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

Quick Facts

• Based on national averages for auto insurance, General Casualty offers cheaper prices than Atlantic States
• Atlantic States may help you save more money -- they offer more discounts than General Casualty
• General Casualty offers more affordable premiums for single people who will be the only person on the insurance policy

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Atlantic States or General Casualty as your top options, but between the two, which one has less expensive prices for car insurance?

Looking at nationwide averages, General Casualty is around $21 a month more affordable than Atlantic States.

Even so, that doesn't necessarily mean General Casualty will be the less expensive option for every driver. Auto insurance carriers vary their rates depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a variety of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

Atlantic States vs. General Casualty: Average Car Insurance Rates by State

Atlantic States and General Casualty only compete against each other in one states, with General Casualty offering cheaper prices to the average driver in all of them. Ohio has the most noticable difference, where General Casualty premiums are $65 more affordable than car insurance rates at Atlantic States.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your prices. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. Usually, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of over 10% less per month by choosing General Casualty over Atlantic States.

That being said, both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Atlantic States policyholders drop about $150 and General Casualty's premiums lower around $150 over that time.

Which is the Best Company for Retired Drivers?

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

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

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance rates than married couples. That's normally because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average prices between these two companies is significant, with General Casualty premiums coming in at about 15% less than Atlantic States's. The advantage for married policyholders with General Casualty is also obvious, where drivers save around $15 per month.

Atlantic States or General Casualty: Average Rates by Gender

Did you know men typically pay more for insurance than women? That's because women are less likely to get speeding tickets and get into accidents, which decreases the chances of filing a claim with insurance.

Typically, men see rates almost 10% a month higher with Atlantic States, and about 10% more with General Casualty.

Looking at overall affordability, General Casualty comes out on top for both men and women, with average prices 13% less for men and 14% cheaper for women.

Atlantic States vs. General Casualty: 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 isn't the easiest topic to understand. There are lots of 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, General Casualty has the slight edge, with average monthly premiums coming in at $82. If you want a full coverage policy with the same state minimum limits, General Casualty again has the edge, with policies averaging around $195 per month to Atlantic States's $235.

Is Atlantic States or General Casualty 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.

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their insurance can generally expect their monthly bill to go up about 5% after getting a speeding ticket. General Casualty policyholders can expect a bit more drastic of an increase of around 32%.

If you have gotten a ticket, Atlantic States tends to offer the best premiums at about 8% cheaper, while General Casualty has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Atlantic States drivers who get in a collision can expect to see their prices climb by just under 25%, while those who have insurance through General Casualty will see around a 40% increase.

At the end of the day, the less expensive rates come from General Casualty, with average premiums coming in at $146 compared to Atlantic States Insurance Company's $153.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. Atlantic States drivers usually see a 54% raise in their insurance rates after a DUI charge, while General Casualty will typically increase prices by about 52%.

But if you end up with a DUI charge and are looking for more affordable rates, General Casualty tends to be more affordable for the average driver, with monthly premiums coming in at around $186 to Atlantic States's $250.

How does Credit Score Impact Atlantic States and General Casualty Rates?

Did you know many auto insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for lots of policyholders.

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Atlantic States or General Casualty 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 your monthly insurance cost. Generally, 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.

As you can see in the table above, annual mileage doesn't have much of an impact on how much General Casualty charges. However, there's a pretty significant difference in monthly premiums for Atlantic States, with drivers who put 6,000 miles on their vehicle annually paying about $18 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, General Casualty is the more affordable carrier.

Atlantic States or General Casualty: 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 considerable impact as well. Usually, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer cars on the road where they live, which decreases the chances of an accident.

General Casualty boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around $2 with General Casualty compared to Atlantic States. People who live in suburban areas pay about $9 less with General Casualty compared to Atlantic States. For policyholders in urban ZIP codes, General Casualty's average prices are around $54 less than Atlantic States Insurance Company.

Atlantic States vs. General Casualty Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Atlantic States and General Casualty offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

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

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and paid in full discounts -- but Atlantic States also offers discounts for ABS, driver training, family discount, and more.

On the other hand, General Casualty has a few proprietary discounts of their own for things like distant student discounts, employee discounts, new vehicle discounts, and more.

Final Thoughts: Is Atlantic States or General Casualty Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Atlantic States or General Casualty the right company for you and your specific driver profile?

General Casualty might be best for you if....

• You will be the only person on the car insurance policy.
• Your neighborhood is in a city.
• Your neighborhood is in a rural area.

Atlantic States might be best for you if...

• You've received a ticket for speeding recently and don't want to see your rates increase.
• You're looking for the company with the most discounts.
• You're of retirement age and want to take advantage of lower prices.

Hopefully, this guide helps you get a good idea of the differences between Atlantic States and General Casualty and that you can now make a more informed decision when it comes to 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 several carriers, not just Atlantic States and General Casualty. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Atlantic States vs. General Casualty FAQs

Is Atlantic States or General Casualty cheaper?

General Casualty is the cheaper of the two carriers when looking at national average premiums, with policies averaging $139 a month with General Casualty and $160 for Atlantic States. However, that doesn't mean General Casualty will be the lowest carrier for everyone, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Atlantic States or General Casualty?

Sadly, the answer truly is "it depends.". No one company is "better" for every policyholder -- it all boils down to your unique auto insurance profile. For example, Atlantic States is less expensive for drivers who have already retired, while General Casualty offers more affordable rates for single drivers.

Why do Atlantic States and General Casualty offer me different rates?

Car insurance companies use a lot of different factors when calculating the prices they charge. Things such as your driving record, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Atlantic States and General Casualty calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of 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 car insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Atlantic States or General Casualty 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.