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

Want to know if Frankenmuth or Ohio Mutual is the better choice for insurance? You're probably wondering which carrier offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Ohio Mutual offers significantly less expensive rates than Frankenmuth
  • Ohio Mutual offers more affordable premiums for drivers with a DUI
  • Ohio Mutual has cheaper rates for policyholders who live in rural neighborhoods

Frankenmuth or Ohio Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Frankenmuth or Ohio Mutual, but between the two, which company has more affordable premiums for auto insurance?

Frankenmuth Ohio Mutual

As you can see, Ohio Mutual is quite a bit cheaper than Frankenmuth, with prices averaging $152 a month compared to $318 with Frankenmuth when looking at the national average rates for car insurance.

But that doesn't necessarily mean Ohio Mutual will be the cheaper option for every single driver. Insurance carriers use all sorts of complex algorithms to determine premiums, so depending on how old you are or how clean your driving record is (among an array of other factors), you could see wildly different prices from the ones above.

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

Frankenmuth vs. Ohio Mutual: Average Car Insurance Rates by State

State Frankenmuth Ohio Mutual

Frankenmuth and Ohio Mutual only compete against each other in Ohio, where Frankenmuth offers the cheaper average premiums. Frankenmuth drivers tend to pay about $23 per month less on average compared to drivers who use Ohio Mutual for their auto insurance.

There are plenty of other factors that go into your insurance cost than just where you call home. Read on to find out more.

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Which is the Best Company For Young Drivers?

Frankenmuth Ohio Mutual
18-year-old drivers$688$292
25-year-old drivers$308$146

Teen drivers will almost always have the most expensive car insurance rates of any group out there on the road. It's generally because teen 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 prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Ohio Mutual for their auto insurance pay almost 60% less than those who use Frankenmuth.

However, with both companies, you'll see your premiums drop significantly once you turn 25. For example, average prices for Frankenmuth policyholders reduce around $400 and Ohio Mutual's rates decrease nearly $150 over that time.

Which is the Best Company for Retired Drivers?

Frankenmuth Ohio Mutual
65+-year-old drivers$215$114

Drivers around retirement age normally enjoy some of the most affordable insurance premiums you can find. After all, they've likely been driving for quite some time, which typically reduces their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between Frankenmuth and Ohio Mutual? Ohio Mutual gets the edge here, with average prices coming in at about $114 per month compared to Frankenmuth's $215.

Which is the Best Company for Married Drivers?

Frankenmuth Ohio Mutual

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

For single drivers, the difference in average premiums between these two carriers is significant, with Ohio Mutual rates coming in at around half of Frankenmuth's. For married drivers, the advantage is clear again - Ohio Mutual has the edge when it comes to average prices.

Frankenmuth or Ohio Mutual: Average Rates by Gender

Frankenmuth Ohio Mutual

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll normally end up paying more for insurance than women.

On average, women see premiums about 2% a month less with Frankenmuth, and around 5% less with Ohio Mutual when compared to their male counterparts.

Looking at the data for each carrier specifically, Ohio Mutual comes out as the lowest option for both genders, with average rates $165 less for men and $167 cheaper for women.

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Frankenmuth vs. Ohio Mutual: Compare State Minimum vs. Full Coverage Rates

Frankenmuth Ohio Mutual
State Minimum*$214$74
Full Coverage**$422$230

*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 car insurance can be a complicated subject for most people. There are several different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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

Looking specifically at state minimum liability limits, Ohio Mutual has the significant edge, with average monthly prices coming in at $74. If you want a full coverage policy with the same state minimum limits, Ohio Mutual again has the edge, with policies averaging about $230 per month to Frankenmuth's $422.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two companies offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth Ohio Mutual
Clean Record$173$84
1 Speeding Ticket$247$105

Policyholders who use Frankenmuth for their car insurance can usually expect their monthly bill to go up around 30% after getting a speeding ticket. Ohio Mutual policyholders can expect a less drastic increase of about 20%.

That being said, Ohio Mutual tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering rates that are 51% and 57% more affordable, respectively, compared to Frankenmuth Insurance.

Which Company is Best for Drivers After an Accident?

Frankenmuth Ohio Mutual
Clean Record$173$84
1 At-Fault Accident$214$125

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Ohio Mutual increasing by around 33%. Frankenmuth has a less extreme climb, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, drivers who use Ohio Mutual end up with the cheaper prices after an accident, with average premiums coming in at $125 compared to Frankenmuth Insurance's $214.

Which Company is Best for Drivers with a DUI?

Frankenmuth Ohio Mutual
Clean Record$173$84
1 DUI$637$293

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than a collision or speeding ticket. Frankenmuth drivers usually see a 73% climb in their auto insurance prices after a DUI charge, while Ohio Mutual will normally increase premiums by about 71%.

But if you end up with a DUI charge and are looking for more affordable rates, Ohio Mutual tends to be cheaper for the average driver, with monthly premiums coming in at around $293 to Frankenmuth's $637.

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How does Credit Score Impact Frankenmuth and Ohio Mutual Rates?

Did you know many car insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect a lot of drivers out there.

The reasoning insurance companies use is that policyholders 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 less expensive rates.

Looking at Frankenmuth and Ohio Mutual specifically, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Frankenmuth Ohio Mutual
Excellent Credit Score$204$98
Good Credit Score$247$124

If you have a great credit score, Ohio Mutual will usually reward you the most. For policyholders with "excellent" credit scores, Ohio Mutual comes in more than 51.96 more affordable. Drivers with "good" credit scores generally save about 50% with Ohio Mutual compared to average prices from Frankenmuth.

Which Company is Best for Drivers with Bad Credit?

Frankenmuth Ohio Mutual
Fair Credit Score$282$153
Poor Credit Score$537$232

Ohio Mutual typically offers lower rates than Frankenmuth when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 46% a month less with Ohio Mutual compared to Frankenmuth, and those with "poor" scores typically save an average of about 57% monthly.

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

Frankenmuth Ohio Mutual
6,000 Annual Miles$318$152
12,000 Annual Miles$318$152

Did you know that the amount of time you spend in your car have a considerable impact on your monthly auto insurance bill? Usually, the more milage you put on your car each year, the more you can expect to pay for coverage.

In this case, neither Frankenmuth or Ohio Mutual report increasing premiums for drivers with higher annual mileage figures. Even so, Ohio Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $152 per month for both.

Frankenmuth or Ohio Mutual: 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 sizable impact as well. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads where they live.

Frankenmuth Ohio Mutual
Urban Areas$399$155
Suburban Areas$288$153
Rural Areas$266$147

Ohio Mutual tends to offer the lowest premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $147 a month with Ohio Mutual compared to Frankenmuth's $266. People in suburban areas pay about $153 with Ohio Mutual compared to Frankenmuth's $288 monthly. In urban areas, Ohio Mutual's average prices are around $155 a month compared to Frankenmuth's $399.

Frankenmuth vs. Ohio Mutual Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Frankenmuth and Ohio Mutual so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Frankenmuth Ohio Mutual
ABS Discount 
Advance Quote Discount
Anti-Theft Discount 
Attentive Driver Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount
Family Discount 
Good Driving Discount 
Good Student Discount 
Group Discount
Hybrid Vehicle Discount 
Life Policy Discount 
Multi-Policy Discount
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount
Pick Up Discount 
Renewal Discount 
Telematics Discount 

Ohio Mutual blows Frankenmuth away when it comes to the sheer amount of discounts available, offering 17 different discounts to Frankenmuth's 11.

A couple of those are overlapping for things like discounts for being a defensive driver, group discounts, and multi-policy discounts. Ohio Mutual also offers discounts for ABS, anti-theft, attentive driver, and more.

On the other hand, Frankenmuth has a few proprietary discounts of their own for things like family discounts, good driving discounts, life policy discounts, and more.

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Final Thoughts: Is Frankenmuth or Ohio Mutual Best for You?

So, we've broken down the average rates for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, is Frankenmuth or Ohio Mutual the right carrier for you and your specific driver profile?

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

  • You want to save money on your auto insurance after an accident.
  • Your credit score is high.
  • You live in a rural area.

Frankenmuth might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Frankenmuth and Ohio 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 Ohio Mutual. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

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Frankenmuth vs. Ohio Mutual FAQs

Is Frankenmuth or Ohio Mutual cheaper?

Ohio Mutual is the cheaper of the two companies when looking at national average premiums, with policies averaging $152 per month with Ohio Mutual and $318 for Frankenmuth. Even so, that doesn't mean Ohio Mutual will be the most affordable carrier for every policyholder, since there are a variety of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Frankenmuth or Ohio Mutual?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Frankenmuth and Ohio Mutual offer me different rates?

Insurance carriers use many different variables when calculating the rates they charge. Things such as gender, where your home is, age, your driving record, and sometimes even things like your credit score can all be used. Both Frankenmuth and Ohio Mutual calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Frankenmuth or Ohio Mutual at all, but another you hadn't even thought of!


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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