in the event of a covered loss.

• Renters insurance: This covers damage or theft of your personal belongings if you’re renting an apartment or house.

• Life insurance: This protects your family financially in the event of your death.

Drivers who want to save on car insurance can take advantage of the following bundling discounts:

• Home and auto bundle: Drivers who purchase homeowners insurance in addition to their car insurance can qualify for a discount. Reach out to your agent to learn how much you’ll save when you qualify for Frankenmuth’s bundling discounts.

• Life and auto bundle: Drivers who purchase one of Frankenmuth’s life insurance policies — which include whole life and term life policies — can qualify for a discount.

Frankenmuth insurance reviews and ratings

As a small regional insurer, Frankenmuth has fewer online reviews than national insurers. While Frankenmuth features positive reviews on its official site, sites like Better Business Bureau and Trustpilot feature more negative reviews. Still, third-party evaluators like AM Best and Moody’s give Frankenmuth strong ratings.

Frankenmuth customer reviews

Frankenmuth has 1 out of 5 stars on the Better Business Bureau website, with most people complaining about issues during the claims process and unexpected rate increases. The review below is critical of Frankenmuth’s customer service and claims process:

In the Apple App Store and Google Play Store, customers praise the way the company’s mobile app allows them to seamlessly pay bills and access account documents. Some customers also praise Frankenmuth’s selection of discounts, like the reviewer below:

Frankenmuth ratings

Insurance industry agency reviews of Frankenmuth are generally positive. The company received high marks from AM Best for financial strength, a perfect score from the Better Business Bureau, and a lower-than-average number of complaints according to the NAIC.

• AM Best: A (Excellent)

• Better Business Bureau: A+

• Google Play Store: 4.3 out of 5

• Apple App Store: 4.9 out of 5

• NAIC Complaint Index: 0.66

Frankenmuth vs. other insurance companies

The car insurance market is highly saturated, and consumers have plenty of choices. Frankenmuth is a good option for Michigan and Ohio drivers who want a regional, “neighborly” feel in their car insurance company. But here’s how Frankenmuth stacks up against other car insurance companies in the region.

Frankenmuth vs. Auto-Owners

Auto-Owners is a Michigan-based insurer that offers car, home, and life insurance policies to more than 3 million policyholders across 26 states. Auto-Owners has a larger national footprint than Frankenmuth and an A++ rating from AM Best, which beats Frankenmuth — though customers shouldn’t worry about either company’s ability to pay claims. Auto-Owners customers pay an average of $35 per month for liability coverage and $76 per month for full coverage.

Customers looking for more discounts should choose Auto-Owners. For instance, students should consider Auto-Owners for its good student discount, student away at school discount, and teen safe driving telematics program.

Frankenmuth vs. Erie

Erie serves more than 6 million policyholders in 12 states with auto, home, business, and life insurance. Erie earned the highest J.D. Power customer satisfaction rating of any car insurance company in the North Central region, scoring 844 on a 1,000-point scale.

Erie Rate Lock is a popular program that locks in customers’ rates unless they add or remove a vehicle from their policy or change their address. Erie offers more discounts than Frankenmuth, including a safety features discount and a reduced usage discount.

Drivers looking for the lowest rates should choose Erie, which has an average full-coverage insurance rate of $93 per month and an average liability-only insurance rate of $50 per month — less than Frankenmuth’s average rates.

Frankenmuth vs. Nationwide

Nationwide is one of the largest car insurance companies in the country, serving most states. Nationwide’s J.D. Power customer satisfaction score is in line with the average for large insurers, at 861 on a 1,000-point scale. The company has an A+ from AM Best, indicating excellent financial strength.

Nationwide drivers pay an average of $65 per month for liability-only insurance and $123 per month for full-coverage insurance. Drivers with used vehicles who can get by with only liability insurance should consider Nationwide, given its cheaper rates.

Drivers looking for a telematics program should also choose Nationwide. The company’s SmartRide telematics program can earn you up to 25% in discounts for safe driving, including an automatic 10% off when you sign up.

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How to file an auto insurance claim with Frankenmuth

A claim is a formal request by a policyholder for payment after a covered loss. Common covered losses include car accidents and theft. You can then use your claim settlement to cover the costs of repairs and medical bills. Frankenmuth gives you a few ways to file a claim:

1. You can call Frankenmuth Insurance’s 24/7 claims line at 1 (800) 234-4433. Describe the incident to your agent, who will outline the next steps in the claims process.

2. You can also file your claim on the Frankenmuth Insurance website. You’ll have to log into your policyholder services account, fill out a short form, and upload any necessary photos of your incident.

3. You can also fax information about your claim to 1 (989) 652-6231.

Frankenmuth states that it strives for a fast, fair claims process. The company recommends contacting your agent directly, as they’re the most familiar with your policy.

Frankenmuth insurance FAQs