Accc vs. Auto-owners: Which Company is the Best Fit for You?

Wondering if Accc or Auto-owners is the best car insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
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Quick Facts

  • Looking at the national averages for auto insurance, Accc offers less expensive prices than Auto-owners
  • Accc has cheaper rates for drivers who have received a ticket within the last few years
  • Auto-owners offers more discounts than ACCC Insurance Company

Accc vs. Auto-owners: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Accc or Auto-owners as your top options, but which company will offer you more affordable prices?

Accc Auto-owners

As you can see, Accc is about $30 per month cheaper than Auto-owners when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean Accc will be the more affordable option for every driver. Auto insurance companies use a variety of complex algorithms to calculate rates, so depending on how good your credit score is or where you live (among numerous other factors), you could see wildly different premiums from the ones above.

Wanting to know if Accc or Auto-owners is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Accc or Auto-owners: Average Car Insurance Rates by State

State Accc Auto-owners

Accc and Auto-owners 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 rates are over 70% more affordable than car insurance prices at Auto-owners.

That being said, there are plenty of other factors that go into your insurance bill than just where you call home. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Accc Auto-owners
18-year-old drivers$278$393
25-year-old drivers$152$164

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Accc save more than $100 a month compared to those who use Auto-owners.

However, both carriers will decrease rates once you turn 25. Auto-owners offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Accc still has the most affordable premiums at $152 monthly.

Which is the Best Company for Retired Drivers?

Accc Auto-owners
65+-year-old drivers$112$133

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you can find.

So, which company offers the best prices to retired drivers? Accc gets the edge, with rates for drivers 65 and older $21 cheaper than the national average for Auto-owners.

Which is the Best Company for Married Drivers?

Accc Auto-owners

Married policyholders tend to get slightly less expensive auto insurance prices than single drivers. That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Accc is the clear winner for single policyholders, with premiums around $44 per month cheaper than Auto-owners, on average. It's not quite so glaring for married drivers, where drivers who use Accc save nearly 10% a month.

Accc vs. Auto-owners: Average Rates by Gender

Accc Auto-owners

Because men are more likely to get into accidents and get speeding tickets, they run a larger risk of filing a claim with insurance. Therefore, men typically pay more for insurance than women.

Women normally pay about $3 per month less than men with Accc, and over $10 with Auto-owners.

When it comes to the cheapest prices for each gender, Accc comes out on top for both men and women, with average rates 19% less for men and 16% cheaper for women.

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Accc or Auto-owners: Compare State Minimum vs. Full Coverage Rates

Accc Auto-owners
State Minimum*$95$99
Full Coverage**$202$260

*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.

Auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability insurance, Accc typically offers slightly more affordable premiums of $95 compared to Auto-owners's $99. When it comes to full coverage policies with similar limits, Accc again has the edge, with policies around $60 a month less expensive than Auto-owners, on average.

Is Accc or Auto-owners 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.

Accidents and tickets will most likely raise your premiums, but is Accc or Auto-owners more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Auto-owners
Clean Record$126$121
1 Speeding Ticket$148$165

Accc policyholders can expect their rates to go up an average of $22 per month if they get a ticket, while Auto-owners usually raises prices about $44 a month, on average.

If you have a clean record, Auto-owners tends to offer the best rates at around 4% less expensive, while Accc has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Accc Auto-owners
Clean Record$126$121
1 At-Fault Accident$181$168

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Accc climbing by $55. Auto-owners has a less extreme increase, but you can still expect to pay over $45 more than you were prior to your first collision.

Overall, drivers who use Auto-owners end up with the cheaper prices after an accident, with monthly rates averaging $168 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

Accc Auto-owners
Clean Record$126$121
1 DUI$140$264

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. Auto-owners drivers usually see a 54% raise in their car insurance premiums after a DUI charge, while Accc will generally climb prices by about 10%.

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How does Credit Score Impact Accc and Auto-owners Rates?

Did you know that many auto insurance companies take your credit score into account when calculating premiums? This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for several drivers.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will normally be forced to pay more.

So, which carrier offers the lowest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Accc Auto-owners
Excellent Credit Score$106$95
Good Credit Score$125$129

Which Company is Best for Drivers with Bad Credit?

Accc Auto-owners
Fair Credit Score$153$176
Poor Credit Score$211$317

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Is Accc or Auto-owners Better for Drivers who Work from Home or Have Short Commutes?

Accc Auto-owners
6,000 Annual Miles$149$179
12,000 Annual Miles$149$180

Did you know that the amount of time you spend in your car have a considerable impact on your monthly rates? Generally, the more miles 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 Auto-owners, with policyholders who drive the least paying around $1 less each month compared to those who drive 12,000 miles every year. Still, Accc is the cheaper option for drivers in both categories.

Accc vs. Auto-owners: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a large impact on your monthly auto insurance cost. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Accc Auto-owners
Urban Areas$173$205
Suburban Areas$143$169
Rural Areas$130$164

When comparing these two companies side-by-side, Accc normally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both carriers, but Accc comes out on top with average rates about $130 a month. Accc also has less expensive average prices for drivers in urban and suburban ZIP codes -- a $32 and $26 per month respective difference when compared to Auto-owners policyholders in similar areas.

Accc vs. Auto-owners Discounts

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

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts Accc and Auto-owners offer their customers so that you can see which one can save you the most money each month.

Accc Auto-owners
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount
Claim Free Discount 
Company Car Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
Driver Training Discount 
Education Discount 
EFT Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount 
Inside Storage Discount 
Liability Only Discount 
Life Policy Discount 
Low Mileage Discount 

Auto-owners blows Accc away when it comes to the sheer amount of discounts available, offering 24 different discounts to Accc's 11.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and paid in full discounts. Auto-owners also offers ABS discounts, advance quote discounts, company car discounts, and more that Accc does not.

On the flip side, Accc has a couple unique discounts of its own -- claim free discounts, diminution of value discounts, EFT discounts, and more.

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Final Thoughts: Is Accc or Auto-owners Best for You?

So, we've broken down the average rates for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Accc or Auto-owners the right fit for you?

Accc might be best for you if....

  • You have a DUI charge on your record.
  • You want basic car insurance coverage at the state minimum limits.
  • You're buying auto insurance for a teen and looking for a wallet-friendly option.

Auto-owners might be best for you if...

  • You are considering moving to another state -- undefined only offers policies to residents.
  • You want to save money on your insurance after an accident.
  • You care about discounts (Auto-owners offers the most).

We hope this guide has ben a valuable resource as you compare Accc and Auto-owners and that it aids in making a more informed decision about 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 Auto-owners. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

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Accc vs. Auto-owners FAQs

Is Accc or Auto-owners cheaper?

Looking just at the national average premiums, Accc is the cheaper of the two carriers, offering average rates of $149 a month compared to $179 for Auto-owners. That being said, Accc won't necessarily be the most affordable carrier for each driver, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, Accc or Auto-owners?

Sadly, the answer truly is "it depends.". Neither company is necessarily "better" for every driver -- it all comes down to what your unique car insurance profile looks like. For example, Accc offers more affordable prices for drivers with a recent DUI, while Auto-owners is less expensive for drivers with excellent credit.

Why do Accc and Auto-owners offer me different rates?

Auto insurance companies take a look at lots of different factors when determining the premiums they charge drivers. Things like your driving record, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both Accc and Auto-owners calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Accc or Auto-owners is right for me?

The only way to find the car 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, makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Accc or Auto-owners at all!


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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