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

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Atlantic States and Cincinatti Financial. But which of these two companies is the best one for you? Read on to find which carrier has the best prices and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Atlantic States offers less expensive rates than Cincinatti Financial
  • Atlantic States offers cheaper average premiums for policyholders who are looking to purchase insurance with a spouse
  • Atlantic States tends to be a much more affordable option for policyholders who live in urban areas


Atlantic States or Cincinatti Financial: 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 hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Atlantic States or Cincinatti Financial as your top options, but between the two, which one will save you the most?

Atlantic States Cincinatti Financial
$160$200

Looking at the national average rates for both carriers, Atlantic States is around $40 a month less expensive than Cincinatti Financial.

That being said, that doesn't necessarily mean Atlantic States will be the cheaper option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

Wanting to know if Atlantic States or Cincinatti Financial 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.

Atlantic States vs. Cincinatti Financial: Average Car Insurance Rates by State

State Atlantic States Cincinatti Financial
OH$170$147

Atlantic States and Cincinatti Financial only compete against each other in one states, with Cincinatti Financial offering more affordable rates to the average driver in all of them. Ohio has the most noticable difference, where Cincinatti Financial prices are $23 less expensive than car insurance rates at Atlantic States.

There are plenty of other factors that go into your auto insurance cost than just your home state. Continue reading to learn more about how other variables will affect your rates.


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Which is the Best Company For Young Drivers?

Atlantic States Cincinatti Financial
18-year-old drivers$297$496
25-year-old drivers$159$193

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Atlantic States save almost 40% per month compared to those who use Cincinatti Financial.

But both carriers will decrease prices by the time drivers turn 25. Cincinatti Financial offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Atlantic States still has the most affordable rates at $159 a month.

Which is the Best Company for Retired Drivers?

Atlantic States Cincinatti Financial
65+-year-old drivers$119$122

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

But who has the best rates for retired drivers between Atlantic States and Cincinatti Financial? In this case, Atlantic States has the slight edge, with premiums about $3 a month less than Cincinatti Financial. Even so, the difference is only around 5%, so other factors will likely come into play when determining which company has the lowest prices for you.

Which is the Best Company for Married Drivers?

Atlantic States Cincinatti Financial
Single$186$242
Married$125$143

You may not be aware, but insurance premiums tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married couples typically cover multiple vehicles, which several companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is significant, with Atlantic States prices coming in at a quarter less than Cincinatti Financial's. The advantage is also clear for married drivers - Atlantic States offers the most affordable average rates.

Atlantic States or Cincinatti Financial: Average Rates by Gender

Atlantic States Cincinatti Financial
Male$167$206
Female$153$193

Men are statistically more likely than women to get speeding tickets and get into collisions. That means when it comes to car insurance men will normally end up paying a little more.

Usually, men see premiums nearly 10% per month higher with Atlantic States, and about 6% with Cincinatti Financial.

Looking at overall affordability, Atlantic States comes out as the lowest option for both genders. On average, women save about $40 a month and men save around $39 with Atlantic States compared to the average Cincinatti Financial policyholder.


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Atlantic States vs. Cincinatti Financial: Compare State Minimum vs. Full Coverage Rates

Atlantic States Cincinatti Financial
State Minimum*$85$106
Full Coverage**$235$293

*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. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, Atlantic States has the edge, with average monthly rates coming in at $85. If you want a full coverage policy with the same state minimum limits, Atlantic States again has the edge, with policies averaging about $235 per month to Cincinatti Financial's $293.

Is Atlantic States or Cincinatti Financial Better for Drivers with Spotty Records?

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

At-fault collisions and speeding tickets will most likely raise your premiums, but is Atlantic States or Cincinatti Financial cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Atlantic States Cincinatti Financial
Clean Record$116$122
1 Speeding Ticket$122$143

Policyholders who use Atlantic States for their insurance can usually expect their monthly bill to go up around 5% after getting a speeding ticket. Cincinatti Financial policyholders can expect a bit more drastic of an increase of about 15%.

However, Atlantic States has more affordable prices for drivers in both categories -- their rates are around 5% less expensive for drivers with clean records and 15% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Atlantic States Cincinatti Financial
Clean Record$116$122
1 At-Fault Accident$153$214

Atlantic States drivers who get in an accident can expect to see their premiums climb by just under 25%, while those who have insurance through Cincinatti Financial will see around a 45% increase.

At the end of the day, Atlantic States offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $153 compared to Cincinatti Financial's $214.

Which Company is Best for Drivers with a DUI?

Atlantic States Cincinatti Financial
Clean Record$116$122
1 DUI$250$320

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. On average, Cincinatti Financial will climb your prices about 62% after a DUI, while Atlantic States's average premiums increase by nearly 55%.

But if you end up with a DUI charge and are looking for more affordable rates, Atlantic States tends to be cheaper for the average driver, with monthly premiums coming in at around $250 to Cincinatti Financial's $320.


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How does Credit Score Impact Atlantic States and Cincinatti Financial Rates?

Did you know many car insurance companies take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few policyholders.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will normally be forced to pay more.

So, which carrier offers the most affordable premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Atlantic States Cincinatti Financial
Excellent Credit Score$136$147
Good Credit Score$145$172

Which Company is Best for Drivers with Bad Credit?

Atlantic States Cincinatti Financial
Fair Credit Score$155$198
Poor Credit Score$205$281

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

Atlantic States Cincinatti Financial
6,000 Annual Miles$151$200
12,000 Annual Miles$169$200

Did you know that the amount of time you spend in your car have a large impact on your monthly prices? Typically, those who drive fewer miles will end up with less expensive premiums 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 Cincinatti Financial charges. However, there's a pretty significant difference in monthly rates for Atlantic States, with policyholders who drive the least paying about $18 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Atlantic States is the cheaper company.

Atlantic States or Cincinatti Financial: 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 considerable impact as well. Generally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more cars on the roads where they live.

Atlantic States Cincinatti Financial
Urban Areas$205$220
Suburban Areas$143$197
Rural Areas$133$182

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

Those in rural areas can expect to pay around $133 monthly with Atlantic States and $182 with Cincinatti Financial. People in suburban areas pay a monthly price of about $143 with Atlantic States compared to $197 with Cincinatti Financial. For drivers in urban ZIP codes, Atlantic States's average prices are around $205 while Cincinatti Financial offers rates about $220.

Atlantic States vs. Cincinatti Financial 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 car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Atlantic States and Cincinatti Financial so that you can see which company can save you the most money each month.

Atlantic States Cincinatti Financial
ABS Discount 
Advance Quote Discount
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Driver Training Discount 
Family Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Marital Status Discount 
Multi-Car Discount 
Multi-Policy Discount
Next Generation Discount 
Paid In Full Discount
Passive Restraint Discount 
Renewal Discount 
Special Large Ded Discount 

Atlantic States blows Cincinatti Financial away when it comes to the sheer amount of discounts available, offering nine more discounts than Cincinatti Financial.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and group discounts. Atlantic States also offers discounts for ABS, driver training, family discount, and more.

On the other hand, Cincinatti Financial has a few proprietary discounts of their own for things like COVID-19 relief discount, homeowner discounts, and special large ded discounts.


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Final Thoughts: Is Atlantic States or Cincinatti Financial Best for You?

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is Atlantic States or Cincinatti Financial the right carrier for you and your specific needs?

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

  • You haven't received any speeding tickets or been in a collision in the last few years.
  • You're looking for the best prices on liability only coverage.
  • You have a short drive to work everyday.


Cincinatti Financial might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Atlantic States and Cincinatti Financial and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of companies, not just Atlantic States and Cincinatti Financial. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.


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Atlantic States vs. Cincinatti Financial FAQs

Is Atlantic States or Cincinatti Financial cheaper?

Atlantic States is the more affordable of the two companies when looking at national average rates, with policies averaging $160 a month with Atlantic States and $200 for Cincinatti Financial. Even so, that doesn't mean Atlantic States will be the cheapest company for each policyholder, since there are many different factors that are considered when it comes to your car insurance bill.

Who is better, Atlantic States or Cincinatti Financial?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Atlantic States and Cincinatti Financial offer me different rates?

Insurance carriers use many different variables when calculating the premiums they charge. Things such as gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be used. Both Atlantic States and Cincinatti Financial calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car insurance carrier 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 auto insurance companies for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Atlantic States or Cincinatti Financial 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.

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