American Family vs. Frankenmuth: Which Company is the Best Fit for You?

Quick Facts

• In general, American Family offers significantly less expensive rates than Frankenmuth
• American Family offers more affordable premiums for drivers who have an at-fault accident on their record
• Frankenmuth offers more affordable rates for residents in Michigan and Ohio

American Family vs. Frankenmuth: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to American Family or Frankenmuth as your top options, but between the two, which one will offer you more affordable prices?

Looking at the national average rates for both companies, American Family is quite a bit cheaper than Frankenmuth, with premiums averaging $140 per month compared to $318 with Frankenmuth.

Even so, American Family may not be the cheapest or best option for every single driver out there. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things), so rates could differ drastically from person to person.

So, if you want to find out which of American Family or Frankenmuth is really the best for you, keep reading to see average premiums for each carrier broken down by a variety of different rate factors.

American Family or Frankenmuth: Average Car Insurance Rates by State

American Family and Frankenmuth only compete against each other in one states, with American Family offering cheaper prices to the average driver in all of them. Ohio has the most noticable difference, where American Family rates are over 40% more affordable than car insurance premiums at Frankenmuth.

There's a lot more that goes into your insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers out there on the road. Normally, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use American Family save nearly $400 a month compared to those who use Frankenmuth. It's worth noting that American Family offers car insurance in 16 different states compared to Frankenmuth's two, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both companies, you'll see your rates decrease significantly by the time drivers turn 25. For example, average prices for American Family policyholders reduce almost $200 and Frankenmuth's premiums lower about $400 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can increase rates.

When looking at American Family and Frankenmuth specifically, which company is best for retired drivers? American Family gets the edge here, with average prices coming in at around $107 a month compared to Frankenmuth's $215.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally less expensive for married drivers than they are for single drivers? That's because policies for married couples generally cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, American Family is the clear winner for those who are single, with rates about $198 per month cheaper than Frankenmuth, on average. The advantage for married policyholders with American Family is also obvious, where drivers save nearly 60% a month.

American Family vs. Frankenmuth: Average Rates by Gender

Did you know men typically pay more for car insurance than women? This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim.

With American Family, men usually pay around $5 per month more than women, and about $6 more with Frankenmuth.

Looking at the data for each carrier specifically, American Family comes out on top for both men and women, with average prices $178 less for men and $177 cheaper for women.

American Family or Frankenmuth: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability limits, American Family typically offers significantly less expensive premiums of $96 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, American Family again has the edge, with policies around $250 a month cheaper than Frankenmuth, on average.

Is American Family or Frankenmuth Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and collisions lead to higher rates, but which company -- American Family or Frankenmuth -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Family policyholders can expect their rates to go up an average of $29 per month if they get a ticket, while Frankenmuth usually raises premiums about $74 a month, on average.

But American Family is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $55 per month and drivers with a ticket can save about $100 a month with American Family Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with Frankenmuth climbing by over $40. American Family has a less extreme climb, but you can still expect to pay $20 more than you were prior to your first accident.

Overall, drivers who use American Family end up with the cheaper prices after an accident, with monthly premiums averaging $138 compared to Frankenmuth Insurance's $214.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. On average, Frankenmuth will raise your rates around 73% after a DUI, while American Family's average premiums rise by over 25%.

American Family has the overall lowest prices for drivers with a DUI on their records at $158 monthly, but it's worth noting that American Family's average rates come from 16 states compared to just two for Frankenmuth, so the data may be skewed slightly.

How does Credit Score Impact American Family and Frankenmuth Rates?

Did you know that many car insurance carriers take into account your credit score when calculating rates? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect a lot of drivers out there.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper prices.

So, which carrier offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with American Family. Policyholders with "excellent" credit can save more than 50% compared to Frankenmuth, and those with "good" scores can also expect to see savings -- about $127 or 51% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

American Family typically offers lower premiums than Frankenmuth when it comes to drivers with bad credit. Drivers with "fair" credit pay around $141 per month less with American Family compared to Frankenmuth, and those with "poor" scores normally save an average of about $336 per month.

Is American Family or Frankenmuth Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Typically, those who drive less will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Frankenmuth charges. However, there's a small difference in monthly premiums for American Family, with policyholders who drive 6,000 miles yearly paying around $5 less each month compared to those who drive 12,000 miles annually. Still, American Family is the cheaper option for drivers in both categories.

American Family vs. Frankenmuth: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for auto insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

American Family tends to offer the most affordable rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but American Family comes out on top with average prices about $121 monthly. American Family also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $233 and $154 a month respective difference when compared to Frankenmuth drivers in similar areas.

American Family vs. Frankenmuth Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts American Family and Frankenmuth offer their customers so that you can see which carrier can save you the most money each month.

American Family knocks Frankenmuth out of the park when it comes to the sheer number of discounts available, offering 21 different discounts to Frankenmuth's 11.

A couple of those are overlapping for things like discounts for being a defensive driver, group discounts, and multi-policy discounts. American Family also offers anti-theft discounts, connect partner discounts, COVID-19 relief discount, and more that Frankenmuth does not.

On the flip side, Frankenmuth has a couple unique discounts of its own -- family discounts, discounts for being a good driver, life policy discounts, and more.

Final Thoughts: Is American Family or Frankenmuth Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which company is the right company for you and your specific needs?

American Family might be best for you if....

• You want to save money on your auto insurance after an accident.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles every year.

Frankenmuth might be best for you if...

• You like the personalized touch of a small, regional carrier.

We hope this guide has ben a valuable resource as you compare American Family and Frankenmuth and that you can now make a more informed decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of carriers, not just American Family and Frankenmuth. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

American Family vs. Frankenmuth FAQs

Is American Family or Frankenmuth cheaper?

Looking just at the national average prices, American Family is the less expensive of the two carriers, offering average rates of $140 per month compared to $318 for Frankenmuth. That being said, American Family won't necessarily be the most affordable company for each driver, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, American Family or Frankenmuth?

Sadly, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all boils down to your unique car insurance profile.

Why do American Family and Frankenmuth offer me different rates?

Insurance companies take a look at many different factors when determining the premiums they charge policyholders. Things such as where your home is, where you park your vehicle, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Frankenmuth calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from lots of different carriers.

How do I know if American Family or Frankenmuth is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be American Family or Frankenmuth at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.