ACCC vs. GEICO: Which Company is the Best Fit for You?

If you're in the market for a new insurance policy, you might be wondering how GEICO and ACCC compare when it comes to the cheapest premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • In general, ACCC offers more affordable prices than GEICO
  • ACCC offers less expensive average rates for policyholders who live in suburban areas
  • GEICO may help you save more money -- they offer more discounts than ACCC Insurance Company

ACCC or GEICO: 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 might be considering ACCC or GEICO, but between the two, which company will offer you more affordable prices?


As you can see, GEICO is around $36 more a month than ACCC when looking at the national average rates for car insurance.

But that doesn't necessarily mean ACCC will be the cheaper option for every driver. Auto insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and a variety of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Wanting to know if ACCC or GEICO is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

ACCC vs. GEICO: Average Car Insurance Rates by State


ACCC and GEICO only compete against each other in two states, with GEICO offering less expensive premiums to the average driver in all of them. Georgia has the most noticable difference, where ACCC prices are $34 cheaper than car insurance rates at GEICO.

That being said, there are plenty of other factors that go into your auto insurance payment than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

18-year-old drivers$278$369
25-year-old drivers$152$163

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. 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 that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of over 25% less per month by choosing ACCC over GEICO.

That being said, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average rates for ACCC policyholders decrease about $150 and GEICO's premiums lower around $200 over that time.

Which is the Best Company for Retired Drivers?

65+-year-old drivers$112$148

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices out there.

But who has the best premiums for retired drivers between ACCC and GEICO? ACCC gets the edge here, with average rates coming in at about $112 a month compared to GEICO's $148.

Which is the Best Company for Married Drivers?


Married couples tend to get slightly less expensive car insurance prices than single drivers. This usually boils down to married policyholders having multiple vehicles on their policy -- something several insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with ACCC prices coming in at a quarter less than GEICO's. The advantage for married drivers with ACCC is also obvious, where drivers save almost $30 a month.

ACCC or GEICO: 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 car insurance men will usually end up paying a little more.

Usually, women see premiums around 2% per month less with ACCC, but with GEICO, the difference is closer to 4% a month.

Looking at overall affordability, ACCC comes out as the most affordable option for both genders. On average, male drivers save about $39 per month and women save about $34 with ACCC compared to the average GEICO policyholder.

Find your best rate in just a few minutes

ACCC vs. GEICO: Compare State Minimum vs. Full Coverage Rates

State Minimum*$95$101
Full Coverage**$202$269

*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 multiple different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability limits, ACCC has the slight edge, with average monthly prices 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 a month to GEICO's $269.

Is ACCC or GEICO Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car 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 at-fault collisions 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?

Clean Record$126$115
1 Speeding Ticket$148$150

Policyholders who use ACCC for their auto insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. GEICO policyholders can expect a bit more drastic of an increase of around 23%.

If you have gotten a ticket, ACCC tends to offer the best premiums at about 1% more affordable, while GEICO has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Clean Record$126$115
1 At-Fault Accident$181$200

ACCC drivers who get in a collision can expect to see their rates rise by over 30%, while those who have insurance through GEICO will see around a 45% increase.

At the end of the day, the less expensive premiums come from ACCC, with average prices coming in at $181 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

Clean Record$126$115
1 DUI$140$275

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than an accident or speeding ticket. GEICO drivers usually see a 58% increase in their car insurance premiums after a DUI charge, while ACCC will normally raise prices by about 10%.

Find your best rate in just a few minutes

How does Credit Score Impact ACCC and GEICO Rates?

Did you know many insurance companies take into account your credit score when determining rates? This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for lots of policyholders.

The reasoning auto 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 prices, while those with poor credit will usually be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

Excellent Credit Score$106$131
Good Credit Score$125$164

Which Company is Best for Drivers with Bad Credit?

Fair Credit Score$153$197
Poor Credit Score$211$253

Find your best rate in just a few minutes

Is ACCC or GEICO Better for Drivers who Work from Home or Have Short Commutes?

6,000 Annual Miles$149$181
12,000 Annual Miles$149$189

Did you know that the amount of time you spend in your car have a sizable impact on your monthly car insurance bill? That's because the more milage you put on your car each year, the more likely you are to be in a collision and file 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 premiums for GEICO, with policyholders who drive the least paying around $8 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, ACCC is the cheaper company.

ACCC or GEICO: 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 auto insurance, but the type of area you live in can have a substantial impact as well. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

Urban Areas$173$211
Suburban Areas$143$185
Rural Areas$130$159

ACCC boasts the most affordable average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, ACCC Insurance Company's average premiums are about $38 less than GEICO. People who live in suburban areas pay around $42 less with ACCC compared to GEICO. Those in rural areas can expect to save about $29 with ACCC compared to GEICO.

ACCC vs. GEICO 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 where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts ACCC and GEICO offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

ABS Discount 
Anti-Theft Discount
Claim Free Discount 
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Deployed Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount
Employee Discount 
Full Coverage Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Liability Only Discount 
Mature Driver Discount
Military Discount 

GEICO 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 companies offer, but GEICO also offers discounts for ABS, commercial drivers license, COVID-19 relief, 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.

Find your best rate in just a few minutes

Final Thoughts: Is ACCC or GEICO Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which company is the right company for you, your vehicle, and your wallet?

ACCC might be best for you if....

  • Your driving record includes a DUI charge.
  • Your neighborhood is in the suburbs.
  • You want to save money while purchasing car insurance for a teenager.

GEICO might be best for you if...

  • You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
  • You value the experience that comes with a large national insurance carrier.
  • You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare ACCC and GEICO and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just ACCC and GEICO. Luckily, sites like do all the hard work for you. 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.

Find your best rate in just a few minutes


Is ACCC or GEICO cheaper?

ACCC is the more affordable of the two carriers when looking at national average rates, with policies averaging $149 per month with ACCC and $185 for GEICO. That being said, that doesn't mean ACCC will be the lowest company for each driver, since there are many different variables that are considered when it comes to your insurance cost.

Who is better, ACCC or GEICO?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do ACCC and GEICO offer me different rates?

Auto insurance companies use a lot of different factors when calculating the prices they charge. Variables like where your home is, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both ACCC and GEICO calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if ACCC or GEICO is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't ACCC or GEICO 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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes