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

Quick Facts

• Based on national averages for auto insurance, Frankenmuth offers significantly more affordable prices than Great Northern
• Frankenmuth has cheaper rates for policyholders who haven't received any speeding tickets or been in an accident in the last few years
• Great Northern has less expensive prices for drivers with a DUI charge on their record

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Frankenmuth or Great Northern as your top options, but which carrier will offer you more affordable rates?

Looking at nationwide averages, Frankenmuth is quite a bit cheaper than Great Northern, with premiums averaging $318 per month compared to $496 with Great Northern.

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

Luckily, we've broken down average rates from both Frankenmuth and Great Northern by multiple different rate factors, so read on to find out which carrier is the best for you.

Frankenmuth or Great Northern: Average Car Insurance Rates by State

Frankenmuth and Great Northern only compete against each other in Michigan, where Great Northern offers the cheaper average premiums. For Michigan residents, Great Northern offers auto insurance for $496 monthly on average. Frankenmuth's average prices come out to be more expensive, at $507 a month.

There's a lot more that goes into your car insurance payment than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group on the road. That's typically because young, inexperienced 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 teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $250 less a month by choosing Frankenmuth over Great Northern.

However, both carriers will decrease premiums by the time drivers turn 25. For example, average rates for Frankenmuth policyholders drop over 55% and Great Northern's prices lower nearly 50% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Frankenmuth and Great Northern specifically, which company is best for retired drivers? Frankenmuth gets the edge, with prices for drivers 65 and older $131 cheaper than the national average for Great Northern.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for those who are single than they are for married policyholders. That's normally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Frankenmuth is the clear winner for single policyholders, with rates about $189 per month less expensive than Great Northern, on average. The advantage for married couples with Frankenmuth is also obvious, where drivers save more than $150 a month.

Frankenmuth vs. Great Northern: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll typically end up paying more for car insurance than women.

With Frankenmuth, women normally pay around $6 per month less than men; everyone gets the same monthly premiums regardless of gender with Great Northern.

Looking at the data for each carrier specifically, Frankenmuth comes out as the cheapest option for both genders, with average rates 35% less for men and 36% cheaper for women.

Frankenmuth or Great Northern: 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, auto insurance can be pretty complicated. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Frankenmuth generally offers more affordable prices of $214 compared to Great Northern's $255. When it comes to full coverage policies with similar limits, Frankenmuth again has the edge, with policies about $300 a month less expensive than Great Northern, on average.

Is Frankenmuth or Great Northern Better for Drivers with Spotty Records?

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

It's no secret secret that accidents and tickets lead to higher rates, but which company -- Frankenmuth or Great Northern -- has the lowest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Great Northern insurance policies don't report seeing their premiums increase after getting a ticket, but Frankenmuth policyholders can expect to see their monthly bill increase by around 30%.

But Frankenmuth has cheaper rates for drivers in both categories. Drivers with a clean record can save about $323 per month with Frankenmuth Insurance, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Frankenmuth policyholders who get in a collision can expect to see their prices climb by just under 20%, while those who have insurance through Great Northern will see around a 0% increase.

Overall, Frankenmuth offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $214 compared to Great Northern Insurance's $496.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Frankenmuth increases average rates 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, Great Northern tends to be the much more affordable option with average prices of $496 per month compared to $637 from Frankenmuth.

How does Credit Score Impact Frankenmuth and Great Northern Rates?

Did you know that many car insurance carriers take into account your credit score when calculating rates? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect lots of drivers out there.

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.

So, which carrier offers the cheapest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

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

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect 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.

Is Frankenmuth or Great Northern 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 how much insurance carriers will charge for coverage. Usually, those who drive less will end up with less expensive rates since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Frankenmuth or Great Northern report increasing premiums for drivers with higher annual mileage figures. Even so, 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 prices of $318 per month for both.

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

Where you call home can play a substantial role in how much you pay for auto insurance. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

Frankenmuth boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable prices from both companies, but Frankenmuth comes out on top with average premiums about $266 monthly. Frankenmuth also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 30% and 41% a month respective difference when compared to Great Northern policyholders in similar areas.

Frankenmuth vs. Great Northern Discounts

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

The difficult 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.

In the table below, we've compared all of the different discounts offered by Frankenmuth and Great Northern so that you can find the one that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Frankenmuth comes out ahead with 11 discounts to Great Northern's 10.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, passive restraint discounts, and renewal discounts -- but Frankenmuth also offers advance quote discounts, distant student discounts, family discounts, and more that Great Northern does not.

On the flip side, Great Northern has a couple unique discounts of its own -- ABS discounts, anti-theft discounts, discounts for getting driver training, and more.

Final Thoughts: Is Frankenmuth or Great Northern Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, is Frankenmuth or Great Northern the best fit for you?

Frankenmuth might be best for you if....

• You want to save money on your auto insurance after a collision.
• Your home is located in the suburbs.
• You have a short drive to work everyday.

Great Northern might be best for you if...

• You have a DUI charge on your record.
• You have above-average credit.

We hope this guide has ben a valuable resource as you compare Frankenmuth and Great Northern. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Frankenmuth and Great Northern. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Frankenmuth vs. Great Northern FAQs

Is Frankenmuth or Great Northern cheaper?

Looking just at the national average prices, Frankenmuth is the more affordable of the two carriers, offering average rates of $318 per month compared to $496 for Great Northern. Even so, Frankenmuth won't necessarily be the cheapest company for every policyholder, since there are several different factors that come into play when it comes to your insurance bill.

Who is better, Frankenmuth or Great Northern?

Unfortunately, the answer truly is "it depends.". No one carrier is necessarily "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Frankenmuth and Great Northern offer me different rates?

Insurance companies take a look at quite a few different variables when determining the premiums they charge drivers. Things such as gender, where your home is, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Frankenmuth and Great Northern calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies 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 auto insurance carriers in your area. That way, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Frankenmuth or Great Northern 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.