Is Frankenmuth Good for Auto Insurance?

Last Updated on June 29, 2023

Frankenmuth is a Michigan-based insurance company with 150+ years of experience insuring policyholders across the state.

Today, Frankenmuth continues to sell auto insurance through a network of independent agents across Michigan and Ohio. In addition to car insurance, Frankenmuth sells home, life, and business insurance, among other products.

Generally, Frankenmuth is well-rated by policyholders across Michigan, and the insurance company remains popular for drivers across the state.

Is Frankenmuth good for auto insurance? What makes Frankenmuth different from other Michigan insurance companies? Find out everything you need to know about Frankenmuth today in our review.

Key Takeaways:

  • Frankenmuth Insurance is a Michigan-based insurance company with over 150 years of experience in providing insurance policies to customers in Michigan and Ohio.
  • The company offers a range of insurance products, including business, home, life, and auto insurance, through a network of independent agents across both states.
  • Frankenmuth Insurance emphasizes personalized customer service through local independent agents with whom policyholders can build long-term relationships.
  • The company offers a range of auto insurance products and services, including basic liability coverage, collision coverage, comprehensive coverage, and discounts for bundling, multi-vehicle, safe driving, paid-in-full, and safety features. Additionally, Frankenmuth offers collector car insurance, alternative vehicle insurance, and other coverage options.
  • Insurance Panda rates Frankenmuth 4.3/5

About Frankenmuth Insurance

Frankenmuth Insurance is an insurance company based in Frankenmuth, Michigan. The company was founded in 1868.

Over the last 150 years, Frankenmuth has emphasized solid, hassle-free insurance policies for customers with all types of needs.

Frankenmuth does business through a network of local, independent agents across Michigan. These agents sell business insurance, home insurance, life insurance, and auto insurance, among other insurance products.

Frankenmuth, like other smaller and regional insurers, emphasizes strong customer service and a personalized insurance experience – not the faceless experience you get with nationwide brands. The company claims insurance conversations “should happen over coffee, not a cloud.” That’s why the company emphasizes local, independent insurance agents with whom you build a relationship over time.

Frankenmuth is headquartered in Michigan and best known in Michigan, although the company now sells insurance in Ohio. People in Maine, New Hampshire, and Vermont can purchase insurance policies through Frankenmuth’s subsidiary, Patriot Insurance.

Let’s take a closer look at the products and services offered by Frankenmuth Insurance.

Frankenmuth Insurance Products & Services

Frankenmuth Insurance offers four core insurance products and services, including:

Business Insurance: Frankenmuth offers a full suite of business insurance services, including business owner’s policies, commercial package policies, commercial umbrella insurance, and workers’ compensation, among other packages. The company also offers unique, niche business insurance products like coverage for commercial auto, crime, cyber and data, employment practices liability, inland marine, and safety services.

Home Insurance: Frankenmuth offers a range of home insurance products, including basic liability plans and comprehensive protection packages. Available home insurance products include Ultra Home Guardian and Home Protector, both of which consist of complete packages of insurance products. Frankenmuth also offers standard insurance for renters, condos, dwellings under construction, and manufactured homes (only available in Michigan).

Life Insurance: Frankenmuth offers whole life and term life insurance policies.

Auto Insurance: Frankenmuth offers a range of auto insurance products and services, including basic liability packages and full coverage packages.

What Makes Frankenmuth Auto Insurance Unique?

Michigan drivers have hundreds of options for car insurance. What makes Frankenmuth superior to competing providers? What types of unique car insurance policies does the company offer compared to other providers?

Overall, Frankenmuth offers a standard range of car insurance policies, products, and services to drivers across Michigan and Ohio. Whether you have unique needs or standard needs, you may be able to find the car insurance you need with Frankenmuth:

Basic Liability Coverage: Frankenmuth sells basic liability car insurance in Ohio and Michigan, allowing you to meet state minimum requirements without spending an excessive amount on car insurance. Basic liability coverage includes bodily injury liability coverage, property damage liability coverage, and other required coverages in each state.

Collision Coverage: Frankenmuth sells collision coverage, which covers the cost of your vehicle after an accident. Collision coverage is optional in Ohio and Michigan and is a standard part of a full coverage car insurance policy.

Comprehensive Coverage: Frankenmuth sells comprehensive coverage, which covers the cost of your vehicle after theft, vandalism, environmental damage, and other incidents. Comprehensive coverage is optional in Ohio and Michigan and is included with full coverage car insurance.

Roadside Assistance: Frankenmuth lets drivers bundle towing coverage, roadside assistance, and other policies under their car insurance plans.

Collector Car Insurance: Frankenmuth offers collector car insurance, allowing policyholders to protect classic cars, antique cars, and similar unique vehicles with affordable coverage.

Alternative Vehicle Insurance: Frankenmuth insures standard cars and trucks. The company also insures RVs, ATVs, sportscars, motorhomes, campers, and other unique vehicles.

Additional Coverage: Other car insurance options available with Frankenmuth include coverage for rental cars, property damage, medical expenses, funeral expenses, work loss benefits, accidental injury and death, and company car coverage, among other options.

Frankenmuth Auto Insurance Discounts

Frankenmuth offers a standard range of auto insurance discounts compared to competing providers, including all of the following options:

Bundling Discounts: If you bundle multiple policies with Frankenmuth, then you get a discount on all policies. If you have homeowners, life, auto, and business insurance with Frankenmuth, for example, then you can expect to receive a discount across all policies.

Multi-vehicle Discounts: Frankenmuth offers discounts to drivers with multiple vehicles. If you own multiple vehicles and insure them all with Frankenmuth, then you can receive a discount over the cost of buying a policy individually.

Safe Driving Discounts: Drivers in Michigan and Ohio with a clean record will pay less for car insurance than drivers with a speeding ticket, at-fault accident, and other incidents on their record.

Paid in Full Discounts: If you pay your car insurance in full upfront every 6 or 12 months, then you will receive a small discount over those who pay for car insurance monthly.

Safety Features Discounts: Frankenmuth customizes car insurance based on your unique risk profile. Your risk profile consists of your driving habits, personal characteristics, and car safety features, among other factors. If your vehicle has extensive safety features, then you could receive a small discount on your Frankenmuth car insurance premiums.

Personalized Coverage Discounts: Frankenmuth insurance policies vary widely among its customers. The company emphasizes a personalized approach to car insurance – they don’t want to shoehorn customers into ill-fitting policies. With that in mind, some of the best Frankenmuth car insurance discounts are those personalized to your unique needs. A Frankenmuth agent will review your situation and insurance needs, then recommend the best coverage.

Frankenmuth offers discounts customized to each policyholder, and the company does not seem to disclose a full list of discounts upfront. Your discounts may vary depending on your local, demographic information, and driving habits.

Frankenmuth Auto Insurance Reviews: What Do Customers Have to Say?

Frankenmuth is generally well-rated online by drivers in Ohio and Michigan. However, the company’s online presence suffers the same problem as most other car insurance companies in America: most drivers don’t review their insurer unless they have a problem with a claim, which causes review websites to skew downward.

Frankenmuth has an A+ rating from the Better Business Bureau (BBB) with just four customer complaints listed and 0 complaints in the last 12 months.

Independent review websites like Yelp, Clearsurance, and others have similar ratings for Frankenmuth: customers praise the company for its personalized service, strong claims satisfaction, and overall customer service. However, customers feel they pay more for Frankenmuth than they would with other providers.

Although customers feel Frankenmuth charges more for car insurance, our analysis shows Frankenmuth charges similar prices compared to other providers in Michigan and Ohio.

Frankenmuth is not large enough to appear on nationwide rankings from J.D. Power and other industry leaders. J.D. Power ranks the best and biggest car insurance companies in the United States every year. Although Frankenmuth has a large presence in Michigan and Ohio, the company is small compared to its nationwide competitors.

A.M. Best ranks insurance companies across the United States based on financial stability. The company analyzes each insurance company’s assets and liabilities, then assigns a grade based on their perceived financial strength. In 2022, A.M. Best affirmed the company’s A (Excellent) rating, which Frankenmuth has maintained since 2007.

Many of America’s largest and wealthiest insurance companies have a similar A (Excellent) rating, although it’s rare for smaller, regional insurance companies to achieve the same score. This makes Frankenmuth’s financial position seem particularly impressive.

Frequently Asked Questions About Frankenmuth

Our Rating of Frankenmuth Insurance

Frankenmuth is a Michigan-based insurance company that has been providing auto, home, life, and business insurance for over 150 years. The company strongly emphasizes customer service, offering a personalized insurance experience through a network of local, independent agents across Michigan and Ohio. Frankenmuth offers a standard range of car insurance policies and products and discounts for bundling policies, safe driving, and multiple vehicles.

Customer Service
Financial Strength


Frankenmuth receives positive online ratings from customers in Ohio and Michigan, with a strong A+ rating from the Better Business Bureau and favorable reviews for personalized service and claims satisfaction. Although Frankenmuth has cheaper rates than average, some customers feel they pay more. Despite its absence from nationwide rankings, Frankenmuth has maintained an A (Excellent) rating from A.M. Best for financial strength since 2007, an impressive feat for a regional insurance company.


Final Word – Frankenmuth Auto Insurance Review

Frankenmuth is a car insurance company available to drivers in Michigan and Ohio. Founded in 1868, the company has over 150 years of experience providing car insurance to drivers across the region.

Today, Frankenmuth emphasizes higher quality customer service, better claims satisfaction, and a more personalized insurance experience than its faceless nationwide competitors. The company’s prices tend to be slightly higher than competing options, although some customers are willing to pay a premium for better service.

To learn more about Frankenmuth or to request a quote today, visit the company online or contact a Frankenmuth Insurance agent in your area.

Frankenmuth Contact Info
Address1 Mutual Avenue
Frankenmuth, MI 48787
Phone Number989-652-6121
HoursMon-Fri: 8:00am – 5:30pm (ET)
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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