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

Quick Facts

• In general, Atlantic States offers significantly cheaper rates than California Casualty
• Atlantic States tends to be a much more affordable option for drivers who have less-than-stellar credit
• Atlantic States offers cheaper average premiums for residents of suburban areas

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Atlantic States or California Casualty, but between the two, which carrier will offer you less expensive rates?

As you can see, California Casualty is about $41 more per month than Atlantic States when looking at the national average rates for auto insurance.

But that doesn't mean Atlantic States will necessarily be more affordable than California Casualty for every driver. Insurance companies vary their prices depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and all sorts of other factors, so premiums will vary quite a bit from person to person.

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

Atlantic States or California Casualty: Average Car Insurance Rates by State

Atlantic States and California Casualty only compete against each other in one states, with Atlantic States offering cheaper premiums to the average driver in all of them. Delaware has the most noticable difference, where Atlantic States prices are over 60% more affordable than car insurance rates at California Casualty.

There's a lot more that goes into your insurance bill than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Atlantic States save nearly $150 a month compared to those who use California Casualty.

That being said, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Atlantic States policyholders reduce almost $150 and California Casualty's prices drop around $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest auto insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

So, which carrier offers the best prices to retired drivers? Atlantic States gets the edge here, with average rates coming in at about $119 monthly compared to California Casualty's $149.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be less expensive for married drivers than they are for single drivers. This usually boils down to married couples having multiple cars on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, Atlantic States is the clear winner for single policyholders, with premiums around $46 per month cheaper than California Casualty, on average. The advantage is also clear for married policyholders - Atlantic States offers the most affordable average rates.

Atlantic States vs. California Casualty: Average Rates by Gender

Did you know men generally pay more for auto insurance than women? This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim.

Generally, women see premiums nearly 10% a month less with Atlantic States, and almost 10% less with California Casualty when compared to their male counterparts.

When it comes to the cheapest prices for each gender, Atlantic States comes out on top for both men and women. On average, women save about $40 per month and men save about $42 with Atlantic States compared to the average California Casualty policyholder.

Atlantic States or California Casualty: 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.

Insurance can be a complicated subject for most people. There are so many different terms and coverages 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 provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum liability limits, Atlantic States normally offers significantly more affordable rates of $85 compared to California Casualty's $122. When it comes to full coverage policies with similar limits, Atlantic States again has the edge, with policies around $45 a month less expensive than California Casualty, on average.

Is Atlantic States or California Casualty Better for Drivers with Spotty Records?

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

It's no secret secret that tickets and accidents lead to higher prices, but which company -- Atlantic States or California Casualty -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Atlantic States policyholders can expect their prices to go up an average of $6 per month if they get a ticket, while California Casualty generally raises rates about $33 a month, on average.

However, Atlantic States is typically the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $21 per month and drivers with a ticket can save about $48 a month with 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 premiums increase by over $35, while those who have insurance through California Casualty will see around a $60 increase.

Overall, the cheaper prices come from Atlantic States, with monthly rates averaging $153 compared to California Casualty's $198.

Which Company is Best for Drivers with a DUI?

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

If you have a DUI on your record and are looking for more affordable prices, Atlantic States tends to be the much less expensive option with average premiums of $250 per month compared to $300 from California Casualty.

How does Credit Score Impact Atlantic States and California Casualty Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly car insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

Looking specifically at Atlantic States and California Casualty, which company has the best 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 Atlantic States or California Casualty Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly car insurance payment. Typically, those who drive less will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

Atlantic States tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. California Casualty average premiums for drivers with 6,000 annual miles come in around $38 more expensive than Atlantic States. Those who drive 12,000 miles each year can expect to pay about $45 more with California Casualty over Atlantic States.

Atlantic States vs. California Casualty: 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 insurance, but the type of area you live in can have a substantial impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads in those areas.

Atlantic States tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but Atlantic States comes out on top with average rates around $133 a month. Atlantic States also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a $13 and $78 per month respective difference when compared to California Casualty drivers in similar areas.

Atlantic States vs. California Casualty Discounts

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

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

Below, we've compared all of the different discounts offered by Atlantic States and California Casualty so that you can find the one that has the most discounts and, therefore, the biggest savings.

Overall, Atlantic States comes out ahead with 19 discounts to California Casualty's 14.

There are a couple discounts both companies offer, but Atlantic States also offers advance quote discounts, anti-theft discounts, defensive driver discounts, and more that California Casualty does not.

On the flip side, California Casualty has a couple unique discounts of its own -- education discounts, full coverage discounts, mature driver discounts, and more.

Final Thoughts: Is Atlantic States or California Casualty Best for You?

So, we've broken down the average rates for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right company for you, your vehicle, and your wallet?

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

• You have a DUI charge on your record.
• Your credit score is high.
• You drive fewer than 6,000 miles yearly.

California Casualty might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Atlantic States and California Casualty and that you can now make a more informed decision when it comes to your auto insurance.

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

Atlantic States vs. California Casualty FAQs

Is Atlantic States or California Casualty cheaper?

Looking just at the national average premiums, Atlantic States is the less expensive of the two companies, offering average rates of $160 a month compared to $201 for California Casualty. But Atlantic States won't necessarily be the cheapest carrier for everyone, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Atlantic States or California Casualty?

Sadly, the answer truly is "it depends.". One company is not "better" for every driver -- it all boils down to your unique auto insurance profile.

Why do Atlantic States and California Casualty offer me different rates?

Insurance carriers take a look at lots of different variables when calculating the prices they charge policyholders. Factors such as where you live, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both Atlantic States and California Casualty use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple 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 free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Atlantic States or California Casualty 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.