Accc vs. Georgia Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Georgia Farm Bureau offers slightly more affordable premiums than Accc
• Accc offers more affordable prices for drivers who have below-average credit
• Georgia Farm Bureau tends to be a much cheaper option for policyholders who drive fewer than 6,000 miles yearly

Accc or Georgia Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Accc or Georgia Farm Bureau, but between the two, which carrier has less expensive premiums for car insurance?

Looking at the national average rates for both carriers, Accc is around $5 more a month than Georgia Farm Bureau.

However, Georgia Farm Bureau may not be the most affordable or best option for each driver out there. Auto insurance companies use a ton of complex algorithms to determine prices, so depending on how clean your driving record is or how good your credit score is (among a wide array of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Accc and Georgia Farm Bureau by a range of different rate factors, so read on to find out which carrier is the best for you.

Accc vs. Georgia Farm Bureau: Average Car Insurance Rates by State

Accc and Georgia Farm Bureau only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average prices. Georgia Farm Bureau drivers tend to pay about $41 per month less on average compared to drivers who use Accc for their insurance.

There are plenty of other factors that go into your auto insurance payment than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group on the road. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 6% less a month by choosing Georgia Farm Bureau over Accc.

That being said, with both carriers, you'll see your rates decrease significantly by the time you turn 25. For example, average premiums for Accc policyholders drop more than 45% and Georgia Farm Bureau's rates reduce almost 50% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

So, which company offers the best rates to retired drivers? In this case, Accc has the slight edge, with prices about $5 per month less than Georgia Farm Bureau. But that difference is less than 5%, which means it ultimately will come down to other factors, like your credit score or your driving record.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance premiums than married policyholders. That's because policies for married couples usually cover multiple vehicles, which lots of companies will give you a discount for.

If you're in the market for auto insurance, Georgia Farm Bureau tends to have the lowest average rates regardless of marital status, with prices around 6% cheaper for married drivers and about 2% more affordable for single drivers.

Accc or Georgia Farm Bureau: Average Rates by Gender

Did you know women normally pay less for car insurance than men? That's because women are less likely to get tickets and get into accidents, which decreases the chances of filing a claim with insurance.

Generally, men see prices around $3 a month higher with Accc, but with Georgia Farm Bureau, the difference is closer to $2 per month.

Looking at the data for each carrier specifically, Georgia Farm Bureau offers the most affordable average premiums for both men and women, with average rates 3% less for men and 3% cheaper for women.

Accc vs. Georgia Farm Bureau: 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.

For most people, insurance can be pretty complicated. 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 covers the other party's injuries and property damage 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 coverage).

Looking specifically at state minimum liability insurance, Georgia Farm Bureau has the slight edge, with average monthly prices coming in at $91. If you want a full coverage policy with the same state minimum limits, Georgia Farm Bureau again has the edge, with policies averaging about $197 a month to Accc's $202.

Is Accc or Georgia Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great rates 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 speeding tickets and collisions lead to higher prices, but which company -- Accc or Georgia Farm Bureau -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Georgia Farm Bureau car insurance policies don't report seeing their prices increase after getting a ticket, but Accc policyholders can expect to see their monthly bill increase by around 15%.

That being said, Georgia Farm Bureau tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $12 and $34 less expensive, respectively, compared to ACCC Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Accc can expect to see about an $55 -- or around 30% -- rise in their auto insurance rates. Drivers who use Georgia Farm Bureau for their car insurance will see a monthly bill about $19 (or 14%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, the more affordable premiums come from Georgia Farm Bureau, with average rates coming in at $133 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

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. For example, Georgia Farm Bureau increases average prices by more than $100 per month -- that's more than a 45% increase.

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 Georgia Farm Bureau's $216.

How does Credit Score Impact Accc and Georgia Farm Bureau Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance rates. This isn't true for everyone (California, for example, has banned the use of credit score as a car insurance factor) but it will come into play for a lot of drivers.

The reasoning car insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

So, which company offers the lowest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Georgia Farm Bureau will usually reward you the most. For policyholders with "excellent" credit scores, Georgia Farm Bureau comes in over 25.47 more affordable. Drivers with "good" credit scores normally save about 5% with Georgia Farm Bureau compared to average premiums from Accc.

Which Company is Best for Drivers with Bad Credit?

Accc typically offers lower prices than Georgia Farm Bureau when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 5% a month less with Accc compared to Georgia Farm Bureau, and those with "poor" scores usually save an average of about 2% a month.

Is Accc or Georgia Farm Bureau 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 insurance carriers will charge for coverage. Typically, the more milage you put on your car each year, the more you can expect to pay for coverage.

In this case, neither Accc or Georgia Farm Bureau report increasing premiums for drivers with higher annual mileage figures. Even so, Georgia Farm Bureau 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 $144 per month for both.

Accc or Georgia Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for car insurance. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads where they live.

Accc boasts the lowest average premiums in rural and suburban areas, while Georgia Farm Bureau wins in urban areas.

In urban areas, Georgia Farm Bureau's average prices are around $150 a month compared to Accc's $173. Drivers in suburban ZIP codes pay a monthly premium of about $143 with Accc compared to $146 with Georgia Farm Bureau. Those in rural areas can expect to pay around $130 per month with Accc and $136 with Georgia Farm Bureau.

Accc vs. Georgia Farm Bureau Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Accc and Georgia Farm Bureau so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Anti-theft discounts, discounts for being a good student, and paid in full discounts are offered by both companies.

Final Thoughts: Is Accc or Georgia Farm Bureau Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right company for you and your specific profile and needs?

Georgia Farm Bureau might be best for you if....

• You have an at-fault collision on your record.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Accc might be best for you if...

• You have less-than-stellar credit.
• You live in a rural neighborhood.
• You're of retirement age and want to take advantage of lower premiums.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Accc and Georgia Farm Bureau. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Accc vs. Georgia Farm Bureau FAQs

Is Accc or Georgia Farm Bureau cheaper?

Georgia Farm Bureau is the less expensive of the two carriers when looking at national average rates, with policies averaging $144 per month with Georgia Farm Bureau and $149 for Accc. But that doesn't mean Georgia Farm Bureau will be the cheapest company for everyone, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Accc or Georgia Farm Bureau?

Sadly, the answer truly is "it depends.". No single carrier is "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile. For example, Accc is cheaper for drivers who have already retired, while Georgia Farm Bureau offers more affordable prices for single drivers.

Why do Accc and Georgia Farm Bureau offer me different rates?

Insurance companies use several different factors when determining the premiums they charge. Variables like where you call home, where you park your vehicle, age, gender, and sometimes even things like your credit score can all come into play. Both Accc and Georgia Farm Bureau calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Accc or Georgia Farm Bureau is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes 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 carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Accc or Georgia Farm Bureau 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.