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

Quick Facts

• Based on national averages for car insurance, Ohio Mutual offers slightly more affordable prices than Atlantic States
• Atlantic States offers less expensive average rates for policyholders who live in the suburbs
• Ohio Mutual offers more affordable prices for residents of urban areas

Atlantic States vs. Ohio Mutual: 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 substantial discounts. But exactly how much can you save by switching?

You might be considering Atlantic States or Ohio Mutual as potential options, but which carrier will save you the most?

Looking at the national average rates for both companies, Ohio Mutual is about $8 per month cheaper than Atlantic States.

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

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

Atlantic States or Ohio Mutual: Average Car Insurance Rates by State

Atlantic States and Ohio Mutual only compete against each other in Ohio, where Ohio Mutual offers the cheaper average rates. For Ohio residents, Ohio Mutual offers insurance for $152 a month on average. Atlantic States's average prices come out to be over 10% more expensive, at $170 monthly.

That being said, there's a lot more that goes into your car insurance cost than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. It's normally because young, inexperienced 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 that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of $5 less a month by choosing Ohio Mutual over Atlantic States.

That being said, both companies will drop premiums by the time you turn 25. Ohio Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Atlantic States's average prices reduce more than 45% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Atlantic States and Ohio Mutual specifically, which company is best for retired drivers? Ohio Mutual gets the slight edge here, with average rates coming in at around $114 per month compared to Atlantic States's $119. However, the difference is only about 5%, so other variables (such as where you live or your credit score) will likely come into play when determining which carrier has the lowest premiums for you.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more expensive for single policyholders than they are for married couples. This usually boils down to married policyholders having multiple cars on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, Ohio Mutual is the winner for single drivers, with rates around $14 per month cheaper than Atlantic States, on average.

Atlantic States vs. Ohio Mutual: Average Rates by Gender

Because men are more likely to get tickets and get into collisions, they run a larger risk of filing a claim with insurance. Therefore, men tend to get higher rates than women.

Women typically pay nearly 10% a month less than men with Atlantic States, while with Ohio Mutual, the difference is closer to 5% per month.

Looking at the data for each company specifically, Ohio Mutual offers the most affordable average premiums for both men and women, with average prices $11 less for men and $5 cheaper for women.

Atlantic States or Ohio 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 can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Ohio Mutual normally offers more affordable rates of $74 compared to Atlantic States's $85. When it comes to full coverage policies with similar limits, Ohio Mutual again has the edge, with policies about $5 a month cheaper than Atlantic States, on average.

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

You've probably seen plenty of commercials from auto insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and at-fault accidents will most likely raise your prices, but is Atlantic States or Ohio Mutual less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Atlantic States policyholders can expect their rates to go up an average of $6 per month if they get a ticket, while Ohio Mutual usually raises prices around $21 a month, on average.

However, Ohio Mutual tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering rates that are 28% and 14% more affordable, respectively, compared to Atlantic States Insurance Company.

Which Company is Best for Drivers After an Accident?

Atlantic States drivers who get in a collision can expect to see their premiums rise by over $35, while those who have insurance through Ohio Mutual will see about a $40 increase.

Overall, the less expensive rates come from Ohio Mutual, with monthly prices averaging $125 compared to Atlantic States Insurance Company's $153.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. On average, Ohio Mutual will raise your premiums around 71% after a DUI, while Atlantic States's average prices climb by just under 55%.

If you have a DUI on your record and are looking for more affordable premiums, Atlantic States tends to be the much more affordable option with average rates of $250 a month compared to $293 from Ohio Mutual.

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

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect many policyholders out there.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Ohio Mutual and Atlantic States, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Ohio Mutual. Policyholders with "excellent" credit can save nearly 30% compared to Atlantic States, and those with "good" scores can also expect to see savings -- about $21 or 14% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around $2 less with Ohio Mutual than Atlantic States, but those whose credit is considered "poor" have it flipped -- saving about $27 per month with Atlantic States.

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

How much you drive can have a considerable impact on how much car insurance carriers will charge for coverage. Generally, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Ohio Mutual charges. However, there's a pretty significant difference in monthly premiums for Atlantic States, with policyholders who drive 6,000 miles annually paying around $18 less every month compared to those who drive 12,000 miles yearly.

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

Where you live can have a sizable impact on your monthly auto insurance payment. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Atlantic States boasts the most affordable average premiums in rural and suburban areas, while Ohio Mutual wins in urban areas.

In urban areas, Ohio Mutual Insurance Company's average prices are about 24% less than Atlantic States Insurance Company. Drivers in suburban ZIP codes pay around 7% less with Atlantic States compared to Ohio Mutual. If you live in a rural area, you can expect to save about 10% with Atlantic States compared to Ohio Mutual.

Atlantic States vs. Ohio Mutual Discounts

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

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've broken down all of the different discounts offered by both Atlantic States and Ohio Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Overall, Atlantic States comes out ahead with 19 discounts to Ohio Mutual's 17.

Both carriers offer quite a few of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts -- but Atlantic States also offers driver training discounts, family discounts, good driving discounts, and more that Ohio Mutual does not.

On the flip side, Ohio Mutual has a couple unique discounts of its own -- attentive driver discounts, continuous insurance discounts, distant student discounts, and more.

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

So, you've seen how different factors can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the best fit for you?

Ohio Mutual might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You want to save money on your auto insurance after an accident.
• You have a short commute.

Atlantic States might be best for you if...

• You have a DUI charge on your record.
• You live in an suburban area.
• You don't spend much time in your car.

We hope this guide has ben a valuable resource as you compare Atlantic States and Ohio Mutual. We also hope we've given you the information you need to make the best decision when it comes to your 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 car insurance -- comparing quotes from multiple companies, not just Atlantic States and Ohio Mutual. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Atlantic States vs. Ohio Mutual FAQs

Is Atlantic States or Ohio Mutual cheaper?

Looking just at the national average prices, Ohio Mutual is the more affordable of the two companies, offering average rates of $152 a month compared to $160 for Atlantic States. Even so, Ohio Mutual won't necessarily be the lowest carrier for each policyholder, 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 Ohio Mutual?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Atlantic States offers cheaper premiums for drivers with a recent DUI, while Ohio Mutual is less expensive for drivers with excellent credit.

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

Car insurance carriers take a look at quite a few different factors when determining the rates they charge drivers. Variables such as gender, age, where your home is, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Atlantic States and Ohio Mutual calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Atlantic States or Ohio Mutual 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 carriers 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 free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Atlantic States or Ohio Mutual 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.