Franklin Auto Insurance Review for 2023

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Chris Tepedino

Insurance Feature Writer

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Insurance Feature Writer

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Licensed Insurance Agent

UPDATED: Jun 20, 2022

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Although the entity known as Franklin Insurance has only existed since 1989, the company itself has a long history of changing ownership dating all the way back to the 1920’s. Today, however, it operates primarily in the state of Pennsylvania with some offices also located in the New Jersey area. Instead of serving just one company, the independent agents at Franklin work with their customers to find reliable providers who can offer them peace of mind at an affordable price.

Franklin Insurance Review

Given the relative youth of the company, customer reviews are hard to find. There are a handful of positive testimonials on the company website, however. Their rating with the BBB seems to back these testimonials up, seeing as how they have earned an A+ with the organization. Financially speaking, they also look stable according to A.M. Best, a credit rating agency.

Rating Agency Rating
A.M. Best A (excellent)
Better Business Bureau (BBB) A+

Franklin Insurance Discounts

Franklin, being the small company that it is, prefers to inform its customers about their insurance options in person. This includes information about potential discounts. If you contact a Franklin insurance agent, be sure to ask them about discounts which might be relevant to your unique circumstances. Some of these may include:

  • Bundling discounts (for multiple vehicles, married couples, home + auto, and more)
  • Good Driver Discounts
  • Low Mileage Discounts
  • Discounts for Safety Equipment (ABS, air bags, anti-theft alarms, and more)
  • Loyalty Discounts
  • And more

Franklin Auto Insurance Options

On the company website, Franklin does a fair job of explaining the main components of their auto policies. Beyond that, they fail to go into detail about specific coverage options, unique forms of coverage that you might not find from other agencies, or how customizable the policy is. They break their coverage down into two different categories:

  • The Liability Section – this part of your Franklin insurance policy covers your financial responsibility for injuring others. They do not, unfortunately, go into detail about the difference between bodily injury or property damage Liability.
  • The Car Itself – Franklin auto policies also cover your particular piece of property – in this case, your vehicle. This is the part if the policy which includes Comprehensive, Collision, Ancillary Medical, and Rental Car coverage which may or may not be included in your policy based on state laws.

Comparing Franklin Insurance Quotes

Franklin Insurance is a small company operating in several cities across Pennsylvania and New Jersey. They still operate based on an in-person, direct approach to their customers. For these reasons, it can be hard to find accurate quotes online (although their website does offer a secure quote in exchange for your personal contact information).

Average Auto Insurance ComparisonLegend: Allstate State Farm Mercury Average Rate Illinois AverageCalifornia AverageTexas AverageFlorida AverageNew York Average 50100150200250300350$52$34$89$34$146$139$88$64$71$89$260$105$147$230$353$126$72$93$231$93

Illinois Average
California Average
Texas Average
Florida Average
New York Average







If you contact a Franklin agent and receive a quote, be sure to put that number in context. The chart above, for example, shows what other drivers across the country for their coverage. If the quote you get from Franklin doesn’t seem to fit in with what you expected, then comparing them to local competition might be the next step.

Pros and Cons of Franklin Insurance

Pro Con
Several offices located in PA and in parts of NJ Not available in all states
Direct-to-customer personal service Very little online presence

If you live in the NJ/PA area and are looking for affordable insurance from a financially stable company which relies on in-person customer service, then you might want to contact Franklin and request a quote. Just remember that there are many insurance companies out there, and they are all competing for your business. To get the best deal, you have to compare at least 3-5 quotes before you can know for sure that you’re getting the most affordable rate.

Company Headquarters
104 13th street
Franklin, PA 16323

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