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

Quick Facts

• Looking at the national averages for car insurance, National Mutual offers significantly cheaper premiums than Frankenmuth
• National Mutual tends to be a much less expensive option for drivers who have an at-fault accident on their record
• National Mutual has more affordable prices for policyholders who live in suburban areas

Frankenmuth vs. National Mutual: 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 huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Frankenmuth or National Mutual as potential options, but between the two, which carrier will offer you less expensive premiums?

Looking at the national average rates for both companies, National Mutual has average rates that are about 35% per month cheaper than those from Frankenmuth.

However, that doesn't necessarily mean National Mutual will be the more affordable option for every driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things), so rates could vary drastically from person to person.

Wanting to know if Frankenmuth or National Mutual is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Frankenmuth or National Mutual: Average Car Insurance Rates by State

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

There's a lot more that goes into your auto insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use National Mutual save more than $200 a month compared to those who use Frankenmuth.

But both companies will lower premiums by the time you turn 25. For example, average prices for Frankenmuth policyholders decrease over 55% and National Mutual's rates reduce more than 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest insurance prices you can find. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase premiums.

When looking at Frankenmuth and National Mutual specifically, which carrier is best for retired drivers? National Mutual gets the edge, with rates for drivers 65 and older $81 less expensive than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more affordable for married couples than they are for single policyholders. That's generally 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, National Mutual is the clear winner for single drivers, with prices around $124 per month cheaper than Frankenmuth, on average. For married drivers, the advantage is clear again - National Mutual has the edge when it comes to average rates.

Frankenmuth vs. National Mutual: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into accidents. That means when it comes to auto insurance men will typically end up paying a little more.

With Frankenmuth, men generally pay about $6 a month more than women, and around $21 more with National Mutual.

Looking at the data for each company specifically, National Mutual comes out as the most affordable option for both genders. On average, male drivers save about $109 per month and women save about $124 with National Mutual compared to the average Frankenmuth policyholder.

Frankenmuth or National Mutual: 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 multiple 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.

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 a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, National Mutual normally offers significantly more affordable prices of $94 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, National Mutual again has the edge, with policies around $100 a month less expensive than Frankenmuth, on average.

Is Frankenmuth or National Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great rates 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 at-fault collisions and tickets lead to higher premiums, but which carrier -- Frankenmuth or National Mutual -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth policyholders can expect their premiums to go up an average of $74 per month if they get a ticket, while National Mutual usually raises rates about $11 a month, on average.

Even so, National Mutual tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 24% and 43% cheaper, respectively, compared to Frankenmuth Insurance.

Which Company is Best for Drivers After an Accident?

Frankenmuth drivers who get in an accident can expect to see their prices increase by over $40, while those who have insurance through National Mutual will see around a $75 increase.

Overall, drivers who use National Mutual end up with the cheaper prices after an accident, with monthly rates averaging $207 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% raise in their car insurance premiums after a DUI charge, while National Mutual will generally climb rates by about 60%.

If you have a DUI on your record and are looking for more affordable prices, National Mutual tends to be the much less expensive option with average rates of $325 per month compared to $637 from Frankenmuth.

How does Credit Score Impact Frankenmuth and National Mutual Rates?

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

Auto insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at National Mutual and Frankenmuth, which company has the lowest premiums for drivers 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 National Mutual 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 car insurance companies will charge for coverage. Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Frankenmuth or National Mutual report increasing premiums for drivers with higher annual mileage figures. That being said, National Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $201 per month for both.

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

Where you park your vehicle can play a big role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than policyholders in rural areas due to the number of cars that are on the roads in those areas.

National Mutual boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both carriers, but National Mutual comes out on top with average prices around $189 monthly. National Mutual also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a 46% and 30% a month respective difference when compared to Frankenmuth drivers in similar areas.

Frankenmuth vs. National Mutual Discounts

Regardless of why you might be in the market for a new 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 car 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 can take advantage of.

Below, we've broken down all of the different discounts offered by both Frankenmuth and National Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

National Mutual blows Frankenmuth away when it comes to the sheer amount of discounts available, offering 19 different discounts to Frankenmuth's 11.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, and paid in full discounts. National Mutual also offers anti-theft discounts, claim free discounts, continuous insurance 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 National Mutual Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the right one for you and your specific driver profile?

National Mutual might be best for you if....

• You have below-average credit.
• You want basic insurance coverage at the state minimum limits.
• You are purchasing your auto insurance with a spouse.

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 good idea of the differences between Frankenmuth and National Mutual and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple companies, not just Frankenmuth and National Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Frankenmuth vs. National Mutual FAQs

Is Frankenmuth or National Mutual cheaper?

Looking just at the national average prices, National Mutual is the less expensive of the two companies, offering average rates of $201 per month compared to $318 for Frankenmuth. However, National Mutual won't necessarily be the most affordable company for each policyholder, since there are a range of different variables that are considered when it comes to your insurance cost.

Who is better, Frankenmuth or National Mutual?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Frankenmuth and National Mutual offer me different rates?

Auto insurance carriers take a look at a lot of different factors when determining the premiums they charge policyholders. Things like gender, age, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Frankenmuth and National Mutual calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the 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 does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be Frankenmuth or National Mutual 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.