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

Quick Facts

• Based on national averages for auto insurance, Accc offers significantly less expensive premiums than Mercury
• Accc offers more affordable average rates for single people who will be the only person on the insurance policy
• Mercury may help you save more money -- they offer more discounts than ACCC Insurance Company

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Accc or Mercury for your next policy, but which carrier has cheaper premiums for auto insurance?

Looking at the national average rates for both carriers, Accc has average rates that are around 50% a month less expensive than those from Mercury.

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

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

Accc vs. Mercury: Average Car Insurance Rates by State

Accc and Mercury only compete against each other in two states, with Accc offering cheaper prices to the average driver in all of them. Georgia has the most noticable difference, where Accc rates are $59 less expensive than auto insurance premiums at Mercury.

But there's more to calculating car insurance prices 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 normally pay a lot more for insurance than any other group of drivers out there on the road. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Accc save over 60% per month compared to those who use Mercury. It's worth noting that Mercury offers insurance in 11 different states compared to Accc's three, which can skew the average premiums a bit, but the difference here is still considerable.

But with both carriers, you'll see your rates drop significantly by the time you turn 25. Mercury 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 lowest premiums at $152 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best prices for retired drivers between Accc and Mercury? Accc gets the edge, with premiums for drivers 65 and older almost 50% cheaper than the national average for Mercury.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are usually more affordable for married policyholders than they are for those who are single? That's because policies for married couples generally cover more than one vehicle, which quite a few companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Accc premiums coming in at about half of Mercury's. The advantage is also clear for married drivers - Accc offers the cheapest average rates.

Accc or Mercury: Average Rates by Gender

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

Normally, men see prices around 2% a month higher with Accc, and about 5% with Mercury.

Looking at overall affordability, Accc comes out as the most affordable option for both genders, with average rates $152 less for men and $141 cheaper for women.

Accc vs. Mercury: 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.

It's no secret that auto insurance can be pretty complicated. There are so many different coverages and terms 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 property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability insurance, Accc has the significant 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 around $202 per month to Mercury's $406.

Is Accc or Mercury 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 at-fault collisions will most likely raise your prices, but is Accc or Mercury less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Accc for their car insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. Mercury policyholders can expect a bit more drastic of an increase of around 19%.

Even so, Accc tends to offer the best prices for drivers both with clean records and with a ticket -- their rates are around 47% more affordable for drivers with clean records and 50% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault collision with Mercury climbing by about 32%. Accc has a less extreme climb, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, Accc offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $181 compared to Mercury Insurance's $346.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. On average, Mercury will raise your rates around 22% after a DUI, while Accc's average prices increase by 10%.

Accc has the overall lowest premiums for drivers with a DUI on their records at $140 a month, but it's worth noting that Mercury's average rates come from 11 states compared to just three for Accc, so the data may be skewed slightly.

How does Credit Score Impact Accc and Mercury Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly car insurance prices. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it will come into play for many drivers.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Accc will usually reward you the most. For drivers with "excellent" credit scores, Accc comes in over 52.47 more affordable. Drivers with "good" credit scores generally save about 53% with Accc compared to average prices from Mercury.

Which Company is Best for Drivers with Bad Credit?

Accc typically offers lower premiums than Mercury when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 49% a month less with Accc compared to Mercury, and those with "poor" scores normally save an average of about 48% per month.

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

Did you know that the amount of time you spend in your car have a substantial impact on your monthly rates? Generally, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

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

Accc or Mercury: 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 insurance, but the type of area you live in can have a sizable impact as well. Typically, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads where they live.

Accc tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, ACCC Insurance Company's average premiums are around 57% less than Mercury Insurance. People who live in suburban areas pay about 48% less with Accc compared to Mercury. Those in rural areas can expect to save around 38% with Accc compared to Mercury.

Accc vs. Mercury Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

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

Mercury knocks Accc out of the park when it comes to the sheer number of discounts available, offering 27 different discounts to Accc's 27.

Both companies offer a lot of the same discounts -- like anti-theft discounts, discounts for being a good student, and paid in full discounts -- but Mercury also offers discounts for ABS, advance quote, continuous insurance, 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.

Final Thoughts: Is Accc or Mercury Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the best fit for you?

Accc might be best for you if....

• You have a clean record.
• Your credit is below-average.
• You drive fewer than 6,000 miles annually.

Mercury might be best for you if...

• You're planning on moving to another state soon -- ACCC Insurance Company is only available in three states.
• You're looking for discounts -- Mercury has the most.

Hopefully, this guide has ben a valuable resource as you compare Accc and Mercury and that you can now make a more informed decision when it comes to your 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 car insurance -- comparing quotes from multiple carriers, not just Accc and Mercury. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Accc vs. Mercury FAQs

Is Accc or Mercury cheaper?

Accc is the less expensive of the two carriers when looking at national average premiums, with policies averaging $149 a month with Accc and $295 for Mercury. That being said, that doesn't mean Accc will be the lowest carrier for each policyholder, since there are a range of different factors that are considered when it comes to your auto insurance cost.

Who is better, Accc or Mercury?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Accc and Mercury offer me different rates?

Insurance companies use a lot of different variables when determining the rates they charge. Factors such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all be used. Both Accc and Mercury calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto 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, sites like Compare.com 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 carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Accc or Mercury 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.