Frankenmuth vs. Fremont: 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 Frankenmuth and Fremont. But which of these two companies is the best one for you? Read on to find which carrier has the best rates and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • In general, Frankenmuth offers significantly cheaper premiums than Fremont
  • Frankenmuth has less expensive prices for policyholders who haven't received any speeding tickets or been in a collision in the last few years
  • Fremont may help you save more money -- they offer more discounts than Frankenmuth Insurance

Frankenmuth or Fremont: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Frankenmuth or Fremont, but which company will offer you more affordable premiums?

Frankenmuth Fremont

Looking at nationwide averages, Frankenmuth has average rates that are around 45% a month cheaper than those from Fremont.

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

So, if you want to find out which of Frankenmuth or Fremont is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

Frankenmuth vs. Fremont: Average Car Insurance Rates by State

State Frankenmuth Fremont

Frankenmuth and Fremont only compete against each other in Michigan, where Frankenmuth offers the cheaper average prices. Frankenmuth drivers tend to pay about $55 per month less on average compared to drivers who use Fremont for their car insurance.

That being said, there are plenty of other factors that go into your auto insurance bill than just your home state. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Frankenmuth Fremont
18-year-old drivers$6881540
25-year-old drivers$308$438

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. That's generally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Frankenmuth save over 55% a month compared to those who use Fremont.

However, both companies will drop premiums once you turn 25. For example, average prices for Frankenmuth policyholders reduce more than 55% and Fremont's rates decrease over 70% over that time.

Which is the Best Company for Retired Drivers?

Frankenmuth Fremont
65+-year-old drivers$215$321

Once you approach retirement age, you'll typically enjoy the lowest insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

But who has the best premiums for retired drivers between Frankenmuth and Fremont? Frankenmuth gets the edge, with prices for drivers 65 and older almost 35% more affordable than the national average for Fremont.

Which is the Best Company for Married Drivers?

Frankenmuth Fremont

Did you know that insurance rates are normally cheaper for married drivers than they are for single policyholders? This usually boils down to married couples having more than one vehicle on their policy -- something quite a few car insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Frankenmuth premiums coming in at about half of Fremont's. The advantage is also clear for married policyholders - Frankenmuth offers the most affordable average prices.

Frankenmuth or Fremont: Average Rates by Gender

Frankenmuth Fremont

Women tend to pay less for auto insurance than men. This is because men are statistically more likely than women to get into collisions and get tickets, which leads to increased risk for insurers and, therefore, higher premiums.

On average, women see rates around $6 per month more affordable with Frankenmuth; women and men end up paying same monthly premiums with Fremont.

Looking at overall affordability, Frankenmuth comes out on top for both men and women. On average, women save about $247 a month and men save about $241 with Frankenmuth compared to the average Fremont policyholder.

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Frankenmuth vs. Fremont: Compare State Minimum vs. Full Coverage Rates

Frankenmuth Fremont
State Minimum*$214$334
Full Coverage**$422$790

*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.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Frankenmuth has the significant edge, with average monthly prices coming in at $214. If you want a full coverage policy with the same state minimum limits, Frankenmuth again has the edge, with policies averaging around $422 per month to Fremont's $790.

Is Frankenmuth or Fremont Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

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

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth Fremont
Clean Record$173$225
1 Speeding Ticket$247$363

Policyholders who use Frankenmuth for their car insurance can usually expect their monthly bill to go up about 30% after getting a speeding ticket. Fremont policyholders can expect a bit more drastic of an increase of around 38%.

However, Frankenmuth is normally the less expensive option for both drivers who have clean records and those with a recent ticket -- their rates are around 23% more affordable for drivers with clean records and 32% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Frankenmuth Fremont
Clean Record$173$225
1 At-Fault Accident$214$307

After an accident, drivers who have their auto insurance through Frankenmuth can expect to see about an $41 -- or around 19% -- rise in their insurance prices. Drivers who use Fremont for their car insurance will see a monthly bill about $82 (or 27%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, the cheaper premiums come from Frankenmuth, with average rates coming in at $214 compared to Fremont Insurance's $307.

Which Company is Best for Drivers with a DUI?

Frankenmuth Fremont
Clean Record$173$225
1 DUI$6371353

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. Fremont drivers usually see a 83% increase in their auto insurance prices after a DUI charge, while Frankenmuth will typically climb rates by around 73%.

But if you end up with a DUI charge and are looking for more affordable premiums, Frankenmuth tends to be less expensive for the average driver, with monthly premiums coming in at about $637 to Fremont's 1353.

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How does Credit Score Impact Frankenmuth and Fremont Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for a lot of drivers.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Frankenmuth Fremont
Excellent Credit Score$204$545
Good Credit Score$247$545

Michigan is one of a small number of states that restricts auto insurance carriers from using credit scores to calculate prices. And since Fremont is only available in Michigan, there is no data available on how credit score impacts premiums because it's not a factor at all. This may be a good thing, since Frankenmuth and other companies tend to raise rates quite a bit in other states if you don't have excellent credit.

Which Company is Best for Drivers with Bad Credit?

Frankenmuth Fremont
Fair Credit Score$282$553
Poor Credit Score$537$604

If you have less-than-stellar credit and live in Michigan, the good news is it won't cost you extra when it comes to car insurance. As you can see, poor credit can really cost Frankenmuth drivers in other states, but no need to worry if you live in Michigan.

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

Frankenmuth Fremont
6,000 Annual Miles$318$562
12,000 Annual Miles$318$562

How much you drive can have a substantial impact on your monthly prices. Generally, those who drive less will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Frankenmuth or Fremont report increasing rates for drivers with higher annual mileage figures. That being said, Frankenmuth comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $318 a month for both.

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

Where you live can have a sizable impact on your monthly auto insurance payment. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the road where they live, which reduces the chances of an accident.

Frankenmuth Fremont
Urban Areas$399$682
Suburban Areas$288$536
Rural Areas$266$467

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

Those in rural areas can expect to save around 43% with Frankenmuth compared to Fremont. People who live in suburban areas pay about 46% less with Frankenmuth compared to Fremont. For drivers in urban ZIP codes, Frankenmuth Insurance's average prices are around 41% less than Fremont Insurance.

Frankenmuth vs. Fremont Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Frankenmuth and Fremont so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Frankenmuth Fremont
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Family Discount 
Garage Discount 
Good Driving Discount
Good Student Discount 
Group Discount
Life Policy Discount 
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount
Passive Restraint Discount
Premier Risk Discount 
Renewal Discount 
Umbrella Policy Discount 

Looking at the total number of discounts, Fremont comes out ahead with 14 discounts to Frankenmuth's 11.

There are a couple discounts both companies offer, but Fremont also offers discounts for ABS, anti-theft, COVID-19 relief, and more.

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

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Final Thoughts: Is Frankenmuth or Fremont Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which carrier is the best carrier for you and your specific driver profile?

Frankenmuth might be best for you if....

  • You will be the only person on the auto insurance policy.
  • You want the most robust protection via a "full coverage" policy.
  • You drive fewer than 12,000 miles annually.

Fremont might be best for you if...

  • You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Frankenmuth and Fremont. We also hope we've given you the information you need to make the best decision when it comes to your car 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 several companies, not just Frankenmuth and Fremont. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

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Frankenmuth vs. Fremont FAQs

Is Frankenmuth or Fremont cheaper?

Frankenmuth is the more affordable of the two companies when looking at national average premiums, with policies averaging $318 per month with Frankenmuth and $562 for Fremont. But that doesn't mean Frankenmuth will be the lowest carrier for every driver, since there are a range of different factors that are considered when it comes to your auto insurance cost.

Who is better, Frankenmuth or Fremont?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Frankenmuth and Fremont offer me different rates?

Insurance carriers use many different variables when determining the prices they charge. Factors such as where your home is, age, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both Frankenmuth and Fremont calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto 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, sites like do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Frankenmuth or Fremont at all, but another you hadn't even thought of!


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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