Is Frankenmuth Good for Auto Insurance?
Last Updated on January 7, 2026
Frankenmuth is a Michigan-based, super-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 (and in select New England states through its broader group and affiliate companies, including Patriot Insurance).
Our Rating of Frankenmuth
4.3
out of 5
★★★★☆
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 super-regional carrier that sells personal auto insurance primarily through independent agents, with ongoing availability across Michigan and Ohio and select New England states through its broader group and affiliates. 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 Frankenmuth’s core footprint where availability may be limited
- 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
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 operates as a super-regional carrier that works primarily through independent agencies—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 | Term and whole life policies, with options that depend on underwriting and state approvals. |
| 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 to drive in every state; 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. |
| Roadside / Towing | Help for breakdowns and certain towing needs (coverage details vary). See how towing coverage and roadside assistance typically work. | 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. | 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). |
| Safe driver / clean record | Drivers with fewer incidents generally pay less; underwriting weighs tickets, claims history, and violations (see what insurers consider a clean driving record). |
| Paid in full | Paying the full term up front can reduce fees and sometimes earns a discount (here’s whether it’s better to pay in full or monthly). |
| Vehicle safety & anti-theft | Some vehicles qualify for discounts based on features and claims data (see how safety feature discounts work). |
| Coverage alignment | Having the “right” coverage can help you avoid paying for protection you don’t need (and avoid dangerous gaps). This guide helps you 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.
Frankenmuth maintains an A+ rating with the Better Business Bureau profile for its Michigan headquarters. 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, with an effective date of June 3, 2025 (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).
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 allows claims to be reported 24/7 and offers multiple reporting methods, including phone, fax, agent reporting, and online claim filing (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 |
| Hours | Mon–Fri: 8:00am – 5:30pm (ET) |
| Website | https://www.fmins.com/ |
