Frankenmuth vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Frankenmuth
Not Rated
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Insurify Composite Score

USAA
96
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Insurify Composite Score

Frankenmuth VS USAA
Not Rated
96
What is this?
User Ratings
OptionsFrankenmuth USAA
Rating/Reviews
8 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFrankenmuth USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFrankenmuth USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionFrankenmuth USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionFrankenmuth USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsFrankenmuth USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityFrankenmuth USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityFrankenmuth USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityFrankenmuth USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityFrankenmuth USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityFrankenmuth USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityFrankenmuth USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityFrankenmuth USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityFrankenmuth USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityFrankenmuth USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityFrankenmuth USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityFrankenmuth USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityFrankenmuth USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityFrankenmuth USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeFrankenmuth USAA
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Good Student--Varies
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
Multiple Vehicle--Up to 13%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeFrankenmuth USAA
Automatic Online Payment
--yes
Credit Card Payment yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
--yes
Pay Through Your Agent
yes--
Phone Payment
yes--

Features and Services

Features and ServicesFrankenmuth USAA
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFrankenmuth USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • Frankenmuth
  • USAA
  • Both

SR‌-22 Insurance by State

  • Frankenmuth
  • USAA
  • Both

Compare Insurance Products

ProductFrankenmuth USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Frankenmuth Reviews
  • USAA Reviews
2.9
5 Stars
38 %
4 Stars
13 %
1 Star
50 %

Most Helpful Review

By Barry S
Frakenmuth is a fantastic company. I have dealt with them for many years and have always had a positive experience. B.Sherman, New Hudson MI

Latest Review

By GERARD

All Reviews

Showing 1 - 8 out of 8 Reviews
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GERARD
Frank A
Had terrible time dealing with this company!! They did everything possible to drop the settlement as low as possible. Took weeks to get back to me, then changed things inside of the estimated damages to make it less for them. They dropped their own estimate and dropped the sq. Footage their guy measured!! This company may be good to the people they represent but they do everything they can to screw over the innocent homeowner or victim they are suppose to help!!
Barry S
Frakenmuth is a fantastic company. I have dealt with them for many years and have always had a positive experience. B.Sherman, New Hudson MI
Michael K.
Excellent company well represented
Will R.
I've represented Frankenmuth as an agent for 7 years and have all my best clients with them. That said, it gives me lots of chances to evaluate their service and long term consistency, and without a shadow of a doubt, they are the best company I’ve worked with over the past 23 years. There is plenty of room for criticism by people that rarely have a comparison, as even the best insurance companies deliver bad news regularly and under perform people’s expectations. But in my opinion Frankenmuth handles every aspect of the transaction better than the majority of insurance companies I highly recommend you consider Frankenmuth for your insurance, they are as good as it gets and won't disappoint you.
Sheri Larson
Frankenmuth has been our insurer of choice for many years. When the insurance office we used quit carrying Frankenmuth, we switched agencies to continue with them. We've used them for our autos, home and cottage. When I was hit last August by a drunk driver, our claim was handled quickly and professionally.
R. C.
Changed Insurance Companies from Frankenmuth Mutual to a competing insurance company because the new company saved my over 900.00 a year on premiums. I send email to Frankenmuth Agent, Szura Insurance Agency prior to the expiration of the Frankenmuth policy indicating I was not going to renew. Frankenmuth AFTER the termination date of the policy I was cancelling sent a bill for 205.35 additional premium even though their policy was not renewed. Contacted agent and she said, they would need to see a copy of the new policy -- which I indicated was not any of their business and refused. I have filed complaints with the BBB against Frankenmuth Mutual and the agent writing the policy.
R. K.
After three + weeks of working with claims department, still have vehicle sitting at dealer waiting for repair. Have sent four emails to Rachel in the claims department without a return call or email to get this resolved. I have spent a number of hours dealing with adjustors and claims agents to continue to get the run around. Once the work is complete, we will move our business elsewhere.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.