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

Quick Facts

• Based on national averages for insurance, Atlantic States offers less expensive prices than Cumberland Mutual
• Atlantic States offers more affordable average rates for policyholders who drive fewer than 6,000 miles annually
• Cumberland Mutual offers more affordable prices for residents of suburban areas

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

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Atlantic States or Cumberland Mutual for your next policy, but which carrier has cheaper premiums for auto insurance?

As you can see, Atlantic States has average rates that are around 17% a month less expensive than those from Cumberland Mutual when looking at the national average rates for car insurance.

However, that doesn't necessarily mean Atlantic States will be the cheaper option for every driver. Insurance carriers use a ton of complex algorithms to determine rates, so depending on how old you are or how good your credit score is (among a whole bunch of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Atlantic States and Cumberland Mutual by a variety of different rate factors, so read on to find out which company is the best for you.

Atlantic States vs. Cumberland Mutual: Average Car Insurance Rates by State

Atlantic States and Cumberland Mutual only compete against each other in one states, with Cumberland Mutual offering more affordable prices to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual rates are $44 cheaper than auto insurance premiums at Atlantic States.

But there's more to calculating insurance prices than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Atlantic States for their auto insurance pay over 35% less than those who use Cumberland Mutual.

That being said, both companies will reduce rates by the time you turn 25. Cumberland Mutual offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Atlantic States still has the cheapest premiums at $159 monthly.

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 rates you'll ever see.

But who has the best prices for retired drivers between Atlantic States and Cumberland Mutual? In this case, Atlantic States has the slight edge, with premiums about $2 per month less than Cumberland Mutual. But the difference is only around 5%, so other variables will likely come into play when determining which carrier has the most affordable rates for you.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually more affordable for married couples than they are for single drivers? That's because policies for married drivers typically cover more than one vehicle, which several carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with Atlantic States prices coming in at a quarter less than Cumberland Mutual's. The advantage is also clear for married policyholders - Atlantic States offers the cheapest average rates.

Atlantic States or Cumberland Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll generally end up paying more for car insurance than women.

On average, men see prices almost 10% a month higher with Atlantic States, and about 5% with Cumberland Mutual.

When it comes to the most affordable premiums for each gender, Atlantic States offers the lowest average rates for both men and women. On average, women save about $35 per month and men save around $30 with Atlantic States compared to the average Cumberland Mutual policyholder.

Atlantic States vs. Cumberland Mutual: 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 can be pretty complicated. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

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 their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Atlantic States has the edge, with average monthly prices 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 a month to Cumberland Mutual's $280.

Is Atlantic States or Cumberland Mutual 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 cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their auto insurance can typically expect their monthly bill to go up around 5% after getting a speeding ticket. Cumberland Mutual policyholders can expect a bit more drastic of an increase of about 10%.

Even so, Atlantic States is usually the less expensive option for drivers both with a ticket and with a clean record -- their rates are around 31% cheaper for drivers with clean records and 35% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Atlantic States can expect to see around an $37 -- or about 24% -- rise in their insurance premiums. Drivers who use Cumberland Mutual for their auto insurance will see a monthly bill around $14 (or 8%) more expensive after reporting a collision to their insurance company.

At the end of the day, Atlantic States offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $153 compared to Cumberland Mutual's $183.

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 speeding ticket or even an accident. For example, Atlantic States increases average prices by nearly $150 per month -- that's nearly a 55% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Cumberland Mutual tends to be less expensive for the average driver, with monthly premiums coming in at about $233 to Atlantic States's $250.

How does Credit Score Impact Atlantic States and Cumberland Mutual Rates?

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

Insurance carriers 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.

Looking specifically at Cumberland Mutual and Atlantic States, which company has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Atlantic States will generally reward you the most. For policyholders with "excellent" credit scores, Atlantic States comes in NaN cheaper. Drivers with "good" credit scores normally save around 7% with Atlantic States compared to average rates from Cumberland Mutual.

Which Company is Best for Drivers with Bad Credit?

Atlantic States typically offers lower prices than Cumberland Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 14% a month less with Atlantic States compared to Cumberland Mutual, and those with "poor" scores typically save an average of around 29% per month.

Is Atlantic States or Cumberland Mutual 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 considerable impact on your monthly auto insurance bill? Usually, the more milage you put on your car, the more you can expect to pay for coverage.

Atlantic States tends to be the less expensive option for both remote workers and those taking short commutes. Cumberland Mutual average premiums for drivers with 6,000 annual miles come in about $41 more expensive than Atlantic States. Those who drive 12,000 miles every year can expect to pay around $24 more with Cumberland Mutual over Atlantic States.

Atlantic States or Cumberland Mutual: 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 big impact as well. Normally, 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.

Looking at these companies side-by-side, Cumberland Mutual generally comes out as the more affordable option for drivers in rural and suburban areas, while Atlantic States wins in urban areas.

Those in rural areas can expect to save about $17 with Cumberland Mutual compared to Atlantic States. People who live in suburban areas pay around $11 less with Cumberland Mutual compared to Atlantic States. For drivers in urban ZIP codes, Atlantic States Insurance Company's average prices are about $125 less than Cumberland Mutual.

Atlantic States vs. Cumberland Mutual Discounts

You want to save as much money as you can, right? 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 hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Atlantic States and Cumberland Mutual so that you can find the one that has the most discounts and, therefore, the largest savings.

Overall, Atlantic States has the advantage when it comes to total number of discounts. Cumberland Mutual offers a grand total of 15 discounts, while Atlantic States has 19.

There are a couple discounts both carriers offer, but Atlantic States also offers discounts for advance quote, family discount, group discount, and more.

On the other hand, Cumberland Mutual has a few proprietary discounts of their own for things like distant student discounts, employee discounts, new business discounts, and more.

Final Thoughts: Is Atlantic States or Cumberland Mutual Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right carrier for you, your vehicle, and your wallet?

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

• You have less-than-stellar credit.
• You already have a great credit score.
• You drive fewer than 12,000 miles yearly.

Cumberland Mutual might be best for you if...

• Your driving record includes a DUI charge.
• Your home is located in the suburbs.
• Your neighborhood is in a rural area.

Hopefully, this guide helps you get a good idea of the differences between Atlantic States and Cumberland Mutual. We also hope we've given you the information you need to make the best decision when it comes to 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 several companies, not just Atlantic States and Cumberland Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Atlantic States vs. Cumberland Mutual FAQs

Is Atlantic States or Cumberland Mutual cheaper?

Atlantic States is the cheaper of the two companies when looking at national average prices, with policies averaging $160 per month with Atlantic States and $193 for Cumberland Mutual. That being said, that doesn't mean Atlantic States will be the cheapest carrier for each driver, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Atlantic States or Cumberland Mutual?

Unfortunately, the real answer is "it depends.". No one company is "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like. For example, Atlantic States is less expensive for drivers with excellent credit, while Cumberland Mutual offers more affordable rates for drivers with a recent DUI.

Why do Atlantic States and Cumberland Mutual offer me different rates?

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

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

The only way to find the 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, 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 car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Atlantic States or Cumberland Mutual 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.