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

Want to know if ACCC or American Family is the better choice for car insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
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Quick Facts

  • Based on national averages for insurance, American Family offers slightly less expensive rates than ACCC
  • ACCC tends to be a much cheaper option for drivers with a DUI
  • American Family has more affordable prices for policyholders whose driving record contains an at-fault collision

ACCC or American Family: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to ACCC or American Family as potential options, but between the two, which carrier will save you the most?

ACCC American Family

Looking at the national average rates for both carriers, ACCC is around $9 more a month than American Family.

That being said, American Family may not be the lowest or best option for every single driver out there. Car insurance companies use tons of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among numerous other factors), you could see wildly different prices from the ones above.

Wanting to know if ACCC or American Family is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

ACCC vs. American Family: Average Car Insurance Rates by State

State ACCC American Family

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

That being said, there's a lot more that goes into your auto insurance cost than just where you call home. Read on to find out more.

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Which is the Best Company For Young Drivers?

ACCC American Family
18-year-old drivers$278$311
25-year-old drivers$152$121

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. The reason is that 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 auto insurance. As you can see above, teens who use ACCC save almost 10% per month compared to those who use American Family. It's worth noting that American Family offers car insurance in 16 different states compared to ACCC's three, which can skew the average premiums a bit, but the difference here is still considerable.

However, both carriers will lower prices by the time drivers turn 25. American Family offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. ACCC's average rates decrease over 45% during that same period.

Which is the Best Company for Retired Drivers?

ACCC American Family
65+-year-old drivers$112$107

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

But who has the best rates for retired drivers between ACCC and American Family? In this case, American Family has the slight edge, with premiums about $5 a month less than ACCC. But the difference is only around 5%, so other variables (like where you live or your driving record) will likely come into play when determining which carrier has the most affordable prices for you.

Which is the Best Company for Married Drivers?

ACCC American Family

Those who are single tend to get offered slightly more expensive insurance rates than married policyholders. That's usually because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average premiums between these two companies is not very significant, with American Family prices coming in at about 1% less than ACCC's. But for married couples, the advantage is clear - American Family has the edge when it comes to average premiums.

ACCC or American Family: Average Rates by Gender

ACCC American Family

You may not know, but car insurance is generally cheaper for women than it is for men. That's because men are more likely to get into collisions and get tickets, which raises the chances of filing a claim with insurance.

Normally, women see rates around $3 per month more affordable with ACCC, and about $5 with American Family.

When it comes to the cheapest premiums for each gender, American Family offers the most affordable average rates for both men and women, with average prices $7 less for men and $9 cheaper for women.

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ACCC vs. American Family: Compare State Minimum vs. Full Coverage Rates

ACCC American Family
State Minimum*$95$96
Full Coverage**$202$185

*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, insurance can be pretty complicated. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

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

When it comes to state minimum liability insurance, ACCC has the edge, while American Family offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $1 with ACCC Insurance Company, while full coverage comes out to be around $15 less expensive with American Family Insurance.

Is ACCC or American Family Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 premiums, but is ACCC or American Family more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

ACCC American Family
Clean Record$126$118
1 Speeding Ticket$148$147

Drivers who use ACCC for their insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. American Family policyholders can expect a bit more drastic of an increase of around 20%.

However, American Family has cheaper prices for drivers in both categories -- their rates are around 6% more affordable for drivers with clean records and 1% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

ACCC American Family
Clean Record$126$118
1 At-Fault Accident$181$138

After an accident, drivers who have their car insurance through ACCC can expect to see about an $55 -- or around 30% -- rise in their auto insurance premiums. Drivers who use American Family for their insurance will see a monthly bill about $20 (or 14%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, American Family offers the most affordable rates for drivers with an at-fault accident on their records, with average prices coming in at $138 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

ACCC American Family
Clean Record$126$118
1 DUI$140$158

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, American Family will raise your premiums around 25% after a DUI, while ACCC's average rates rise by 10%.

ACCC has the overall lowest prices for drivers with a DUI on their records at $140 a month, but it's worth noting that American Family's average rates come from 16 states compared to just three for ACCC, so the data may be skewed slightly.

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How does Credit Score Impact ACCC and American Family Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect many policyholders out there.

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 premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

ACCC American Family
Excellent Credit Score$106$100
Good Credit Score$125$120

If you have a great credit score, American Family will usually reward you the most. For policyholders with "excellent" credit scores, American Family comes in NaN less expensive. Drivers with "good" credit scores normally save about 4% with American Family compared to average rates from ACCC.

Which Company is Best for Drivers with Bad Credit?

ACCC American Family
Fair Credit Score$153$141
Poor Credit Score$211$201

American Family typically offers lower prices than ACCC when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 8% a month less with American Family compared to ACCC, and those with "poor" scores generally save an average of about 5% monthly.

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Is ACCC or American Family Better for Drivers who Work from Home or Have Short Commutes?

ACCC American Family
6,000 Annual Miles$149$138
12,000 Annual Miles$149$143

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance bill. Typically, those who drive fewer miles will end up with cheaper 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 ACCC charges. However, there's a small difference in monthly prices for American Family, with policyholders who drive 6,000 miles each year paying around $5 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, American Family is the more affordable company.

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

Where your home is can play a big role in how much you pay for car insurance. Generally, 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.

ACCC American Family
Urban Areas$173$166
Suburban Areas$143$134
Rural Areas$130$121

When comparing these two companies side-by-side, American Family normally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, American Family's average prices are about $166 per month compared to ACCC's $173. People in suburban areas pay around $134 with American Family compared to ACCC's $143 per month. Those in rural areas can expect to pay about $121 monthly with American Family compared to ACCC's $130.

ACCC vs. American Family Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both ACCC and American Family so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

ACCC American Family
Advance Quote Discount 
Anti-Theft Discount
Claim Free Discount 
Connect Partner Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
DRL Discount 
EFT Discount
ESC Discount 
Generational Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Liability Only Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 

American Family knocks ACCC out of the park when it comes to the sheer number of discounts available, offering 21 different discounts to ACCC's 21.

There are a couple discounts both carriers offer, but American Family also offers discounts for advance quote, connect partner, COVID-19 relief, 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, good driving discounts, and more.

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Final Thoughts: Is ACCC or American Family Best for You?

So, we've broken down the average premiums for many of the factors auto 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 insurance company is the right fit for you?

American Family might be best for you if....

  • You haven't received any speeding tickets or been in a collision in the last few years.
  • Your neighborhood is in a city.
  • You drive fewer than 6,000 miles annually.

ACCC might be best for you if...

  • Your driving record includes a DUI charge.
  • You're looking for the best rates on liability only coverage.
  • You want to save money while purchasing insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare ACCC and American Family. 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 best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just ACCC and American Family. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

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ACCC vs. American Family FAQs

Is ACCC or American Family cheaper?

American Family is the less expensive of the two carriers when looking at national average premiums, with policies averaging $140 a month with American Family and $149 for ACCC. That being said, that doesn't mean American Family will be the most affordable carrier for each driver, since there are multiple different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, ACCC or American Family?

Unfortunately, the answer truly is "it depends.". No single company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, American Family is more affordable for drivers with excellent credit, while ACCC offers cheaper prices for drivers with a recent DUI.

Why do ACCC and American Family offer me different rates?

Car insurance companies use quite a few different factors when determining the rates they charge. Variables like where you live, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be taken into consideration. Both ACCC and American Family calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't ACCC or American Family at all, but another you hadn't even thought of!


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.

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