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

Quick Facts

• Based on national averages for auto insurance, Esurance offers slightly more affordable prices than Frankenmuth
• Esurance tends to be a much cheaper option for single people who will be the only person on the car insurance policy
• Frankenmuth has less expensive rates in MI and OH

Esurance or 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 big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Esurance or Frankenmuth for your next policy, but between the two, which company will offer you more affordable prices?

Looking at nationwide averages, Frankenmuth is around $19 more a month than Esurance.

That being said, that doesn't mean Esurance will necessarily be less expensive than Frankenmuth for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so rates will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both Esurance and Frankenmuth by lots of different rate factors, so read on to find out which carrier is the best for you.

Esurance vs. Frankenmuth: Average Car Insurance Rates by State

Esurance and Frankenmuth only compete against each other in one states, with Frankenmuth offering cheaper rates to the average driver in all of them. Ohio has the most noticable difference, where Frankenmuth premiums are $87 less expensive than insurance prices at Esurance.

That being said, there are plenty of other factors that go into your auto insurance payment than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers. That's typically because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Frankenmuth for their auto insurance pay almost 3% less than those who use Esurance. It's worth noting that Esurance offers car insurance in 11 different states compared to Frankenmuth's two, which can skew the average premiums a bit, but the difference here is still considerable.

But with both companies, you'll see your rates decrease significantly by the time you turn 25. For example, average prices for Esurance policyholders reduce about $500 and Frankenmuth's premiums lower nearly $400 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

So, which company offers the best premiums to retired drivers? Frankenmuth gets the slight edge, with prices for drivers 65 and older $17 cheaper than the national average for Esurance.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance premiums than married drivers. That's because policies for married couples generally cover more than one vehicle, which several carriers will give you a discount for.

For single drivers, the difference in average rates between these two companies is not very significant, with Esurance prices coming in at around 1% less than Frankenmuth's. The advantage for married policyholders is more obvious, where drivers who use Esurance save over 15% per month.

Esurance or Frankenmuth: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to car insurance men will normally end up paying a little more.

On average, men see rates about 7% a month higher with Esurance, and around 2% with Frankenmuth.

Looking at overall affordability, Esurance comes out as the lowest option for both genders, with average premiums 4% less for men and 9% cheaper for women.

Esurance vs. 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 insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Esurance has the slight edge, with average monthly rates coming in at $201. If you want a full coverage policy with the same state minimum limits, Esurance again has the edge, with policies averaging about $396 per month to Frankenmuth's $422.

Is Esurance or Frankenmuth Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two companies offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Esurance for their auto insurance can generally expect their monthly bill to go up around 16% after getting a speeding ticket. Frankenmuth policyholders can expect a bit more drastic of an increase of about 30%.

That being said, Frankenmuth is typically the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are 29% and 14% cheaper, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Esurance increasing by around 34%. Frankenmuth has a less extreme climb, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, Frankenmuth offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $214 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Frankenmuth will raise your rates about 73% after a DUI, while Esurance's average prices increase by just under 20%.

Esurance has the overall most affordable premiums for drivers with a DUI on their records at $301 monthly, but it's worth noting that Esurance's average rates come from 11 states compared to just two for Frankenmuth, so the data may be skewed slightly.

How does Credit Score Impact Esurance and Frankenmuth Rates?

Did you know many car insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it will come into play for a lot of drivers.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

So, which carrier offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Frankenmuth will usually reward you the most. For policyholders with "excellent" credit scores, Frankenmuth comes in NaN less expensive. Drivers with "good" credit scores typically save around 7% with Frankenmuth compared to average rates from Esurance.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about 8% less with Frankenmuth than Esurance, but those whose credit is considered "poor" have it flipped -- saving around 21% a month with Esurance.

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

How much you drive can have a considerable impact on your monthly rates. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in a collision and file 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 Esurance, with drivers who put 6,000 miles on their car each year paying about $1 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Esurance is the cheaper company.

Esurance or Frankenmuth: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a large impact on your monthly insurance cost. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Esurance vs. Frankenmuth Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Esurance and Frankenmuth so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Esurance knocks Frankenmuth out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Frankenmuth.

A couple of those are overlapping for things like discounts for being a defensive driver, group discounts, and multi-policy discounts. Esurance also offers discounts for ABS, agency transfer, anti-theft, and more.

On the other hand, Frankenmuth has a few proprietary discounts of their own for things like distant student discounts, family discounts, life policy discounts, and more.

Final Thoughts: Is Esurance or Frankenmuth Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, is Esurance or Frankenmuth the right fit for you?

Esurance might be best for you if....

• You value the experience that comes with a large national car insurance carrier.
• You want the most robust protection via a "full coverage" policy.
• Your neighborhood is in a rural area.

Frankenmuth might be best for you if...

• You like the personalized touch of a small, regional company.
• You have received a ticket within the last few years.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Esurance and Frankenmuth and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Esurance 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 car insurance companies in your area, all in just a few minutes.

Esurance vs. Frankenmuth FAQs

Is Esurance or Frankenmuth cheaper?

Esurance is the less expensive of the two carriers when looking at national average prices, with policies averaging $299 per month with Esurance and $318 for Frankenmuth. But that doesn't mean Esurance will be the most affordable carrier for each driver, since there are many different factors that are considered when it comes to your auto insurance bill.

Who is better, Esurance or Frankenmuth?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for every policyholder -- it all boils down to your unique insurance profile. For example, Frankenmuth is more affordable for drivers who have already retired, while Esurance offers cheaper premiums for single drivers.

Why do Esurance and Frankenmuth offer me different rates?

Auto insurance companies use lots of different variables when calculating the rates they charge. Things such as your driving record, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Esurance and Frankenmuth use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Esurance 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 multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Esurance or Frankenmuth at all, but another you hadn't even thought of!

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.