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

Looking for car insurance and wondering if Frankenmuth or Travelers is the right carrier for you? If so, you're probably wondering which company has the most affordable premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next auto insurance policy.
Newly insured car driving down the road
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Quick Facts

  • In general, Travelers offers significantly more affordable rates than Frankenmuth
  • Travelers may help you save more money -- they offer more discounts than Frankenmuth Insurance
  • Travelers tends to be a much cheaper option for policyholders who live in urban areas

Frankenmuth or Travelers: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering substantial savings. But exactly how much can you save by switching?

You might have narrowed your search down to Frankenmuth or Travelers as potential options, but which carrier will offer you less expensive prices?

Frankenmuth Travelers

Looking at the national average rates for both carriers, Travelers has average rates that are around 45% a month cheaper than those from Frankenmuth.

But that doesn't necessarily mean Travelers will be the less expensive option for every driver. Insurance companies vary their premiums depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a variety of other factors, so rates will differ quite a bit from person to person.

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

Frankenmuth vs. Travelers: Average Car Insurance Rates by State

State Frankenmuth Travelers

Frankenmuth and Travelers only compete against each other in two states, with Frankenmuth offering more affordable rates to the average driver in all of them. Ohio has the most noticable difference, where Travelers prices are $31 cheaper than auto insurance premiums at Frankenmuth.

That being said, there are plenty of other factors that go into your car insurance payment than just where you live. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Frankenmuth Travelers
18-year-old drivers$688$353
25-year-old drivers$308$141

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers out there on the road. The reason is that teen 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 rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 50% less per month by choosing Travelers over Frankenmuth.

However, both carriers will offer you dramatically lower premiums once you turn 25. Travelers offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Frankenmuth's average prices drop over 55% during that same period.

Which is the Best Company for Retired Drivers?

Frankenmuth Travelers
65+-year-old drivers$215$132

Drivers around retirement age typically enjoy some of the cheapest auto insurance premiums out there. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise rates.

But who has the best prices for retired drivers between Frankenmuth and Travelers? Travelers gets the edge, with premiums for drivers 65 and older $83 more affordable than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

Frankenmuth Travelers

Single drivers tend to get offered slightly more expensive car insurance prices than married policyholders. This usually boils down to married drivers having more than one vehicle on their policy -- something many insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with Travelers prices coming in at about half of Frankenmuth's. For married couples, the advantage is clear again - Travelers has the edge when it comes to average rates.

Frankenmuth or Travelers: Average Rates by Gender

Frankenmuth Travelers

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

Men normally pay around 2% more a month than women with Frankenmuth, and about 6% more with Travelers.

When it comes to the lowest premiums for each gender, Travelers comes out as the most affordable option for both genders. On average, male drivers save about $149 per month and women save around $154 with Travelers compared to the average Frankenmuth policyholder.

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Frankenmuth vs. Travelers: Compare State Minimum vs. Full Coverage Rates

Frankenmuth Travelers
State Minimum*$214$108
Full Coverage**$422$225

*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.

Insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Travelers has the significant edge, with average monthly prices coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging about $225 a month to Frankenmuth's $422.

Is Frankenmuth or Travelers 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 at-fault collisions and speeding tickets on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth Travelers
Clean Record$173$128
1 Speeding Ticket$247$160

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

That being said, Travelers tends to offer the best prices for drivers both with clean records and with a ticket. With Travelers, drivers with a clean record can save around $45 per month and drivers with a speeding ticket can save about $87 a month.

Which Company is Best for Drivers After an Accident?

Frankenmuth Travelers
Clean Record$173$128
1 At-Fault Accident$214$173

Frankenmuth drivers who get in an accident can expect to see their rates climb by over $40, while those who have insurance through Travelers will see around a $45 increase.

At the end of the day, the less expensive premiums come from Travelers, with average prices coming in at $173 compared to Frankenmuth Insurance's $214.

Which Company is Best for Drivers with a DUI?

Frankenmuth Travelers
Clean Record$173$128
1 DUI$637$205

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than a collision or ticket. Frankenmuth drivers usually see a 73% raise in their insurance rates after a DUI charge, while Travelers will typically increase prices by about 38%.

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How does Credit Score Impact Frankenmuth and Travelers Rates?

Often times, your credit score can be used as one of the factors to determine your monthly auto insurance rates. This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it will come into play for a lot of policyholders.

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

Looking at Frankenmuth and Travelers specifically, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Frankenmuth Travelers
Excellent Credit Score$204$119
Good Credit Score$247$142

Which Company is Best for Drivers with Bad Credit?

Frankenmuth Travelers
Fair Credit Score$282$173
Poor Credit Score$537$231

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

Frankenmuth Travelers
6,000 Annual Miles$318$164
12,000 Annual Miles$318$169

Did you know that the amount of time you spend in your car have a considerable impact on your monthly rates? Normally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

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 rates for Travelers, with policyholders who drive 6,000 miles annually paying around $5 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Travelers is the less expensive company.

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

Where you park your vehicle can have a pretty big impact on your monthly insurance cost. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the roads where they live.

Frankenmuth Travelers
Urban Areas$399$204
Suburban Areas$288$160
Rural Areas$266$136

Travelers tends to offer the cheapest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Travelers's average premiums are about $195 less than Frankenmuth Insurance. People who live in suburban areas pay around $128 less with Travelers compared to Frankenmuth. Those in rural areas can expect to save about $130 with Travelers compared to Frankenmuth.

Frankenmuth vs. Travelers Discounts

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

The hard 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.

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

Frankenmuth Travelers
ABS Discount 
Advance Quote Discount
Alternative Fuel Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
Family Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount 
Group Discount
Hybrid Vehicle Discount 
Life Policy Discount 
Mature Driver Discount 

Travelers blows Frankenmuth away when it comes to the sheer amount of discounts available, offering 25 different discounts to Frankenmuth's 11.

Both companies offer quite a few of the same discounts -- like distant student discounts, discounts for being a good driver, and paid in full discounts -- but Travelers also offers discounts for ABS, alternative fuel, anti-theft, and more.

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

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Final Thoughts: Is Frankenmuth or Travelers Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance company is the right one for you, your vehicle, and your wallet?

Travelers might be best for you if....

  • You will be the only person on the car insurance policy.
  • You're looking for the best rates on liability only coverage.
  • You drive fewer than 12,000 miles each year.

Frankenmuth might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Frankenmuth and Travelers and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Frankenmuth and Travelers. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

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Frankenmuth vs. Travelers FAQs

Is Frankenmuth or Travelers cheaper?

Travelers is the more affordable of the two companies when looking at national average premiums, with policies averaging $167 per month with Travelers and $318 for Frankenmuth. Even so, that doesn't mean Travelers will be the lowest carrier for everyone, since there are a bunch of different factors that come into play when it comes to your insurance bill.

Who is better, Frankenmuth or Travelers?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for every policyholder -- it all depends on the makeup of your unique auto insurance profile.

Why do Frankenmuth and Travelers offer me different rates?

Car insurance carriers use several different variables when determining the prices they charge. Factors such as age, where you live, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Frankenmuth and Travelers calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple 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 insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Frankenmuth or Travelers 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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