Updated: May 14, 2026
Advertising & Editorial Disclosure
Frankenmuth ranks 19th for full coverage affordability ($141 a month) and 13th for minimum coverage ($51 a month).
Frankenmuth earns 11th place nationwide for customer satisfaction, with good agent service and positive forum reviews.
Frankenmuth takes 11th place for coverage options and includes roadside assistance with lockout service and accident forgiveness.
Frankenmuth operates in the Northeast and Michigan. It ranks 16th nationally, a mid-tier placement among the best car insurance companies. Coverage options and customer experience are both strong points, though affordability lags.
These ratings reflect 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 | 4.45 | 11 |
| Coverage | 2.5 | 11 |
| Affordability | 3.81 | 15 |
The insurer ranks 16th for affordability, which means it costs more than most competitors across all driver categories. It scores 11th for both customer experience and coverage, but rates run 14% to 90% above local averages. Cost-conscious drivers should compare multiple quotes before committing.
| Overall Score | 3.58 | 15 |
Premiums vary based on your profile, from $51 to $5,978 a year. We've broken down national vehicle insurance costs by age group, gender, coverage type, credit score and driving record so you can see where your profile falls.
| $332 | $3,978 | 78% | 16 |
Frankenmuth costs more than most competitors across all major driver categories, including young drivers, seniors and those with accidents or violations.
| 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 |
*All profiles are 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.
The insurer offers nine car insurance discounts. Savings vary by driving profile, program participation and location.
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 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.
Frankenmuth customers mostly report positive buying experiences and praise personalized service through independent agents. Customers describe agents as providing "guidance, expertise and the personalized attention you deserve."
Many customers cite competitive pricing. One reviewer said 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 have "complete access to your policy documents online and in our mobile app at all times," without digging 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.
Satisfied customers praise the service. One said it was "by far the best claim adjuster experience I've ever had," with claims resolved within days. Positive reviews highlight "fast, fair claims service" and agents who “responded quickly, understood what we were facing.”
Others report communication breakdowns. Some said they "have not heard back from anyone" for weeks, reaching only voicemail when they called. BBB complaints cite unresponsive adjusters. One customer called 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.
AM Best Financial Strength | A (Excellent) | A++ to D- | Can 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 | Far fewer complaints than expected |
Reddit users and forum members report mixed experiences with Frankenmuth's pricing, claims handling and customer service. Many praise the company's competitive initial rates and regional approach, but complaints about unexplained rate increases, poor claims communication and slow customer service responses come up regularly.
Common complaints include steep rate increases without explanation, difficulty reaching claims adjusters and poor communication during claims processing, including workers' compensation disputes. Satisfied customers, though, say pricing beats major insurers and that claims go smoothly when no disputes arise.
Initial pricing draws customers in, but many report steep rate increases that push them away over time:
"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 gets mixed reviews. Many customers report communication problems 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 is inconsistent. Many customers say they can't get responses and feel 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."
The mobile app gets both praise and sharp criticism:
"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."
Trust is a recurring issue, especially 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."
Coverage experiences range from policy cancellations to long-term satisfaction:
"My insurance provider signed us up with Frankenmuth 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 turnaround on paying claims is very quick."
Forums skew negative and don't give a full picture of 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 coverage. The company also offers these add-ons:
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, homeowners, renters, condominium, personal umbrella, collector car, recreational vehicle, boat and yacht, manufactured home, business |
Third-Party Partner | Personal auto, homeowners, personal umbrella (available in Maine, New Hampshire, Vermont through Patriot Insurance Company subsidiary) |
Frankenmuth scores 11th for customer experience and coverage options and ranks 16th nationally. But it ranks 15th for affordability, below the midpoint. Compare quotes and review coverage options before buying.
Yes, Frankenmuth is a legitimate car insurance company that ranks 16th in MoneyGeek's car insurance provider rankings. It scores well for coverage options and customer experience.
Frankenmuth doesn't rank first in any state or territory in MoneyGeek's analysis.
It charges adults an average of $615 a year for state minimum coverage and $1,690 for full coverage. Annual premiums range from $613 to $22,715 for minimum coverage and $1,688 to $49,627 for full coverage.
Frankenmuth draws fewer complaints about systematic denials than larger insurers. Disputes come up with every carrier, but customer reviews show the company processes claims without excessive delays or technical rejections.
It ranks 19th for drivers with a DUI and 16th for those with bad credit — both near the bottom for affordability in these categories.
Yes, Frankenmuth raises car insurance rates over time. Like other insurers, it increases premiums because inflation raises repair and medical costs, distracted driving pushes claim rates up, and vehicle parts and technology have gotten more expensive.
No, it isn't a great choice for young drivers. It ranks 15th for affordability in this category, with rates above the local average.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Our Standard Driver Profile
Our rate comparisons use a baseline driver profile with these characteristics:
We then adjusted variables including age, driving record, credit score and military status to find which insurers offer the best rates for different driver types. Our minimum coverage rates are for policies that meet state 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 factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
