Allstate vs. Atlantic States: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Atlantic States offers cheaper rates than Allstate
• Allstate tends to be a much more affordable option for drivers with a DUI charge on their record
• Atlantic States offers more affordable premiums for drivers who have less-than-stellar credit

Allstate vs. Atlantic States: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Allstate or Atlantic States as your top options, but between the two, which carrier will offer you less expensive prices?

Looking at nationwide averages, Atlantic States is about $39 per month cheaper than Allstate.

However, Atlantic States may not be the lowest or best option for each driver out there. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things), so rates could change drastically from person to person.

Wanting to know if Allstate or Atlantic States is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Allstate or Atlantic States: Average Car Insurance Rates by State

Allstate and Atlantic States only compete against each other in three states, with Atlantic States offering more affordable rates to the average driver in all of them. If you live in Ohio, Allstate is the cheaper of the two carriers when looking at the overall average prices. Atlantic States is the more affordable option in Delaware and Pennsylvania.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Atlantic States over Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Atlantic States's three, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both carriers will lower prices by the time you turn 25. For example, average rates for Allstate policyholders drop nearly $300 and Atlantic States's premiums reduce around $150 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

When looking at Allstate and Atlantic States specifically, which company is best for retired drivers? Atlantic States gets the edge, with rates for drivers 65 and older $33 less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be cheaper for married policyholders than they are for those who are single. That's because policies for married drivers generally cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, Atlantic States is the clear winner for single policyholders, with rates about $45 per month less expensive than Allstate, on average. The advantage for married couples with Atlantic States is also obvious, where drivers save around $30 a month.

Allstate vs. Atlantic States: Average Rates by Gender

Did you know women normally pay less for insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher premiums.

With Allstate, men typically pay about 4% more per month than women., and almost 10% with Atlantic States.

Looking at the data for each carrier specifically, Atlantic States offers the most affordable average prices for both men and women. On average, women save about $41 a month and men save around $36 with Atlantic States compared to the average Allstate policyholder.

Allstate or 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.

For most people, car insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Atlantic States generally offers more affordable rates of $85 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Atlantic States again has the edge, with policies about $55 per month cheaper than Allstate, on average.

Is Allstate or Atlantic States Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 a month if they get a ticket, while Atlantic States usually raises rates around $6 per month, on average.

But Atlantic States tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering prices that are 26% and 33% less expensive, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their premiums rise by over 30%, while those who have insurance through Atlantic States will see about a 25% increase.

Overall, the more affordable prices come from Atlantic States, with monthly premiums averaging $153 compared to Allstate's $229.

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 a collision. For example, Atlantic States increases average rates by just under $150 a month -- that's just under a 55% increase.

Allstate has the overall most affordable premiums for drivers with a DUI on their records at $227 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just three for Atlantic States, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Atlantic States Rates?

Did you know that many car insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect lots of policyholders out there.

Auto insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Atlantic States. Policyholders with "excellent" credit can save 6% compared to Allstate, and those with "good" scores can also expect to see savings -- around $27 or 16% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Atlantic States typically offers lower prices than Allstate when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $48 per month less with Atlantic States compared to Allstate, and those with "poor" scores typically save an average of around $70 monthly.

Is Allstate or Atlantic States Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on how much insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

Atlantic States tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure. Allstate average rates for drivers with 6,000 annual miles come in about $46 more expensive than Atlantic States. Those who drive 12,000 miles yearly can expect to pay around $31 more with Allstate over Atlantic States.

Allstate vs. 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 car insurance, but the type of area you live in can have a sizable impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Atlantic States boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Atlantic States offers prices about $205 per month compared to Allstate's $222. People who live in suburban ZIP codes can expect to pay around $143 a month for Atlantic States and $199 for Allstate. Lastly, those in rural areas tend to get the cheapest rates from both carriers, with average monthly premiums coming in at $133 and $174 for Atlantic States and Allstate respectively.

Allstate vs. Atlantic States Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

In the table below, we've broken down all of the different discounts offered by both Allstate 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.

Allstate knocks Atlantic States out of the park when it comes to the sheer number of discounts available, offering 21 more discounts than Atlantic States.

Both companies offer many of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for getting driver training, and discounts for insuring multiple cars with the same company -- but Allstate also offers agency transfer discounts, alert driving discounts, annual mileage discounts, and more that Atlantic States does not.

On the flip side, Atlantic States has a couple unique discounts of its own -- family discounts, group discounts, hybrid vehicle discounts, and more.

Final Thoughts: Is Allstate or Atlantic States Best for You?

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is Allstate or Atlantic States the best company for you and your specific profile and needs?

Atlantic States might be best for you if....

• You have a speeding ticket on your driving record.
• Your home is in a busy urban area.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Allstate might be best for you if...

• You are considering moving to another state -- Atlantic States Insurance Company is only available in three states.
• You have a DUI charge on your record.
• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Allstate and Atlantic States. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Allstate and Atlantic States. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Allstate vs. Atlantic States FAQs

Is Allstate or Atlantic States cheaper?

Looking just at the national average prices, Atlantic States is the more affordable of the two companies, offering average rates of $160 per month compared to $199 for Allstate. However, Atlantic States won't necessarily be the lowest carrier for each driver, since there are many different variables that are considered when it comes to your car insurance payment.

Who is better, Allstate or Atlantic States?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every driver -- it all depends on what your unique insurance profile looks like. For example, Allstate offers less expensive premiums for drivers with a recent DUI, while Atlantic States is cheaper for drivers with excellent credit.

Why do Allstate and Atlantic States offer me different rates?

Auto insurance carriers take a look at many different factors when determining the prices they charge policyholders. Variables like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Atlantic States calculate rates using different factors, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Allstate 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Allstate or Atlantic States at all!

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.