Accc vs. Farm Bureau Financial Services: Which Company is the Best Fit for You?

Quick Facts

• In general, Accc offers more affordable prices than Farm Bureau Financial Services
• Accc offers more affordable rates for policyholders who have a short commute
• Farm Bureau Financial Services offers more affordable premiums for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

Accc vs. Farm Bureau Financial Services: Which Company has the Cheapest Car Insurance?

So, you're thinking about 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 it down to Accc or Farm Bureau Financial Services, but between the two, which one has less expensive prices for auto insurance?

Looking at nationwide averages, Accc has average rates that are about 12% per month cheaper than those from Farm Bureau Financial Services.

But that doesn't necessarily mean Accc will be the more affordable option for every driver. Insurance companies use tons of complex algorithms to calculate rates, so depending on how clean your driving record is or how good your credit score is (among a wide array of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Accc or Farm Bureau Financial Services is really the best for you, keep reading to see average rates for each carrier broken down by lots of different rate factors.

Accc or Farm Bureau Financial Services: Average Car Insurance Rates by State

Accc and Farm Bureau Financial Services only compete against each other in two states, with Accc offering cheaper premiums to the average driver in all of them. Arizona has the most noticable difference, where Accc rates are over 30% less expensive than auto insurance premiums at Farm Bureau Financial Services.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your prices. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. That's because young, inexperienced 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. For example, 18-year-old drivers pay an average of $55 less a month by choosing Accc over Farm Bureau Financial Services.

Even so, with both companies, you'll see your rates drop significantly once you turn 25. For example, average prices for Accc policyholders lower more than 45% and Farm Bureau Financial Services's premiums decrease nearly 55% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? Accc gets the edge here, with average premiums coming in at around $112 a month compared to Farm Bureau Financial Services's $127.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are normally cheaper for married couples than they are for those who are single? This usually boils down to married policyholders having multiple cars on their policy -- something many car insurance carriers will reward with discounts.

When it comes to relationship status, Accc is the clear winner for single drivers, with rates about $27 per month more affordable than Farm Bureau Financial Services, on average. The advantage is also clear for married drivers - Accc offers the most affordable average premiums.

Accc vs. Farm Bureau Financial Services: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will typically end up paying a little more.

Generally, women see prices around 2% a month less with Accc, but surprisingly, with Farm Bureau Financial Services, women usually pay about 3% more per month than men.

When it comes to the cheapest rates for each gender, Accc offers the most affordable average premiums for both men and women. On average, male drivers save about $18 a month and women save around $26 with Accc compared to the average Farm Bureau Financial Services policyholder.

Accc or Farm Bureau Financial Services: Compare State Minimum vs. Full Coverage Rates

*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.

It's no secret that car insurance can be pretty complicated. There are a range of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

In this case, Farm Bureau Financial Services offers the cheapest average rates for state minimum liability insurance, while Accc has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Farm Bureau Financial Services, while full coverage comes out to be about $50 less expensive with ACCC Insurance Company.

Is Accc or Farm Bureau Financial Services Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

At-fault accidents and tickets will most likely raise your rates, but is Accc or Farm Bureau Financial Services more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Accc policyholders can expect their premiums to go up an average of $22 per month if they get a ticket, while Farm Bureau Financial Services generally raises prices around $25 a month, on average.

But Farm Bureau Financial Services tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are $5 and $2 less expensive, respectively, compared to ACCC Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Accc can expect to see about an $55 -- or around 30% -- increase in their car insurance prices. Drivers who use Farm Bureau Financial Services for their insurance will see a monthly bill about $66 (or 35%) more expensive after reporting an accident to their auto insurance carrier.

Overall, the cheaper rates come from Accc, with monthly premiums averaging $181 compared to Farm Bureau Financial Services's $187.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or ticket. For example, Farm Bureau Financial Services increases average prices by over $100 per month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, Accc tends to be the much more affordable option with average prices of $140 monthly compared to $226 from Farm Bureau Financial Services.

How does Credit Score Impact Accc and Farm Bureau Financial Services Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating rates? This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it does affect lots of policyholders out there.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive premiums.

Looking specifically at Accc and Farm Bureau Financial Services, which company has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Accc. Drivers with "excellent" credit can save more than 15% compared to Farm Bureau Financial Services, and those with "good" scores can also expect to see savings -- around $15 or 11% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Accc typically offers lower premiums than Farm Bureau Financial Services when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $7 a month less with Accc compared to Farm Bureau Financial Services, and those with "poor" scores usually save an average of around $43 per month.

Is Accc or Farm Bureau Financial Services Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance payment. 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 prices for Farm Bureau Financial Services, with policyholders who drive 6,000 miles yearly paying about $11 less every month compared to those who drive 12,000 miles annually. Still, Accc is the less expensive option for drivers in both categories.

Accc vs. Farm Bureau Financial Services: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a pretty big impact on your monthly insurance cost. Normally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the roads in those areas.

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

Drivers in rural ZIP codes see the most affordable premiums from both carriers, but Accc comes out on top with average rates around $130 a month. Accc also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 12% and 10% per month respective difference when compared to Farm Bureau Financial Services drivers in similar areas.

Accc vs. Farm Bureau Financial Services Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

Below, we've broken down all of the different discounts offered by both Accc and Farm Bureau Financial Services so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Overall, Accc has a slight advantage when it comes to total number of discounts. Farm Bureau Financial Services offers a grand total of nine discounts, while Accc has 11.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and paid in full discounts. Accc also offers claim free discounts, diminution of value discounts, EFT discounts, and more that Farm Bureau Financial Services does not.

On the flip side, Farm Bureau Financial Services has a couple unique discounts of its own -- discounts for being a defensive driver, life policy discounts, safe young driver discounts, and more.

Final Thoughts: Is Accc or Farm Bureau Financial Services Best for You?

So, we've broken down the average prices for many of the factors insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is Accc or Farm Bureau Financial Services the best carrier for you and your specific driver profile?

Accc might be best for you if....

• Your driving record contains an at-fault accident.
• You live in a rural neighborhood.
• You don't spend much time in your car.

Farm Bureau Financial Services might be best for you if...

• You haven't received any speeding tickets or been in an accident in the last few years.
• You've been pulled over for speeding recently.
• You want basic car insurance coverage at the state minimum limits.

We hope this guide helps you get a good idea of the differences between Accc and Farm Bureau Financial Services and that you can now make a more informed decision when it comes to 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 multiple carriers, not just Accc and Farm Bureau Financial Services. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Accc vs. Farm Bureau Financial Services FAQs

Is Accc or Farm Bureau Financial Services cheaper?

Looking just at the national average premiums, Accc is the more affordable of the two carriers, offering average rates of $149 a month compared to $170 for Farm Bureau Financial Services. However, Accc won't necessarily be the cheapest company for everyone, since there are multiple different variables that are considered when it comes to your car insurance bill.

Who is better, Accc or Farm Bureau Financial Services?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for each driver -- it all depends on what your unique auto insurance profile looks like.

Why do Accc and Farm Bureau Financial Services offer me different rates?

Insurance companies take a look at quite a few different factors when determining the prices they charge policyholders. Variables such as your driving record, gender, where you live, age, and sometimes even things like your credit score can all be used. Both Accc and Farm Bureau Financial Services calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different carriers.

How do I know if Accc or Farm Bureau Financial Services is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Accc or Farm Bureau Financial Services at all!

Methodology

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.