Allied Property & Casualty vs. Atlantic States: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Allied Property & Casualty offers significantly less expensive rates than Atlantic States
• Allied Property & Casualty offers cheaper average premiums for policyholders whose driving record contains an at-fault collision
• Atlantic States may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty or Atlantic States: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Allied Property & Casualty or Atlantic States as potential options, but which one has more affordable prices for insurance?

Looking at the national average rates for both carriers, Atlantic States is quite a bit more expensive than Allied Property & Casualty, with rates averaging $160 a month compared to just $118 with Allied Property & Casualty.

That being said, that doesn't necessarily mean Allied Property & Casualty will be the cheaper option for every driver. Auto insurance companies vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a variety of other factors. So, at the end of the day, rates from every company will differ quite a bit from person to person.

So, if you want to find out which of Allied Property & Casualty or Atlantic States is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Allied Property & Casualty vs. Atlantic States: Average Car Insurance Rates by State

Allied Property & Casualty and Atlantic States only compete against each other in one states, with Allied Property & Casualty offering less expensive prices to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty rates are $70 more affordable than car insurance premiums at Atlantic States.

That being said, there's a lot more that goes into your insurance cost than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 20% less per month by choosing Allied Property & Casualty over Atlantic States.

However, with both carriers, you'll see your rates lower significantly by the time drivers turn 25. For example, average premiums for Allied Property & Casualty policyholders decrease nearly 55% and Atlantic States's rates reduce over 45% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever find.

So, which company offers the best premiums to retired drivers? Allied Property & Casualty gets the edge here, with average rates coming in at around $89 monthly compared to Atlantic States's $119.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for single policyholders than they are for married policyholders. That's normally because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two companies is significant, with Allied Property & Casualty rates coming in at a quarter less than Atlantic States's. The advantage is also clear for married couples - Allied Property & Casualty offers the cheapest average prices.

Allied Property & Casualty or Atlantic States: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? That's because women are less likely to get speeding tickets and get into collisions, which lowers the chances of filing a claim with insurance.

Normally, women see premiums about $6 a month cheaper with Allied Property & Casualty, and around $14 less with Atlantic States.

Looking at overall affordability, Allied Property & Casualty comes out on top for both men and women. On average, male drivers save about $46 per month and women save about $38 with Allied Property & Casualty compared to the average Atlantic States policyholder.

Allied Property & Casualty vs. Atlantic States: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be a complicated subject for most people. There are a variety of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, Allied Property & Casualty has the edge, with average monthly prices coming in at $69. If you want a full coverage policy with the same state minimum limits, Allied Property & Casualty again has the edge, with policies averaging around $167 a month to Atlantic States's $235.

Is Allied Property & Casualty or Atlantic States Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your premiums, but is Allied Property & Casualty or Atlantic States less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Atlantic States policyholders can expect a less drastic increase of around 5%.

Even so, Allied Property & Casualty has more affordable rates for drivers in both categories -- their rates are around 34% cheaper for drivers with clean records and 20% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allied Property & Casualty can expect to see about an $42 -- or around 35% -- rise in their insurance prices. Drivers who use Atlantic States for their car insurance will see a monthly bill about $37 (or 24%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, the more affordable rates come from Allied Property & Casualty, with average premiums coming in at $119 compared to Atlantic States Insurance Company's $153.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Atlantic States drivers usually see a 54% climb in their insurance rates after a DUI charge, while Allied Property & Casualty will usually increase premiums by around 57%.

But if you end up with a DUI charge and are looking for more affordable prices, Allied Property & Casualty tends to be less expensive for the average driver, with monthly premiums coming in at about $179 to Atlantic States's $250.

How does Credit Score Impact Allied Property & Casualty and Atlantic States Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for several drivers.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Allied Property & Casualty and Atlantic States specifically, which company has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or Atlantic States Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a sizable impact on your monthly rates? Typically, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a pretty significant difference in monthly prices for Atlantic States, with drivers who put 6,000 miles on their car yearly paying around $18 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Allied Property & Casualty is the more affordable company.

Allied Property & Casualty or Atlantic States: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Normally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

Allied Property & Casualty tends to offer the cheapest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $16 with Allied Property & Casualty compared to Atlantic States. People who live in suburban areas pay around $22 less with Allied Property & Casualty compared to Atlantic States. For policyholders in urban ZIP codes, Allied Property & Casualty Insurance Company's average premiums are about $88 less than Atlantic States Insurance Company.

Allied Property & Casualty vs. Atlantic States Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allied Property & Casualty and Atlantic States so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Atlantic States has advantage when it comes to total number of discounts. Allied Property & Casualty offers a grand total of 16 discounts, while Atlantic States has 19.

Both companies offer many of the same discounts -- like discounts for being a good driver, discounts for being a good student, and multi-policy discounts -- but Atlantic States also offers discounts for ABS, anti-theft, driver training, and more.

On the other hand, Allied Property & Casualty has a few proprietary discounts of their own for things like distant student discounts, EFT discounts, employee discounts, and more.

Final Thoughts: Is Allied Property & Casualty or Atlantic States Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right carrier for you and your specific profile and needs?

Allied Property & Casualty might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You already have a great credit score.
• Your neighborhood is in a rural area.

Atlantic States might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Allied Property & Casualty and Atlantic States and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Allied Property & Casualty and Atlantic States. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Allied Property & Casualty vs. Atlantic States FAQs

Is Allied Property & Casualty or Atlantic States cheaper?

Allied Property & Casualty is the cheaper of the two companies when looking at national average rates, with policies averaging $118 per month with Allied Property & Casualty and $160 for Atlantic States. But that doesn't mean Allied Property & Casualty will be the lowest carrier for each driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Atlantic States?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for every policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Allied Property & Casualty and Atlantic States offer me different rates?

Auto insurance carriers use many different variables when calculating the premiums they charge. Things such as gender, age, where you live, your driving record, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Atlantic States calculate prices differently, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Allied Property & Casualty or Atlantic States is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Allied Property & Casualty or Atlantic States at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.