Atlantic States vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Western Reserve Group offers more affordable premiums than Atlantic States
• Atlantic States may help you save more money -- they offer more discounts than Western Reserve Group
• Western Reserve Group has cheaper prices for policyholders who are looking to purchase insurance with a spouse

Atlantic States or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Atlantic States or Western Reserve Group, but between the two, which company has less expensive premiums for auto insurance?

As you can see, Atlantic States is around $23 more a month than Western Reserve Group when looking at the national average rates for car insurance.

Even so, Western Reserve Group may not be the lowest or best option for each driver out there. Insurance carriers use tons of complex algorithms to determine prices, so depending on how old you are or how clean your driving record is (among lots of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Atlantic States and Western Reserve Group by a range of different rate factors, so read on to find out which carrier is the best for you.

Atlantic States vs. Western Reserve Group: Average Car Insurance Rates by State

Atlantic States and Western Reserve Group only compete against each other in one states, with Western Reserve Group offering cheaper premiums to the average driver in all of them. Ohio has the most noticable difference, where Western Reserve Group rates are $61 more affordable than car insurance prices at Atlantic States.

There's a lot more that goes into your auto insurance cost than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Western Reserve Group save almost 10% per month compared to those who use Atlantic States.

However, both companies will drop premiums by the time drivers turn 25. Western Reserve Group offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Atlantic States's average rates decrease over 45% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Western Reserve Group gets the edge, with prices for drivers 65 and older more than 10% less expensive than the national average for Atlantic States.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more expensive for those who are single than they are for married policyholders? That's normally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with Western Reserve Group premiums coming in at about 15% less than Atlantic States's. The advantage is also clear for married drivers - Western Reserve Group offers the lowest average prices.

Atlantic States or Western Reserve Group: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll usually end up paying more for auto insurance than women.

Women typically pay nearly 10% a month less than men with Atlantic States, but surprisingly, with Western Reserve Group, women normally pay around 1% more per month than men.

Looking at the data for each carrier specifically, Western Reserve Group offers the most affordable average rates for both men and women, with average premiums $31 less for men and $15 cheaper for women.

Atlantic States vs. Western Reserve Group: 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.

Car insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing 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 property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability coverage).

When it comes to state minimum liability insurance, Atlantic States has the edge, while Western Reserve Group offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Atlantic States Insurance Company, while full coverage comes out to be about $55 more affordable with Western Reserve Group.

Is Atlantic States or Western Reserve Group Better for Drivers with Spotty Records?

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

It's no secret secret that collisions and speeding tickets lead to higher premiums, but which company -- Atlantic States or Western Reserve Group -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Atlantic States for their auto insurance can normally expect their monthly bill to go up around 5% after getting a speeding ticket. Western Reserve Group policyholders can expect a bit more drastic of an increase of about 28%.

If you have gotten a ticket, Atlantic States tends to offer the best prices at around 0% less expensive, while Western Reserve Group has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Both carriers will raise rates pretty significantly if you get into an at-fault collision with Atlantic States raising by about 24%. Western Reserve Group has a less extreme increase, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, the cheaper premiums come from Western Reserve Group, with average prices coming in at $120 compared to Atlantic States Insurance Company's $153.

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 speeding ticket or even a collision. Atlantic States drivers usually see a 54% raise in their car insurance premiums after a DUI charge, while Western Reserve Group will usually climb prices by around 60%.

But if you end up with a DUI charge and are looking for more affordable rates, Western Reserve Group tends to be less expensive for the average driver, with monthly premiums coming in at about $218 to Atlantic States's $250.

How does Credit Score Impact Atlantic States and Western Reserve Group Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly auto insurance prices. This isn't true for everyone (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

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

Looking at Atlantic States and Western Reserve Group specifically, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Western Reserve Group will typically reward you the most. For policyholders with "excellent" credit scores, Western Reserve Group comes in nearly 24.26 more affordable. Drivers with "good" credit scores generally save around 19% with Western Reserve Group compared to average rates from Atlantic States.

Which Company is Best for Drivers with Bad Credit?

Western Reserve Group typically offers lower prices than Atlantic States when it comes to drivers with bad credit. Drivers with "fair" credit pay about 10% a month less with Western Reserve Group compared to Atlantic States, and those with "poor" scores usually save an average of around 8% a month.

Is Atlantic States or Western Reserve Group 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 substantial impact on how much car insurance carriers will charge for coverage? Typically, those who drive fewer miles will end up with cheaper premiums 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 Western Reserve Group charges. However, there's a pretty significant difference in monthly rates for Atlantic States, with policyholders who drive the least paying about $18 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Western Reserve Group is the less expensive carrier.

Atlantic States or Western Reserve Group: 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 sizable impact as well. Normally, those who live in rural areas will pay less than drivers in urban areas because of the small number of cars that are on the roads where they live.

Western Reserve Group tends to offer the cheapest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around $8 with Western Reserve Group compared to Atlantic States. People who live in suburban areas pay about $4 less with Western Reserve Group compared to Atlantic States. For policyholders in urban ZIP codes, Western Reserve Group's average rates are around $58 less than Atlantic States Insurance Company.

Atlantic States vs. Western Reserve Group Discounts

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

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.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Atlantic States and Western Reserve Group so that you can see which one can save you the most money each month.

Atlantic States knocks Western Reserve Group out of the park when it comes to the sheer number of discounts available, offering 19 different discounts to Western Reserve Group's 11.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and discounts for insuring multiple cars with the same company. Atlantic States also offers discounts for ABS, driver training, family discount, and more.

On the other hand, Western Reserve Group has a few proprietary discounts of their own for things like agency transfer discounts, company car discounts, distant student discounts, and more.

Final Thoughts: Is Atlantic States or Western Reserve Group Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. But, at the end of the day, which carrier is the right carrier for you, your vehicle, and your wallet?

Western Reserve Group might be best for you if....

• Your driving record includes a DUI charge.
• You live in an suburban area.
• You drive fewer than 6,000 miles annually.

Atlantic States might be best for you if...

• You have received a ticket within the last few years.
• You want to save extra money with discounts.
• You're looking for the best prices on liability only coverage.

Hopefully, this guide has ben a valuable resource as you compare Atlantic States and Western Reserve Group. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Atlantic States and Western Reserve Group. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Atlantic States vs. Western Reserve Group FAQs

Is Atlantic States or Western Reserve Group cheaper?

Western Reserve Group is the more affordable of the two carriers when looking at national average premiums, with policies averaging $137 per month with Western Reserve Group and $160 for Atlantic States. But that doesn't mean Western Reserve Group will be the most affordable company for each policyholder, since there are multiple different factors that are considered when it comes to your auto insurance payment.

Who is better, Atlantic States or Western Reserve Group?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Atlantic States and Western Reserve Group offer me different rates?

Insurance companies use lots of different variables when determining the rates they charge. Things such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Atlantic States and Western Reserve Group calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Atlantic States or Western Reserve Group is right for me?

The only way to find the auto insurance carrier 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 do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Atlantic States or Western Reserve Group 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.