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

Quick Facts

• Looking at the national averages for car insurance, Atlantic States offers significantly more affordable prices than Safe Auto
• Atlantic States offers more affordable rates for drivers who have received a ticket within the last few years
• Safe Auto tends to be a much cheaper option for drivers with a DUI charge on their record

Atlantic States vs. Safe Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Atlantic States or Safe Auto as your top options, but which one has less expensive prices for auto insurance?

As you can see, Atlantic States has average rates that are about 30% per month cheaper than those from Safe Auto when looking at the national average rates for car insurance.

Even so, Atlantic States may not be the lowest or best option for each driver out there. Auto insurance companies vary their premiums depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and a variety of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Atlantic States or Safe Auto is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

Atlantic States or Safe Auto: Average Car Insurance Rates by State

Atlantic States and Safe Auto only compete against each other in one states, with Atlantic States offering more affordable premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Atlantic States rates are over 20% cheaper than insurance prices at Safe Auto.

That being said, there's a lot more that goes into your auto insurance bill than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Atlantic States for their auto insurance pay nearly $150 less than those who use Safe Auto.

That being said, both carriers will lower rates once you turn 25. For example, average prices for Atlantic States policyholders decrease almost $150 and Safe Auto's premiums reduce around $250 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Atlantic States and Safe Auto? Atlantic States gets the edge here, with average prices coming in at about $119 per month compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more affordable for married couples than they are for single drivers. This usually boils down to married drivers having multiple cars on their policy -- something many car insurance companies will reward with discounts.

When it comes to relationship status, Atlantic States is the clear winner for single policyholders, with premiums around $73 a month less expensive than Safe Auto, on average. The advantage for married policyholders with Atlantic States is also obvious, where drivers save about $50 per month.

Atlantic States vs. Safe Auto: 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 insurance than women.

Normally, women see rates nearly 10% a month less with Atlantic States, and around 7% less with Safe Auto.

Looking at overall affordability, Atlantic States comes out on top for both men and women. On average, women save about $61 per month and men save about $64 with Atlantic States compared to the average Safe Auto policyholder.

Atlantic States or Safe Auto: 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 isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common 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, in addition to what you get with liability).

If you're looking for state minimum liability limits, Atlantic States typically offers significantly more affordable premiums of $85 compared to Safe Auto's $126. When it comes to full coverage policies with similar limits, Atlantic States again has the edge, with policies around $85 a month less expensive than Safe Auto, on average.

Is Atlantic States or Safe Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with tickets and collisions on your record, but which of these two companies offers the most affordable premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Atlantic States policyholders can expect their prices to go up an average of $6 per month if they get a ticket, while Safe Auto normally raises rates about $40 a month, on average.

However, Atlantic States tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $64 and $98 cheaper, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Safe Auto climbing by over $65. Atlantic States has a less extreme rise, but you can still expect to pay more than $35 more than you were prior to your first collision.

Overall, Atlantic States offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $153 compared to Safe Auto's $246.

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 -- typically a lot more than a collision or ticket. Atlantic States drivers usually see a 54% increase in their insurance rates after a DUI charge, while Safe Auto will usually raise prices by around 27%.

How does Credit Score Impact Atlantic States and Safe Auto Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly auto insurance premiums. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect quite a few drivers out there.

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

So, which company offers the cheapest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a sizable impact on your monthly insurance cost. Generally, those who drive fewer miles will end up with more affordable 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 Safe Auto charges. However, there's a pretty significant difference in monthly rates for Atlantic States, with drivers who put 6,000 miles on their car annually paying about $18 less every month compared to those who drive 12,000 miles each year. Still, Atlantic States is the cheaper option for drivers in both categories.

Atlantic States vs. Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for auto insurance. Normally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

When comparing these two carriers side-by-side, Atlantic States generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both companies, but Atlantic States comes out on top with average premiums around $133 monthly. Atlantic States also has less expensive average rates for drivers in urban and suburban ZIP codes -- a 24% and 28% per month respective difference when compared to Safe Auto policyholders in similar areas.

Atlantic States vs. Safe Auto Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

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

Below, we've taken a look at all of the different discounts Atlantic States and Safe Auto offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Atlantic States has the advantage when it comes to total number of discounts. Safe Auto offers a grand total of 14 discounts, while Atlantic States has 19.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and paid in full discounts -- but Atlantic States also offers ABS discounts, advance quote discounts, family discounts, and more that Safe Auto does not.

On the flip side, Safe Auto has a couple unique discounts of its own -- agency transfer discounts, claim free discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Atlantic States or Safe Auto Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right company for you and your specific driver profile?

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

• You want to save money on your car insurance after a collision.
• Your home is located in the suburbs.
• You live in a rural neighborhood.

Safe Auto might be best for you if...

• You are considering moving to another state -- undefined is only available in.
• You have a DUI charge on your record.

We hope this guide helps you get a good idea of the differences between Atlantic States and Safe Auto and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Atlantic States and Safe Auto. 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 insurance carriers in your area, all in just a few minutes.

Atlantic States vs. Safe Auto FAQs

Is Atlantic States or Safe Auto cheaper?

Looking just at the national average premiums, Atlantic States is the more affordable of the two companies, offering average rates of $160 a month compared to $223 for Safe Auto. Even so, Atlantic States won't necessarily be the cheapest company for every policyholder, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, Atlantic States or Safe Auto?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all boils down to your unique car insurance profile. For example, Safe Auto offers cheaper rates for drivers with a recent DUI, while Atlantic States is less expensive for drivers with excellent credit.

Why do Atlantic States and Safe Auto offer me different rates?

Insurance carriers take a look at several different factors when calculating the prices they charge drivers. Variables such as where you call home, gender, age, where your home is, and sometimes even things like your credit score can all be used. Both Atlantic States and Safe Auto calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple 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 auto insurance companies in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Atlantic States or Safe Auto 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.