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

Quick Facts

• Looking at the national averages for insurance, State Farm offers slightly less expensive prices than Atlantic States
• Atlantic States offers more affordable premiums for policyholders who live in the suburbs
• State Farm tends to be a much more affordable option for couples purchasing car insurance together

Atlantic States vs. State Farm: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Atlantic States or State Farm, but between the two, which one will offer you cheaper prices?

Looking at nationwide averages, State Farm is about $2 per month less expensive than Atlantic States.

But State Farm may not be the cheapest or best option for every single driver out there. Insurance companies vary their premiums depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and a ton of other factors, so rates could differ drastically from person to person.

So, if you want to find out which of Atlantic States or State Farm is really the best for you, keep reading to see average premiums for each company broken down by a range of different rate factors.

Atlantic States or State Farm: Average Car Insurance Rates by State

Atlantic States and State Farm only compete against each other in three states, with Atlantic States offering more affordable prices to the average driver in all of them. Ohio has the most noticable difference, where State Farm rates are over 70% cheaper than auto insurance premiums at Atlantic States.

That being said, there are plenty of other factors that go into your insurance cost 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?

You might already know that teen drivers usually pay a lot more for auto insurance than any group on the road. It's because young, inexperienced 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Atlantic States save more than $55 a month compared to those who use State Farm.

Even so, both carriers will reduce rates by the time drivers turn 25. State Farm offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Atlantic States's average premiums lower over 45% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable car insurance prices you'll ever find. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase rates.

So, which carrier offers the best premiums to retired drivers? State Farm gets the slight edge, with prices for drivers 65 and older around 7% less expensive than the national average for Atlantic States.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically more affordable for married drivers than they are for single policyholders? That's generally because married policyholders tend to own and insure several cars, which can often earn you a discount.

If you're in the market for auto insurance, State Farm tends to have the lowest average premiums regardless of marital status, with prices about 1% cheaper for married couples and around 2% less expensive for those who are single.

Atlantic States vs. State Farm: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

Women normally pay nearly $15 per month less than men with Atlantic States, and more than $10 cheaper with State Farm when compared to their male counterparts.

Looking at overall affordability, State Farm offers the cheapest average prices for both men and women, with average premiums 2% less for men and 1% cheaper for women.

Atlantic States or State Farm: 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 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.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

In this case, Atlantic States offers the most affordable average rates for state minimum limits for liability insurance, while State Farm has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $15 with Atlantic States Insurance Company, while full coverage comes out to be about $20 cheaper with State Farm.

Is Atlantic States or State Farm Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that accidents and tickets lead to higher prices, but which company -- Atlantic States or State Farm -- has the cheapest rates for 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 a month if they get a ticket, while State Farm typically raises premiums around $21 per month, on average.

However, Atlantic States is generally the more affordable option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 13% cheaper for drivers with clean records and 21% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Atlantic States can expect to see about an $37 -- or around 24% -- increase in their insurance prices. Drivers who use State Farm for their car insurance will see a monthly bill about $29 (or 18%) more expensive after reporting a collision to their auto insurance carrier.

Overall, drivers who use Atlantic States end up with the cheaper prices after an accident, with monthly premiums averaging $153 compared to State Farm's $163.

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% raise in their car insurance rates after a DUI charge, while State Farm will typically increase prices by around 25%.

How does Credit Score Impact Atlantic States and State Farm Rates?

In many cases, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for quite a few policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

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

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. Normally, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into a collision and causing an insurance claim.

Looking specifically at Atlantic States and State Farm, Atlantic States is the less expensive option for people who work from home, while Atlantic States has better prices for those with short commutes. Atlantic States average premiums for drivers with 6,000 annual miles come in $0 more affordable than State Farm. Those who drive 12,000 miles every year can expect to pay $5 less with State Farm over Atlantic States.

Atlantic States vs. State Farm: 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 large impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the roads in those areas.

Looking at these companies side-by-side, State Farm boasts the lowest average prices in rural and urban areas, while Atlantic States wins in suburban areas.

In urban areas, State Farm's average rates are about $20 less than Atlantic States Insurance Company. Drivers in suburban ZIP codes pay around $18 less with Atlantic States compared to State Farm. If you live in a rural area, you can expect to save about $6 with State Farm compared to Atlantic States.

Atlantic States vs. State Farm Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

In the table below, we've taken a look at all of the different discounts Atlantic States and State Farm offer their customers so that you can see which company can save you the most money each month.

Looking at the total number of discounts, State Farm has the advantage when it comes to total number of discounts. Atlantic States offers a grand total of 19 discounts, while State Farm has 23.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and multi-policy discounts. State Farm also offers annual mileage discounts, distant student discounts, drive safe & save discounts, and more that Atlantic States does not.

On the flip side, Atlantic States has a couple unique discounts of its own -- advance quote discounts, family discounts, group discounts, and more.

Final Thoughts: Is Atlantic States or State Farm 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 when it comes down to it, is Atlantic States or State Farm the best one for you and your specific driver profile?

State Farm might be best for you if....

• You're single and purchasing insurance by yourself.
• Your credit score is high.
• You live in a rural area.

Atlantic States might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You want basic car insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a good idea of the differences between Atlantic States and State Farm 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 car insurance policy is to compare quotes from multiple carriers, not just Atlantic States and State Farm. Luckily, sites like Compare.com make 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. State Farm FAQs

Is Atlantic States or State Farm cheaper?

Looking just at the national average rates, State Farm is the cheaper of the two carriers, offering average rates of $158 a month compared to $160 for Atlantic States. That being said, State Farm won't necessarily be the most affordable company for each policyholder, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Atlantic States or State Farm?

Sadly, the real answer is "it depends.". One carrier is not "better" for every driver -- it all depends on the makeup of your unique insurance profile.

Why do Atlantic States and State Farm offer me different rates?

Car insurance companies take a look at several different variables when calculating the prices they charge drivers. Factors such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both Atlantic States and State Farm calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies 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 insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Atlantic States or State Farm 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.