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

Looking for car insurance and wondering if Atlantic States or Farmers is the right company for you? If so, you're probably wondering which carrier has the cheapest rates or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next auto insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Atlantic States offers significantly less expensive prices than Farmers
  • Atlantic States has cheaper premiums for drivers who have received a ticket within the last few years
  • Farmers offers more affordable average prices for drivers with a DUI charge on their record


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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering substantial discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Atlantic States or Farmers as potential options, but which one will save you the most?

Atlantic States Farmers
$160$203

As you can see, Atlantic States is about $43 per month cheaper than Farmers when looking at the national average rates for auto insurance.

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

Wanting to know if Atlantic States or Farmers 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 or Farmers: Average Car Insurance Rates by State

State Atlantic States Farmers
OH$170$153

Atlantic States and Farmers only compete against each other in one states, with Farmers offering less expensive rates to the average driver in all of them. Ohio has the most noticable difference, where Farmers prices are over 10% cheaper than insurance premiums at Atlantic States.

That being said, there's a lot more that goes into your car insurance cost than just where you call home. Keep reading to learn more.


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Which is the Best Company For Young Drivers?

Atlantic States Farmers
18-year-old drivers$297$533
25-year-old drivers$159$155

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. The reason is that young, inexperienced 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 rates, 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 nearly $250 less than those who use Farmers.

However, both carriers will offer you dramatically lower premiums once you turn 25. Farmers offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Atlantic States's average rates decrease more than 45% during that same period.

Which is the Best Company for Retired Drivers?

Atlantic States Farmers
65+-year-old drivers$119$143

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

So, which company offers the best prices to retired drivers? Atlantic States gets the edge, with rates for drivers 65 and older over 15% more affordable than the national average for Farmers.

Which is the Best Company for Married Drivers?

Atlantic States Farmers
Single$186$245
Married$125$148

Married drivers tend to get slightly less expensive auto insurance premiums than single drivers. This usually boils down to married couples having several cars on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Atlantic States is the clear winner for single policyholders, with rates around $59 a month cheaper than Farmers, on average. The advantage for married policyholders with Atlantic States is also obvious, where drivers save more than 15% per month.

Atlantic States vs. Farmers: Average Rates by Gender

Atlantic States Farmers
Male$167$207
Female$153$200

You may not know, but men normally pay more for insurance than women do. This is because women are less likely to get speeding tickets and get into accidents, which decreases the chances of an insurance claim.

With Atlantic States, women generally pay almost $15 a month less than men, and about $7 with Farmers.

Looking at overall affordability, Atlantic States comes out on top for both men and women. On average, women save about $47 per month and men save around $40 with Atlantic States compared to the average Farmers policyholder.


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Atlantic States or Farmers: Compare State Minimum vs. Full Coverage Rates

Atlantic States Farmers
State Minimum*$85$126
Full Coverage**$235$281

*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.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (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 -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Atlantic States usually offers significantly less expensive premiums of $85 compared to Farmers's $126. When it comes to full coverage policies with similar limits, Atlantic States again has the edge, with policies about $45 a month more affordable than Farmers, on average.

Is Atlantic States or Farmers 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Atlantic States Farmers
Clean Record$116$162
1 Speeding Ticket$122$206

Atlantic States policyholders can expect their rates to go up an average of $6 per month if they get a ticket, while Farmers typically raises premiums around $44 a month, on average.

Even so, Atlantic States is usually the less expensive option for both drivers who have a recent speeding ticket and those with clean records, offering prices that are 28% and 41% more affordable, respectively, compared to Farmers Insurance.

Which Company is Best for Drivers After an Accident?

Atlantic States Farmers
Clean Record$116$162
1 At-Fault Accident$153$224

Atlantic States drivers who get in a collision can expect to see their rates increase by over $35, while those who have insurance through Farmers will see about a $60 increase.

Overall, the cheaper prices come from Atlantic States, with monthly premiums averaging $153 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

Atlantic States Farmers
Clean Record$116$162
1 DUI$250$221

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. For example, Atlantic States increases average prices by just under $150 per month -- that's just under a 55% increase.


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How does Credit Score Impact Atlantic States and Farmers Rates?

Did you know that many auto insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for several policyholders.

Car 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, drivers with bad credit will often be forced to pay more.

So, which carrier offers the cheapest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Atlantic States Farmers
Excellent Credit Score$136$164
Good Credit Score$145$185

Which Company is Best for Drivers with Bad Credit?

Atlantic States Farmers
Fair Credit Score$155$209
Poor Credit Score$205$256

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

Atlantic States Farmers
6,000 Annual Miles$151$203
12,000 Annual Miles$169$203

Did you know that the amount of time you spend in your car have a considerable impact on your monthly insurance payment? Normally, the more miles you put on your vehicle, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers charges. However, there's a pretty significant difference in monthly prices for Atlantic States, with policyholders who drive the least paying around $18 less each month compared to those who drive 12,000 miles annually. Still, Atlantic States is the less expensive option for drivers in both categories.

Atlantic States vs. Farmers: 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 sizable impact as well. Generally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Atlantic States Farmers
Urban Areas$205$251
Suburban Areas$143$189
Rural Areas$133$170

When comparing these two carriers side-by-side, Atlantic States usually comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest premiums from both companies, but Atlantic States comes out on top with average rates about $133 monthly. Atlantic States also has more affordable average prices for drivers in urban and suburban ZIP codes -- a $46 and $46 a month respective difference when compared to Farmers policyholders in similar areas.

Atlantic States vs. Farmers Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Atlantic States and Farmers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Atlantic States Farmers
ABS Discount
Advance Quote Discount
Alternative Fuel Discount 
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount
EFT Discount 
ESC Discount 
Family Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Life Policy Discount 
Loyalty Discount 
Marital Status Discount 
Mature Driver Discount 

Farmers blows Atlantic States away when it comes to the sheer amount of discounts available, offering 28 different discounts to Atlantic States's 19.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for getting driver training, and group discounts. Farmers also offers alternative fuel discounts, distant student discounts, EFT discounts, and more that Atlantic States does not.

On the flip side, Atlantic States has a couple unique discounts of its own -- family discounts, hybrid vehicle discounts, marital status discounts, and more.


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

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

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

  • You're worried about the impact your credit score will have on your rates.
  • You have above-average credit.
  • Your neighborhood is in a rural area.


Farmers might be best for you if...

  • You value the experience that comes with a large national auto insurance carrier.
  • You have a DUI charge on your record.
  • You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Atlantic States and Farmers and that it aids in making a more informed decision about your 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 car insurance -- comparing quotes from several companies, not just Atlantic States and Farmers. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.


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Atlantic States vs. Farmers FAQs

Is Atlantic States or Farmers cheaper?

Looking just at the national average prices, Atlantic States is the cheaper of the two companies, offering average rates of $160 per month compared to $203 for Farmers. That being said, Atlantic States won't necessarily be the most affordable carrier for every policyholder, since there are a range of different variables that are considered when it comes to your insurance bill.

Who is better, Atlantic States or Farmers?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique car insurance profile. For example, Farmers offers more affordable premiums for drivers with a recent DUI, while Atlantic States is cheaper for drivers with excellent credit.

Why do Atlantic States and Farmers offer me different rates?

Insurance carriers take a look at many different factors when determining the prices they charge drivers. Variables like where you live, age, gender, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Atlantic States and Farmers calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance company 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, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Atlantic States or Farmers 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.

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