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

Quick Facts

• Based on national averages for car insurance, State Auto offers more affordable rates than Frankenmuth
• Frankenmuth has less expensive premiums for policyholders whose driving record contains an at-fault collision
• State Auto offers cheaper average prices for policyholders who live in urban areas

Frankenmuth or State Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering substantial savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Frankenmuth or State Auto, but between the two, which one will save you the most?

As you can see, Frankenmuth has average rates that are around 19% a month more expensive than those from State Auto when looking at the national average rates for auto insurance.

But State Auto may not be the most affordable or best option for every driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, premiums from each company will differ quite a bit from person to person.

So, if you want to find out which of Frankenmuth or State Auto is really the best for you, keep reading to see average rates for each carrier broken down by a bunch of different rate factors.

Frankenmuth vs. State Auto: Average Car Insurance Rates by State

Frankenmuth and State Auto only compete against each other in one states, with Frankenmuth offering more affordable premiums to the average driver in all of them. Ohio has the most noticable difference, where Frankenmuth prices are $26 cheaper than insurance rates at State Auto.

There are plenty of other factors that go into your car insurance payment than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group out there on the road. That's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Frankenmuth for their insurance pay 6% less than those who use State Auto.

That being said, with both companies, you'll see your prices decrease significantly by the time you turn 25. For example, average rates for Frankenmuth policyholders drop over 55% and State Auto's premiums reduce almost 75% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest car insurance rates you'll ever find. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise prices.

So, which company offers the best rates to retired drivers? State Auto gets the edge, with prices for drivers 65 and older more than 20% less expensive than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married policyholders. That's because policies for married drivers normally cover more than one vehicle, which a lot of carriers will give you a discount for.

For single policyholders, the difference in average prices between these two companies is significant, with State Auto premiums coming in at about 10% less than Frankenmuth's. The advantage is also clear for married couples - State Auto offers the lowest average rates.

Frankenmuth or State Auto: Average Rates by Gender

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

Usually, women see premiums around $6 per month cheaper with Frankenmuth, and about $24 less with State Auto.

Looking at the data for each carrier specifically, State Auto offers the most affordable average rates for both men and women, with average prices 16% less for men and 22% cheaper for women.

Frankenmuth vs. State Auto: 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, insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, State Auto has the significant edge, with average monthly rates coming in at $149. If you want a full coverage policy with the same state minimum limits, State Auto again has the edge, with policies averaging around $369 a month to Frankenmuth's $422.

Is Frankenmuth or State Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their 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 accidents and speeding tickets on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Frankenmuth for their car insurance can normally expect their monthly bill to go up about 30% after getting a speeding ticket. State Auto policyholders can expect a less drastic increase of around 22%.

However, State Auto tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are $3 and $29 less expensive, 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 climb by just under 20%, while those who have insurance through State Auto will see about a 35% increase.

At the end of the day, Frankenmuth offers the lowest rates for drivers with an at-fault accident on their records, with average premiums coming in at $214 compared to State Auto Insurance's $269.

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 speeding ticket or even a collision. For example, Frankenmuth increases average rates by more than $450 per month -- that's nearly a 75% increase.

But if you end up with a DUI charge and are looking for more affordable prices, State Auto tends to be more affordable for the average driver, with monthly premiums coming in at around $380 to Frankenmuth's $637.

How does Credit Score Impact Frankenmuth and State Auto Rates?

Did you know many auto insurance companies take into account your credit score when determining premiums? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it will come into play for lots of policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

Looking at Frankenmuth and State Auto specifically, which company has the best rates 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 State Auto 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. That's because the fewer miles you put on your car each year, the less likely you are to be in an accident and file an insurance claim.

In this case, neither Frankenmuth or State Auto report increasing premiums for drivers with higher annual mileage figures. Still, State Auto 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 $259 a month for both.

Frankenmuth or State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for auto insurance. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads where they live.

State Auto tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, State Auto Insurance's average prices are about 21% less than Frankenmuth Insurance. People who live in suburban areas pay around 18% less with State Auto compared to Frankenmuth. Those in rural areas can expect to save about 15% with State Auto compared to Frankenmuth.

Frankenmuth vs. State Auto 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 taking advantage of as many auto insurance discounts as possible.

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're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Frankenmuth and State Auto offer their customers so that you can see which carrier can save you the most money each month.

State Auto blows Frankenmuth away when it comes to the sheer amount of discounts available, offering seven more discounts than Frankenmuth.

There are a couple discounts both carriers offer, but State Auto also offers discounts for ABS, advantage program , anti-theft, and more.

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

Final Thoughts: Is Frankenmuth or State Auto Best for You?

So, we've broken down the average premiums for many of the variables car insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Frankenmuth or State Auto the right one for you and your specific profile and needs?

State Auto might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates increase.
• You've started working from home and don't have much of a commute.

Frankenmuth might be best for you if...

• Your driving record contains an at-fault collision.
• You want to save money while purchasing auto insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare Frankenmuth and State Auto and that you can now make a more informed 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 State Auto. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Frankenmuth vs. State Auto FAQs

Is Frankenmuth or State Auto cheaper?

State Auto is the more affordable of the two carriers when looking at national average premiums, with policies averaging $259 per month with State Auto and $318 for Frankenmuth. But that doesn't mean State Auto will be the lowest company for every policyholder, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Frankenmuth or State Auto?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all boils down to your unique insurance profile. For example, State Auto is cheaper for drivers who have less-than-stellar credit scores, while Frankenmuth offers more affordable prices for policyholders with an at-fault accident on their record.

Why do Frankenmuth and State Auto offer me different rates?

Car insurance companies use quite a few different variables when calculating the rates they charge. Things like gender, age, your driving record, where you call home, and sometimes even things like your credit score can all come into play. Both Frankenmuth and State Auto calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Frankenmuth or State Auto is right for me?

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Frankenmuth or State Auto at all, but another you hadn't even thought of!

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.