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

Want to know if Accc or Farmers Union is the better choice for car insurance? You're probably wondering which company offers the best rates or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
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Quick Facts

  • Looking at the national averages for auto insurance, Accc offers significantly more affordable prices than Farmers Union
  • Accc offers more affordable premiums for residents of rural areas
  • Accc offers more affordable rates for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

Accc vs. Farmers Union: Which Company has the Cheapest Car Insurance?

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

You might be considering Accc or Farmers Union as your top options, but which carrier will offer you cheaper premiums?

Accc Farmers Union

As you can see, Accc is about $40 per month less expensive than Farmers Union when looking at the national average rates for insurance.

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

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

Accc or Farmers Union: Average Car Insurance Rates by State

State Accc Farmers Union

Accc and Farmers Union only compete against each other in one states, with Accc offering cheaper rates to the average driver in all of them. Utah has the most noticable difference, where Accc prices are over 40% more affordable than insurance rates at Farmers Union.

That being said, there's a lot more that goes into your auto insurance bill than just where you live. Read on to learn more.

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Which is the Best Company For Young Drivers?

Accc Farmers Union
18-year-old drivers$278$374
25-year-old drivers$152$174

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 young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Accc for their auto insurance pay more than $95 less than those who use Farmers Union.

Even so, both carriers will offer you dramatically lower rates once you turn 25. Farmers Union 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 lowest prices at $152 a month.

Which is the Best Company for Retired Drivers?

Accc Farmers Union
65+-year-old drivers$112$148

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever see.

So, which carrier offers the best prices to retired drivers? Accc gets the edge here, with average premiums coming in at around $112 per month compared to Farmers Union's $148.

Which is the Best Company for Married Drivers?

Accc Farmers Union

Married drivers tend to get slightly cheaper insurance rates than those who are single. This usually boils down to married couples having multiple cars on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, Accc is the clear winner for single drivers, with prices about $49 a month less expensive than Farmers Union, on average. For married policyholders, the advantage is clear again - Accc has the edge when it comes to average premiums.

Accc vs. Farmers Union: Average Rates by Gender

Accc Farmers Union

You may not know, but car insurance is typically more expensive for men than for 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 rates.

Men usually pay around $3 per month more than women with Accc, and over $10 with Farmers Union.

Looking at the data for each company specifically, Accc comes out as the most affordable option for both genders, with average premiums $45 less for men and $37 cheaper for women.

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Accc or Farmers Union: Compare State Minimum vs. Full Coverage Rates

Accc Farmers Union
State Minimum*$95$107
Full Coverage**$202$271

*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 auto insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum limits for liability insurance, Accc generally offers cheaper rates of $95 compared to Farmers Union's $107. When it comes to full coverage policies with similar limits, Accc again has the edge, with policies about $70 a month more affordable than Farmers Union, on average.

Is Accc or Farmers Union Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

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

Which Company is Best for Drivers with Speeding Tickets?

Accc Farmers Union
Clean Record$126$138
1 Speeding Ticket$148$188

Accc policyholders can expect their rates to go up an average of $22 per month if they get a ticket, while Farmers Union normally raises premiums around $50 a month, on average.

But Accc is usually the less expensive option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 9% cheaper for drivers with clean records and 21% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Accc Farmers Union
Clean Record$126$138
1 At-Fault Accident$181$207

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 Farmers Union for their auto insurance will see a monthly bill about $69 (or 33%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use Accc end up with the cheaper prices after an accident, with monthly rates averaging $181 compared to Farmers Union Insurance's $207.

Which Company is Best for Drivers with a DUI?

Accc Farmers Union
Clean Record$126$138
1 DUI$140$225

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than an accident or ticket. For example, Farmers Union increases average prices by over $85 per month -- that's just under a 40% increase.

If you have a DUI on your record and are looking for more affordable premiums, Accc tends to be the much more affordable option with average rates of $140 monthly compared to $225 from Farmers Union.

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How does Credit Score Impact Accc and Farmers Union Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly insurance premiums. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect quite a few drivers out there.

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

So, which company offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Accc Farmers Union
Excellent Credit Score$106$141
Good Credit Score$125$164

If you have a great credit score, you'll usually find a better deal with Accc. Policyholders with "excellent" credit can save nearly 25% compared to Farmers Union, and those with "good" scores can also expect to see savings -- around $39 or 24% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Accc Farmers Union
Fair Credit Score$153$190
Poor Credit Score$211$261

Accc typically offers lower rates than Farmers Union when it comes to drivers with bad credit. Drivers with "fair" credit pay about $37 a month less with Accc compared to Farmers Union, and those with "poor" scores normally save an average of around $50 per month.

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

Accc Farmers Union
6,000 Annual Miles$149$189
12,000 Annual Miles$149$189

Did you know that the amount of time you spend in your car have a large impact on your monthly car insurance cost? That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

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

Accc vs. Farmers Union: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for auto insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Accc Farmers Union
Urban Areas$173$226
Suburban Areas$143$172
Rural Areas$130$170

When comparing these two carriers side-by-side, Accc generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both companies, but Accc comes out on top with average prices about $130 a month. Accc also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $53 and $29 a month respective difference when compared to Farmers Union drivers in similar areas.

Accc vs. Farmers Union Discounts

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

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

In the section below, we've taken a look at all of the different discounts Accc and Farmers Union offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Accc Farmers Union
Anti-Theft Discount 
Claim Free Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
EFT Discount 
Farm Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount 
Liability Only Discount 
Mature Driver Discount 
Minor Child Discount 
Multi-Car Discount 
Multi-Policy Discount 
Non-Owner Discount 
Paid In Full Discount
Punitive Damage Exclusion Discount 

Discounts for being a good driver, discounts for being a good student, and paid in full discounts are offered by both carriers.

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Final Thoughts: Is Accc or Farmers Union Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, is Accc or Farmers Union the right one for you and your specific driver profile?

Accc might be best for you if....

  • You have a DUI charge on your record.
  • You already have a great credit score.
  • You're buying car insurance for a teen and looking for a wallet-friendly option.

Farmers Union might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Accc and Farmers Union. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Accc and Farmers Union. Luckily, does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

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Accc vs. Farmers Union FAQs

Is Accc or Farmers Union cheaper?

Looking just at the national average premiums, Accc is the less expensive of the two companies, offering average rates of $149 per month compared to $189 for Farmers Union. However, Accc won't necessarily be the most affordable carrier for each driver, since there are a bunch 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 Union?

Unfortunately, the answer truly is "it depends.". One company is not "better" for every driver -- it all depends on what your unique insurance profile looks like.

Why do Accc and Farmers Union offer me different rates?

Auto insurance carriers take a look at several different variables when calculating the prices they charge policyholders. Factors such as where you live, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Accc and Farmers Union use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Accc or Farmers Union at all!


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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