Republic-Franklin Auto Insurance Review (2020)

In this Republic-Franklin auto insurance review you’ll find the company offers property and casualty coverage to the educational, printing, and municipal services industries (such as fire departments). Republic-Franklin Insurance Company ratings are A- from A.M. Best, and its complaint index is well below average. Republic-Franklin Insurance Company is owned by Utica National Insurance Company.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 11, 2020

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Company Details
Address: 2600 Corporate Exchange Drive, Suite 200
City: Columbus
State: OH
ZIP Code: 43231-1663
Phone Number: 614-823-5300
Year Founded: 1914
AM Best Rating: A-
Company Rating 0 (0 reviews)

This Republic-Franklin Auto Insurance Company review looks at Columbus, Ohio-located Republic-Franklin Insurance Company. Republic-Franklin is an operating subsidiary of the Utica Mutual Insurance Company, based in New Hartford, New York.

If you’re considering a new auto insurance carrier, then continue read on to learn about Republic-Franklin Insurance Company.

We discuss the company’s agents, products, services, and auto insurance discounts, as well as the Republic-Franklin insurance claims phone number and other important information like basics on its parent company. We can help you determine if the company’s auto insurance products and services suit your needs.

Don’t wait another minute to request free auto insurance quotes; type your ZIP code into the box on this page to start saving money on auto insurance rates. Then read our Republic-Franklin auto insurance review below.

Republic-Franklin Auto Insurance Rates

Republic-Franklin Insurance Company and its parent company are property and casualty insurers. Republic-Franklin focuses on the needs of clients in the educational, printing, and municipal services industries (such as fire departments).

The company’s sister insurance companies include Graphic Arts Mutual Insurance, Utica National Insurance, and Utica National Insurance Company of Texas. This gives Republic-Franklin Insurance Company Utica, NY connections.

Car insurance rates from Republic-Franklin insurance will vary based the size of your company, the number of vehicles you need covered, the purpose and use of the vehicle, and more.

With this many variables, it’s difficult to obtain an “average” insurance rate. However, because it is a smaller company, you may be able to get better rates and more personalized service. 

Smaller companies are often able to offer lower rates because the customer base is smaller and can be focused on lower risk insureds. Additionally, with a smaller customer base, companies like Republic-Franklin may be able to provide more customized coverage.

The benefit to a company like Republic-Franklin is that you get the best of both worlds: the smaller company feel and the financial backing from a larger parent company.

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Republic-Franklin Auto Insurance Coverages Offered

As we noted earlier, Republic-Franklin Auto Insurance is a property and casualty insurance coverage company. The company provides coverage to industries like education, printing, and municipal services like fire departments, sanitation, and more.

What are Republic-Franklin’s bundling options?

Combining Republic-Franklin auto insurance with a personal liability policy or homeowner policy can reduce your auto insurance rates with Utica National and its portfolio of insurance companies.

What discounts are offered by Republic-Franklin?

A number of discounts are available through Republic-Franklin. We’ll discuss some in this section, and provide further detail on other discounts in the following section.

Clients may receive auto insurance rate discounts for low mileage on a personal or collector vehicle.

By pre-paying the annual premium in full, the insured driver may also command an additional auto insurance discount.

What programs are available from Republic-Franklin?

Republic-Franking Insurance company insureds in New York and New Jersey customers may take advantage of a direct repair program: repairs provided to customers’ vehicles by Utica National-approved repair shops are guaranteed for as long as the customer owns the car.

Their Personal EDGE auto insurance policy offers:

  • Diminishing deductibles – That is, the driver’s car insurance deductible for collision coverage declines for every year they don’t submit a collision claim. The collision deductible reduction must be limited to the minimums established by each state in which the company writes auto insurance policies.
  • Accident forgiveness – A first accident may be waived if the driver has driven without any other accidents in the last three years.
  • Emergency expenses – A driver’s emergency living expenses are paid when vehicle repairs must occur away from home.
  • Airbag problems – The Personal EDGE covers the costs of airbag replacement when the airbag accidentally inflates.
  • Multiple vehicle discounts – Drivers receive multiple vehicle auto insurance discounts even when they insure only one car.
  • Green fuel discounts – Drivers receive auto insurance rate discounts for environmentally-friendly low-emissions cars and fuels.

Auto insurance customers may take advantage of convenient premium payment plans. Clients may choose to pay premiums online or through electronic fund transfer.

Republic-Franklin Insurance and Utica National Insurance

Utica National acquired Founders Insurance of Illinois in 2010. The acquisition helped the company to expand both its geographic reach and products. Founders Insurance writes property & casualty insurance in the Midwest for non-standard drivers.

Non-standard drivers may be considered “high-risk” drivers. Additionally, Founders Insurance writes commercial property and liability coverage for liquor businesses.

Founders Insurance company reviews through the Better Business Bureau the company is accredited and has an A+ rating.

The company has a single customer service number, regardless of where you live. For example, if you need to contact Founders Insurance in Ohio, the phone number is 1-800-972-8778, and this number is usable in every state in which the coverage is offered.

Utica National is best known for its niche insurance business in writing Errors & Omissions (E&O) insurance. E&O insurance is also known as professional indemnity insurance (PII) or professional liability insurance (PLI).

This kind of insurance assists professional service providers in bearing the costs of lawsuits claiming negligent acts in a civil court case.

The company generated approximately $1.04 billion in premiums written in the 2019 fiscal year. The company derived net income of about $100 million during the period.

Utica National and its portfolio companies compete most actively with State Farm, The Travelers Companies, and Markel.

The companies compete regionally with American Financial Group, Liberty Mutual, USAA, PMA Companies, White Mountains Insurance Group, Allstate, the Tower Group, and Amica Mutual.

The Utica Insurance customer service number is 800-598-8422, but the company only answers this number Monday through Friday, 8:00 a.m. – 6:00 p.m., so if you need to contact them during off hours, you can use the form on their website.

How to Make a Republic-Franklin Auto Insurance Claim

If you need to file Republic-Franklin Insurance claims, your best bet is to call the company. The Republic-Franklin Insurance Company claims phone number is 614-823-5300; this is also their general service and customer service line.

Filing a claim with the company may differ based on the type of policy.

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Republic-Franklin Insurance Company Ratings

Republic-Franklin and Utica National insurance companies are motivated to offer reliable insurance coverage, fair claims services, and exceptional customer service. According to the company website, the company currently has a 98 percent customer satisfaction rate.

We looked at the Republic-Franklin Insurance Company A.M. Best rating and found an A- minus rating. According to A.M. Best, this means the company’s outlook for the future is positive. Take a look at this video for some additional information on A.M. Best.

We also looked at complaint data from the National Association of Insurance Commissioners (NAIC) to see how Republic-Franklin compares to other companies in the industry.

NAIC Complaint Index for Republic-Franklin Auto Insurance
Total Number of Complaints144
Annual Premiums$225,861,675$248,654,643$271,190,706
Share of Premiums U.S. Market0.015%0.016%0.016%
Share of Complaints in the U.S. Market0.002%0.007%0.009%
Complaint Index0.130.470.52
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When looking at this table, it is important to remember that an average complaint ratio is represented by the number one, so any company with a complaint ratio below one receives less than the average complaints.

As you can see, the average complaints for Republic-Franklin have increased over the three year period shown in the table, but complaints remain well below average.

Republic-Franklin Insurance Agents

Republic-Franklin auto insurance products are sold by a network of approximately 1,200 independent auto insurance brokers and agents throughout the United States.

Insurance agents interested in marketing the company’s auto insurance products should submit a resume and cover letter through the company’s website by clicking on the “Careers” Section. Parent company Utica National employs approximately 1,500 people in all locations.

Utica National also routinely seeks customer service, finance, underwriter, information technology, and claims professionals on an employed basis.

The Bottom Line: Republic-Franklin Auto Insurance

Republic-Franklin Auto Insurance offers coverage property and casualty business auto coverage to the educational and printing industries as well as to municipal services.

Republic-Franklin is a subsidiary of Utica National Insurance, along with a number of other companies. If you’d like to get quotes for coverage from Republic-Franklin, you can call them directly. You can also compare rates by using a quote comparison tool like the one on this page.

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Frequently Asked Questions: Republic-Franklin Auto Insurance Company Review

Still have questions about Republic-Franklin auto insurance and other insurance information? Read these frequently asked questions to learn more.

#1 – What is Graphic Arts Mutual Insurance Company?

As we noted earlier, Graphics Arts Mutual Insurance Company is also a subsidiary and underwriter for Utica National Insurance.

If you need to contact the company, the Graphics Arts Mutual Insurance Company phone number is 1-315-734-2000, and the Graphic Arts Mutual Insurance Company claims phone number is the same.

#2 – What is Ausdance Insurance?

Ausdance Insurance is an Australian insurance company that offers indemnity and liability insurance coverage for dance studios, companies, and professional dancers in the country.

#3 – What is Franklin Mutual Insurance?

The Franklin Insurance Company offers various business and home insurance options. Franklin Mutual Insurance and Franklin Mutual Homeowners Insurance reviews from the Better Business Bureau (BBB) indicate that while it’s not accredited, the company does have an A+ rating.

This is not to be confused with Franklin Auto Exchange, which is a car dealership in North Carolina. Franklin Auto Exchange reviews from BBB indicate the company is not currently accredited, but has an average of a 4.2 out of 5 stars for customer satisfaction.

Finished with this Republic-Franklin auto insurance review? Request fast, free auto insurance quotes from top companies by typing your home ZIP code into the box on this page.

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