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

Quick Facts

• In general, Cig offers significantly cheaper prices than Atlantic States
• Cig offers more affordable premiums for couples purchasing insurance together
• Cig has less expensive prices for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record

Atlantic States vs. Cig: 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 pretty big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Atlantic States or Cig as your top options, but between the two, which one will save you the most?

As you can see, Atlantic States is quite a bit more expensive than Cig, with rates averaging $160 per month compared to just $119 with Cig when looking at the national average rates for auto insurance.

However, that doesn't mean Cig will necessarily be more affordable than Atlantic States for every driver. Car insurance companies vary their premiums depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and tons of other factors, so rates will vary quite a bit from person to person.

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

Atlantic States or Cig: Average Car Insurance Rates by State

Atlantic States and Cig only compete against each other in one states, with Cig offering cheaper premiums to the average driver in all of them. Ohio has the most noticable difference, where Cig rates are over 30% less expensive than insurance prices at Atlantic States.

There's a lot more that goes into your auto insurance cost than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. Generally, that's because young, inexperienced 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Cig for their auto insurance pay more than $55 less than those who use Atlantic States.

But both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for Atlantic States policyholders lower nearly $150 and Cig's rates reduce over $100 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 lowest premiums you can find.

So, which carrier offers the best prices to retired drivers? Cig gets the edge here, with average rates coming in at about $86 per month compared to Atlantic States's $119.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more affordable for married drivers than they are for single drivers. This usually boils down to married couples having more than one car on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, Cig is the clear winner for single policyholders, with prices around $47 a month cheaper than Atlantic States, on average. The advantage for married policyholders with Cig is also obvious, where drivers save about $35 per month.

Atlantic States vs. Cig: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll usually end up paying more for insurance than women.

Women normally pay almost 10% a month less than men with Atlantic States, while with Cig, the difference is closer to 3% per month.

When it comes to the most affordable rates for each gender, Cig comes out as the cheapest option for both genders, with average prices $46 less for men and $36 cheaper for women.

Atlantic States or Cig: 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 a bunch of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Cig typically offers less expensive premiums of $71 compared to Atlantic States's $85. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies around $70 a month more affordable than Atlantic States, on average.

Is Atlantic States or Cig 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 collisions and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with spotty 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 Cig normally raises premiums about $24 a month, on average.

That being said, Cig is usually the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $28 and $10 more affordable, respectively, compared to Atlantic States Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Atlantic States can expect to see around an $37 -- or about 24% -- increase in their car insurance prices. Drivers who use Cig for their insurance will see a monthly bill around $30 (or 25%) more expensive after reporting a collision to their auto insurance company.

Overall, the less expensive premiums come from Cig, with monthly rates averaging $118 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% increase in their car insurance premiums after a DUI charge, while Cig will typically climb prices by about 44%.

If you have a DUI on your record and are looking for more affordable rates, Cig tends to be the much cheaper option with average prices of $157 a month compared to $250 from Atlantic States.

How does Credit Score Impact Atlantic States and Cig Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the lowest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on your monthly auto insurance bill. Generally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

Cig 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. Cig's average rates for drivers with 6,000 annual miles come in around $38 cheaper than Atlantic States. Those who drive 12,000 miles yearly can expect to pay about $44 less with Cig over Atlantic States.

Atlantic States vs. Cig: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a large impact on your monthly car insurance payment. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Cig generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Cig offers prices around $128 monthly compared to Atlantic States's $205. People who live in suburban ZIP codes can expect to pay about $123 per month for Cig and $143 for Atlantic States. Lastly, those in rural areas tend to get the lowest premiums from both companies, with average monthly rates coming in at $106 and $133 for Cig and Atlantic States respectively.

Atlantic States vs. Cig Discounts

Regardless of 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 possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Atlantic States and Cig offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both carriers offer, but Cig also offers company car discounts, distant student discounts, employee discounts, and more that Atlantic States does not.

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

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which company is the right carrier for you, your vehicle, and your wallet?

Cig might be best for you if....

• You have received a ticket within the last few years.
• Your home is in a busy urban area.
• You've started working from home and don't have much of a commute.

Atlantic States 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 Cig. We also hope we've given you the information you need to make the best 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 auto insurance policy is to compare quotes from several carriers, not just Atlantic States and Cig. 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 insurance companies in your area, all for free.

Atlantic States vs. Cig FAQs

Is Atlantic States or Cig cheaper?

Looking just at the national average prices, Cig is the less expensive of the two carriers, offering average rates of $119 a month compared to $160 for Atlantic States. However, Cig won't necessarily be the cheapest carrier for everyone, since there are multiple different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Atlantic States or Cig?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Atlantic States and Cig offer me different rates?

Auto insurance companies take a look at several different factors when calculating the premiums they charge policyholders. Things like where you call home, where you live, gender, age, and sometimes even things like your credit score can all come into play. Both Atlantic States and Cig calculate rates using different formulas, 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 several different carriers.

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

The only way to find the car 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 do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers 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 Cig 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.