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

Quick Facts

• In general, General Casualty offers significantly more affordable premiums than Frankenmuth
• General Casualty tends to be a much cheaper option for residents of rural areas
• General Casualty offers more affordable prices for drivers with a DUI charge on their record

Frankenmuth vs. General Casualty: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Frankenmuth or General Casualty as potential options, but which company will offer you less expensive rates?

As you can see, General Casualty is quite a bit cheaper than Frankenmuth, with premiums averaging $139 per month compared to $318 with Frankenmuth when looking at the national average rates for insurance.

That being said, General Casualty may not be the cheapest or best option for every driver out there. Car insurance companies vary their prices depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and all sorts of other factors, so premiums could vary drastically from person to person.

So, if you want to find out which of Frankenmuth or General Casualty is really the best for you, keep reading to see average rates for each carrier broken down by a bunch of different rate factors.

Frankenmuth or General Casualty: Average Car Insurance Rates by State

Frankenmuth and General Casualty only compete against each other in one states, with General Casualty offering more affordable prices to the average driver in all of them. Ohio has the most noticable difference, where General Casualty premiums are over 20% cheaper than auto insurance rates at Frankenmuth.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. That's usually 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 premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $400 less a month by choosing General Casualty over Frankenmuth.

However, with both carriers, you'll see your prices drop significantly once you turn 25. For example, average rates for Frankenmuth policyholders reduce over 55% and General Casualty's premiums lower more than 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

When looking at Frankenmuth and General Casualty specifically, which company is best for retired drivers? General Casualty gets the edge, with rates for drivers 65 and older $91 less expensive than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally more expensive for single drivers than they are for married couples? This usually boils down to married policyholders having several cars on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, General Casualty is the clear winner for single policyholders, with rates about $203 per month more affordable than Frankenmuth, on average. The advantage for married drivers with General Casualty is also obvious, where drivers save nearly $150 a month.

Frankenmuth vs. General Casualty: Average Rates by Gender

Did you know women typically pay less for car 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 prices.

Typically, men see premiums around $6 per month higher with Frankenmuth, and about $14 more with General Casualty.

When it comes to the most affordable rates for each gender, General Casualty comes out on top for both men and women, with average prices 55% less for men and 58% cheaper for women.

Frankenmuth or General Casualty: 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.

For most people, insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, General Casualty normally offers significantly cheaper premiums of $82 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, General Casualty again has the edge, with policies around $250 a month less expensive than Frankenmuth, on average.

Is Frankenmuth or General Casualty Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth policyholders can expect their prices to go up an average of $74 per month if they get a ticket, while General Casualty typically raises rates about $43 a month, on average.

Even so, General Casualty is usually the cheaper option for drivers both with clean records and with a speeding ticket -- their rates are around 48% less expensive for drivers with clean records and 46% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Frankenmuth drivers who get in a collision can expect to see their prices rise by just under 20%, while those who have insurance through General Casualty will see around a 40% increase.

Overall, the cheaper premiums come from General Casualty, with monthly rates averaging $146 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 accident or ticket when it comes to your car insurance bill. For example, Frankenmuth increases average premiums by over $450 per month -- that's just under a 75% increase.

If you have a DUI on your record and are looking for more affordable prices, General Casualty tends to be the much more affordable option with average rates of $186 per month compared to $637 from Frankenmuth.

How does Credit Score Impact Frankenmuth and General Casualty Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it might come into play for quite a few policyholders.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at General Casualty and Frankenmuth, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Frankenmuth or General Casualty 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 insurance payment. Generally, the more miles you put on your car each year, the more you can expect to pay for coverage.

In this case, neither Frankenmuth or General Casualty report increasing rates for drivers with higher annual mileage figures. That being said, General Casualty comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $139 a month for both.

Frankenmuth vs. General Casualty: Compare Rates for Urban, Suburban, and Rural Drivers

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

When comparing these two companies side-by-side, General Casualty typically comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest prices from both carriers, but General Casualty comes out on top with average premiums about $131 monthly. General Casualty also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a 62% and 53% per month respective difference when compared to Frankenmuth drivers in similar areas.

Frankenmuth vs. General Casualty Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

In the table below, we've taken a look at all of the different discounts Frankenmuth and General Casualty offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Overall, General Casualty has a slight advantage when it comes to total number of discounts. Frankenmuth offers a grand total of 11 discounts, while General Casualty has 12.

Both companies offer several of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts -- but General Casualty also offers anti-theft discounts, employee discounts, good student discounts, and more that Frankenmuth does not.

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

Final Thoughts: Is Frankenmuth or General Casualty Best for You?

So, we've broken down the average prices for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Frankenmuth or General Casualty the right company for you and your specific profile and needs?

General Casualty might be best for you if....

• You have received a ticket within the last few years.
• Your neighborhood is in the suburbs.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

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 Frankenmuth and General Casualty and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Frankenmuth and General Casualty. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Frankenmuth vs. General Casualty FAQs

Is Frankenmuth or General Casualty cheaper?

Looking just at the national average premiums, General Casualty is the cheaper of the two companies, offering average rates of $139 a month compared to $318 for Frankenmuth. However, General Casualty won't necessarily be the lowest company for each driver, since there are a variety of different variables that are considered when it comes to your car insurance cost.

Who is better, Frankenmuth or General Casualty?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Frankenmuth and General Casualty offer me different rates?

Auto insurance carriers take a look at several different factors when determining the rates they charge policyholders. Things like gender, where you park your car, age, your driving record, and sometimes even things like your credit score can all come into play. Both Frankenmuth and General Casualty calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies 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 Frankenmuth or General Casualty 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.