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

Quick Facts

• Looking at the national averages for auto insurance, Motorists offers significantly cheaper premiums than Frankenmuth
• Motorists offers more affordable prices for drivers who have less-than-stellar credit
• Motorists has less expensive premiums for people who are single and purchasing insurance by yourself

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

So, you're thinking about 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 Motorists for your next policy, but which one has cheaper rates for car insurance?

Looking at the national average rates for both companies, Frankenmuth has average rates that are about 21% per month more expensive than those from Motorists.

Even so, that doesn't mean Motorists will necessarily be more affordable than Frankenmuth for every single driver. Insurance carriers vary their premiums depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and all sorts of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

Frankenmuth or Motorists: Average Car Insurance Rates by State

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

But there's more to calculating insurance rates than just where you call home. 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 auto insurance than any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Motorists for their car insurance pay more than $250 less than those who use Frankenmuth.

That being said, both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Frankenmuth policyholders lower over 55% and Motorists's prices reduce nearly 45% 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 cheapest rates you can find.

So, which carrier offers the best premiums to retired drivers? Frankenmuth gets the slight edge here, with average rates coming in at around $215 per month compared to Motorists's $219. But that difference is less than 5%, which means it ultimately will come down to other variables, such as your credit score or where you live.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more affordable for married couples than they are for single drivers. That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Motorists is the clear winner for those who are single, with rates about $90 a month less expensive than Frankenmuth, on average. The advantage for married drivers with Motorists is also obvious, where drivers save around $35 per month.

Frankenmuth vs. Motorists: Average Rates by Gender

You may not know, but insurance is normally cheaper for women than it is for men. This is because men are statistically more likely than women to get speeding tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

On average, men see prices about $6 a month higher with Frankenmuth, while with Motorists, the difference is closer to $12 per month.

Looking at the data for each company specifically, Motorists comes out on top for both men and women, with average rates 20% less for men and 22% cheaper for women.

Frankenmuth or Motorists: 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, car insurance isn't the easiest topic to understand. There are many different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, most 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 a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability insurance, Motorists typically offers significantly cheaper premiums of $123 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, Motorists again has the edge, with policies around $45 a month less expensive than Frankenmuth, on average.

Is Frankenmuth or Motorists 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 accidents on your record, but which of these two carriers offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth policyholders can expect their rates to go up an average of $74 per month if they get a ticket, while Motorists normally raises prices about $18 a month, on average.

Even so, Motorists has more affordable premiums for drivers in both categories. Drivers with a clean record can save around $4 per month and drivers with a speeding ticket can save about $60 a month with Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

Frankenmuth drivers who get in an accident can expect to see their prices rise by over $40, while those who have insurance through Motorists will see around a $35 increase.

Overall, the less expensive premiums come from Motorists, with monthly rates averaging $206 compared to Frankenmuth Insurance's $214.

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 ticket or even a collision. Frankenmuth drivers usually see a 73% increase in their auto insurance premiums after a DUI charge, while Motorists will usually raise rates by about 62%.

If you have a DUI on your record and are looking for more affordable prices, Motorists tends to be the much more affordable option with average rates of $442 a month compared to $637 from Frankenmuth.

How does Credit Score Impact Frankenmuth and Motorists Rates?

Did you know that many insurance companies take your credit score into account when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for lots of policyholders.

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

Looking at Frankenmuth and Motorists specifically, which carrier has the most affordable 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 Motorists Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly car insurance payment. Generally, the more miles you drive, the more you can expect to pay for coverage.

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 Motorists, with drivers who put 6,000 miles on their car annually paying around $10 less every month compared to those who drive 12,000 miles each year. Still, Motorists is the more affordable option for drivers in both categories.

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

Where you park your vehicle can have a big impact on your monthly auto insurance bill. Normally, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the road in those areas, which lowers the chances of an accident.

Motorists boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $252 monthly with Motorists compared to Frankenmuth's $266. People in suburban areas pay around $215 with Motorists compared to Frankenmuth's $288 per month. In urban areas, Motorists's average prices are about $286 per month compared to Frankenmuth's $399.

Frankenmuth vs. Motorists Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and 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're eligible for.

In the table below, we've taken a look at all of the different discounts Frankenmuth and Motorists offer their customers so that you can see which company can save you the most money each month.

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

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, and multi-policy discounts. Motorists also offers ABS discounts, anti-theft discounts, empty nester discounts, and more that Frankenmuth does not.

On the flip side, Frankenmuth has a couple unique discounts of its own -- distant student discounts, family discounts, discounts for being a good driver, and more.

Final Thoughts: Is Frankenmuth or Motorists Best for You?

So, you've seen how different factors can affect your car insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Frankenmuth or Motorists the right carrier for you, your vehicle, and your wallet?

Motorists might be best for you if....

• You're single and purchasing insurance by yourself.
• You're looking for discounts -- Motorists has the most.
• You live in a rural area.

Frankenmuth might be best for you if...

• You are over 65 years old and want to save some money on your auto insurance.

We hope this guide helps you get a good idea of the differences between Frankenmuth and Motorists. 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Frankenmuth and Motorists. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Frankenmuth vs. Motorists FAQs

Is Frankenmuth or Motorists cheaper?

Looking just at the national average prices, Motorists is the cheaper of the two carriers, offering average rates of $251 a month compared to $318 for Frankenmuth. That being said, Motorists won't necessarily be the cheapest carrier for every driver, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Frankenmuth or Motorists?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Motorists offers less expensive premiums for single policyholders, while Frankenmuth is cheaper for drivers who have already retired.

Why do Frankenmuth and Motorists offer me different rates?

Insurance companies take a look at several different factors when determining the rates they charge drivers. Variables like your driving record, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Frankenmuth and Motorists calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Frankenmuth or Motorists 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 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 cheapest rate. And who knows, the best carrier for you might not be Frankenmuth or Motorists 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.