Is Frankenmuth Good for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 15, 2026 How we fact-check

Frankenmuth is a Michigan-based regional insurer best known for selling auto insurance through independent agents. It can be a strong option if you prefer working with a local agent and want solid financial strength—just know you won’t get a typical “instant online quote” experience.

Frankenmuth continues to sell personal auto insurance through independent agents across Michigan and Ohio. Frankenmuth’s own list of states also shows personal auto in Maine, New Hampshire and Vermont, and its group of insurers includes Patriot Insurance.

Our Rating of Frankenmuth

Frankenmuth is a Michigan-based regional insurer that sells auto insurance through independent agents and prioritizes an agent-guided service model over instant online quoting.

3.6

out of 5

★★★☆★☆

Checked October 14, 2026 · How we score insurers

Customer satisfaction: we couldn’t confirm a 2026 J.D. Power rating for Frankenmuth, so it gets an average score for this part.

Independent-agent service A.M. Best A (Excellent) Specialty vehicle options Low complaint ratio

Summary

Bottom line: Frankenmuth is a strong fit for drivers who want a local independent agent and tailored coverage, but it’s less convenient for shoppers who want instant online quotes.

Frankenmuth is a Michigan-based regional carrier that sells personal auto insurance through independent agents in Michigan, Ohio, Maine, New Hampshire and Vermont. It offers standard personal auto coverages with the ability to tailor limits, deductibles, and add-ons through an agent, plus options for specialty vehicles such as collector cars and RVs. The tradeoff is that Frankenmuth does not offer a standard public online quote form, so shopping typically requires working directly with an agent, even though claims can be reported 24/7 through multiple methods.

Best for

Drivers who prefer buying and servicing coverage through an independent agent
Households planning to bundle home and auto with agent guidance
Owners of specialty vehicles like collector cars or RVs

Not ideal for

Shoppers who want an instant online quote without talking to an agent
People who prefer a fully self-serve, direct-to-consumer experience
Drivers outside Maine, Michigan, New Hampshire, Ohio and Vermont, the five states where Frankenmuth sells personal auto

Table Of Contents

Our Rating of Frankenmuth
About Frankenmuth Insurance
Frankenmuth Insurance Products & Services
Frankenmuth Auto Insurance Coverage Options
Frankenmuth Auto Insurance Discounts
Frankenmuth Auto Insurance Reviews and Company Ratings
How to Get a Quote and File a Claim
Final Word: Frankenmuth Auto Insurance Review
FAQs on Frankenmuth Auto Insurance
Sources

About Frankenmuth Insurance

Frankenmuth Auto Insurance: At a Glance	What to Know
Best for	Drivers who want a long-term relationship with an independent agent (especially for bundling home/auto).
Not ideal for	Shoppers who want an instant online quote without speaking to an agent.
How quotes work	Sold through independent agents; Frankenmuth does not use a standard public online quote form.
Coverage style	Standard personal auto coverages plus options for specialty vehicles (collector, RV, etc.).
Company profile	Founded in 1868; headquartered in Frankenmuth, Michigan.

Frankenmuth Insurance is headquartered in Frankenmuth, Michigan and traces its roots back to 1868. Today, it sells through more than 800 independent agencies in 16 states, with personal auto offered in five of them—meaning you usually buy and service your policy through an agent instead of a call center.

That agent-first approach is intentional. Frankenmuth emphasizes personalized advice and coverage tailoring, which can be especially valuable in states with more complex insurance rules and coverage choices.

Frankenmuth Insurance Products & Services

Frankenmuth writes several major lines of insurance. Availability can vary by state, and some products may be offered through affiliated companies depending on where you live.

Product Line	What It Typically Includes
Business Insurance	Businessowners policies, commercial package policies, workers’ compensation, umbrella, and specialty coverages (including commercial auto, cyber/data, crime, and other niche needs).
Home Insurance	Homeowners, renters, condo, landlord/rental property, dwellings under construction, and umbrella options (product names and packages vary by state).
Life Insurance	Frankenmuth says it is no longer issuing new life insurance policies through Patriot Life Insurance Company. It still services existing policies and handles their claims.
Auto & Specialty Vehicles	Personal auto plus specialty vehicle options (collector vehicles, RVs, and more).

Frankenmuth Auto Insurance Coverage Options

Most drivers shopping Frankenmuth are looking for either liability-only coverage or full coverage. Like most carriers, Frankenmuth offers the core building blocks and then allows your agent to tailor limits, deductibles, and add-ons.

Coverage	What It Helps Pay For	When It Matters Most
Liability	Injury and damage you cause to others, typically including bodily injury liability and property damage liability.	Required in almost every state (New Hampshire generally doesn’t require it); higher limits can protect assets if you’re at fault in a serious crash.
Collision	Repairs to your vehicle after a crash (subject to your deductible). Learn more about collision coverage.	Often required by lenders/lessors; important for newer or higher-value vehicles.
Comprehensive	Theft, vandalism, weather, animal strikes, and other non-collision losses. Learn more about comprehensive coverage.	Commonly paired with collision for “full coverage,” especially if your car would be costly to replace.
Towing	Frankenmuth lists towing coverage on its personal auto page. Ask your agent what it pays for and the limit per tow. See how towing coverage works and how it differs from roadside assistance.	Useful if you drive older vehicles, commute long distances, or want predictable out-of-pocket costs for minor incidents.
Specialty Vehicles	Coverage designed for usage patterns and values that don’t fit standard auto policies, including classic and collector vehicles, RVs, and certain off-road vehicles like ATVs. Frankenmuth offers its off-road sport vehicle coverage to Michigan and Ohio residents.	Important if you own vehicles with seasonal use, stored value, or unique risk (and want coverage that reflects that).
Additional Protections	Depending on state and policy form, options may include rental reimbursement (see rental car coverage), medical-related benefits (see how auto insurance can pay medical bills), and other benefits such as funeral expenses, work loss benefits, and certain accidental death provisions.	These options can matter most when a claim disrupts transportation, income, or household finances—your agent can explain what’s available in your state.

Quick tip: In Michigan, coverage choices can affect both your protection and your premium more than in many other states. If your bill feels unusually high, review your limits and required coverages with your agent and compare against other options (here’s why car insurance can be so expensive in Michigan).

If you’re unsure what’s “standard” versus optional, start with the basics and build from there—this guide to standard auto insurance coverage can help you sanity-check your policy structure before you start fine-tuning limits.

Frankenmuth Auto Insurance Discounts

Discount availability varies by state, vehicle, and underwriting profile, and many discounts require documentation (or are applied only when your agent codes the policy correctly). Here are some of the most common categories you may hear about:

Discount Type	How It Usually Works
Bundling	Insuring multiple lines (like home + auto) can lower premiums. See how bundling policies typically saves money.
Multi-vehicle	Insuring more than one vehicle on the same policy often reduces the per-vehicle rate (learn more about multi-car discounts).
Loss history / clean record	Frankenmuth lists a loss history discount. Drivers with fewer incidents generally pay less; underwriting weighs tickets, claims history, and violations (see what insurers consider a clean driving record).
Payment plan	Frankenmuth lists a payment plan discount but doesn’t say on its site which plan qualifies, so ask your agent (here’s whether it’s better to pay in full or monthly).
Advance quote	Frankenmuth lists an advance quote discount; ask your agent what it takes to qualify. Frankenmuth doesn’t list a vehicle safety or anti-theft discount for personal auto, though some insurers offer one (see how safety feature discounts work).

Before you compare prices, check whether you have too much coverage or the wrong mix. Rate shopping still matters, especially if you’re in a market where pricing is volatile. For example, drivers often ask why Ohio auto insurance is expensive; the short answer is that insurers react to claims severity, repair costs, and local risk trends, which can move quickly.

Frankenmuth Auto Insurance Reviews and Company Ratings

Customer feedback for insurance companies is usually mixed online—most people post reviews when something goes wrong, which can skew ratings downward. The more useful approach is to evaluate service model (agent vs. direct), claims access, and financial strength.

As of October 2026, the Better Business Bureau rates Frankenmuth’s Michigan headquarters A+, and it has been BBB-accredited since May 4, 2018. You can view the company profile through the BBB.

For financial stability, Frankenmuth is rated by A.M. Best (a major insurance-focused rating agency). A.M. Best’s disclosure for Frankenmuth Insurance Company shows a Financial Strength Rating of A (Excellent) with a stable outlook, effective June 17, 2026; A is the third-highest grade on AM Best’s scale, and the company’s Long-Term Issuer Credit Rating is a+ (view the A.M. Best disclosure PDF).

You may not see Frankenmuth listed in every national carrier ranking because many studies focus on the largest insurers by market share. If you’re comparing customer satisfaction research, it helps to understand how J.D. Power auto insurance rankings work and whether a specific study includes the insurer you’re shopping.

If you want to verify a carrier when shopping, the NAIC company code can be useful for research and complaint lookups. Frankenmuth’s NAIC number is 13986 (learn more about A.M. Best ratings and how financial strength grades are used in the industry).

Using NAIC complaint data for 2023 through 2025, we calculate a complaint index of 0.31 for Frankenmuth Insurance Company, the company that writes Frankenmuth auto policies, based on 9 confirmed complaints. An index of 1.00 is what a company of that size would be expected to draw.

How to Get a Quote and File a Claim

Getting a quote: Frankenmuth sells insurance through independent agents and does not offer a standard public online quote form. The typical process is to find a local agent, review coverage needs, and have the agent request pricing for you (Frankenmuth explains its process here: How to Get a Quote).

Filing a claim: Frankenmuth takes claims 24 hours a day, 365 days a year, by phone at 800-234-4433, by fax at 989-652-6231, through your agent, or online (see: How to Report a Claim).

Final Word: Frankenmuth Auto Insurance Review

Frankenmuth can be a smart choice for drivers who value an independent-agent experience and want coverage that’s tailored—not templated. You’ll generally get the most value when you use your agent to compare coverage structures, choose practical limits, and apply every discount you qualify for.

If you prefer a fully self-serve experience with instant online quotes, Frankenmuth’s agent-only approach may feel less convenient. But for many households—especially those bundling home and auto—the tradeoff can be worth it.

Frankenmuth Contact Info
Address	1 Mutual Avenue Frankenmuth, MI 48787
Phone Number	989-652-6121 (toll-free 800-234-1133); claims 800-234-4433, 24/7
Hours	Mon–Fri: 8:00am – 5:30pm (ET)
Website	https://www.fmins.com/

My advice is to ask a Frankenmuth agent to quote the same limits and deductibles you carry now and to show you which of Frankenmuth’s five listed discounts made it onto the quote. Independent agents can usually quote other carriers too, so ask for two or three of those prices on the same page.

FAQs on Frankenmuth Auto Insurance

Can I get a Frankenmuth auto insurance quote online?

Typically, no. Frankenmuth is sold through independent agents and does not use a standard public online quote form. The usual process is to contact a local agent who can collect your details and request pricing.

Is Frankenmuth only available in Michigan and Ohio?

No. Frankenmuth’s own list of states shows personal auto insurance in Michigan, Ohio, Maine, New Hampshire and Vermont, and business insurance in 16 states. Products vary by state, so check with a local independent agent.

What coverages should I consider beyond state minimum liability?

Most drivers should at least evaluate higher liability limits and, if the vehicle is financed or valuable, collision and comprehensive. Add-ons like towing, rental reimbursement, and enhanced medical benefits may also be worth considering based on your budget and risk.

Does Frankenmuth offer discounts for bundling and multiple cars?

Yes. Frankenmuth lists a multi-policy home discount and a multiple vehicle discount for personal auto, along with advance quote, payment plan and loss history discounts. Exact eligibility rules vary by state and policy, so ask your agent to list every discount applied to your quote.

How do I file a claim with Frankenmuth?

You can report a claim through your agent, by phone at 800-234-4433, by fax, or online. Frankenmuth says claims can be reported 24 hours a day, 365 days a year.

What is Frankenmuth’s NAIC number?

Frankenmuth Insurance Company’s NAIC number is 13986. This identifier can help when researching filings, complaints, or insurer details across official databases.

Is Frankenmuth a good fit if I want everything self-serve?

It depends on what “self-serve” means for you. Frankenmuth offers online account tools for policyholders, but the shopping experience is typically agent-led. If instant online quoting is a must-have, an online-direct insurer may be a better match.

Sources

Checked October 15, 2026

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