Accc vs. Central Mutual: Which Company is the Best Fit for You?

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Accc and Central Mutual. But which of these two companies is the best one for you? Read on to find which carrier has the best premiums and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • In general, Accc offers significantly more affordable rates than Central Mutual
  • Accc has less expensive prices for single people who will be the only person on the insurance policy
  • Central Mutual may help you save more money -- they offer more discounts than ACCC Insurance Company

Accc or Central Mutual: 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 your search down to Accc or Central Mutual for your next policy, but between the two, which one has cheaper rates for car insurance?

Accc Central Mutual

Looking at nationwide averages, Central Mutual has average rates that are around 55% a month more expensive than those from Accc.

But that doesn't mean Accc will necessarily be more affordable than Central Mutual for every driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things). So, at the end of the day, premiums from each company will differ quite a bit from person to person.

So, if you want to find out which of Accc or Central Mutual is really the best for you, keep reading to see average prices for each carrier broken down by a variety of different rate factors.

Accc vs. Central Mutual: Average Car Insurance Rates by State

State Accc Central Mutual

Accc and Central Mutual only compete against each other in one states, with Accc offering less expensive rates to the average driver in all of them. Georgia has the most noticable difference, where Accc prices are $187 cheaper than auto insurance premiums at Central Mutual.

But there's more to calculating insurance prices than just your home state. Read on to find out more.

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Which is the Best Company For Young Drivers?

Accc Central Mutual
18-year-old drivers$278$580
25-year-old drivers$152$325

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's usually because teen 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 car insurance premiums. For example, 18-year-old drivers pay an average of over 50% less per month by choosing Accc over Central Mutual.

Even so, both companies will drop rates by the time you turn 25. Central Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Accc still has the cheapest prices at $152 a month.

Which is the Best Company for Retired Drivers?

Accc Central Mutual
65+-year-old drivers$112$275

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

When looking at Accc and Central Mutual specifically, which company is best for retired drivers? Accc gets the edge, with rates for drivers 65 and older $163 less expensive than the national average for Central Mutual.

Which is the Best Company for Married Drivers?

Accc Central Mutual

Single drivers tend to get offered slightly more expensive auto insurance prices than married policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something lots of car insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Accc prices coming in at about half of Central Mutual's. For married drivers, the advantage is clear again - Accc has the edge when it comes to average premiums.

Accc or Central Mutual: Average Rates by Gender

Accc Central Mutual

Because women are less likely to get speeding tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance carriers will often charge women less than men.

Men typically pay around 2% more a month than women with Accc, and about 4% more with Central Mutual.

Looking at overall affordability, Accc comes out as the lowest option for both genders, with average rates 57% less for men and 56% cheaper for women.

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Accc vs. Central Mutual: Compare State Minimum vs. Full Coverage Rates

Accc Central Mutual
State Minimum*$95$174
Full Coverage**$202$506

*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.

Insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their 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 coverage).

Looking specifically at state minimum limits for liability insurance, Accc has the significant 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 around $202 per month to Central Mutual's $506.

Is Accc or Central Mutual 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.

Speeding tickets and at-fault collisions will most likely raise your prices, but is Accc or Central Mutual cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Central Mutual
Clean Record$126$242
1 Speeding Ticket$148$326

Policyholders who use Accc for their insurance can generally expect their monthly bill to go up about 15% after getting a speeding ticket. Central Mutual policyholders can expect a bit more drastic of an increase of around 26%.

That being said, Accc has more affordable rates for drivers in both categories. With ACCC Insurance Company, drivers with a clean record can save about $116 a month and drivers with a ticket can save around $178 per month.

Which Company is Best for Drivers After an Accident?

Accc Central Mutual
Clean Record$126$242
1 At-Fault Accident$181$311

Accc drivers who get in an accident can expect to see their premiums rise by over 30%, while those who have insurance through Central Mutual will see about a 20% increase.

At the end of the day, the less expensive prices come from Accc, with average rates coming in at $181 compared to Central Mutual Insurance's $311.

Which Company is Best for Drivers with a DUI?

Accc Central Mutual
Clean Record$126$242
1 DUI$140$482

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. On average, Central Mutual will raise your prices around 50% after a DUI, while Accc's average rates climb by 10%.

But if you end up with a DUI charge and are looking for more affordable premiums, Accc tends to be more affordable for the average driver, with monthly premiums coming in at about $140 to Central Mutual's $482.

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How does Credit Score Impact Accc and Central Mutual Rates?

Did you know many car insurance companies take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it does affect quite a few policyholders out there.

Auto 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 Central Mutual
Excellent Credit Score$106$257
Good Credit Score$125$288

If you have great credit, Accc will typically reward you the most. For policyholders with "excellent" credit scores, Accc comes in nearly 58.75 cheaper. Drivers with "good" credit scores usually save around 57% with Accc compared to average rates from Central Mutual.

Which Company is Best for Drivers with Bad Credit?

Accc Central Mutual
Fair Credit Score$153$329
Poor Credit Score$211$486

Accc typically offers lower premiums than Central Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 53% a month less with Accc compared to Central Mutual, and those with "poor" scores normally save an average of around 57% per month.

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Is Accc or Central Mutual Better for Drivers who Work from Home or Have Short Commutes?

Accc Central Mutual
6,000 Annual Miles$149$335
12,000 Annual Miles$149$345

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. Usually, those who drive less will end up with more affordable rates since there's less of a chance of causing a collision 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 Central Mutual, with drivers who put 6,000 miles on their vehicle annually paying about $10 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Accc is the cheaper company.

Accc or Central Mutual: 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 car insurance, but the type of area you live in can have a large impact as well. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the roads where they live.

Accc Central Mutual
Urban Areas$173$529
Suburban Areas$143$263
Rural Areas$130$228

Accc boasts the lowest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $98 with Accc compared to Central Mutual. People who live in suburban areas pay about $120 less with Accc compared to Central Mutual. For drivers in urban ZIP codes, ACCC Insurance Company's average rates are around $356 less than Central Mutual Insurance.

Accc vs. Central Mutual 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. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult 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 compared all of the different discounts offered by Accc and Central Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Accc Central Mutual
ABS Discount 
Anti-Theft Discount
Book Transfer Policy Discount 
Claim Free Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Liability Only Discount 
Mature Driver Discount 
Multi-Policy Discount 
Non-Owner Discount 
Paid In Full Discount
Passive Restraint Discount 
Punitive Damage Exclusion Discount 

Overall, Central Mutual comes out ahead with 15 discounts to Accc's 11.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for being a good student, and paid in full discounts -- but Central Mutual also offers discounts for ABS, book transfer policy, defensive driver, 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, EFT discounts, and more.

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Final Thoughts: Is Accc or Central Mutual Best for You?

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which insurance company is the right fit for you?

Accc might be best for you if....

  • Your driving record includes a DUI charge.
  • You want the most robust protection via a "full coverage" policy.
  • You are purchasing your insurance with a spouse.

Central Mutual might be best for you if...

  • You care about discounts (Central Mutual offers the most).

Hopefully, this guide helps you get a better idea of the difference between Accc and Central Mutual and that you can now make a more informed decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several companies, not just Accc and Central Mutual. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

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Accc vs. Central Mutual FAQs

Is Accc or Central Mutual cheaper?

Accc is the less expensive of the two companies when looking at national average premiums, with policies averaging $149 per month with Accc and $340 for Central Mutual. Even so, that doesn't mean Accc will be the cheapest carrier for each policyholder, since there are many different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Accc or Central Mutual?

Unfortunately, the only answer we can give you is "it depends.". No one company is "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Accc and Central Mutual offer me different rates?

Car insurance carriers use several different variables when calculating the prices they charge. Things like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be used. Both Accc and Central Mutual calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Accc or Central Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Accc or Central Mutual 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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