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

Quick Facts

• Looking at the national averages for car insurance, Atlantic States offers significantly more affordable prices than Frankenmuth
• Atlantic States tends to be a much less expensive option for policyholders who drive fewer than 6,000 miles yearly
• Atlantic States may help you save more money -- they offer more discounts than Frankenmuth Insurance

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

You might have narrowed your search down to Atlantic States or Frankenmuth for your next policy, but which one has cheaper rates for auto insurance?

Looking at nationwide averages, Frankenmuth is quite a bit more expensive than Atlantic States, with premiums averaging $318 a month compared to just $160 with Atlantic States.

However, Atlantic States may not be the most affordable or best option for every single driver out there. Car insurance carriers use a variety of complex algorithms to determine prices, so depending on how clean your driving record is or how old you are (among a whole bunch of other factors), you could see wildly different rates from the ones above.

Wanting to know if Atlantic States or Frankenmuth is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

Atlantic States and Frankenmuth only compete against each other in one states, with Frankenmuth offering less expensive rates to the average driver in all of them. Ohio has the most noticable difference, where Frankenmuth premiums are $41 cheaper than insurance rates at Atlantic States.

That being said, there are plenty of other factors that go into your auto insurance payment than just the state you live in. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Atlantic States for their auto insurance pay almost 55% less than those who use Frankenmuth.

Even so, with both companies, you'll see your prices reduce significantly by the time drivers turn 25. For example, average premiums for Atlantic States policyholders decrease around $150 and Frankenmuth's prices drop nearly $400 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest insurance rates 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 auto insurance.

But who has the best prices for retired drivers between Atlantic States and Frankenmuth? Atlantic States gets the edge, with premiums for drivers 65 and older $96 more affordable than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be cheaper for married drivers than they are for those who are single. This usually boils down to married couples having more than one vehicle on their policy -- something a lot of auto insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Atlantic States rates coming in at about half of Frankenmuth's. The advantage for married policyholders with Atlantic States is also obvious, where drivers save around $150 per month.

Atlantic States or Frankenmuth: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to car insurance men will normally end up paying a little more.

On average, women see prices almost 10% a month less with Atlantic States, and about 2% less with Frankenmuth.

When it comes to the lowest rates for each gender, Atlantic States comes out as the most affordable option for both genders. On average, male drivers save about $154 per month and women save around $162 with Atlantic States compared to the average Frankenmuth policyholder.

Atlantic States vs. Frankenmuth: 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.

Insurance can be a complicated subject for most people. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Atlantic States has the significant edge, with average monthly premiums 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 Frankenmuth's $422.

Is Atlantic States or Frankenmuth 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 prices, but is Atlantic States or Frankenmuth less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their auto insurance can normally expect their monthly bill to go up around 5% after getting a speeding ticket. Frankenmuth policyholders can expect a bit more drastic of an increase of about 30%.

However, Atlantic States tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 33% more affordable for drivers with clean records and 51% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Atlantic States can expect to see around an $37 -- or about 24% -- rise in their auto insurance premiums. Drivers who use Frankenmuth for their insurance will see a monthly bill around $41 (or 19%) more expensive after reporting a collision to their car insurance company.

At the end of the day, drivers who use Atlantic States end up with the cheaper prices after an accident, with average prices coming in at $153 compared to Frankenmuth Insurance's $214.

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, Frankenmuth increases average rates by more than $450 per month -- that's nearly a 75% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Atlantic States tends to be cheaper for the average driver, with monthly premiums coming in at about $250 to Frankenmuth's $637.

How does Credit Score Impact Atlantic States and Frankenmuth Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect several drivers out there.

The reasoning insurance companies use is that policyholders 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 typically be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Atlantic States will generally reward you the most. For policyholders with "excellent" credit scores, Atlantic States comes in just under 33.33 more affordable. Drivers with "good" credit scores usually save around 41% with Atlantic States compared to average prices from Frankenmuth.

Which Company is Best for Drivers with Bad Credit?

Atlantic States typically offers lower premiums than Frankenmuth when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 45% a month less with Atlantic States compared to Frankenmuth, and those with "poor" scores normally save an average of around 62% monthly.

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

How much you drive can have a pretty big impact on your monthly rates. Usually, the more milage you put on your car each year, the more you can expect to pay for car insurance.

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

Atlantic States or Frankenmuth: 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 auto insurance, but the type of area you live in can have a sizable impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

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

If you live in a rural area, you can expect to pay around $133 per month with Atlantic States compared to Frankenmuth's $266. People in suburban areas pay about $143 with Atlantic States compared to Frankenmuth's $288 a month. For drivers in urban ZIP codes, Atlantic States's average prices are around $205 while Frankenmuth offers rates about $399.

Atlantic States vs. Frankenmuth Discounts

No matter why you might be in the market for a new 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 taking advantage of as many auto 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 can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Atlantic States and Frankenmuth offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Atlantic States knocks Frankenmuth out of the park when it comes to the sheer number of discounts available, offering eight more discounts than Frankenmuth.

Both carriers offer lots of the same discounts -- like advance quote discounts, family discounts, group discounts, and passive restraint discounts -- but Atlantic States also offers discounts for ABS, anti-theft, driver training, and more.

On the other hand, Frankenmuth has a few proprietary discounts of their own like distant student discounts and life policy discounts.

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

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the right carrier for you and your specific needs?

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

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You have above-average credit.
• You live in a rural neighborhood.

Frankenmuth might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Atlantic States and Frankenmuth. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Atlantic States and Frankenmuth. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Atlantic States vs. Frankenmuth FAQs

Is Atlantic States or Frankenmuth cheaper?

Atlantic States is the more affordable of the two carriers when looking at national average rates, with policies averaging $160 per month with Atlantic States and $318 for Frankenmuth. But that doesn't mean Atlantic States will be the cheapest company for every driver, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Atlantic States or Frankenmuth?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Atlantic States and Frankenmuth offer me different rates?

Insurance companies use quite a few different factors when determining the premiums they charge. Variables such as age, gender, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Atlantic States and Frankenmuth calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies 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 ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Atlantic States or Frankenmuth 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.