Accc vs. Country Financial: Which Company is the Best Fit for You?

How do Accc and Country Financial compare when it comes to car insurance premiums and discounts? If you want to find out which carrier has the best prices for your unique profile, check out our latest guide below.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • In general, Country Financial offers slightly more affordable rates than Accc
  • Accc tends to be a much cheaper option for drivers with a DUI
  • Country Financial has less expensive premiums for residents of suburban areas

Accc or Country Financial: 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 huge savings. But exactly how much can you save by switching?

You might have narrowed it down to Accc or Country Financial, but which one will save you the most?

Accc Country Financial

As you can see, Accc is around $11 more a month than Country Financial when looking at the national average rates for auto insurance.

But that doesn't mean Country Financial will necessarily be more affordable than Accc for every driver. Insurance carriers use a variety of complex algorithms to determine rates, so depending on where you live or how good your credit score is (among a wide array of other factors), you could see wildly different prices from the ones above.

Wanting to know if Accc or Country Financial 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. Country Financial: Average Car Insurance Rates by State

State Accc Country Financial

Accc and Country Financial only compete against each other in two states, with Accc offering less expensive rates to the average driver in all of them. Georgia has the most noticable difference, where Country Financial prices are $37 cheaper than car insurance premiums at Accc.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your rates. Continue reading to learn more about how other variables will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Accc Country Financial
18-year-old drivers$278$258
25-year-old drivers$152$139

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers out there on the road. The reason is that 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 teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Country Financial for their auto insurance pay 7% less than those who use Accc.

Even so, with both carriers, you'll see your prices decrease significantly by the time you turn 25. Country Financial offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Accc's average premiums lower over 45% during that same period.

Which is the Best Company for Retired Drivers?

Accc Country Financial
65+-year-old drivers$112$105

Drivers around retirement age usually enjoy some of the lowest car insurance prices you can find. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise rates.

When looking at Accc and Country Financial specifically, which carrier is best for retired drivers? Country Financial gets the slight edge here, with average prices coming in at about $105 a month compared to Accc's $112.

Which is the Best Company for Married Drivers?

Accc Country Financial

You may not be aware, but auto insurance rates tend to be more affordable for married drivers than they are for those who are single. That's typically because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two companies is not very significant, with Country Financial rates coming in at around 4% less than Accc's. But for married policyholders, the advantage is clear - Country Financial has the edge when it comes to average premiums.

Accc or Country Financial: Average Rates by Gender

Accc Country Financial

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Usually, men see rates about 2% per month higher with Accc, and around 2% more with Country Financial.

Looking at the data for each company specifically, Country Financial offers the cheapest average prices for both men and women. On average, women save about $10 a month and men save about $10 with Country Financial compared to the average Accc policyholder.

Find your best rate in just a few minutes

Accc vs. Country Financial: Compare State Minimum vs. Full Coverage Rates

Accc Country Financial
State Minimum*$95$82
Full Coverage**$202$194

*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. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

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

Looking specifically at state minimum liability limits, Country Financial has the edge, with average monthly premiums coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging around $194 per month to Accc's $202.

Is Accc or Country Financial 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 at-fault accidents and speeding tickets on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Country Financial
Clean Record$126$105
1 Speeding Ticket$148$136

Policyholders who use Accc for their insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. Country Financial policyholders can expect a bit more drastic of an increase of around 23%.

That being said, Country Financial is normally the cheaper option for both drivers who have clean records and those with a recent ticket -- their rates are around 17% less expensive for drivers with clean records and 8% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Accc Country Financial
Clean Record$126$105
1 At-Fault Accident$181$147

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

At the end of the day, the cheaper rates come from Country Financial, with average premiums coming in at $147 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

Accc Country Financial
Clean Record$126$105
1 DUI$140$165

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. For example, Country Financial increases average prices by $60 a month -- that's more than a 35% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Accc tends to be less expensive for the average driver, with monthly premiums coming in at around $140 to Country Financial's $165.

Find your best rate in just a few minutes

How does Credit Score Impact Accc and Country Financial Rates?

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

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

Accc Country Financial
Excellent Credit Score$106$116
Good Credit Score$125$121

Which Company is Best for Drivers with Bad Credit?

Accc Country Financial
Fair Credit Score$153$127
Poor Credit Score$211$188

Find your best rate in just a few minutes

Is Accc or Country Financial Better for Drivers who Work from Home or Have Short Commutes?

Accc Country Financial
6,000 Annual Miles$149$137
12,000 Annual Miles$149$139

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. Usually, those who drive fewer miles will end up with more affordable prices 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 premiums for Country Financial, with drivers who put 6,000 miles on their car each year paying about $2 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Country Financial is the cheaper company.

Accc or Country Financial: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a sizable impact on your monthly auto insurance payment. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer vehicles on the roads where they live.

Accc Country Financial
Urban Areas$173$175
Suburban Areas$143$131
Rural Areas$130$109

When comparing these two carriers side-by-side, Country Financial typically comes out as the less expensive option for drivers in rural and suburban areas, while Accc wins in urban areas.

If you live in a rural area, you can expect to pay around $109 per month with Country Financial compared to Accc's $130. People in suburban areas pay about $131 with Country Financial compared to Accc's $143 monthly. For drivers in urban ZIP codes, Accc's average rates are around $173 while Country Financial offers premiums about $175.

Accc vs. Country Financial Discounts

No matter why you might be in the market for a new car 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 taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard 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 Country Financial so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Accc Country Financial
Anti-Theft Discount
Claim Free Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Driver Training Discount 
EFT Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Liability Only Discount 
Mature Driver Discount 
Multi-Policy Discount 
Non-Owner Discount 
Occupation Discount 
Paid In Full Discount 
Passive Restraint Discount 
Punitive Damage Exclusion Discount 
Simply Drive Discount 
Telematics Discount 

Looking at the total number of discounts, Accc comes out ahead with 11 discounts to Country Financial's 10.

Both companies offer quite a few of the same discounts -- like anti-theft discounts and discounts for being a good student -- but Accc also offers discounts for claim free, diminution of value, EFT, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like defensive driver discounts, driver training discounts, group discounts, and more.

Find your best rate in just a few minutes

Final Thoughts: Is Accc or Country Financial Best for You?

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which insurance company is the right fit for you?

Country Financial might be best for you if....

  • Your driving record contains an at-fault accident.
  • You're looking for the best prices on liability only coverage.
  • You want to save money while purchasing car insurance for a teenager.

Accc might be best for you if...

  • Your driving record includes a DUI charge.
  • You're looking for the carrier with the most discounts.
  • Your home is in a busy urban area.

Hopefully, this guide helps you get a good idea of the differences between Accc and Country Financial and that you can now make a more informed 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 multiple companies, not just Accc and Country Financial. Luckily, does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Find your best rate in just a few minutes

Accc vs. Country Financial FAQs

Is Accc or Country Financial cheaper?

Country Financial is the more affordable of the two companies when looking at national average premiums, with policies averaging $138 per month with Country Financial and $149 for Accc. But that doesn't mean Country Financial will be the cheapest company for everyone, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Accc or Country Financial?

Sadly, the real answer is "it depends.". Neither carrier is "better" for each policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Accc and Country Financial offer me different rates?

Auto insurance carriers use several different factors when determining the rates they charge. Variables such as gender, age, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both Accc and Country Financial calculate prices using 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 a bunch of different companies.

How do I know if Accc or Country Financial is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like do 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. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Accc or Country Financial 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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes