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

Quick Facts

• Looking at the national averages for auto insurance, Atlantic States offers significantly more affordable rates than Motorists
• Atlantic States offers more affordable prices for drivers with a DUI
• Atlantic States tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed it down to Atlantic States or Motorists, but between the two, which company will offer you more affordable premiums?

As you can see, Atlantic States is quite a bit cheaper than Motorists, with rates averaging $160 a month compared to $251 with Motorists when looking at the national average rates for insurance.

But that doesn't mean Atlantic States will necessarily be cheaper than Motorists for every driver. Car insurance carriers use all sorts of complex algorithms to determine prices, so depending on how old you are or how good your credit score is (among multiple other factors), you could see wildly different premiums from the ones above.

Wanting to know if Atlantic States or Motorists is really the right carrier 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. Motorists: Average Car Insurance Rates by State

Atlantic States and Motorists only compete against each other in two states, with Motorists offering less expensive prices to the average driver in all of them. If you live in Pennsylvania, Atlantic States is the more affordable of the two companies when looking at the overall average rates. Motorists is the less expensive option in Ohio.

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 carriers calculate your prices. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group out there on the road. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 30% less per month by choosing Atlantic States over Motorists.

Even so, with both companies, you'll see your rates drop significantly once you turn 25. For example, average premiums for Atlantic States policyholders lower more than 45% and Motorists's rates reduce almost 45% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance premiums out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise prices.

So, which company offers the best rates to retired drivers? Atlantic States gets the edge here, with average prices coming in at around $119 monthly compared to Motorists's $219.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance premiums than married couples. This usually boils down to married drivers having multiple vehicles on their policy -- something a lot of car insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Atlantic States premiums coming in at a third less than Motorists's. The advantage for married policyholders with Atlantic States is also obvious, where drivers save about $95 a month.

Atlantic States or Motorists: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for auto insurance than women.

Men typically pay nearly 10% more per month than women with Atlantic States, but with Motorists, the difference is closer to 5% a month.

Looking at the data for each carrier specifically, Atlantic States comes out on top for both men and women. On average, male drivers save about $90 per month and women save around $92 with Atlantic States compared to the average Motorists policyholder.

Atlantic States vs. Motorists: 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.

It's no secret that insurance can be pretty complicated. There are many 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 an accident.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

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 Motorists's $379.

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

You've probably seen plenty of commercials from auto insurance carriers offering great rates 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 at-fault accidents lead to higher premiums, but which company -- Atlantic States or Motorists -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their car insurance can normally expect their monthly bill to go up around 5% after getting a speeding ticket. Motorists policyholders can expect a bit more drastic of an increase of about 10%.

However, Atlantic States has cheaper premiums for drivers in both categories. With Atlantic States Insurance Company, drivers with a clean record can save around $53 per month and drivers with a ticket can save about $65 a month.

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 rates. Drivers who use Motorists for their insurance will see a monthly bill around $37 (or 18%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, the more affordable prices come from Atlantic States, with average premiums coming in at $153 compared to Motorists Insurance Group's $206.

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 -- generally a lot more than a collision or speeding ticket. For example, Motorists increases average prices by more than $250 per month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Atlantic States tends to be cheaper for the average driver, with monthly premiums coming in at about $250 to Motorists's $442.

How does Credit Score Impact Atlantic States and Motorists Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for lots of drivers.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Atlantic States and Motorists, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Atlantic States will usually reward you the most. For drivers with "excellent" credit scores, Atlantic States comes in nearly 14.47 less expensive. Drivers with "good" credit scores typically save around 22% with Atlantic States compared to average prices from Motorists.

Which Company is Best for Drivers with Bad Credit?

Atlantic States typically offers lower premiums than Motorists when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 33% a month less with Atlantic States compared to Motorists, and those with "poor" scores normally save an average of around 52% per month.

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

How much you drive can have a big impact on how much auto insurance companies will charge for coverage. Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Atlantic States offers cheaper prices than Motorists. Motorists average premiums for drivers with 6,000 annual miles come in about $95 more expensive than Atlantic States. Those who drive 12,000 miles annually can expect to pay around $87 more with Motorists over Atlantic States.

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

Where you park your car can play a considerable role in how much you pay for car insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Atlantic States boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $119 with Atlantic States compared to Motorists. People who live in suburban areas pay around $72 less with Atlantic States compared to Motorists. For policyholders in urban ZIP codes, Atlantic States Insurance Company's average premiums are about $81 less than Motorists Insurance Group.

Atlantic States vs. Motorists Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

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

Overall, Atlantic States comes out ahead with 19 discounts to Motorists's 14.

There are a couple discounts both carriers offer, but Atlantic States also offers discounts for driver training, family discount, good driving, and more.

On the other hand, Motorists has a few proprietary discounts of their own for things like empty nester discounts, homeowner discounts, life policy discounts, and more.

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

So, we've broken down the average rates for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which company is the best fit for you?

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

• Your driving record contains an at-fault accident.
• Your home is in a busy urban area.
• You're of retirement age and want to take advantage of lower prices.

Motorists 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 Motorists. 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 auto insurance policy is to compare quotes from multiple carriers, not just Atlantic States and Motorists. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes 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. Motorists FAQs

Is Atlantic States or Motorists cheaper?

Atlantic States is the less expensive of the two carriers when looking at national average rates, with policies averaging $160 per month with Atlantic States and $251 for Motorists. That being said, that doesn't mean Atlantic States will be the lowest carrier for each driver, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Atlantic States or Motorists?

Unfortunately, the real answer is "it depends.". No single company is "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Atlantic States and Motorists offer me different rates?

Car insurance companies use several different factors when calculating the prices they charge. Variables like where you live, where your home is, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Atlantic States and Motorists calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from several companies 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 carriers for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Atlantic States or Motorists 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.