Pennsylvania drivers may have heard of Franklin Insurance, a small agency offering a variety of insurance products, including auto coverage. How does Franklin stack up to bigger insurers? Let’s find out as we review coverage and pricing, then compare Franklin Insurance to some of the best car insurance companies nationwide.

When you’re ready to start comparing personalized car insurance quotes, enter your zip code below or call (844) 246-8209 to get free, personalized quotes seven days a week.

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Franklin Insurance Overview

Franklin Insurance is an independent insurance agency in Pennsylvania that can help drivers find an auto insurance policy from within its network of providers. The agents at Franklin Insurance work with multiple providers so you have access to more coverage and price options.

Through Franklin’s network, drivers have access to policies from Progressive car insuranceTravelers car insuranceNationwide car insurance, and more.

In addition to auto, Franklin Insurance agency customers can get the following types of coverage:

  • Home insurance
  • Business insurance
  • Life and health insurance
  • Boat and marine insurance
  • Flood insurance
  • High net worth insurance
  • Motorcycle insurance
  • Renters insurance

Franklin Auto Insurance Coverage

In order to find the best car insurance for you, Franklin Insurance agents will discuss your needs, determine short-term and long-term objectives, and answer any questions you may have about the insurance process. Then, you can choose the policy that best suits you and obtain auto insurance in Pennsylvania.

Some car insurance coverage options from Franklin Insurance include:

Coverage options from the providers Franklin Insurance works with may vary from one to the next. You may also see choices for car insurance coverage add-ons like roadside assistance and rental car reimbursement.

Franklin Insurance Cost And Discounts

With Franklin Insurance, you will have to choose a provider to underwrite your auto insurance policy. Your insurance premium costs will depend on:

  • Your age, gender, and marital status
  • The year, make, and model of your car
  • Location
  • Driving record
  • Your deductible

Our cost estimate research shows that the average driver pays around $1,404 annually for comprehensive car insurance in Pennsylvania. The table below shows cost estimates from leading providers in Pennsylvania based on the profile of a 35-year-old individual with a clean driving record and good credit. Keep in mind that your own car insurance rate will depend on your specific circumstances.

Car Insurance ProviderAverage Annual Cost Estimate
State Farm$1,425

Discounts through Franklin Insurance depend on the underwriting provider, though you may see discounts for being a safe driver, good student, and more.

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Franklin Insurance Reviews

Franklin Insurance does not have a Better Business Bureau (BBB) profile and has no reviews on Facebook or Yelp. Of its two locations in Pennsylvania, one has no reviews, and one has a single five-star review.

The only reviews we could find for Franklin were on its website, which are testimonials that the agency chose to share. It should be noted that businesses usually only share positive testimonials on their own websites. Here’s what one customer had to say:

“I have a sense of peace knowing I can call my agent anytime I wonder if I am covered for something. And not to mention the over $300 in savings I received when I switched from Geico to Franklin (I was with Geico for 19 years) for my car insurance. I feel like they are looking out for me and my best interests…”

-A.G. via Franklin Insurance website

Our Verdict On Franklin Insurance

Overall, we think Franklin Insurance is a decent choice for car insurance if you want to work with an agency rather than a direct provider. We do wish there was more information available about Franklin’s auto insurance coverage and the customer experience, but we like the auto insurance providers that the agency has chosen to work with.

As with any agency, Franklin Insurance comes with its advantages and disadvantages. The biggest advantages are the personal connections with agents and the variety of coverage available to you through multiple providers. On the other hand, agencies sometimes have deals with certain providers and may push coverage that isn’t necessarily the best choice, so it’s important to make sure you trust any agency you plan on working with.

Any time you shop for car insurance, you should consider all of your options. When we reviewed the best providers in the industry, Geico and USAA were the two that came out on top. Read on to see how they compare to Franklin Insurance, or start getting free quotes from multiple highly rated insurers by entering your zip code below or calling (844) 246-8209.

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Geico: Best Overall

We named Geico the best insurance provider overall for its low rates, extensive coverage, and high customer service ratings. As the second-largest insurer in the nation, Geico offers many types of auto insurance, including standard policies and additional coverage like roadside assistance, rental car reimbursement, and mechanical breakdown insurance – so you know you are covered.

Geico has received top marks from institutions such as the BBB and AM Best, with an A+ rating and A++ financial strength rating, respectively. With Geico, you can qualify for any number of discounts depending on your background. Ask about discounts for military, students, bundling home and auto, adding multiple vehicles to your policy, and more.

Read more in our full Geico auto insurance review.

USAA: Best For Military

Geico is our first choice for most drivers, but for those who qualify, USAA car insurance is a smart decision. The insurer only serves military members, veterans, and their families.

USAA has an impeccable reputation for customer satisfaction, having topped many J.D. Power studies, and holds an A++ financial strength rating from AM Best. Coverage includes standard auto insurance, accident forgiveness, roadside assistance, and rental reimbursement, and USAA has great discount opportunities, too. For example, military members that garage a vehicle on base can save up to 20 percent.

Read more in our full USAA auto insurance review.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.