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

Quick Facts

• Based on national averages for car insurance, Atlantic States offers cheaper prices than Progressive
• Atlantic States offers more affordable rates for policyholders whose driving record contains an at-fault collision
• Progressive may help you save more money -- they offer more discounts than Atlantic States Insurance Company

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

Are you in the market for 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 have narrowed it down to Atlantic States or Progressive for your next policy, but which one will save you the most?

Looking at the national average rates for both carriers, Atlantic States has average rates that are around 11% a month less expensive than those from Progressive.

Even so, that doesn't mean Atlantic States will necessarily be more affordable than Progressive for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so premiums will change quite a bit from person to person.

Luckily, we've broken down average rates from both Atlantic States and Progressive by lots of different rate factors, so read on to find out which company is the best for you.

Atlantic States vs. Progressive: Average Car Insurance Rates by State

Atlantic States and Progressive only compete against each other in three states, with Atlantic States offering cheaper prices to the average driver in all of them. Delaware has the most noticable difference, where Atlantic States premiums are $89 more affordable than car insurance prices at Progressive.

But there's more to calculating auto insurance rates than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers out there on the road. It's generally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Atlantic States save over 35% per month compared to those who use Progressive.

But both carriers will drop rates by the time drivers turn 25. For example, average prices for Atlantic States policyholders decrease about $150 and Progressive's rates lower around $300 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

When looking at Atlantic States and Progressive specifically, which carrier is best for retired drivers? Atlantic States gets the slight edge, with prices for drivers 65 and older almost 10% less expensive than the national average for Progressive.

Which is the Best Company for Married Drivers?

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

For those who are single, the difference in average rates between these two companies is significant, with Atlantic States premiums coming in at about 15% less than Progressive's. But for married policyholders, that advantage is much less clear - Atlantic States has the edge when it comes to average prices , but the difference is only a dollar.

Atlantic States or Progressive: Average Rates by Gender

Did you know men tend to pay more for car insurance than women? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

Men generally pay nearly $15 a month more than women with Atlantic States, and around $5 more with Progressive.

Looking at overall affordability, Atlantic States offers the lowest average prices for both men and women, with average rates $16 less for men and $25 cheaper for women.

Atlantic States vs. Progressive: 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 can be pretty complicated. Everyone needs insurance, but there are so many different coverages and terms 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 bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability insurance, Atlantic States has the 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 per month to Progressive's $250.

Is Atlantic States or Progressive 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.

Speeding tickets and at-fault accidents will most likely raise your premiums, but is Atlantic States or Progressive less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Atlantic States for their insurance can typically expect their monthly bill to go up around 5% after getting a speeding ticket. Progressive policyholders can expect a bit more drastic of an increase of about 17%.

That being said, Atlantic States has cheaper rates for drivers in both categories. With Atlantic States Insurance Company, drivers with a clean record can save around $33 a month and drivers with a ticket can save about $58 per month.

Which Company is Best for Drivers After an Accident?

Atlantic States drivers who get in an accident can expect to see their prices climb by over $35, while those who have insurance through Progressive will see around a $65 increase.

At the end of the day, Atlantic States offers the cheapest premiums for drivers with an at-fault accident on their records, with average rates coming in at $153 compared to Progressive's $214.

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 car insurance bill -- normally a lot more than a collision or speeding ticket. On average, Atlantic States will climb your prices about 54% after a DUI, while Progressive's average premiums rise by more than 15%.

How does Credit Score Impact Atlantic States and Progressive Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (California, for example, has banned the use of credit score as an auto insurance factor) but it does affect quite a few policyholders out there.

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

Looking specifically at Progressive and Atlantic States, which carrier has the best premiums 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 Progressive Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a sizable impact on how much auto insurance carriers will charge for coverage? Generally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing an accident 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 Progressive charges. However, there's a pretty significant difference in monthly rates for Atlantic States, with policyholders who drive 6,000 miles yearly paying around $18 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Atlantic States is the cheaper company.

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

Where you live can have a large impact on your monthly car insurance cost. Usually, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the roads where they live.

Atlantic States tends to offer the most affordable rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about $21 with Atlantic States compared to Progressive. People who live in suburban areas pay around $36 less with Atlantic States compared to Progressive. For policyholders in urban ZIP codes, Atlantic States Insurance Company's average prices are about $2 less than Progressive.

Atlantic States vs. Progressive Discounts

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

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Atlantic States and Progressive so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Atlantic States out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to Atlantic States's 34.

Both companies offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and discounts for insuring multiple cars with the same company -- but Progressive also offers discounts for advanced safety feature, agency transfer, continuous insurance, and more.

On the other hand, Atlantic States has a few proprietary discounts of their own for things like driver training discounts, family discounts, hybrid vehicle discounts, and more.

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

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, is Atlantic States or Progressive the best one for you and your specific profile and needs?

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

• You're worried about the impact your credit score will have on your prices.
• Your neighborhood is in the suburbs.
• You are purchasing your car insurance with a spouse.

Progressive might be best for you if...

• You value the experience that comes with a large national insurance company.
• Your driving record includes a DUI charge.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Atlantic States and Progressive 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 car insurance -- comparing quotes from a handful of carriers, not just Atlantic States and Progressive. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Atlantic States vs. Progressive FAQs

Is Atlantic States or Progressive cheaper?

Atlantic States is the less expensive of the two carriers when looking at national average rates, with policies averaging $160 a month with Atlantic States and $180 for Progressive. However, that doesn't mean Atlantic States will be the cheapest carrier for everyone, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Atlantic States or Progressive?

Sadly, the answer truly is "it depends.". Neither company is "better" for each policyholder -- it all comes down to what your unique insurance profile looks like. For example, Atlantic States is more affordable for drivers with excellent credit, while Progressive offers cheaper prices for drivers with a recent DUI.

Why do Atlantic States and Progressive offer me different rates?

Car insurance companies use many different variables when determining the premiums they charge. Things like where you call home, where your home is, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Atlantic States and Progressive use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Atlantic States or Progressive 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 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. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't Atlantic States or Progressive 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.