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

Quick Facts

• Looking at the national averages for car insurance, Buckeye offers cheaper premiums than Atlantic States
• Atlantic States tends to be a much less expensive option for residents of suburban areas
• Buckeye has more affordable rates for policyholders who live in rural neighborhoods

Atlantic States or Buckeye: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering substantial savings, but exactly how much money can you save by switching?

You might be considering Atlantic States or Buckeye, but between the two, which carrier has less expensive prices for auto insurance?

As you can see, Buckeye is around $28 a month more affordable than Atlantic States when looking at the national average rates for insurance.

However, Buckeye may not be the lowest or best option for every driver out there. Car insurance carriers use a variety of complex algorithms to determine rates, so depending on how good your credit score is or how old you are (among lots of other factors), you could see wildly different premiums from the ones above.

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

Atlantic States vs. Buckeye: Average Car Insurance Rates by State

Atlantic States and Buckeye only compete against each other in one states, with Buckeye offering cheaper premiums to the average driver in all of them. Ohio has the most noticable difference, where Buckeye prices are $42 less expensive than auto insurance premiums at Atlantic States.

There's a lot more that goes into your car insurance payment than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers out there on the road. It's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Buckeye save almost 10% per month compared to those who use Atlantic States.

That being said, both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Atlantic States policyholders lower about $150 and Buckeye's prices decrease around $150 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever find.

But who has the best premiums for retired drivers between Atlantic States and Buckeye? Buckeye gets the edge here, with average prices coming in at about $105 per month compared to Atlantic States's $119.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are normally cheaper for married drivers than they are for those who are single? This usually boils down to married couples having more than one vehicle on their policy -- something lots of auto insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Buckeye rates coming in at a quarter less than Atlantic States's. The advantage for married policyholders with Buckeye is also obvious, where drivers save over $15 a month.

Atlantic States or Buckeye: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will typically end up paying a little more.

On average, men see prices nearly 10% per month higher with Atlantic States, but with Buckeye, the difference is closer to 11% a month.

Looking at the data for each company specifically, Buckeye comes out on top for both men and women. On average, women save about $28 per month and men save around $27 with Buckeye compared to the average Atlantic States policyholder.

Atlantic States vs. Buckeye: 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, auto insurance isn't the easiest topic to understand. There are multiple different coverages that account for a variety of 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 property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, Buckeye has the edge, with average monthly rates coming in at $73. If you want a full coverage policy with the same state minimum limits, Buckeye again has the edge, with policies averaging about $191 a month to Atlantic States's $235.

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

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

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their car insurance can typically expect their monthly bill to go up around 5% after getting a speeding ticket. Buckeye policyholders can expect a bit more drastic of an increase of about 7%.

Even so, Buckeye tends to offer the best prices for drivers both with a ticket and with a clean record, offering premiums that are 30% and 29% more affordable, respectively, compared to Atlantic States Insurance Company.

Which Company is Best for Drivers After an Accident?

Atlantic States drivers who get in a collision can expect to see their rates increase by over $35, while those who have insurance through Buckeye will see around a $15 increase.

At the end of the day, the cheaper premiums come from Buckeye, with average prices coming in at $98 compared to Atlantic States Insurance Company's $153.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Buckeye drivers usually see a 69% climb in their insurance rates after a DUI charge, while Atlantic States will generally raise premiums by about 54%.

But if you end up with a DUI charge and are looking for more affordable prices, Atlantic States tends to be more affordable for the average driver, with monthly premiums coming in at around $250 to Buckeye's $263.

How does Credit Score Impact Atlantic States and Buckeye Rates?

Did you know many car insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for a lot of policyholders.

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

Looking specifically at Buckeye and Atlantic States, which one has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Buckeye will usually reward you the most. For policyholders with "excellent" credit scores, Buckeye comes in more than 36.76 less expensive. Drivers with "good" credit scores generally save about 35% with Buckeye compared to average prices from Atlantic States.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around 21% less with Buckeye than Atlantic States, but those whose credit is considered "poor" have it flipped -- saving about 10% per month with Atlantic States.

Is Atlantic States or Buckeye 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 how much insurance carriers will charge for coverage? Usually, those who drive less will end up with more affordable prices since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Buckeye charges. However, there's a pretty significant difference in monthly premiums for Atlantic States, with policyholders who drive the least paying around $18 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Buckeye is the less expensive carrier.

Atlantic States or Buckeye: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly car insurance bill. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Buckeye normally comes out as the cheaper option for drivers in rural and urban areas, while Atlantic States wins in suburban areas.

In urban areas, Buckeye's average premiums are about $131 a month compared to Atlantic States's $205. People in suburban areas pay a monthly rate of around $143 with Atlantic States compared to $159 with Buckeye. Those in rural areas can expect to pay about $107 monthly with Buckeye compared to Atlantic States's $133.

Atlantic States vs. Buckeye Discounts

No matter why you might be in the market for a new auto 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 insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Atlantic States and Buckeye so that you can find the company that has the most discounts and, therefore, the largest savings.

Atlantic States blows Buckeye away when it comes to the sheer amount of discounts available, offering 12 more discounts than Buckeye.

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

On the other hand, Buckeye has a proprietary discount of their own -- a distant student discounts.

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

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific profile and needs?

Buckeye might be best for you if....

• You have a speeding ticket on your driving record.
• You already have a great credit score.
• You and your spouse are buying car insurance together.

Atlantic States might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.
• Your neighborhood is in the suburbs.

Hopefully, this guide helps you get a better idea of the difference between Atlantic States and Buckeye and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Atlantic States and Buckeye. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Atlantic States vs. Buckeye FAQs

Is Atlantic States or Buckeye cheaper?

Buckeye is the more affordable of the two carriers when looking at national average rates, with policies averaging $132 per month with Buckeye and $160 for Atlantic States. But that doesn't mean Buckeye will be the lowest carrier for everyone, since there are many different factors that come into play when it comes to your car insurance cost.

Who is better, Atlantic States or Buckeye?

Unfortunately, the answer truly is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Buckeye is less expensive for drivers with excellent credit, while Atlantic States offers cheaper prices for drivers with a recent DUI.

Why do Atlantic States and Buckeye offer me different rates?

Insurance companies use several different variables when calculating the rates they charge. Things like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all come into play. Both Atlantic States and Buckeye use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Atlantic States or Buckeye is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Atlantic States or Buckeye 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.