ACCC vs. Allstate: Which Company is the Best Fit for You?

Quick Facts

• In general, ACCC offers significantly more affordable prices than Allstate
• ACCC offers more affordable premiums for policyholders who live in rural neighborhoods
• Allstate may help you save more money -- they offer more discounts than ACCC Insurance Company

ACCC or Allstate: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to ACCC or Allstate, but which company will save you the most?

Looking at the national average rates for both carriers, Allstate is quite a bit more expensive than ACCC, with rates averaging $199 a month compared to just $149 with ACCC.

Even so, that doesn't mean ACCC will necessarily be cheaper than Allstate for every single driver. Auto insurance companies use all sorts of complex algorithms to determine prices, so depending on where you live or how old you are (among a wide array of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of ACCC or Allstate is really the best for you, keep reading to see average rates for each company broken down by many different rate factors.

ACCC vs. Allstate: Average Car Insurance Rates by State

ACCC and Allstate only compete against each other in three states, with ACCC offering less expensive premiums to the average driver in all of them. Utah has the most noticable difference, where ACCC prices are $60 cheaper than car insurance premiums at Allstate.

There are plenty of other factors that go into your auto insurance bill than just where you call home. Keep reading to learn more.

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. That's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of over 40% less per month by choosing ACCC over Allstate.

But both carriers will lower premiums by the time you turn 25. For example, average prices for ACCC policyholders decrease more than 45% and Allstate's rates reduce almost 65% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums out there.

So, which carrier offers the best rates to retired drivers? ACCC gets the edge here, with average prices coming in at around $112 per month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are normally more expensive for those who are single than they are for married drivers? That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with ACCC premiums coming in at a quarter less than Allstate's. For married couples, the advantage is clear again - ACCC has the edge when it comes to average rates.

ACCC or Allstate: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to auto insurance men will generally end up paying a little more.

On average, men see prices about 2% a month higher with ACCC, but with Allstate, the difference is closer to 4% per month.

When it comes to the most affordable premiums for each gender, ACCC offers the lowest average prices for both men and women. On average, women save about $47 a month and men save around $53 with ACCC compared to the average Allstate policyholder.

ACCC vs. Allstate: 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.

It's no secret that insurance can be a complicated subject for most people. There are a variety of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, ACCC has the edge, with average monthly premiums coming in at $95. If you want a full coverage policy with the same state minimum limits, ACCC again has the edge, with policies averaging about $202 per month to Allstate's $289.

Is ACCC or Allstate Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates 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 speeding tickets and at-fault collisions on your record, but which of these two companies offers the cheapest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use ACCC for their auto insurance can generally expect their monthly bill to go up around 15% after getting a speeding ticket. Allstate policyholders can expect a less drastic increase of about 15%.

That being said, ACCC tends to offer the best prices for drivers both with clean records and with a ticket -- their rates are around 19% less expensive for drivers with clean records and 19% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through ACCC can expect to see around an $55 -- or about 30% -- rise in their insurance rates. Drivers who use Allstate for their car insurance will see a monthly bill around $73 (or 32%) more expensive after reporting an accident to their insurance company.

At the end of the day, the cheaper prices come from ACCC, with average rates coming in at $181 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Allstate drivers usually see a 31% raise in their car insurance prices after a DUI charge, while ACCC will usually increase premiums by about 10%.

How does Credit Score Impact ACCC and Allstate Rates?

Did you know many insurance carriers take your credit score into account when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it might come into play for several drivers.

Auto 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, policyholders with bad credit will often be forced to pay more.

Looking specifically at ACCC and Allstate, which carrier has the best prices 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 ACCC or Allstate 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 insurance carriers will charge for coverage? Typically, the more milage you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much ACCC charges. However, there's a small difference in monthly premiums for Allstate, with policyholders who drive 6,000 miles every year paying around $3 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, ACCC is the less expensive carrier.

ACCC or Allstate: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a pretty big role in how much you pay for auto insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

ACCC boasts the most affordable average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, ACCC's average premiums are about $173 while Allstate offers prices around $222. People in suburban areas pay a monthly rate of about $143 with ACCC compared to $199 with Allstate. Those in rural areas can expect to pay around $130 a month with ACCC compared to Allstate's $174.

ACCC vs. Allstate Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both ACCC and Allstate so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Allstate knocks ACCC out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to ACCC's 40.

A couple of those are overlapping for things like anti-theft discounts, EFT discounts, and discounts for being a good student. Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, ACCC has a few proprietary discounts of their own for things like claim free discounts, diminution of value discounts, liability only discounts, and more.

Final Thoughts: Is ACCC or Allstate Best for You?

So, we've broken down the average premiums for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right one for you and your specific profile and needs?

ACCC might be best for you if....

• Your driving record includes a DUI charge.
• Your neighborhood is in the suburbs.
• You're of retirement age and want to take advantage of lower rates.

Allstate might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between ACCC and Allstate. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just ACCC and Allstate. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

ACCC vs. Allstate FAQs

Is ACCC or Allstate cheaper?

ACCC is the more affordable of the two carriers when looking at national average prices, with policies averaging $149 a month with ACCC and $199 for Allstate. However, that doesn't mean ACCC will be the lowest company for every policyholder, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, ACCC or Allstate?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for each policyholder -- it all depends on what your unique insurance profile looks like.

Why do ACCC and Allstate offer me different rates?

Auto insurance companies use many different variables when calculating the premiums they charge. Factors such as your driving record, age, gender, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both ACCC and Allstate calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if ACCC or Allstate is right for me?

The only way to find the car 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 do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't ACCC or Allstate 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.