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

Quick Facts

• In general, Atlantic States offers significantly more affordable premiums than Esurance
• Atlantic States offers more affordable rates for drivers who have a speeding ticket on their driving record
• Esurance may help you save more money -- they offer more discounts than Atlantic States Insurance Company

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering pretty big savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Atlantic States or Esurance for your next policy, but which one has less expensive premiums for auto insurance?

Looking at nationwide averages, Esurance is quite a bit more expensive than Atlantic States, with prices averaging $299 a month compared to just $160 with Atlantic States.

Even so, that doesn't necessarily mean Atlantic States will be the cheaper option for each driver. Car insurance carriers vary their rates depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and all sorts of other factors, so premiums will change quite a bit from person to person.

Luckily, we've broken down average prices from both Atlantic States and Esurance by many different rate factors, so read on to find out which carrier is the best for you.

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

Atlantic States and Esurance only compete against each other in two states, with Atlantic States offering more affordable rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Atlantic States premiums are $84 less expensive than auto insurance prices at Esurance.

That being said, there's a lot more that goes into your insurance payment than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's typically 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Atlantic States save over 60% per month compared to those who use Esurance.

That being said, with both companies, you'll see your premiums drop significantly by the time drivers turn 25. Esurance offers the steepest decrease, 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 lowest rates at $159 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance prices you'll ever see. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise rates.

When looking at Atlantic States and Esurance specifically, which company is best for retired drivers? Atlantic States gets the edge here, with average premiums coming in at around $119 monthly compared to Esurance's $232.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance prices than married drivers. That's because policies for married policyholders generally cover more than one vehicle, which quite a few carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with Atlantic States premiums coming in at about half of Esurance's. For married couples, the advantage is clear again - Atlantic States has the edge when it comes to average prices.

Atlantic States or Esurance: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to auto insurance men will typically end up paying a little more.

Men usually pay around $15 a month more than women with Atlantic States, and about $20 with Esurance.

Looking at the data for each carrier specifically, Atlantic States offers the cheapest average rates for both men and women. On average, women save about $135 per month and men save around $142 with Atlantic States compared to the average Esurance policyholder.

Atlantic States vs. Esurance: 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, insurance can be pretty complicated. There are several different coverages that account for multiple 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.

But most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability insurance, Atlantic States has the significant 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 Esurance's $396.

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

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their car insurance can generally expect their monthly bill to go up around 5% after getting a speeding ticket. Esurance policyholders can expect a bit more drastic of an increase of about 16%.

However, Atlantic States tends to offer the best prices for drivers both with clean records and with a ticket. With Atlantic States Insurance Company, drivers with a clean record can save around $126 per month and drivers with a speeding ticket can save about $165 a month.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Esurance climbing by around 34%. Atlantic States has a less extreme rise, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, the cheaper prices come from Atlantic States, with average premiums coming in at $153 compared to Esurance's $364.

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 ticket when it comes to your auto insurance bill. On average, Atlantic States will climb your rates about 54% after a DUI, while Esurance's average premiums increase by just under 20%.

How does Credit Score Impact Atlantic States and Esurance Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for many drivers.

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 at Atlantic States and Esurance specifically, which carrier has the most affordable 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 Esurance Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. Normally, those who drive less will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Atlantic States tends to be the more affordable option. Atlantic States's average prices for drivers with 6,000 annual miles come in around $147 less expensive than Esurance. Those who drive 12,000 miles each year can expect to pay about $130 less with Atlantic States over Esurance.

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

Where you park your car can play a big role in how much you pay for auto insurance. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Atlantic States typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Atlantic States Insurance Company's average rates are around 48% less than Esurance. People who live in suburban areas pay about 50% less with Atlantic States compared to Esurance. Those in rural areas can expect to save around 37% with Atlantic States compared to Esurance.

Atlantic States vs. Esurance Discounts

You want to save as much money as you can, right? 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 challenging to find all the of the ones you're eligible for.

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

Overall, Esurance comes out ahead with 24 discounts to Atlantic States's 19.

Both carriers offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and discounts for insuring multiple cars with the same company -- but Esurance also offers discounts for agency transfer, DRL, education, and more.

On the other hand, Atlantic States has a few proprietary discounts of their own for things like driver training discounts, family discounts, hybrid vehicle discounts, and more.

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

So, you've seen how different factors can affect your car 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 Esurance the right carrier for you and your specific profile and needs?

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

• You have a clean record.
• Your neighborhood is in the suburbs.
• You don't spend much time in your car.

Esurance might be best for you if...

• You're thinking about moving to another state -- undefined is only available in.
• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Atlantic States and Esurance. We also hope we've given you the information you need to make the best decision about your auto 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 insurance -- comparing quotes from multiple companies, not just Atlantic States and Esurance. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Atlantic States vs. Esurance FAQs

Is Atlantic States or Esurance cheaper?

Atlantic States is the more affordable of the two companies when looking at national average prices, with policies averaging $160 per month with Atlantic States and $299 for Esurance. Even so, that doesn't mean Atlantic States will be the most affordable company for everyone, since there are a range of different variables that are considered when it comes to your auto insurance cost.

Who is better, Atlantic States or Esurance?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Atlantic States and Esurance offer me different rates?

Insurance carriers use a lot of different factors when determining the premiums they charge. Variables like your driving record, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Atlantic States and Esurance calculate rates using different formulas, 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 lots of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of carriers 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 ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Atlantic States or Esurance 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.