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

You've probably seen ads offering big savings on car insurance, but are Frankenmuth or Wolverine Mutual right for you? Which company offers the most affordable rates, or the most discounts? Read on to see how Frankenmuth and Wolverine Mutual compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
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Quick Facts

  • Based on national averages for auto insurance, Wolverine Mutual offers significantly less expensive prices than Frankenmuth
  • Frankenmuth offers more discounts than Wolverine Mutual
  • Wolverine Mutual offers cheaper average premiums for couples purchasing insurance together

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering substantial discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Frankenmuth or Wolverine Mutual as your top options, but between the two, which one will offer you more affordable prices?

Frankenmuth Wolverine Mutual

Looking at nationwide averages, Wolverine Mutual is quite a bit cheaper than Frankenmuth, with rates averaging $224 per month compared to $318 with Frankenmuth.

But that doesn't necessarily mean Wolverine Mutual will be the less expensive option for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

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

Frankenmuth or Wolverine Mutual: Average Car Insurance Rates by State

State Frankenmuth Wolverine Mutual

Frankenmuth and Wolverine Mutual only compete against each other in Michigan, where Wolverine Mutual offers the cheaper average premiums. For Michigan residents, Wolverine Mutual offers car insurance for $224 monthly on average. Frankenmuth's average rates come out to be over 70% more expensive, at $507 a month.

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

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Which is the Best Company For Young Drivers?

Frankenmuth Wolverine Mutual
18-year-old drivers$688$432
25-year-old drivers$308$290

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Wolverine Mutual save more than $250 a month compared to those who use Frankenmuth.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for Frankenmuth policyholders decrease nearly $400 and Wolverine Mutual's prices lower about $150 over that time.

Which is the Best Company for Retired Drivers?

Frankenmuth Wolverine Mutual
65+-year-old drivers$215$119

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

But who has the best rates for retired drivers between Frankenmuth and Wolverine Mutual? Wolverine Mutual gets the edge, with prices for drivers 65 and older almost 45% more affordable than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

Frankenmuth Wolverine Mutual

Those who are single tend to get offered slightly more expensive insurance rates than married drivers. That's because policies for married policyholders generally cover several cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Wolverine Mutual is the clear winner for single drivers, with premiums around $114 per month cheaper than Frankenmuth, on average. The advantage is also clear for married couples - Wolverine Mutual offers the lowest average prices.

Frankenmuth vs. Wolverine Mutual: Average Rates by Gender

Frankenmuth Wolverine Mutual

Women usually to pay less for car insurance than men. This is because women are less likely to get into collisions and get tickets, which lowers the chances of an insurance claim.

Women normally pay about $6 a month less than men with Frankenmuth; men and women get the same monthly premiums with Wolverine Mutual.

Looking at overall affordability, Wolverine Mutual comes out as the most affordable option for both genders, with average rates $97 less for men and $91 cheaper for women.

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Frankenmuth or Wolverine Mutual: Compare State Minimum vs. Full Coverage Rates

Frankenmuth Wolverine Mutual
State Minimum*$214$114
Full Coverage**$422$335

*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 isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Wolverine Mutual typically offers significantly less expensive prices of $114 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, Wolverine Mutual again has the edge, with policies around $85 per month more affordable than Frankenmuth, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto 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 collisions and tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Frankenmuth Wolverine Mutual
Clean Record$173$146
1 Speeding Ticket$247$175

Frankenmuth policyholders can expect their rates to go up an average of $74 a month if they get a ticket, while Wolverine Mutual generally raises prices about $29 per month, on average.

Even so, Wolverine Mutual has cheaper premiums for drivers in both categories, offering rates that are $27 and $72 less expensive, respectively, compared to Frankenmuth Insurance.

Which Company is Best for Drivers After an Accident?

Frankenmuth Wolverine Mutual
Clean Record$173$146
1 At-Fault Accident$214$188

Frankenmuth drivers who get in a collision can expect to see their premiums climb by just under 20%, while those who have insurance through Wolverine Mutual will see around a 20% increase.

Overall, drivers who use Wolverine Mutual end up with the cheaper prices after an accident, with monthly rates averaging $188 compared to Frankenmuth Insurance's $214.

Which Company is Best for Drivers with a DUI?

Frankenmuth Wolverine Mutual
Clean Record$173$146
1 DUI$637$389

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. For example, Frankenmuth increases average prices by over $450 a month -- that's just under a 75% increase.

If you have a DUI on your record and are looking for more affordable rates, Wolverine Mutual tends to be the much more affordable option with average premiums of $389 per month compared to $637 from Frankenmuth.

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How does Credit Score Impact Frankenmuth and Wolverine Mutual Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

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

Looking at Frankenmuth and Wolverine Mutual specifically, which company has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Frankenmuth Wolverine Mutual
Excellent Credit Score$204$147
Good Credit Score$247$174

Michigan is one of a small number of states that restricts auto insurance companies from using credit scores to determine prices. And since Wolverine Mutual is only available in Michigan, there is no data available on how credit score impacts premiums because it's not a factor at all. This may be a good thing, since Frankenmuth and other carriers tend to raise prices quite a bit in other states if you don't have excellent credit.

Which Company is Best for Drivers with Bad Credit?

Frankenmuth Wolverine Mutual
Fair Credit Score$282$245
Poor Credit Score$537$333

If you have a below average credit score and live in Michigan, the good news is it won't cost you extra when it comes to car insurance. As you can see, poor credit can really cost Frankenmuth drivers in other states, but no need to worry if you live in Michigan.

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

Frankenmuth Wolverine Mutual
6,000 Annual Miles$318$224
12,000 Annual Miles$318$224

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance payment. Generally, the more miles you drive, the more you can expect to pay for coverage.

In this case, neither Frankenmuth or Wolverine Mutual report increasing rates for drivers with higher annual mileage figures. Wolverine 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 premiums of $224 per month for both.

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

Where you live can play a sizable role in how much you pay for auto insurance. Usually, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

Frankenmuth Wolverine Mutual
Urban Areas$399$344
Suburban Areas$288$192
Rural Areas$266$137

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

Policyholders in rural ZIP codes see the cheapest premiums from both companies, but Wolverine Mutual comes out on top with average rates about $137 a month. Wolverine Mutual also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a 14% and 33% a month respective difference when compared to Frankenmuth policyholders in similar areas.

Frankenmuth vs. Wolverine Mutual Discounts

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

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by Frankenmuth and Wolverine 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 Wolverine Mutual
ABS Discount 
Advance Quote Discount 
Defensive Driver Discount 
Distant Student Discount
Family Discount 
Good Driving Discount
Good Student Discount 
Group Discount 
Life Policy Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount 
Passive Restraint Discount
Renewal Discount 
Seat Belt Discount 

Looking at the total number of discounts, Frankenmuth comes out ahead with 11 discounts to Wolverine Mutual's nine.

A couple of those are overlapping for things like distant student discounts, multi-policy discounts, and passive restraint discounts. Frankenmuth also offers advance quote discounts, defensive driver discounts, family discounts, and more that Wolverine Mutual does not.

On the flip side, Wolverine Mutual has a couple unique discounts of its own -- ABS discounts, discounts for being a good student, military discounts, and more.

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Final Thoughts: Is Frankenmuth or Wolverine 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 carrier offers. That's all well and good, but at the end of the day, which company is the right carrier for you and your specific profile and needs?

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

  • You have less-than-stellar credit.
  • You're looking for more protection with "full coverage" auto insurance.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

Frankenmuth might be best for you if...

  • You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Frankenmuth and Wolverine Mutual. We also hope we've given you the information you need to make the best decision about your auto 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 car insurance -- comparing quotes from a handful of companies, not just Frankenmuth and Wolverine Mutual. Luckily, does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

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Frankenmuth vs. Wolverine Mutual FAQs

Is Frankenmuth or Wolverine Mutual cheaper?

Looking just at the national average prices, Wolverine Mutual is the cheaper of the two companies, offering average rates of $224 per month compared to $318 for Frankenmuth. But Wolverine Mutual won't necessarily be the most affordable carrier for each policyholder, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Frankenmuth or Wolverine Mutual?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for every driver -- it all depends on what your unique car insurance profile looks like.

Why do Frankenmuth and Wolverine Mutual offer me different rates?

Auto insurance carriers take a look at many different variables when calculating the premiums they charge drivers. Factors like where you park your car, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Frankenmuth and Wolverine Mutual calculate prices differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the 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, sites like 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 car insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Frankenmuth or Wolverine Mutual at all!


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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