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

Quick Facts

• Looking at the national averages for insurance, Accc offers significantly less expensive prices than Farmers
• Accc offers more affordable rates for drivers who have below-average credit
• Farmers may help you save more money -- they offer more discounts than ACCC Insurance Company

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Accc or Farmers for your next policy, but between the two, which carrier has more affordable prices for car insurance?

Looking at the national average rates for both carriers, Accc is quite a bit cheaper than Farmers, with premiums averaging $149 a month compared to $203 with Farmers.

That being said, that doesn't necessarily mean Accc will be the cheaper option for every driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so rates will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both Accc and Farmers by many different rate factors, so read on to find out which company is the best for you.

Accc vs. Farmers: Average Car Insurance Rates by State

Accc and Farmers only compete against each other in two states, with Accc offering more affordable prices to the average driver in all of them. Utah has the most noticable difference, where Accc rates are $92 less expensive than insurance premiums at Farmers.

That being said, there are plenty of other factors that go into your car insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Accc save over 50% per month compared to those who use Farmers.

Even so, both carriers will drop rates by the time you turn 25. For example, average prices for Accc policyholders lower around $150 and Farmers's premiums decrease almost $400 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Accc and Farmers specifically, which carrier is best for retired drivers? Accc gets the edge, with rates for drivers 65 and older more than 20% cheaper than the national average for Farmers.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually more expensive for single policyholders than they are for married couples? That's normally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two companies is significant, with Accc rates coming in at a third less than Farmers's. The advantage for married policyholders with Accc is also obvious, where drivers save over 15% a month.

Accc or Farmers: Average Rates by Gender

Men tend to pay more for auto insurance than women. 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.

Men generally pay about $3 per month more than women with Accc, and around $7 more with Farmers.

Looking at the data for each company specifically, Accc comes out as the cheapest option for both genders. On average, male drivers save about $57 a month and women save about $53 with Accc compared to the average Farmers policyholder.

Accc vs. Farmers: 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.

Insurance can be a complicated subject for most people. There are so many different limits 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 typically refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Accc has the edge, with average monthly rates 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 Farmers's $281.

Is Accc or Farmers Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault collisions and speeding tickets lead to higher prices, but which carrier -- Accc or Farmers -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Accc for their insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Farmers policyholders can expect a bit more drastic of an increase of around 21%.

But Accc tends to offer the best prices for both drivers who have clean records and those with a recent ticket. With ACCC Insurance Company, drivers with a clean record can save about $36 a month and drivers with a speeding ticket can save around $58 per month.

Which Company is Best for Drivers After an Accident?

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

At the end of the day, the less expensive prices come from Accc, with average rates coming in at $181 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. Farmers drivers usually see a 27% raise in their car insurance premiums after a DUI charge, while Accc will normally increase prices by around 10%.

How does Credit Score Impact Accc and Farmers Rates?

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

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Accc and Farmers specifically, which one has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Accc or Farmers 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 how much car insurance companies will charge for coverage. That's because the more milage you put on your car, the more likely you are to be in a collision and file an insurance claim.

In this case, neither Accc or Farmers report increasing premiums for drivers with higher annual mileage figures. Accc comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average prices of $149 a month for both.

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

Where you park your car can play a pretty big role in how much you pay for auto insurance. 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 boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Accc's average premiums are about $173 while Farmers offers prices around $251. People in suburban areas pay a monthly premium of about $143 with Accc compared to $189 with Farmers. If you live in a rural area, you can expect to pay around $130 a month with Accc and $170 with Farmers.

Accc vs. Farmers 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.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Accc and Farmers so that you can see which company can save you the most money each month.

Farmers knocks Accc out of the park when it comes to the sheer number of discounts available, offering 17 more discounts than Accc.

There are a couple discounts both carriers offer, but Farmers also offers discounts for ABS, advance quote, alternative fuel, 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, liability only discounts, and more.

Final Thoughts: Is Accc or Farmers Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the best one for you and your specific needs?

Accc might be best for you if....

• You have an at-fault accident on your record.
• You live in an urban area.
• You have a short drive to work everyday.

Farmers might be best for you if...

• You're thinking about moving to another state -- undefined is only available to residents.
• You care about discounts (Farmers offers the most).

Hopefully, this guide helps you get a good idea of the differences between Accc and Farmers 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 a handful of carriers, not just Accc and Farmers. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Accc vs. Farmers FAQs

Is Accc or Farmers cheaper?

Accc is the more affordable of the two carriers when looking at national average prices, with policies averaging $149 per month with Accc and $203 for Farmers. Even so, that doesn't mean Accc will be the lowest carrier for each driver, since there are lots of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Accc or Farmers?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Accc and Farmers offer me different rates?

Insurance companies use many different variables when calculating the premiums they charge. Things such as where you call home, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both Accc and Farmers calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com 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 carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Accc or Farmers at all, but another you hadn't even thought of!

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.