AAA vs. American Access Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• In general, American Access Casualty Company offers cheaper premiums than AAA
• AAA tends to be a much more affordable option for policyholders who live in rural neighborhoods
• American Access Casualty Company has less expensive rates for drivers with a DUI

AAA or American Access Casualty Company: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to AAA or American Access Casualty Company, but between the two, which carrier will save you the most?

Looking at nationwide averages, AAA is around $35 more a month than American Access Casualty Company.

That being said, that doesn't mean American Access Casualty Company will necessarily be cheaper than AAA for every driver. Insurance carriers vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and all sorts of other factors, so prices will vary quite a bit from person to person.

Luckily, we've broken down average rates from both AAA and American Access Casualty Company by a variety of different rate factors, so read on to find out which company is the best for you.

AAA vs. American Access Casualty Company: Average Car Insurance Rates by State

AAA and American Access Casualty Company only compete against each other in Nevada, where AAA offers the cheaper average prices. AAA drivers tend to pay about $4 per month less on average compared to drivers who use American Access Casualty Company for their car insurance.

That being said, there's a lot more that goes into your auto insurance payment than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of 6% less a month by choosing AAA over American Access Casualty Company.

But both companies will decrease premiums by the time you turn 25. For example, average rates for AAA policyholders lower almost 60% and American Access Casualty Company's premiums reduce nearly 70% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices out there.

So, which carrier offers the best rates to retired drivers? American Access Casualty Company gets the edge here, with average premiums coming in at about $196 a month compared to AAA's $238.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be less expensive for married drivers than they are for single drivers. That's usually because married couples tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two carriers is not very significant, with American Access Casualty Company prices coming in at around 7% less than AAA's. But for married policyholders, the advantage is clear - American Access Casualty Company has the edge when it comes to average premiums.

AAA or American Access Casualty Company: Average Rates by Gender

You may not know, but men typically pay more for car insurance than women do. That's because women are less likely to get tickets and get into collisions, which decreases the chances of filing a claim with insurance.

Men generally pay about $35 per month more than women with AAA, but with American Access Casualty Company, the difference is closer to $28 a month.

Looking at the data for each company specifically, American Access Casualty Company comes out on top for both men and women, with average rates $38 less for men and $32 cheaper for women.

AAA vs. American Access Casualty Company: 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 insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- 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 what you get with liability).

When it comes to state minimum liability limits, AAA has the edge, while American Access Casualty Company offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $30 with AAA Insurance, while full coverage comes out to be around $100 more affordable with American Access Casualty Company.

Is AAA or American Access Casualty Company Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your prices, but is AAA or American Access Casualty Company cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use AAA for their auto insurance can normally expect their monthly bill to go up about 29% after getting a speeding ticket. American Access Casualty Company policyholders can expect a less drastic increase of around 9%.

If you have gotten a ticket, American Access Casualty Company tends to offer the best rates at about 13% more affordable, while AAA has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

AAA policyholders who get in an accident can expect to see their premiums rise by just under $150, while those who have insurance through American Access Casualty Company will see around a $95 increase.

At the end of the day, American Access Casualty Company offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $332 compared to AAA Insurance's $339.

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 insurance bill -- generally a lot more than a collision or speeding ticket. On average, AAA will increase your rates about 47% after a DUI, while American Access Casualty Company's average prices increase by nearly 20%.

But if you end up with a DUI charge and are looking for more affordable rates, American Access Casualty Company tends to be less expensive for the average driver, with monthly premiums coming in at around $288 to AAA's $403.

How does Credit Score Impact AAA and American Access Casualty Company Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly auto insurance premiums. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it will come into play for several drivers.

Car insurance carriers 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.

So, which carrier offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, AAA will usually reward you the most. For drivers with "excellent" credit scores, AAA comes in just under 33.69 cheaper. Drivers with "good" credit scores normally save about 11% with AAA compared to average premiums from American Access Casualty Company.

Which Company is Best for Drivers with Bad Credit?

American Access Casualty Company typically offers lower prices than AAA when it comes to drivers with bad credit. Drivers with "fair" credit pay around 8% per month less with American Access Casualty Company compared to AAA, and those with "poor" scores typically save an average of about 48% monthly.

Is AAA or American Access Casualty Company 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 your monthly insurance cost? Generally, those who drive less will end up with more affordable rates 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 American Access Casualty Company charges. However, there's a small difference in monthly prices for AAA, with policyholders who drive the least paying around $13 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, American Access Casualty Company is the less expensive company.

AAA or American Access Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a big impact on your monthly car insurance bill. Typically, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

AAA usually comes out as the more affordable option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

In urban areas, AAA's average rates are about $384 a month compared to American Access Casualty Company's $411. People in suburban areas pay around $145 with American Access Casualty Company compared to AAA's $301 per month. Those in rural areas can expect to pay about $256 monthly with AAA and $282 with American Access Casualty Company.

AAA vs. American Access Casualty Company 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 with what seems like a million different discounts out there, it can be challenging 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 compared all of the different discounts offered by AAA and American Access Casualty Company so that you can see which one can save you the most money each month.

AAA knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to American Access Casualty Company's six.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and renewal discounts. AAA also offers discounts for AAA, academic, advance quote, and more.

On the other hand, American Access Casualty Company has a proprietary discount of their own -- a prior insurance discounts.

Final Thoughts: Is AAA or American Access Casualty Company Best for You?

So, we've broken down the average premiums for many of the variables insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is AAA or American Access Casualty Company the right company for you and your specific profile and needs?

American Access Casualty Company might be best for you if....

• You've received a ticket for speeding recently and don't want to see your prices climb.
• Your driving record contains an at-fault accident.
• You've started working from home and don't have much of a commute.

AAA might be best for you if...

• You have above-average credit.
• You care about discounts (Aaa offers the most).
• You want to save money while purchasing auto insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between AAA and American Access Casualty Company. We also hope we've given you the information you need to make the best 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 car insurance policy is to compare quotes from several carriers, not just AAA and American Access Casualty Company. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

AAA vs. American Access Casualty Company FAQs

Is AAA or American Access Casualty Company cheaper?

American Access Casualty Company is the cheaper of the two carriers when looking at national average rates, with policies averaging $279 per month with American Access Casualty Company and $314 for AAA. But that doesn't mean American Access Casualty Company will be the lowest company for every driver, 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, AAA or American Access Casualty Company?

Sadly, the real answer is "it depends.". Neither carrier is "better" for each policyholder -- it all boils down to your unique auto insurance profile. For example, AAA is less expensive for drivers with excellent credit, while American Access Casualty Company offers cheaper prices for drivers with a recent DUI.

Why do AAA and American Access Casualty Company offer me different rates?

Car insurance companies use quite a few different variables when determining the rates they charge. Things like your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be used. Both AAA and American Access Casualty Company use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different carriers.

How do I know if AAA or American Access Casualty Company is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't AAA or American Access Casualty Company 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.