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

Quick Facts

• Based on national averages for auto insurance, Atlantic States offers slightly cheaper prices than Travelers
• Atlantic States tends to be a much less expensive option for drivers who have received a ticket within the last few years
• Travelers has more affordable premiums for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Atlantic States or Travelers for your next policy, but which company will save you the most?

Looking at the national average rates for both companies, Atlantic States is about $7 per month cheaper than Travelers.

That being said, that doesn't necessarily mean Atlantic States will be the less expensive option for every driver. Car insurance carriers use a variety of complex algorithms to calculate rates, so depending on where you live or how good your credit score is (among a whole bunch of other factors), you could see wildly different prices from the ones above.

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

Atlantic States or Travelers: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your auto insurance cost than just where you call home. 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 car insurance premiums of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Atlantic States for their insurance pay more than $55 less than those who use Travelers.

But both companies will lower prices by the time drivers turn 25. For example, average rates for Atlantic States policyholders drop over 45% and Travelers's premiums reduce more than 60% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Atlantic States and Travelers? Atlantic States gets the slight edge here, with average prices coming in at around $119 monthly compared to Travelers's $132.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable car insurance rates than single drivers. That's typically because married couples tend to own and insure more than one car, which can often earn you a discount.

If you're in the market for auto insurance, Atlantic States tends to have the lowest average prices regardless of marital status, with prices over $10 less expensive for married policyholders and about $4 more affordable for those who are single.

Atlantic States vs. Travelers: 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 an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

Men usually pay nearly 10% more a month than women with Atlantic States, while with Travelers, the difference is closer to 6% per month.

When it comes to the most affordable rates for each gender, Atlantic States offers the cheapest average prices for both men and women. On average, male drivers save about $5 a month and women save around $8 with Atlantic States compared to the average Travelers policyholder.

Atlantic States or Travelers: 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. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability).

In this case, Atlantic States offers the lowest average rates for state minimum liability limits, while Travelers has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $25 with Atlantic States Insurance Company, while full coverage comes out to be about $10 less expensive with Travelers.

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

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

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the cheapest premiums to drivers with spotty 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 Travelers normally raises rates around $32 a month, on average.

However, Atlantic States is typically the cheaper option for drivers both with a speeding ticket and with a clean record, offering premiums that are 9% and 24% more affordable, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Travelers increasing by $45. Atlantic States has a less extreme increase, but you can still expect to pay over $35 more than you were prior to your first collision.

Overall, Atlantic States offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $153 compared to Travelers's $173.

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 -- generally a lot more than an accident or ticket. Atlantic States drivers usually see a 54% climb in their insurance premiums after a DUI charge, while Travelers will usually increase rates by about 38%.

How does Credit Score Impact Atlantic States and Travelers Rates?

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

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

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

How much you drive can have a sizable impact on how much insurance carriers will charge for coverage. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Atlantic States tends to be the cheaper option. Travelers's average prices for drivers with 6,000 annual miles come in just under 10% more expensive than Atlantic States. Those who drive 12,000 miles yearly can expect to pay 0% more with Travelers over Atlantic States.

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

Where you park your vehicle can play a substantial role in how much you pay for car insurance. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Atlantic States typically comes out as the less expensive option for drivers in rural and suburban areas, while Travelers wins in urban areas.

If you live in a rural area, you can expect to save around $3 with Atlantic States compared to Travelers. Drivers in suburban ZIP codes pay about $17 less with Atlantic States compared to Travelers. In urban areas, Travelers's average premiums are around $1 less than Atlantic States Insurance Company.

Atlantic States vs. Travelers 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 insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both Atlantic States and Travelers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers blows Atlantic States away when it comes to the sheer amount of discounts available, offering six more discounts than Atlantic States.

There are a couple discounts both carriers offer, but Travelers also offers alternative fuel discounts, continuous insurance discounts, COVID-19 relief discount, and more that Atlantic States does not.

On the flip side, Atlantic States has a couple unique discounts of its own -- family discounts, marital status discounts, next generation discounts, and more.

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

So, you've seen how different variables can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, is Atlantic States or Travelers the best carrier for you and your specific driver profile?

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

• You want to save money on your auto insurance after an accident.
• Your home is located in the suburbs.
• You have a short drive to work everyday.

Travelers might be best for you if...

• You value the experience that comes with a large national car insurance company.
• Your credit score is high.
• You're looking for more protection with "full coverage" auto insurance.

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

At the end of the day, the best 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 Travelers. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Atlantic States vs. Travelers FAQs

Is Atlantic States or Travelers cheaper?

Looking just at the national average prices, Atlantic States is the more affordable of the two companies, offering average rates of $160 per month compared to $167 for Travelers. Even so, Atlantic States won't necessarily be the most affordable carrier for everyone, since there are many different factors that come into play when it comes to your insurance payment.

Who is better, Atlantic States or Travelers?

Unfortunately, the only answer we can give you is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Atlantic States and Travelers offer me different rates?

Insurance carriers take a look at many different variables when determining the premiums they charge drivers. Things such as where you call home, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Atlantic States and Travelers calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the auto 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Atlantic States or Travelers 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.