Frankenmuth Mutual Insurance Review & Ratings (2024)

Learn about their competitive rates, available discounts, and what customers have to say about their personalized service and claims process. With over 150 years of experience, Frankenmuth Mutual Insurance has built a reputation for financial stability and reliable coverage. Compare quotes and protect what matters most to you. Enter your ZIP code now.

UPDATED: Nov 27, 2023Fact Checked

Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 27, 2023Fact Checked
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Frankenmuth Mutual Insurance

Average monthly rate for good drivers:

$100

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Competitive rates
  • Personalized service
  • Positive customer feedback on claims process
  • Extensive history and financial stability
  • Multi-channel claims filing options

Cons

  • Limited coverage area (primarily Midwest)
  • Limited digital tools and resources compared to larger insurers
  • Availability of discounts may vary by location
  • Limited information on online user experience
  • Some customers reported minor inconveniences (based on reviews)

Final Verdict: Review of Frankenmuth Mutual Insurance

Frankenmuth Mutual Insurance is a regional insurance provider that has been serving customers in the Midwest and other states for over 150 years. The company’s mission is to provide personalized service and competitive rates to customers who are looking for affordable and reliable insurance coverage.

Read more: Car Insurance Discount Region

Frankenmuth Mutual Insurance offers a range of coverage options for auto, home, business, and personal insurance, with discounts available to help customers save money on their policies.

While the company’s coverage area is limited to a few states, customers who work with Frankenmuth Mutual Insurance report generally positive experiences, with many customers praising the company’s personalized service, competitive rates, and ease of claims process.

To learn more about Frankenmuth Mutual Insurance and to obtain a quote for coverage, customers can contact the company directly or work with an independent insurance agent.

What You Should Know About Frankenmuth Insurance

Address: One Mutual Avenue
City: Frankenmuth
State: MI
ZIP Code: 48787
Phone Number: (989) 652-6121
Fax: (989) 652-4064
Website: fmins.com

AM Best Rating: A

Welcome to our comprehensive guide on Frankenmuth Mutual Insurance and its offerings. In this article, we will delve into the key aspects of Frankenmuth Mutual Insurance, including its coverage options, costs, discounts, and customer feedback. Whether you’re in need of auto, home, business, or personal insurance, we’ve got you covered. Discover the competitive rates and personalized service that Frankenmuth Mutual Insurance provides.

Interesting Attributes of Frankenmuth Mutual Insurance:

  • Frankenmuth Mutual Insurance has been in business since 1868, making it one of the oldest insurance companies in the United States.
  • The company has an A.M. Best rating of “A” (Excellent), indicating that it has a strong financial position and a good ability to meet its obligations to policyholders.
  • Frankenmuth Mutual Insurance offers a wide range of insurance products, including car insurance, home insurance, business insurance, and more.

To ensure you make the best choice for your insurance needs, we encourage you to compare rates from the top insurance providers in your area. Enter your ZIP code now and find the coverage that offers the protection you deserve at the best possible rates.

Frankenmuth Mutual Insurance History and Mission

Frankenmuth Mutual Insurance has a long history that dates back to 1868, when it was founded in Frankenmuth, Michigan. The company was originally established as a mutual insurance company, meaning that it is owned by its policyholders, rather than by shareholders.

The company’s founders were a group of German settlers who were concerned about the lack of insurance options in their community, and they decided to band together to form their own insurance company. Over the years, Frankenmuth Mutual Insurance has grown and expanded, and it now serves customers in several states across the country.

However, the company has remained committed to its original mission of providing high-quality insurance products and services to its policyholders. According to the company’s website, its mission is “to provide peace of mind to our policyholders by protecting their homes, businesses, and personal property through excellent insurance products and services.”

The company’s history and mission reflect its focus on providing personal, attentive service to its customers. As a mutual insurance company, Frankenmuth Mutual Insurance is owned by its policyholders, which means that the company is accountable to its customers, rather than to outside shareholders.

Frankenmuth Insurance Coverage Options

Frankenmuth Mutual Insurance offers a range of insurance products and services to its customers. Here’s an overview of the main coverage options that the company offers:

  • Auto insurance: Frankenmuth Mutual Insurance offers comprehensive coverage for cars, trucks, and other vehicles. This coverage includes liability, collision, and comprehensive coverage, as well as additional options like roadside assistance and rental car reimbursement.
  • Home insurance: The company’s home insurance policies provide coverage for a wide range of events, including damage to the home or personal property, liability claims, and loss of use. Additional coverage options are also available, such as water backup, personal injury liability, and identity theft protection.
  • Business insurance: Frankenmuth Mutual Insurance offers a range of business insurance products, including coverage for commercial property, general liability, workers’ compensation, and more. The company also offers specialized coverage for specific industries, such as restaurants, auto service businesses, and non-profits.
  • Umbrella insurance: This coverage provides additional liability protection beyond the limits of the underlying insurance policies. It is designed to protect against large liability claims that may exceed the limits of the underlying insurance policies.
  • Life insurance: Frankenmuth Mutual Insurance offers several types of life insurance policies, including term life, whole life, and universal life insurance. These policies provide financial protection to policyholders and their families in the event of an unexpected death.
  • Farm insurance: The company also offers specialized insurance coverage for farms, including coverage for farm buildings, equipment, livestock, and liability claims.

States Where Frankenmuth Mutual Insurance is Provided

Frankenmuth Mutual Insurance provides insurance services in several states across the country. The states where the company is currently licensed to provide insurance services include:

  • Michigan
  • Indiana
  • Ohio
  • Illinois
  • Kentucky
  • Tennessee
  • Arizona
  • Wisconsin

Read more: Kentucky Car Insurance Discounts

While Frankenmuth Mutual Insurance operates primarily in the Midwest, the company has expanded its coverage to other regions in recent years. The company’s focus on personalized service and competitive rates has helped it build a loyal customer base in the states where it operates.

Read more: Tennessee Car Insurance Discounts

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Frankenmuth Insurance Rates Breakdown

The cost of Frankenmuth Mutual Insurance policies can vary depending on several factors, including the type and amount of coverage, the insured location, the age and driving record of the driver, and the insured property’s value. Here’s a breakdown of the factors that can affect the cost of coverage:

  • Coverage type: The cost of coverage will depend on the type of policy selected. For example, auto insurance policies with comprehensive coverage and lower deductibles will typically cost more than liability-only coverage with higher deductibles.
  • Location: The cost of coverage can vary depending on the insured location. Insurance rates in some areas may be higher due to higher risk factors, such as high crime rates, natural disasters, or severe weather patterns.
  • Driver profile: The cost of auto insurance coverage may be affected by the age, driving history, and credit score of the driver. Younger drivers and those with a history of accidents or traffic violations will typically pay more for coverage.
  • Value of insured property: The value of the property being insured will also affect the cost of coverage. Higher-valued homes, vehicles, or equipment will require higher coverage limits, which can increase the cost of insurance.
  • Discounts: Frankenmuth Mutual Insurance offers a range of discounts to policyholders that can help lower the cost of coverage. These discounts may be available for good driving records, multiple policies, safety features in vehicles, and more.

While the cost of coverage will vary depending on the factors listed above, Frankenmuth Mutual Insurance is known for offering competitive rates and personalized service to its customers.

Frankenmuth Insurance Discounts Available

Frankenmuth Mutual Insurance offers a range of discounts to help customers save money on their insurance policies. Here are some of the discounts available:

  • Safe driver discount: This discount is available to drivers who have maintained a clean driving record for a specified period. The length of the period and the requirements for a clean driving record may vary by state.
  • Multi-policy discount: Customers who have more than one policy with Frankenmuth Mutual Insurance, such as home and auto insurance, can qualify for a discount on their premiums.
  • Good student discount: Full-time students who maintain a certain grade point average can qualify for a discount on their auto insurance premiums.
  • Anti-theft discount: Customers who install anti-theft devices in their vehicles can qualify for a discount on their auto insurance premiums.
  • Homeowner discount: Homeowners who also have auto insurance policies with Frankenmuth Mutual Insurance can qualify for a discount on their auto insurance premiums.
  • Electronic payment discount: Customers who sign up for electronic payments can qualify for a discount on their premiums.

Claims Process at Frankenmuth Mutual Insurance: Streamlined and Hassle-Free

Ease of Filing a Claim (online, over the phone, mobile apps)

Frankenmuth Mutual Insurance understands the importance of a smooth and convenient claims process for its policyholders. The company offers multiple avenues for filing a claim, ensuring flexibility for its customers. Policyholders can choose to file a claim through the user-friendly online portal, over the phone with dedicated claims representatives, or even through the convenience of mobile apps.

This multi-channel approach allows customers to select the method that suits them best, enhancing the overall ease of the claims process.

Average Claim Processing Time

One critical aspect of any insurance company is the speed at which it processes claims. Frankenmuth Mutual Insurance prides itself on a prompt claims processing system. While the exact processing time may vary depending on the nature and complexity of the claim, the company is committed to minimizing the waiting period for its policyholders. This commitment to efficiency contributes to a positive claims experience.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when evaluating an insurance company’s performance in handling claims. Frankenmuth Mutual Insurance has garnered positive reviews from its customers regarding claim resolutions and payouts. Policyholders have expressed satisfaction with the company’s promptness in settling claims and the fairness of the payout amounts.

This positive feedback reflects the company’s dedication to ensuring that customers are well taken care of during challenging times.

Discover Advanced Digital and Technological Features at Frankenmuth Mutual Insurance

Mobile App Features and Functionality

Frankenmuth Mutual Insurance recognizes the importance of technology in enhancing the overall customer experience. The company offers a feature-rich mobile app designed to provide policyholders with easy access to their insurance information. The app includes functions for viewing policies, making payments, and even filing claims directly from a mobile device.

These features empower customers with the convenience of managing their insurance needs on the go.

Online Account Management Capabilities

In addition to the mobile app, Frankenmuth Mutual Insurance offers robust online account management capabilities through their website. Policyholders can log in to their accounts to access policy documents, view billing information, and make policy changes. This online portal provides a convenient and efficient way for customers to stay in control of their insurance policies.

Digital Tools and Resources

To further assist its policyholders, Frankenmuth Mutual Insurance provides a range of digital tools and resources. These resources may include informative articles, calculators, and other online aids to help customers make informed decisions about their insurance coverage.

By offering these digital tools, the company aims to empower its customers with the knowledge they need to choose the right insurance options for their unique needs.

How Frankenmuth Insurance Ranks Among Providers

In the highly competitive insurance industry, Frankenmuth Mutual Insurance faces competition from various companies striving to provide excellent coverage and services to customers. Understanding the landscape of its main competitors is crucial for consumers seeking the best options for their insurance needs:

  • State Farm: State Farm is one of the largest and most well-known insurance providers in the United States. With a diverse range of insurance products and a vast network of agents, State Farm competes with Frankenmuth Mutual by offering extensive coverage options and a strong national presence.
  • Allstate: Allstate is recognized for its innovative features like Drivewise and a wide array of insurance offerings, including auto, home, and life insurance. Similar to Frankenmuth, Allstate aims to provide personalized service and competitive rates, making it a significant competitor in the insurance market.
  • Progressive: Progressive has gained prominence through its unique approach, particularly with its use of technology and the “Name Your Price” tool. As a leader in auto insurance, Progressive competes with Frankenmuth by offering online tools for policy management and a focus on providing a seamless customer experience.
  • Farmers Insurance: Farmers Insurance, known for its extensive agent network and comprehensive coverage options, competes with Frankenmuth Mutual in offering personalized service. Farmers caters to a broad customer base and provides various discounts, making it a formidable competitor in the insurance market.

In the dynamic landscape of insurance, competition among companies is fierce. Frankenmuth Mutual Insurance competes with giants like State Farm, Allstate, Progressive, and Farmers Insurance. Each of these competitors brings its own strengths, whether through a national presence, technological innovations, or a wide array of coverage options.

As consumers explore their insurance options, understanding the offerings and strengths of these competitors alongside Frankenmuth Mutual will help in making informed decisions based on individual needs and preferences.

Frankenmuth Mutual Insurance Customer Reviews

Frankenmuth Mutual Insurance has received generally positive reviews from customers. Here are some of the company’s strengths and weaknesses based on customer feedback:

Strengths:

  • Personalized service: Many customers appreciate the company’s personalized service and attention to detail. Customers report that representatives and agents are knowledgeable, responsive, and helpful.
  • Competitive rates: Customers report that Frankenmuth Mutual Insurance offers competitive rates compared to other insurance providers. The company is known for its value and for offering affordable coverage options.
  • Ease of claims process: Many customers report that the claims process with Frankenmuth Mutual Insurance is straightforward and easy to navigate. Customers appreciate the quick response times and efficient claims handling.

Weaknesses:

  • Limited coverage area: Some customers have reported that Frankenmuth Mutual Insurance has limited coverage areas, which can be a drawback for customers who live outside the states where the company provides insurance services.
  • Limited online tools: Some customers have reported that the company’s online tools and resources could be improved, including the customer portal and online billing options.
  • Difficulty getting in touch with customer service: Some customers have reported difficulty getting in touch with customer service representatives during peak times, which can be frustrating for customers who need assistance with their policies.

Overall, Frankenmuth Mutual Insurance has received positive reviews from customers, with many customers praising the company’s personalized service and competitive rates.

Frequently Asked Questions

What is Frankenmuth Mutual Insurance?

Frankenmuth Mutual Insurance is a property and casualty insurance company that provides personal and commercial insurance products.

How long has Frankenmuth Mutual Insurance been in business?

Frankenmuth Mutual Insurance was founded in 1868, which means it has been in business for over 150 years.

What types of insurance products does Frankenmuth Mutual Insurance offer?

Frankenmuth Mutual Insurance offers a variety of personal and commercial insurance products, including auto insurance, home insurance, renters insurance, umbrella insurance, and business insurance.

Is Frankenmuth Mutual Insurance a reputable insurance company?

Frankenmuth Mutual Insurance has received a financial strength rating of A (Excellent) from A.M. Best, which indicates that it is a financially stable and reputable insurance company.

How can I obtain a quote from Frankenmuth Mutual Insurance?

To obtain a quote from Frankenmuth Mutual Insurance, you can visit their website, call their toll-free number, or contact a local agent.

Does Frankenmuth Mutual Insurance offer discounts on their insurance products?

Yes, Frankenmuth Mutual Insurance offers discounts on their insurance products, such as safe driver discounts, multi-policy discounts, and discounts for certain safety features in your home.

How can I file a claim with Frankenmuth Mutual Insurance?

To file a claim with Frankenmuth Mutual Insurance, you can call their claims department, visit their website, or contact your local agent.

Does Frankenmuth Mutual Insurance have good customer service?

Frankenmuth Mutual Insurance has received positive reviews for their customer service. Customers have reported positive experiences with their claims process and interactions with customer service representatives.

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Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Frankenmuth Insurance

4.23 (32 reviews)
5
July 30, 2019

Carswellscs

Least expensive, same coverage

Outstanding company for Wayne county, mi residents looking to drastically reduce their premiums. Not sure at all how their formula is different for others but they saved me over $150 a month
4
June 14, 2018

LivinLarge

Very reasonably priced auto insurance, no complaints so far.

Overall, Frankenmuth is a reasonably priced insurance company that is easy to start with. I would recommend this to friends with accident history or parents of teen drivers.
5
June 12, 2018

Realtree4life

My insurance company

They do a great job I have never had any problems with them and they answer all of my claims in no time
3
April 18, 2018

Davidmiller1987

This is my review about frankenmuth insurance.

This insurance was very affordable. I bought a full year of auto insurance. Knock on would but, no accidents or any other reason to call my insurance but it was affordable.
2
April 17, 2018

Jackies

Inconvenience

Raises premiums without consulting, does not work well on homeowners claims. Better rates and notify of hikes.
5
February 8, 2018

Bcrandall

I would recommend Frankenmuth Insurance to everyone!

This company is awesome! They have helped us so much throughout the years with claims. Great customer service too!
5
February 7, 2018

smilinmtk

Frankenmuth Inurance

They are always very helpful, though I never filed a claim, but if an issue arises I get all the problem resolved, or if I have a question, I get answers quickly.
4
January 26, 2018

lineberry2000

Great Company

They are easy to work with when you have a claim. . They settle claims quickly. They have excellent customer service. They have road service that they will send out to you and they arrange the whole thing and keep you posted as to when your help will arrive. If you have a claim and need to use a rental car the insurance agent handling your claim will set up your rental for you so you don't have to take the time to do so. If you want to pick ...
They are easy to work with when you have a claim. . They settle claims quickly. They have excellent customer service. They have road service that they will send out to you and they arrange the whole thing and keep you posted as to when your help will arrive. If you have a claim and need to use a rental car the insurance agent handling your claim will set up your rental for you so you don't have to take the time to do so. If you want to pick out your own rental car agency that is allowed too. They work with some outstanding body shops to do the work for you. I was very satisfied with a claim I had a year ago when the wind knocked down a basketball hoop onto my car.
5
December 9, 2017

Betya

Great

Great company, awesome agency, good service competitive rates. Coverage options are excellent. The agency staff is superior.
5
November 7, 2017

frankenmuth

pretty good

prices are lower than the others claims process promptly, no problems my agent checks prices twice a year, it's still the best.
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