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

So, you're in the market for a new car insurance policy. You may have even narrowed down your search to Accc and Gainsco. But which of these two companies is the best one for you? Read on to find which carrier has the best rates and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for auto insurance, Accc offers significantly more affordable premiums than Gainsco
  • Accc has less expensive prices for drivers with a DUI
  • Accc tends to be a much cheaper option for single people who will be the only person on the insurance policy

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might be considering Accc or Gainsco for your next policy, but between the two, which one will save you the most?

Accc Gainsco

Looking at nationwide averages, Accc has average rates that are around 25% a month less expensive than those from Gainsco.

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

Wanting to know if Accc or Gainsco is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Accc vs. Gainsco: Average Car Insurance Rates by State

State Accc Gainsco

Accc and Gainsco only compete against each other in Arizona, where Accc offers the cheaper average rates. Accc drivers tend to pay about $65 per month less on average compared to drivers who use Gainsco for their auto insurance.

There are plenty of other factors that go into your car insurance bill than just where you call home. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Accc Gainsco
18-year-old drivers$278$460
25-year-old drivers$152$179

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 accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Accc save almost 40% a month compared to those who use Gainsco.

However, both companies will lower prices once you turn 25. Gainsco offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Accc still has the cheapest rates at $152 monthly.

Which is the Best Company for Retired Drivers?

Accc Gainsco
65+-year-old drivers$112$158

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

But who has the best premiums for retired drivers between Accc and Gainsco? Accc gets the edge here, with average rates coming in at about $112 a month compared to Gainsco's $158.

Which is the Best Company for Married Drivers?

Accc Gainsco

You may not be aware, but car insurance prices tend to be more affordable for married policyholders than they are for single policyholders. That's usually because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average premiums between these two carriers is significant, with Accc rates coming in at a third less than Gainsco's. For married couples, the advantage is clear again - Accc has the edge when it comes to average prices.

Accc or Gainsco: Average Rates by Gender

Accc Gainsco

Men are statistically more likely than women to get into collisions and get tickets. That means when it comes to auto insurance men will normally end up paying a little more.

With Accc, women generally pay around $3 per month less than men, but with Gainsco, the difference is closer to $14 a month.

Looking at overall affordability, Accc offers the most affordable average premiums for both men and women, with average rates $62 less for men and $51 cheaper for women.

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

Accc Gainsco
State Minimum*$95$125
Full Coverage**$202$285

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

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Accc has the 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 about $202 per month to Gainsco's $285.

Is Accc or Gainsco 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Accc Gainsco
Clean Record$126$185
1 Speeding Ticket$148$203

Policyholders who use Accc for their insurance can usually expect their monthly bill to go up around 15% after getting a speeding ticket. Gainsco policyholders can expect a less drastic increase of about 9%.

But Accc tends to offer the best prices for drivers both with a ticket and with a clean record. With ACCC Insurance Company, drivers with a clean record can save around $59 a month and drivers with a speeding ticket can save about $55 per month.

Which Company is Best for Drivers After an Accident?

Accc Gainsco
Clean Record$126$185
1 At-Fault Accident$181$227

Accc drivers who get in an accident can expect to see their rates rise by over 30%, while those who have insurance through Gainsco will see around a 20% 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 GAINSCO's $227.

Which Company is Best for Drivers with a DUI?

Accc Gainsco
Clean Record$126$185
1 DUI$140$203

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Gainsco will increase your prices about 9% after a DUI, while Accc's average rates climb by 10%.

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 Gainsco's $203.

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How does Credit Score Impact Accc and Gainsco Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance rates. This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for lots of policyholders.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Accc Gainsco
Excellent Credit Score$106$205
Good Credit Score$125$205

If you have a great credit score, Accc will generally reward you the most. For drivers with "excellent" credit scores, Accc comes in nearly 48.29 cheaper. Drivers with "good" credit scores typically save about 39% with Accc compared to average premiums from Gainsco.

Which Company is Best for Drivers with Bad Credit?

Accc Gainsco
Fair Credit Score$153$205
Poor Credit Score$211$205

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around 25% less with Accc than Gainsco, but those whose credit is considered "poor" have it flipped -- saving about 3% a month with Gainsco.

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

Accc Gainsco
6,000 Annual Miles$149$205
12,000 Annual Miles$149$205

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. Normally, the more milage you drive, the more you can expect to pay for insurance.

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

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a pretty big impact as well. Generally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Accc Gainsco
Urban Areas$173$299
Suburban Areas$143$180
Rural Areas$130$136

Accc boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $130 per month with Accc compared to Gainsco's $136. Drivers in suburban ZIP codes pay about $143 with Accc compared to Gainsco's $180 monthly. In urban areas, Accc's average rates are around $173 while Gainsco offers premiums about $299.

Accc vs. Gainsco Discounts

You want to save as much money as you can, right? 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 find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Accc and Gainsco so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Accc Gainsco
Advance Quote Discount 
Anti-Theft Discount 
Claim Free Discount 
Diminution of Value Discount 
EFT Discount 
Good Driving Discount 
Good Student Discount 
Homeowner Discount 
Liability Only Discount 
Mature Driver Discount 
Non-Owner Discount 
Paid In Full Discount
Punitive Damage Exclusion Discount 
Renewal Discount 

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

A couple of those are overlapping for things like paid in full discounts. Accc also offers discounts for anti-theft, claim free, diminution of value, and more.

On the other hand, Gainsco has a few proprietary discounts of their own for things like advance quote discounts, homeowner discounts, and renewal discounts.

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Final Thoughts: Is Accc or Gainsco Best for You?

So, we've broken down the average prices for many of the factors auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which company is the best company for you, your vehicle, and your wallet?

Accc might be best for you if....

  • You have a clean record.
  • You're looking for the best rates on liability only coverage.
  • You're of retirement age and want to take advantage of lower prices.

Gainsco might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Accc and Gainsco and that you can now make a more informed decision when it comes to your car 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 insurance -- comparing quotes from several carriers, not just Accc and Gainsco. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

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Accc vs. Gainsco FAQs

Is Accc or Gainsco cheaper?

Accc is the more affordable of the two carriers when looking at national average premiums, with policies averaging $149 a month with Accc and $205 for Gainsco. That being said, that doesn't mean Accc will be the lowest carrier for each policyholder, since there are a bunch of different variables that come into play when it comes to your car insurance payment.

Who is better, Accc or Gainsco?

Sadly, the answer truly is "it depends.". Neither company is "better" for every policyholder -- it all comes down to what your unique insurance profile looks like. For example, Gainsco is cheaper for drivers who have less-than-stellar credit scores, while Accc offers less expensive rates for drivers with an at-fault collision on their record.

Why do Accc and Gainsco offer me different rates?

Auto insurance companies use a lot of different factors when determining the prices they charge. Variables like your driving record, gender, age, where you live, and sometimes even things like your credit score can all come into play. Both Accc and Gainsco calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance company 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, makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Accc or Gainsco 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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