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

So, you're in the market for a new insurance policy. You may have even narrowed down your search to American Select and Frankenmuth. But which of these two companies is the best one for you? Read on to find which company has the best prices and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, American Select offers significantly cheaper premiums than Frankenmuth
  • American Select offers more affordable average rates for policyholders who live in suburban areas
  • American Select offers more affordable premiums for policyholders who drive a short distance to work everyday

American Select 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 huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to American Select or Frankenmuth as your top options, but between the two, which carrier has less expensive rates for insurance?

American Select Frankenmuth

Looking at nationwide averages, Frankenmuth is quite a bit more expensive than American Select, with prices averaging $318 per month compared to just $170 with American Select.

That being said, American Select may not be the lowest or best option for each driver out there. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so premiums could vary drastically from person to person.

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

American Select or Frankenmuth: Average Car Insurance Rates by State

State American Select Frankenmuth

American Select and Frankenmuth only compete against each other in two states, with American Select offering cheaper rates to the average driver in all of them. Michigan has the most noticable difference, where American Select premiums are over 70% more affordable than car insurance rates at Frankenmuth.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your prices. Continue reading to learn more about how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

American Select Frankenmuth
18-year-old drivers$311$688
25-year-old drivers$165$308

You might already know that teen drivers generally pay a lot more for insurance than any group on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have American Select for their auto insurance pay nearly $400 less than those who use Frankenmuth.

But with both companies, you'll see your prices reduce significantly by the time you turn 25. For example, average premiums for American Select policyholders drop more than 45% and Frankenmuth's prices decrease over 55% over that time.

Which is the Best Company for Retired Drivers?

American Select Frankenmuth
65+-year-old drivers$136$215

Drivers around retirement age normally enjoy some of the most affordable insurance rates you can find. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase premiums.

So, which company offers the best rates to retired drivers? American Select gets the edge here, with average premiums coming in at about $136 a month compared to Frankenmuth's $215.

Which is the Best Company for Married Drivers?

American Select Frankenmuth

You may not be aware, but car insurance prices tend to be less expensive for married drivers than they are for single policyholders. That's typically because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, American Select is the clear winner for single drivers, with rates around $173 a month more affordable than Frankenmuth, on average. For married policyholders, the advantage is clear again - American Select has the edge when it comes to average premiums.

American Select vs. Frankenmuth: Average Rates by Gender

American Select Frankenmuth

Did you know women tend to pay less for auto insurance than men? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Men normally pay about 1% more per month than women with American Select, and around 2% more with Frankenmuth.

Looking at the data for each carrier specifically, American Select offers the cheapest average premiums for both men and women. On average, male drivers save about $150 a month and women save about $145 with American Select compared to the average Frankenmuth policyholder.

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

American Select Frankenmuth
State Minimum*$90$214
Full Coverage**$251$422

*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.

For most people, car insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries 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 Select typically offers significantly less expensive prices of $90 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, American Select again has the edge, with policies around $150 per month cheaper than Frankenmuth, on average.

Is American Select 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 at-fault collisions lead to higher rates, but which company -- American Select or Frankenmuth -- has the lowest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

American Select Frankenmuth
Clean Record$117$173
1 Speeding Ticket$149$247

American Select policyholders can expect their prices to go up an average of $32 a month if they get a ticket, while Frankenmuth usually raises rates about $74 per month, on average.

Even so, American Select tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are 32% and 40% more affordable, respectively, compared to Frankenmuth Insurance.

Which Company is Best for Drivers After an Accident?

American Select Frankenmuth
Clean Record$117$173
1 At-Fault Accident$158$214

After an accident, drivers who have their car insurance through American Select can expect to see around an $41 -- or about 26% -- increase in their insurance prices. Drivers who use Frankenmuth for their auto insurance will see a monthly bill around $41 (or 19%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use American Select end up with the cheaper prices after an accident, with monthly rates averaging $158 compared to Frankenmuth Insurance's $214.

Which Company is Best for Drivers with a DUI?

American Select Frankenmuth
Clean Record$117$173
1 DUI$258$637

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than an accident or ticket. For example, Frankenmuth increases average prices by over $450 a month -- that's just under a 75% increase.

If you have a DUI on your record and are looking for more affordable premiums, American Select tends to be the much less expensive option with average rates of $258 per month compared to $637 from Frankenmuth.

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How does Credit Score Impact American Select and Frankenmuth Rates?

Often times, your credit score can be used as one of the variables to determine your monthly auto insurance premiums. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few drivers.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking at American Select and Frankenmuth specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

American Select Frankenmuth
Excellent Credit Score$107$204
Good Credit Score$133$247

If you have great credit, you'll usually find a better deal with American Select. Drivers with "excellent" credit can save nearly 50% compared to Frankenmuth, and those with "good" scores can also expect to see savings -- about $114 or 46% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

American Select Frankenmuth
Fair Credit Score$169$282
Poor Credit Score$273$537

American Select typically offers lower prices than Frankenmuth when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $113 per month less with American Select compared to Frankenmuth, and those with "poor" scores normally save an average of about $264 monthly.

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

American Select Frankenmuth
6,000 Annual Miles$170$318
12,000 Annual Miles$170$318

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance payment. Usually, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

In this case, neither American Select or Frankenmuth report increasing premiums for drivers with higher annual mileage figures. Even so, American Select comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $170 a month for both.

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

Where you call home can have a considerable impact on your monthly insurance cost. Typically, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

American Select Frankenmuth
Urban Areas$205$399
Suburban Areas$150$288
Rural Areas$156$266

When comparing these two companies side-by-side, American Select generally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, American Select Insurance Company's average premiums are around 49% less than Frankenmuth Insurance. Drivers in suburban ZIP codes pay about 48% less with American Select compared to Frankenmuth. If you live in a rural area, you can expect to save around 41% with American Select compared to Frankenmuth.

American Select vs. Frankenmuth Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by American Select and Frankenmuth so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

American Select Frankenmuth
ABS Discount 
Account Relationship Discount 
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount 
Companion Auto Discount 
Company Car Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Family Discount
Good Driving Discount 
Good Student Discount 
Group Discount
Life Policy Discount 
Multi-Policy Discount
Next Generation Discount 
Paid In Full Discount
Passive Restraint Discount
Prior Carrier Discount 

American Select knocks Frankenmuth out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Frankenmuth.

There are a couple discounts both carriers offer, but American Select also offers ABS discounts, account relationship discounts, agency transfer discounts, and more that Frankenmuth does not.

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

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

So, you've seen how different factors can affect your insurance rates. We've shown you all the discounts each company offers, too. But, at the end of the day, is American Select or Frankenmuth the best carrier for you, your vehicle, and your wallet?

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

  • You have received a ticket within the last few years.
  • You're looking for more protection with "full coverage" auto insurance.
  • You are over 65 years old and want to save some money on your insurance.

Frankenmuth might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between American Select and Frankenmuth and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just American Select and Frankenmuth. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

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American Select vs. Frankenmuth FAQs

Is American Select or Frankenmuth cheaper?

Looking just at the national average prices, American Select is the more affordable of the two companies, offering average rates of $170 per month compared to $318 for Frankenmuth. However, American Select won't necessarily be the most affordable carrier for every driver, since there are a bunch of different variables that come into play when it comes to your car insurance bill.

Who is better, American Select or Frankenmuth?

Sadly, the real answer is "it depends.". One company is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do American Select and Frankenmuth offer me different rates?

Insurance carriers take a look at many different factors when calculating the rates they charge drivers. Variables like where you park your car, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both American Select and Frankenmuth calculate prices differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different companies.

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

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


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.

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