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

How do Accc and Esurance 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
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Quick Facts

  • Looking at the national averages for insurance, Accc offers significantly less expensive rates than Esurance
  • Accc has more affordable prices for policyholders who live in urban areas
  • Esurance may help you save more money -- they offer more discounts than ACCC Insurance Company

Accc or Esurance: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Accc or Esurance as your top options, but between the two, which company has cheaper premiums for auto insurance?

Accc Esurance

As you can see, Esurance is quite a bit more expensive than Accc, with rates averaging $299 a month compared to just $149 with Accc when looking at the national average rates for insurance.

That being said, that doesn't mean Accc will necessarily be more affordable than Esurance for every single driver. Car insurance carriers use all sorts of complex algorithms to determine premiums, so depending on how clean your driving record is or where you live (among a lot of other factors), you could see wildly different prices from the ones above.

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

Accc vs. Esurance: Average Car Insurance Rates by State

State Accc Esurance

Accc and Esurance only compete against each other in two states, with Accc offering less expensive prices to the average driver in all of them. Georgia has the most noticable difference, where Accc premiums are $102 cheaper than auto insurance rates at Esurance.

There are plenty of other factors that go into your car insurance cost than just where you live. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Accc Esurance
18-year-old drivers$278$711
25-year-old drivers$152$233

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Accc for their car insurance pay almost 60% less than those who use Esurance. It's worth noting that Esurance offers auto insurance in 11 different states compared to Accc's three, which can skew the average rates a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your prices decrease significantly by the time drivers turn 25. Esurance offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Accc still has the lowest rates at $152 a month.

Which is the Best Company for Retired Drivers?

Accc Esurance
65+-year-old drivers$112$232

Drivers around retirement age usually enjoy some of the most affordable insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise premiums.

So, which carrier offers the best prices to retired drivers? Accc gets the edge, with rates for drivers 65 and older over 50% more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

Accc Esurance

You may not be aware, but car insurance premiums tend to be less expensive for married couples than they are for single drivers. This usually boils down to married policyholders having more than one vehicle on their policy -- something many auto insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Accc prices coming in at around half of Esurance's. The advantage is also clear for married drivers - Accc offers the cheapest average premiums.

Accc or Esurance: Average Rates by Gender

Accc Esurance

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for insurance than women.

With Accc, men generally pay about $3 per month more than women, but with Esurance, the difference is closer to $21 a month.

When it comes to the most affordable prices for each gender, Accc comes out as the lowest option for both genders, with average rates $159 less for men and $141 cheaper for women.

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Accc vs. Esurance: Compare State Minimum vs. Full Coverage Rates

Accc Esurance
State Minimum*$95$201
Full Coverage**$202$396

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

But most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, 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 Esurance's $396.

Is Accc or Esurance Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Esurance
Clean Record$126$242
1 Speeding Ticket$148$287

Policyholders who use Accc for their car insurance can normally expect their monthly bill to go up about 15% after getting a speeding ticket. Esurance policyholders can expect a bit more drastic of an increase of around 16%.

Even so, Accc has more affordable prices for drivers in both categories, offering premiums that are $116 and $139 less expensive, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Accc Esurance
Clean Record$126$242
1 At-Fault Accident$181$364

Accc drivers who get in a collision can expect to see their rates increase by over 30%, while those who have insurance through Esurance will see about a 35% increase.

At the end of the day, drivers who use Accc end up with the cheaper prices after an accident, with average premiums coming in at $181 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

Accc Esurance
Clean Record$126$242
1 DUI$140$301

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than an accident or ticket. On average, Esurance will climb your prices around 20% after a DUI, while Accc's average rates rise by 10%.

Accc has the overall lowest premiums for drivers with a DUI on their records at $140 per month, but it's worth noting that Esurance's average rates come from 11 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 Esurance Rates?

Did you know many auto insurance companies take into account your credit score when determining prices? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it might come into play for several policyholders.

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

Looking at Accc and Esurance specifically, which one has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Accc Esurance
Excellent Credit Score$106$214
Good Credit Score$125$266

If you have a great credit score, Accc will usually reward you the most. For drivers with "excellent" credit scores, Accc comes in more than 50.47 cheaper. Drivers with "good" credit scores generally save about 53% with Accc compared to average rates from Esurance.

Which Company is Best for Drivers with Bad Credit?

Accc Esurance
Fair Credit Score$153$305
Poor Credit Score$211$424

Accc typically offers lower prices than Esurance when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 50% a month less with Accc compared to Esurance, and those with "poor" scores normally save an average of about 50% monthly.

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

Accc Esurance
6,000 Annual Miles$149$298
12,000 Annual Miles$149$299

Did you know that the amount of time you spend in your car have a substantial impact on how much auto insurance companies will charge for coverage? Typically, those who drive fewer miles will end up with less expensive premiums 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 rates for Esurance, with drivers who put 6,000 miles on their vehicle yearly paying around $1 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Accc is the more affordable company.

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

Where you park your car can play a big role in how much you pay for insurance. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of vehicles that are on the roads where they live.

Accc Esurance
Urban Areas$173$396
Suburban Areas$143$288
Rural Areas$130$211

When comparing these two carriers side-by-side, Accc typically comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $130 per month with Accc compared to Esurance's $211. People in suburban areas pay around $143 with Accc compared to Esurance's $288 monthly. In urban areas, Accc's average rates are about $173 while Esurance offers prices around $396.

Accc vs. Esurance Discounts

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

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

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

Accc Esurance
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount
Claim Free Discount 
Defensive Driver Discount 
Diminution of Value Discount 
DRL Discount 
Education Discount 
EFT Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Homeowner Discount 
Liability Only Discount 
Mature Driver Discount
Military Discount 
Multi-Car Discount 
Multi-Policy Discount 

Esurance 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. Esurance 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, EFT discounts, and more.

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Final Thoughts: Is Accc or Esurance Best for You?

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Accc or Esurance the right carrier for you and your specific needs?

Accc might be best for you if....

  • You've been pulled over for speeding recently.
  • Your credit score is high.
  • You want to save money while purchasing auto insurance for a teenager.

Esurance might be best for you if...

  • You value the experience that comes with a large national car insurance company.
  • You're looking for discounts -- Esurance has the most.

Hopefully, this guide helps you get a good idea of the differences between Accc and Esurance and that it aids in making a more informed decision about your auto 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 car insurance -- comparing quotes from a handful of companies, not just Accc and Esurance. 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. Esurance FAQs

Is Accc or Esurance cheaper?

Accc is the cheaper of the two companies when looking at national average rates, with policies averaging $149 per month with Accc and $299 for Esurance. That being said, that doesn't mean Accc will be the lowest carrier for everyone, since there are a bunch of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Accc or Esurance?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Accc and Esurance offer me different rates?

Insurance carriers use lots of different variables when calculating the premiums they charge. Things such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Accc and Esurance use 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 lots of different companies.

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

The only way to find the auto insurance company 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 area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Accc or Esurance 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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