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

Looking for car insurance and wondering if Frankenmuth or Grange is the right company for you? If so, you're probably wondering which carrier has the most affordable rates or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next insurance policy.
Newly insured car driving down the road
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Quick Facts

  • In general, Grange offers significantly less expensive prices than Frankenmuth
  • Frankenmuth offers more affordable premiums for policyholders who have a clean driving record, free of accidents, tickets, or DUIs
  • Grange offers cheaper average rates for couples purchasing car insurance together

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Frankenmuth or Grange, but which carrier has more affordable prices for auto insurance?

Frankenmuth Grange

Looking at the national average rates for both companies, Frankenmuth is about $69 more per month than Grange.

But Grange may not be the cheapest or best option for every single driver out there. Car insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a ton of other factors, so prices will vary quite a bit from person to person.

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

Frankenmuth or Grange: Average Car Insurance Rates by State

State Frankenmuth Grange

Frankenmuth and Grange only compete against each other in two states, with Frankenmuth offering cheaper rates to the average driver in all of them. Michigan has the most noticable difference, where Frankenmuth premiums are over 30% less expensive than insurance rates at Grange.

But there's more to calculating auto insurance prices than just where you call home. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Frankenmuth Grange
18-year-old drivers$688$551
25-year-old drivers$308$205

Teen drivers will almost always have the most expensive car insurance rates of any group out there on the road. It's typically 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. As you can see above, teens who use Grange save nearly $150 a month compared to those who use Frankenmuth.

That being said, with both companies, you'll see your prices lower significantly once you turn 25. For example, average rates for Frankenmuth policyholders drop almost $400 and Grange's prices reduce around $350 over that time.

Which is the Best Company for Retired Drivers?

Frankenmuth Grange
65+-year-old drivers$215$200

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever see.

So, which carrier offers the best prices to retired drivers? Grange gets the slight edge, with rates for drivers 65 and older about 7% more affordable than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

Frankenmuth Grange

You may not be aware, but insurance premiums tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married drivers having multiple cars on their policy -- something many car insurance carriers will reward with discounts.

When it comes to relationship status, Grange is the clear winner for those who are single, with rates around $73 per month cheaper than Frankenmuth, on average. The advantage is also clear for married couples - Grange offers the cheapest average prices.

Frankenmuth vs. Grange: Average Rates by Gender

Frankenmuth Grange

Men are statistically more likely than women to get speeding tickets and get into collisions, which means they'll generally end up paying more for insurance than women.

Generally, women see premiums about 2% a month less with Frankenmuth, while with Grange, the difference is closer to 5% per month.

When it comes to the most affordable rates for each gender, Grange comes out on top for both men and women. On average, women save about $72 a month and men save around $66 with Grange compared to the average Frankenmuth policyholder.

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Frankenmuth or Grange: Compare State Minimum vs. Full Coverage Rates

Frankenmuth Grange
State Minimum*$214$185
Full Coverage**$422$313

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

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

If you're looking for state minimum liability limits, Grange usually offers more affordable premiums of $185 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, Grange again has the edge, with policies about $100 per month less expensive than Frankenmuth, on average.

Is Frankenmuth or Grange 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.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two companies offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth Grange
Clean Record$173$180
1 Speeding Ticket$247$235

Frankenmuth policyholders can expect their rates to go up an average of $74 a month if they get a ticket, while Grange normally raises prices around $55 per month, on average.

If you have a clean record, Frankenmuth tends to offer the best premiums at about 4% cheaper, while Grange has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Frankenmuth Grange
Clean Record$173$180
1 At-Fault Accident$214$266

After an accident, drivers who have their auto insurance through Frankenmuth can expect to see around an $41 -- or about 19% -- increase in their insurance rates. Drivers who use Grange for their auto insurance will see a monthly bill around $86 (or 32%) more expensive after reporting a collision to their car insurance company.

Overall, the less expensive prices come from Frankenmuth, with monthly premiums averaging $214 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Frankenmuth Grange
Clean Record$173$180
1 DUI$637$314

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Frankenmuth drivers usually see a 73% climb in their auto insurance prices after a DUI charge, while Grange will usually raise premiums by about 43%.

If you have a DUI on your record and are looking for more affordable rates, Grange tends to be the much more affordable option with average premiums of $314 monthly compared to $637 from Frankenmuth.

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How does Credit Score Impact Frankenmuth and Grange Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Hawaii, 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 companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Frankenmuth and Grange specifically, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Frankenmuth Grange
Excellent Credit Score$204$193
Good Credit Score$247$223

Which Company is Best for Drivers with Bad Credit?

Frankenmuth Grange
Fair Credit Score$282$252
Poor Credit Score$537$343

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

Frankenmuth Grange
6,000 Annual Miles$318$248
12,000 Annual Miles$318$250

How much you drive can have a sizable impact on your monthly prices. Generally, the more miles you drive, the more you can expect to pay for insurance.

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 rates for Grange, with drivers who put 6,000 miles on their car annually paying around $2 less each month compared to those who drive 12,000 miles yearly. Still, Grange is the cheaper option for drivers in both categories.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a big impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Frankenmuth Grange
Urban Areas$399$292
Suburban Areas$288$235
Rural Areas$266$220

When comparing these two carriers side-by-side, Grange typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both companies, but Grange comes out on top with average prices about $220 per month. Grange also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $107 and $53 a month respective difference when compared to Frankenmuth drivers in similar areas.

Frankenmuth vs. Grange Discounts

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

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

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

Frankenmuth Grange
ABS Discount 
Advance Quote Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Employee Discount 
Family Discount 
Good Driving Discount
Good Student Discount 
Group Discount
Hybrid Vehicle Discount 
Legacy Discount 
Life Policy Discount

Grange blows Frankenmuth away when it comes to the sheer amount of discounts available, offering 17 more discounts than Frankenmuth.

There are a couple discounts both carriers offer, but Grange also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Frankenmuth does not.

On the flip side, Frankenmuth has a couple unique discounts of its own -- advance quote discounts and family discounts.

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Final Thoughts: Is Frankenmuth or Grange Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, is Frankenmuth or Grange the best company for you and your specific needs?

Grange might be best for you if....

  • Your credit is below-average.
  • You care about discounts (Grange offers the most).
  • You've started working from home and don't have much of a commute.

Frankenmuth might be best for you if...

  • You haven't received any speeding tickets or been in a collision in the last few years.
  • You have an at-fault accident on your record.

We hope this guide helps you get a better idea of the difference between Frankenmuth and Grange and that it aids in making a more informed decision about 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 several carriers, not just Frankenmuth and Grange. Luckily, does all the hard work for you. 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.

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Frankenmuth vs. Grange FAQs

Is Frankenmuth or Grange cheaper?

Looking just at the national average prices, Grange is the more affordable of the two carriers, offering average rates of $249 per month compared to $318 for Frankenmuth. Even so, Grange won't necessarily be the most affordable carrier for everyone, since there are lots of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Frankenmuth or Grange?

Sadly, the real answer is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Frankenmuth offers less expensive premiums for policyholders with an at-fault collision on their record, while Grange is more affordable for drivers who have less-than-stellar credit scores.

Why do Frankenmuth and Grange offer me different rates?

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

How do I know if Frankenmuth or Grange 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 companies and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Frankenmuth or Grange 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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