Updated: October 9, 2025
Advertising & Editorial Disclosure
Frankenmuth ranks 19th for full coverage affordability and 13th for minimum liability coverage with average rates of $141 and $51 monthly, respectively.
Frankenmuth earns 11th place nationwide for overall customer satisfaction, having strong agent service and positive forum reviews.
Frankenmuth takes 11th place for coverage options, offering unique features like roadside assistance with lockout service and accident forgiveness programs.
Frankenmuth operates in the Northeast and Michigan. It ranks 16th overall nationally, placing it as a moderately strong choice among best car insurance companies. It has good coverage options and customer experience, offering solid protection with responsive service.
This only represents a 40-year-old male driver with good credit and no driving violations, and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 3.87 | 16 |
| Customer Experience | 4.46 | 11 |
| Coverage | 2.50 | 11 |
| Affordability | 3.81 | 15 |
The insurer ranks 16th overall for affordability, making it more expensive than most competitors across all driver categories. While it offers solid customer experience (11th place) and coverage (11th place), cost-conscious drivers should compare multiple quotes, as rates run 14-90% above local averages depending on your profile.
| Overall Score | 3.59 | 15 |
The premiums vary based on your profile, ranging from $51 to $5,978 annually. To help you understand where you'll likely fall in this range, we've analyzed national vehicle insurance costs by age group, gender, coverage type, credit score and driving record.
| $332 | $3,978 | 78% | 16 |
This company ranks as much more expensive across all major driver categories, including young drivers, seniors and those with accidents or violations. Below, you can review how affordable the company is for your specific driving category.
| Adult Drivers | $43 | $119 | 14% | 15 |
| Drivers With a DUI | $193 | $482 | 90% | 19 |
| Drivers With an Accident | $54 | $144 | 7% | 12 |
| Drivers With a Speeding Ticket | $55 | $152 | 17% | 14 |
| Drivers With Bad Credit | $151 | $340 | 74% | 16 |
| Drivers With Low Income | $87 | $198 | 60% | 16 |
| Drivers With Newer Cars | $76 | $211 | 48% | 19 |
| Drivers With Old Cars | $38 | $104 | 14% | 14 |
| Senior Drivers | $49 | $129 | 11% | 13 |
| Young Drivers | $98 | $260 | 17% | 15 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
It offers nine car insurance discounts, with average savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy Home | Variable | Bundle auto insurance with homeowners policy | Available in coverage states |
Multi-Policy Life | Variable | Bundle auto insurance with life insurance policy | Available in coverage states |
Multiple Vehicle | Variable | Insure multiple vehicles with Frankenmuth | Available in coverage states |
Advance Quote | Variable | Request quote certain time prior to policy start | Available in coverage states |
Payment Plan | Variable | Select qualifying payment plan options | Available in coverage states |
Loss History | Variable | Clean driving record with very few claims or accidents | Available in coverage states |
Good Student | Variable | Students with good grades/high GPA | Available in coverage states |
Safe Driving | Variable | Maintain clean driving record with no violations | Available in coverage states |
Safety Features | Variable | Vehicles with anti-lock brakes, airbags, anti-theft devices | Available in coverage states |
This insurer earned 11th place for customer experience in MoneyGeek's comprehensive customer satisfaction study. Customer reviews highlight the company's strong agent service and reliable digital tools, though claims processing generates more complaints than other areas. We break down the buying, policy management and claims process experiences based on our research.
Customer experiences with Frankenmuth's buying process are generally positive, with many customers appreciating the personalized service through independent agents. Customers describe agents as providing "guidance, expertise and the personalized attention you deserve."
Many customers report satisfaction with competitive pricing, with one noting Frankenmuth "beat other big name insurance companies pricing hands down."
Frankenmuth provides customers with online access to policy information and a mobile app for managing their insurance needs. Customers can "complete access to your policy documents online and in our mobile app at all times," eliminating the need to search through physical paperwork.
The online portal lets customers view policies, make payments and access important documents. But customers primarily work through independent agents for policy changes and detailed account management.
Customer experiences with claims differ. Satisfied customers praise the service, with one stating it was "by far the best claim adjuster experience I've ever had" and noting rapid response times with claims resolved within days. Positive reviews highlight "fast, fair claims service" and agents who “responded quickly, understood what we were facing”.
Customers report communication breakdowns, with some stating they "have not heard back from anyone" for weeks after accidents, getting only voicemails when calling. BBB complaints include issues with unresponsive adjusters, with one customer calling their adjuster "the most inept person I have ever tried to work with."
Frankenmuth ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Frankenmuth's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a+ | aaa to d | High credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Rating not publicly available |
Moody's Financial Strength | Not Available | Aaa to C | Rating not publicly available |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Score not publicly available |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Score not publicly available |
NAIC Auto Complaints | Low | 1.00 is average | Significantly fewer complaints than expected |
Reddit users and forum members have mixed experiences with Frankenmuth's pricing, claims handling, and customer service. While many appreciate the company's competitive initial rates and regional approach, significant concerns emerge around rate increases, poor claims communication and inadequate customer service responsiveness.
Common complaints include substantial rate increases without explanation, difficulty reaching claims adjusters, poor communication during claims processing and workers compensation claim disputes. However, satisfied customers praise competitive pricing compared to major insurers and smooth claims experiences when everything works as intended.
Here's what real customers are saying about their experiences on forums:
Initial pricing often attracts customers, but dramatic rate increases over time create significant dissatisfaction among long-term policyholders:
"More than doubled my auto policy for the next term, took me off auto pay and then told me I owed them for months!"
"I've been with Frankenmuth for some time now and am pleased with the service and pricing. I have had claims with them that went smoothly and painlessly. Beat other big-name insurance companies' pricing hands down."
Claims processing experiences vary, with many customers reporting significant communication issues and delays:
"Recently filed a claim for a commercial auto accident that was not our fault. The assigned claims adjuster is the most inept person I have ever tried to work with. Ten days after the accident, there was still only one email. Never a call."
"I filed a claim, and Frankenmuth treated me like I was lying and was a criminal. I made statements to 2 different investigators, recorded, then they wanted me to go make another statement to their lawyer under oath."
Customer service quality is inconsistent, with many customers reporting difficulty getting responses and feeling ignored:
"I've been in contact with this company for five months now. When I call, they never know who I am. They don't know the case numbers or any other information about my case."
Digital experiences differ, with the mobile app receiving both praise and severe criticism from customers:
"This app is basically useless. As you can see, it hasn't been updated in nearly a year! I emailed the developers but have never heard back. I emailed frankenmuth insurance directly and they told me they are having technical difficulties and to clear the cache, still nothing."
Customer trust varies, with particular issues around workers' compensation claims and perceived unfair treatment:
"Your company would probably have better ratings if you genuinely cared about your customers and did what you were supposed to do to take care of the medical and financial needs when someone gets hurt at work."
"I will not hesitate to recommend Frankenmuth to friends, family, and colleagues."
Customers appreciate competitive coverage options but report issues with claim denials and policy cancellations:
"My insurance provider signed us up with Frankenmuth Insurance in June for our two condos and four cars. The total one-year premium was $2800.00. We received the policies. Then, we received a letter in July stating they were dropping us on July 9th for being domestic partners for 38 years."
"We have had this insurance carrier for 20 years. They have covered every claim without question; their turn around on paying claims is very quick."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Frankenmuth provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Gap Coverage | Covers the difference between your vehicle's actual cash value and the remaining loan or lease balance if your car is totaled | Protection against loan/lease shortfall; available as add-on coverage |
Towing and Labor Coverage | Provides reimbursement for towing services and roadside labor costs when your vehicle breaks down or needs assistance | 24/7 roadside assistance; towing and emergency services |
Rental Car Reimbursement | Covers the cost of a rental vehicle while your car is being repaired after a covered accident or theft | Transportation continuity; daily limit reimbursement |
Work Loss Benefits | Provides compensation for lost wages if you're unable to work due to injuries sustained in a covered auto accident | Income replacement protection; injury-related coverage |
Funeral Expense Coverage | Covers funeral and burial expenses for injuries resulting in death from a covered auto accident | Final expense protection; supplemental death benefit |
Accidental Death and Injury Coverage | Provides benefits for accidental death or serious injury to others caused by your vehicle | Additional liability protection; enhanced injury coverage |
Company Car Personal Use Coverage | Extends coverage when you use your company vehicle for personal activities outside of business use | Personal use protection; company car coverage extension |
You can bundle several insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
Frankenmuth (Directly Offered) | Personal auto insurance, homeowners insurance, renters insurance, condominium insurance, personal umbrella insurance, collector car insurance, recreational vehicle insurance, boat and yacht insurance, manufactured home insurance, business insurance |
Third-Party Partner | Personal auto insurance, homeowners insurance, personal umbrella insurance (available in Maine, New Hampshire, Vermont through Patriot Insurance Company subsidiary) |
Frankenmuth delivers a solid customer experience (11th place) and coverage options (11th place), earning 16th place overall. However, it ranks below average for affordability (15th place). You should compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Frankenmuth car insurance:
Yes, this insurer is a legitimate car insurance company that secured 16th place in our comprehensive car insurance provider rankings. The insurer particularly excels in coverage and customer experience categories.
Based on our analysis, it does not rank first in any state or territory.
It charges adults an average of $615 annually for state minimum coverage and $1,690 for full coverage. Annual premiums range from $613 to $22,715 for minimum and $1,688 to $49,627 for full coverage.
Frankenmuth generally maintains a solid reputation for claims handling, with fewer customer complaints about systematic denials compared to larger insurers. While isolated disputes occur with any carrier, available reviews suggest Frankenmuth processes most legitimate claims fairly without excessive delay tactics or technical denials that plague some competitors.
It isn't ideal for most high-risk drivers. It ranks 19th overall for drivers with a DUI and 16th for those with bad credit, making it expensive for these groups.
Yes, Frankenmuth raises car insurance rates over time. Like other insurers, it increases premiums due to inflation driving up repair and medical expenses, higher claim frequencies from distracted driving and severe weather events, plus costlier vehicle parts and advanced technology.
No, it isn't a great choice for young drivers, ranking 15th for overall affordability with rates higher than average.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
