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

Quick Facts

• Looking at the national averages for auto insurance, Atlantic States offers significantly more affordable premiums than National Mutual
• Atlantic States tends to be a much cheaper option for policyholders whose driving record contains an at-fault collision
• Atlantic States offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs

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

So, you're thinking about 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 might be considering Atlantic States or National Mutual for your next policy, but which company will save you the most?

Looking at nationwide averages, National Mutual is around $41 more a month than Atlantic States.

That being said, that doesn't necessarily mean Atlantic States will be the less expensive option for every single driver. Car insurance carriers vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and tons of other factors. 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 National Mutual 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. National Mutual: Average Car Insurance Rates by State

Atlantic States and National Mutual only compete against each other in one states, with National Mutual offering more affordable premiums to the average driver in all of them. Ohio has the most noticable difference, where National Mutual rates are $10 cheaper than insurance prices at Atlantic States.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers out there on the road. That's normally 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 car insurance premiums. As you can see above, teens who use Atlantic States save almost 40% per month compared to those who use National Mutual.

Even so, both carriers will reduce prices by the time drivers turn 25. For example, average rates for Atlantic States policyholders decrease about $150 and National Mutual's premiums drop nearly $300 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? Atlantic States gets the edge, with rates for drivers 65 and older $15 less expensive than the national average for National Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single policyholders than they are for married policyholders. That's usually because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Atlantic States rates coming in at a quarter less than National Mutual's. The advantage for married couples with Atlantic States is also obvious, where drivers save over 15% a month.

Atlantic States or National Mutual: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll generally end up paying more for auto insurance than women.

On average, men see prices around $15 per month higher with Atlantic States, and about $21 more with National Mutual.

When it comes to the most affordable premiums for each gender, Atlantic States offers the cheapest average prices for both men and women. On average, male drivers save about $45 a month and women save around $38 with Atlantic States compared to the average National Mutual policyholder.

Atlantic States vs. National Mutual: 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum limits for liability insurance, Atlantic States has the slight edge, with average monthly rates 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 per month to National Mutual's $308.

Is Atlantic States or National Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their 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 collisions and speeding tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their car insurance can typically expect their monthly bill to go up around 5% after getting a speeding ticket. National Mutual policyholders can expect a bit more drastic of an increase of about 8%.

But Atlantic States is usually the cheaper option for both drivers who have a recent ticket and those with clean records, offering rates that are 11% and 14% more affordable, respectively, compared to National Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Atlantic States drivers who get in an accident can expect to see their premiums climb by just under 25%, while those who have insurance through National Mutual will see around a 35% increase.

At the end of the day, the less expensive prices come from Atlantic States, with average premiums coming in at $153 compared to National Mutual Insurance's $207.

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 a collision. National Mutual drivers usually see a 60% climb in their auto insurance prices after a DUI charge, while Atlantic States will normally increase rates by about 54%.

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 around $250 to National Mutual's $325.

How does Credit Score Impact Atlantic States and National Mutual Rates?

Did you know many insurance companies take into account your credit score when determining rates? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it will come into play for several policyholders.

Car insurance carriers 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 premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, National Mutual will usually reward you the most for an "excellent" credit score. For drivers with "excellent" credit scores, National Mutual comes in 7% more affordable. Drivers with "good" credit scores generally save about 10% with Atlantic States compared to average prices from National Mutual.

Which Company is Best for Drivers with Bad Credit?

Atlantic States typically offers lower premiums than National Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 30% a month less with Atlantic States compared to National Mutual, and those with "poor" scores normally save an average of about 31% per month.

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

How much you drive can have a sizable impact on how much insurance companies will charge for coverage. Typically, the more milage you put on your car, 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 National Mutual charges. However, there's a pretty significant difference in monthly rates for Atlantic States, with policyholders who drive the least paying around $18 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Atlantic States is the cheaper company.

Atlantic States or National Mutual: 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 big impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Atlantic States tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Atlantic States Insurance Company's average premiums are about $9 less than National Mutual Insurance. People who live in suburban areas pay around $58 less with Atlantic States compared to National Mutual. Those in rural areas can expect to save about $56 with Atlantic States compared to National Mutual.

Atlantic States vs. National Mutual Discounts

No matter why you might be in the market for a new auto 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 utilizing as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Atlantic States and National Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Anti-theft discounts, discounts for getting driver training, discounts for being a good student, and paid in full discounts are offered by both carriers.

Final Thoughts: Is Atlantic States or National Mutual Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which company is the right fit for you?

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

• You've been pulled over for speeding recently.
• You want the most robust protection via a "full coverage" policy.
• You drive often but have a short commute.

National Mutual 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 better idea of the difference between Atlantic States and National Mutual. 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 a handful of carriers, not just Atlantic States and National Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Atlantic States vs. National Mutual FAQs

Is Atlantic States or National Mutual cheaper?

Atlantic States is the more affordable of the two carriers when looking at national average prices, with policies averaging $160 per month with Atlantic States and $201 for National Mutual. Even so, that doesn't mean Atlantic States will be the most affordable carrier for everyone, since there are a variety of different factors that are considered when it comes to your car insurance payment.

Who is better, Atlantic States or National Mutual?

Sadly, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, National Mutual is less expensive for drivers with excellent credit, while Atlantic States offers cheaper rates for drivers with a recent DUI.

Why do Atlantic States and National Mutual offer me different rates?

Car insurance companies use a lot of different variables when calculating the premiums they charge. Factors such as age, your driving record, gender, where your home is, and sometimes even things like your credit score can all be used. Both Atlantic States and National Mutual use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the auto insurance company 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 area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Atlantic States or National Mutual 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.