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

Looking for car insurance and wondering if Accc or General Casualty is the right carrier for you? If so, you're probably wondering which company has the most affordable rates or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, General Casualty offers slightly more affordable prices than Accc
  • Accc tends to be a much cheaper option for policyholders who live in rural neighborhoods
  • General Casualty offers less expensive average premiums for policyholders who live in urban areas

Accc or General Casualty: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Accc or General Casualty for your next policy, but between the two, which carrier will save you the most?

Accc General Casualty

As you can see, Accc is around $10 more a month than General Casualty when looking at the national average rates for auto insurance.

But General Casualty may not be the lowest or best option for each driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so rates will change quite a bit from person to person.

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

Accc vs. General Casualty: Average Car Insurance Rates by State

State Accc General Casualty

Accc and General Casualty only compete against each other in two states, with Accc offering cheaper prices to the average driver in all of them. Arizona has the most noticable difference, where Accc rates are $12 less expensive than car insurance premiums at General Casualty.

There are plenty of other factors that go into your auto insurance cost than just your home state. Read on to learn more.

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Which is the Best Company For Young Drivers?

Accc General Casualty
18-year-old drivers$278$266
25-year-old drivers$152$114

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers out there on the road. Usually, that's because teen 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 auto insurance. Just look at the table above -- where 18-year-old drivers who have General Casualty for their car insurance pay over 4% less than those who use Accc.

Even so, both companies will drop premiums once you turn 25. General Casualty offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Accc's average rates reduce more than 45% during that same period.

Which is the Best Company for Retired Drivers?

Accc General Casualty
65+-year-old drivers$112$124

Drivers around retirement age normally enjoy some of the cheapest auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise rates.

So, which company offers the best prices to retired drivers? Accc gets the slight edge here, with average premiums coming in at about $112 a month compared to General Casualty's $124.

Which is the Best Company for Married Drivers?

Accc General Casualty

Married drivers tend to get slightly more affordable car insurance rates than those who are single. This usually boils down to married couples having more than one vehicle on their policy -- something several insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is not very significant, with General Casualty premiums coming in at around 4% less than Accc's. But for married policyholders, the advantage is clear - General Casualty has the edge when it comes to average prices.

Accc or General Casualty: Average Rates by Gender

Accc General Casualty

Because women are less likely to get speeding tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance carriers will often charge women less than men.

Men typically pay about 2% more per month than women with Accc, and almost 10% with General Casualty.

When it comes to the lowest rates for each gender, General Casualty offers the cheapest average premiums for both men and women. On average, male drivers save about $4 a month and women save around $15 with General Casualty compared to the average Accc policyholder.

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Accc vs. General Casualty: Compare State Minimum vs. Full Coverage Rates

Accc General Casualty
State Minimum*$95$82
Full Coverage**$202$195

*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.

For most people, car insurance isn't the easiest topic to understand. There are so many different terms and limits 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 if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, General Casualty has the edge, with average monthly prices coming in at $82. If you want a full coverage policy with the same state minimum limits, General Casualty again has the edge, with policies averaging about $195 per month to Accc's $202.

Is Accc or General Casualty Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and accidents will most likely raise your premiums, but is Accc or General Casualty cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Accc General Casualty
Clean Record$126$90
1 Speeding Ticket$148$133

Policyholders who use Accc for their auto insurance can generally expect their monthly bill to go up around 15% after getting a speeding ticket. General Casualty policyholders can expect a bit more drastic of an increase of about 32%.

That being said, General Casualty is usually the less expensive option for drivers both with clean records and with a ticket, offering rates that are $36 and $15 more affordable, respectively, compared to ACCC Insurance Company.

Which Company is Best for Drivers After an Accident?

Accc General Casualty
Clean Record$126$90
1 At-Fault Accident$181$146

Accc drivers who get in an accident can expect to see their premiums rise by $55, while those who have insurance through General Casualty will see around a $55 increase.

At the end of the day, the less expensive rates come from General Casualty, with average prices coming in at $146 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

Accc General Casualty
Clean Record$126$90
1 DUI$140$186

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 speeding ticket. On average, General Casualty will climb your rates about 52% after a DUI, while Accc's average prices increase by 10%.

But if you end up with a DUI charge and are looking for more affordable premiums, Accc tends to be cheaper for the average driver, with monthly premiums coming in at around $140 to General Casualty's $186.

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How does Credit Score Impact Accc and General Casualty Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for many policyholders.

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

Looking at Accc and General Casualty specifically, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Accc General Casualty
Excellent Credit Score$106$103
Good Credit Score$125$118

If you have a solid credit score, General Casualty will generally reward you the most. For drivers with "excellent" credit scores, General Casualty comes in NaN more affordable. Drivers with "good" credit scores typically save about 6% with General Casualty compared to average rates from Accc.

Which Company is Best for Drivers with Bad Credit?

Accc General Casualty
Fair Credit Score$153$139
Poor Credit Score$211$195

General Casualty typically offers lower premiums than Accc when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 9% a month less with General Casualty compared to Accc, and those with "poor" scores usually save an average of about 8% per month.

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

Accc General Casualty
6,000 Annual Miles$149$139
12,000 Annual Miles$149$139

Did you know that the amount of time you spend in your car have a large impact on your monthly car insurance payment? That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

In this case, neither Accc or General Casualty report increasing prices for drivers with higher annual mileage figures. General Casualty comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $139 per month for both.

Accc or General Casualty: 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 big impact as well. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads where they live.

Accc General Casualty
Urban Areas$173$151
Suburban Areas$143$134
Rural Areas$130$131

Looking at these carriers side-by-side, General Casualty boasts the cheapest average rates in urban and suburban areas, while Accc wins in rural areas.

If you live in a rural area, you can expect to pay around $130 monthly with Accc compared to General Casualty's $131. Drivers in suburban ZIP codes pay a monthly rate of about $134 with General Casualty compared to $143 with Accc. In urban areas, General Casualty's average prices are around $151 a month compared to Accc's $173.

Accc vs. General Casualty Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Accc and General Casualty so that you can see which carrier can save you the most money each month.

Accc General Casualty
Advance Quote Discount 
Anti-Theft Discount
Claim Free Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
EFT Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Liability Only Discount 
Mature Driver Discount 
Multi-Policy Discount 
New Vehicle Discount 
Non-Owner Discount 
Occupation Discount 
Paid In Full Discount
Passive Restraint Discount 
Punitive Damage Exclusion Discount 

Looking at the total number of discounts, General Casualty comes out ahead with 12 discounts to Accc's 11.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for being a good student, and paid in full discounts -- but General Casualty also offers discounts for advance quote, defensive driver, distant student, 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, EFT discounts, and more.

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Final Thoughts: Is Accc or General Casualty Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which company is the right company for you, your vehicle, and your wallet?

General Casualty might be best for you if....

  • You will be the only person on the insurance policy.
  • You're looking for the best rates on liability only coverage.
  • You want to save money while purchasing car insurance for a teenager.

Accc might be best for you if...

  • Your driving record includes a DUI charge.
  • You live in a rural area.
  • You're of retirement age and want to take advantage of lower prices.

Hopefully, this guide helps you get a good idea of the differences between Accc and General Casualty and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Accc and General Casualty. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

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Accc vs. General Casualty FAQs

Is Accc or General Casualty cheaper?

General Casualty is the less expensive of the two companies when looking at national average premiums, with policies averaging $139 per month with General Casualty and $149 for Accc. Even so, that doesn't mean General Casualty will be the most affordable carrier for each policyholder, since there are a bunch of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Accc or General Casualty?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for every policyholder -- it all comes down to what your unique insurance profile looks like. For example, General Casualty is more affordable for drivers with excellent credit, while Accc offers cheaper rates for drivers with a recent DUI.

Why do Accc and General Casualty offer me different rates?

Auto insurance carriers use lots of different factors when determining the prices they charge. Things like your driving record, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be taken into consideration. Both Accc and General Casualty use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of 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 area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Accc or General Casualty 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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