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

Quick Facts

• Based on national averages for insurance, Atlantic States offers more affordable premiums than GEICO
• Atlantic States offers less expensive average rates for drivers who have an at-fault accident on their record
• GEICO offers more affordable prices for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

Atlantic States vs. GEICO: 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 hefty discounts. But exactly how much can you save by switching?

You might have narrowed it down to Atlantic States or GEICO as your top options, but which one will offer you cheaper rates?

Looking at the national average rates for both companies, GEICO is about $25 more per month than Atlantic States.

However, that doesn't necessarily mean Atlantic States will be the less expensive option for each driver. Auto insurance carriers use a ton of complex algorithms to calculate premiums, so depending on how good your credit score is or how old you are (among many other factors), you could see wildly different prices from the ones above.

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

Atlantic States or GEICO: Average Car Insurance Rates by State

Atlantic States and GEICO only compete against each other in three states, with Atlantic States offering more affordable premiums to the average driver in all of them. Delaware has the most noticable difference, where Atlantic States rates are over 70% cheaper than car insurance premiums at GEICO.

That being said, there are plenty of other factors that go into your insurance cost than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Atlantic States save more than $70 a month compared to those who use GEICO.

That being said, both companies will lower premiums by the time drivers turn 25. GEICO offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Atlantic States still has the lowest rates at $159 monthly.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Atlantic States and GEICO? Atlantic States gets the edge, with prices for drivers 65 and older nearly 20% less expensive than the national average for GEICO.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more affordable for married drivers than they are for those who are single? That's because policies for married couples usually cover more than one car, which a lot of carriers will offer you a discount for.

When it comes to relationship status, Atlantic States is the clear winner for single policyholders, with prices around $22 per month cheaper than GEICO, on average. The advantage is also clear for married policyholders - Atlantic States offers the cheapest average rates.

Atlantic States vs. GEICO: Average Rates by Gender

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

Normally, women see prices almost $15 a month less expensive with Atlantic States, and about $10 cheaper with GEICO when compared to their male counterparts.

Looking at the data for each company specifically, Atlantic States offers the most affordable average premiums for both men and women. On average, male drivers save about $22 per month and women save around $28 with Atlantic States compared to the average GEICO policyholder.

Atlantic States or GEICO: 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. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Atlantic States normally offers more affordable rates of $85 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Atlantic States again has the edge, with policies about $35 a month cheaper than GEICO, on average.

Is Atlantic States or GEICO 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.

Collisions and tickets will most likely raise your prices, but is Atlantic States or GEICO more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Atlantic States policyholders can expect their premiums to go up an average of $6 per month if they get a ticket, while GEICO generally raises rates around $35 a month, on average.

If you have a clean record, GEICO tends to offer the best prices at about 1% less expensive, while Atlantic States has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

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

Overall, Atlantic States offers the lowest rates for drivers with an at-fault collision on their records, with monthly premiums averaging $153 compared to GEICO's $200.

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 ticket or even an accident. On average, GEICO will climb your prices about 58% after a DUI, while Atlantic States's average rates increase by just under 55%.

How does Credit Score Impact Atlantic States and GEICO Rates?

Did you know that many insurance companies take into account your credit score when calculating prices? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of 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 premiums, while those with poor credit will usually be forced to pay more.

Looking specifically at GEICO and Atlantic States, which carrier has the cheapest rates 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 GEICO 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 pretty big impact on your monthly prices? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

Atlantic States tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. GEICO's average premiums for drivers with 6,000 annual miles come in $30 more expensive than Atlantic States. Those who drive 12,000 miles annually can expect to pay $20 more with GEICO over Atlantic States.

Atlantic States vs. GEICO: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly car insurance payment. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

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

For drivers in urban ZIP codes, Atlantic States offers premiums around $205 a month compared to GEICO's $211. People who live in suburban ZIP codes can expect to pay about $143 per month for Atlantic States and $185 for GEICO. Lastly, those in rural areas tend to get the cheapest prices from both companies, with average monthly rates coming in at $133 and $159 for Atlantic States and GEICO respectively.

Atlantic States vs. GEICO Discounts

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

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

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

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

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and discounts for insuring multiple cars with the same company. GEICO also offers commercial drivers license discounts, COVID-19 relief discount, deployed driver discounts, and more that Atlantic States does not.

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

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

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best carrier for you and your specific needs?

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

• Your credit is less-than-stellar.
• Your neighborhood is in a rural area.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

GEICO might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You're thinking about moving to another state -- undefined only offers policies in.
• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between Atlantic States and GEICO. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just Atlantic States and GEICO. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Atlantic States vs. GEICO FAQs

Is Atlantic States or GEICO cheaper?

Looking just at the national average rates, Atlantic States is the less expensive of the two carriers, offering average rates of $160 a month compared to $185 for GEICO. That being said, Atlantic States won't necessarily be the most affordable company for each policyholder, since there are a bunch of different variables that are considered when it comes to your auto insurance bill.

Who is better, Atlantic States or GEICO?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every driver -- it all depends on what your unique car insurance profile looks like. For example, Atlantic States offers more affordable premiums for drivers with a recent DUI, while GEICO is cheaper for drivers with excellent credit.

Why do Atlantic States and GEICO offer me different rates?

Insurance companies take a look at quite a few different factors when determining the prices they charge policyholders. Variables like your driving record, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Atlantic States and GEICO calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies 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 car insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Atlantic States or GEICO 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.