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

Quick Facts

• In general, Atlantic States offers cheaper rates than Omni
• Atlantic States offers less expensive average premiums for drivers who have a speeding ticket on their driving record
• Omni offers more affordable rates for drivers with a DUI

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

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

You've maybe even narrowed it down to Atlantic States or Omni, but which company will save you the most?

Looking at the national average rates for both carriers, Atlantic States is around $21 a month more affordable than Omni.

That being said, that doesn't necessarily mean Atlantic States will be the less expensive option for every single driver. Auto insurance companies vary their premiums depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and tons of other factors, so prices will vary quite a bit from person to person.

Wanting to know if Atlantic States or Omni 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. Omni: Average Car Insurance Rates by State

Atlantic States and Omni only compete against each other in one states, with Omni offering more affordable premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni prices are $8 cheaper than insurance rates at Atlantic States.

There are plenty of other factors that go into your car insurance cost than just your home state. 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 auto insurance premiums of any other group of drivers out there on the road. That's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Atlantic States save over 35% per month compared to those who use Omni.

Even so, both carriers will drop rates once you turn 25. For example, average prices for Atlantic States policyholders decrease about $150 and Omni's premiums lower almost $350 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever see.

So, which carrier offers the best premiums to retired drivers? Atlantic States gets the slight edge here, with average prices coming in at around $119 per month compared to Omni's $132.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married policyholders than they are for single policyholders. That's because policies for married couples normally cover more than one vehicle, which quite a few companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Atlantic States premiums coming in at about 15% less than Omni's. It's not quite so glaring for married drivers, where drivers who use Atlantic States save around $1 a month.

Atlantic States or Omni: Average Rates by Gender

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

With Atlantic States, men typically pay nearly 10% more per month than women., but with Omni, the difference is closer to 8% a month.

When it comes to the lowest prices for each gender, Atlantic States comes out on top for both men and women. On average, male drivers save about $22 per month and women save about $21 with Atlantic States compared to the average Omni policyholder.

Atlantic States vs. Omni: 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 isn't the easiest topic to understand. There are many different coverages that account for several 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.

But most 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 an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, Atlantic States has the edge, with average monthly premiums 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 around $235 a month to Omni's $258.

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

It's no secret -- drivers with good records end up getting the best deals on their auto 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 collisions and speeding tickets on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect 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. Omni policyholders can expect a less drastic increase of around 4%.

That being said, Atlantic States has cheaper prices for drivers in both categories, offering rates that are 31% and 30% more affordable, respectively, compared to Omni Insurance.

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 over $35, while those who have insurance through Omni will see about a $35 increase.

At the end of the day, the less expensive prices come from Atlantic States, with average rates coming in at $153 compared to Omni Insurance's $203.

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. Atlantic States drivers usually see a 54% increase in their car insurance premiums after a DUI charge, while Omni will normally raise rates by around 6%.

But if you end up with a DUI charge and are looking for more affordable premiums, Omni tends to be cheaper for the average driver, with monthly premiums coming in at about $178 to Atlantic States's $250.

How does Credit Score Impact Atlantic States and Omni Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. Certain states and companies 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 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 prices, while those with poor credit will usually be forced to pay more.

Looking specifically at Omni and Atlantic States, which one 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 Omni Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly car insurance bill. Typically, those who drive less will end up with more affordable prices 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 Omni charges. However, there's a pretty significant difference in monthly premiums for Atlantic States, with drivers who put 6,000 miles on their vehicle yearly paying around $18 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Atlantic States is the cheaper company.

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

Where your home is can have a pretty big impact on your monthly auto insurance payment. Generally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

Atlantic States vs. Omni Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of 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 Omni offer their customers so that you can see which carrier can save you the most money each month.

Atlantic States blows Omni away when it comes to the sheer amount of discounts available, offering 19 different discounts to Omni's 13.

A couple of those are overlapping for things like discounts for being a defensive driver, group discounts, and passive restraint discounts. Atlantic States also offers discounts for ABS, driver training, family discount, and more.

On the other hand, Omni has a few proprietary discounts of their own for things like agency transfer discounts, cellphone safety discounts, homeowner discounts, and more.

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

So, we've broken down the average prices for many of the factors auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the right fit for you?

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

• You have an at-fault collision on your record.
• You live in a rural area.

Omni might be best for you if...

• Your driving record includes a DUI charge.

Hopefully, this guide helps you get a better idea of the difference between Atlantic States and Omni. We also hope we've given you the information you need to make the best decision about 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 several carriers, not just Atlantic States and Omni. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Atlantic States vs. Omni FAQs

Is Atlantic States or Omni cheaper?

Atlantic States is the more affordable of the two carriers when looking at national average rates, with policies averaging $160 per month with Atlantic States and $181 for Omni. Even so, that doesn't mean Atlantic States will be the lowest carrier for each policyholder, since there are a variety 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 Omni?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for every policyholder -- it all boils down to your unique insurance profile. For example, Omni is less expensive for drivers who have less-than-stellar credit scores, while Atlantic States offers cheaper premiums for policyholders with an at-fault accident on their record.

Why do Atlantic States and Omni offer me different rates?

Car insurance companies use several different factors when determining the rates they charge. Variables such as your driving record, age, gender, where you live, and sometimes even things like your credit score can all come into play. Both Atlantic States and Omni 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 multiple different carriers.

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

The only way to find the 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto 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 Omni 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.