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 insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 18, 2021

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Key takeaways...

  • Republic-Franklin Insurance Company Car Insurance was established in 194 as two separate companies.
  • A. M. Best gave Republic-Franklin an A- for financial strength
  • They offer a wide variety of personal and commercial insurance plans

The Republic-Franklin Insurance Company Car Insurance review reveals that the Republic-Franklin Insurance Company is a subsidiary of the Utica National Insurance Group.

The Utica National Insurance Group began in 1914 as two separate principle companies. These principle companies were the Graphic Arts Mutual Insurance Company and the Utica Mutual Insurance Company.

Take the hassle out of shopping for car insurance by using our free online tool today. Start comparing car insurance rates now by entering your zip code in the box above!

More About Republic-Franklin

The Republic-Franklin Insurance Company, working through the Utica National Insurance Group, is one of the leading insurance companies in the United States.

A. M. Best, the top financial security rating provider in the United States, gave the Utica National Insurance Group, an A- (Excellent) rating.

As a subsidiary of the Utica National Insurance Group, the Republic-Franklin Insurance Company offers many types of personal and commercial insurance coverage options.

The types of personal insurance that the Utica National Insurance Group and Republic-Franklin Insurance Group offers include:

  • Car
  • Homeowners
  • Boat
  • Snowmobile
  • Motorcycle
  • Umbrella
  • Tenants
  • Identity theft insurance

A Utica National Insurance Group car insurance policy comes with many coverage options and discount opportunities.

Features such as accident forgiveness, vanishing deductible, and a paid in full discount for making one annual payment instead of monthly premium payments make a Utica National Insurance Group car insurance policy the right choice for many people.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

To compare the car insurance quotes from the Utica National Insurance Group to other companies in your area now!  Simply enter your zip below to get started for FREE!


  1. http://ambest.com/
  2. https://www.geico.com/homeowners-insurance/
  3. https://www.thehartford.com/commercial-umbrella-insurance