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

Quick Facts

• Based on national averages for insurance, Accc offers significantly less expensive prices than Metlife
• Accc tends to be a much cheaper option for policyholders who live in urban areas
• Metlife may help you save more money -- they offer more discounts than ACCC Insurance Company

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

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

You might have narrowed it down to Accc or Metlife for your next policy, but between the two, which company will offer you more affordable premiums?

Looking at nationwide averages, Accc is quite a bit cheaper than Metlife, with rates averaging $149 a month compared to $340 with Metlife.

That being said, that doesn't necessarily mean Accc will be the less expensive option for every single driver. Auto insurance carriers vary their prices depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and tons of other factors, so premiums will vary quite a bit from person to person.

Luckily, we've broken down average rates from both Accc and Metlife by a bunch of different rate factors, so read on to find out which company is the best for you.

Accc vs. Metlife: Average Car Insurance Rates by State

Accc and Metlife only compete against each other in three states, with Accc offering cheaper prices to the average driver in all of them. Arizona has the most noticable difference, where Accc premiums are $227 more affordable than insurance prices at Metlife.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your rates. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. It's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of over 70% less per month by choosing Accc over Metlife.

However, with both carriers, you'll see your rates drop significantly by the time drivers turn 25. For example, average premiums for Accc policyholders lower more than 45% and Metlife's prices reduce over 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest car insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise rates.

But who has the best premiums for retired drivers between Accc and Metlife? Accc gets the edge, with prices for drivers 65 and older $93 less expensive than the national average for Metlife.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically more expensive for single drivers than they are for married drivers? That's generally because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average prices between these two companies is significant, with Accc premiums coming in at around a third of Metlife's. The advantage for married couples with Accc is also obvious, where drivers save about $90 a month.

Accc or Metlife: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance carriers will often charge women less than men.

With Accc, women normally pay around 2% per month less than men, and about 8% less with Metlife.

Looking at overall affordability, Accc comes out on top for both men and women. On average, women save about $179 a month and men save around $204 with Accc compared to the average Metlife policyholder.

Accc vs. Metlife: 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.

Auto insurance can be a complicated subject for most people. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- 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 -- in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Accc has the significant edge, with average monthly rates 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 Metlife's $466.

Is Accc or Metlife Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great premiums 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 at-fault accidents lead to higher rates, but which carrier -- Accc or Metlife -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Accc for their insurance can usually expect their monthly bill to go up around 15% after getting a speeding ticket. Metlife policyholders can expect a bit more drastic of an increase of about 21%.

But Accc is typically the more affordable option for both drivers who have a recent ticket and those with clean records. With ACCC Insurance Company, drivers with a clean record can save around $94 a month and drivers with a speeding ticket can save about $131 per month.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Metlife increasing by around 40%. 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 most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $181 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or ticket. On average, Metlife will climb your premiums about 55% after a DUI, while Accc's average rates increase by 10%.

How does Credit Score Impact Accc and Metlife Rates?

Did you know many car insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it might come into play for lots of drivers.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Accc and Metlife specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Accc or Metlife 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 big impact on your monthly auto insurance bill? Usually, the more milage you drive, the more you can expect to pay for coverage.

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 prices for Metlife, with policyholders who drive the least paying around $3 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Accc is the cheaper company.

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

Where you live can have a large impact on your monthly car insurance cost. Typically, those who live in rural areas will pay less than drivers in urban areas because of the small number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Accc normally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, ACCC Insurance Company's average rates are about $216 less than MetLife. People who live in suburban areas pay around $190 less with Accc compared to Metlife. Those in rural areas can expect to save about $169 with Accc compared to Metlife.

Accc vs. Metlife 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 taking advantage of as many auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging 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 Metlife offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Metlife blows Accc away when it comes to the sheer amount of discounts available, offering 25 more discounts than Accc.

There are a couple discounts both companies offer, but Metlife also offers discounts for AAA, ABS, academic, 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.

Final Thoughts: Is Accc or Metlife Best for You?

So, we've broken down the average prices for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Accc or Metlife the right one for you and your specific profile and needs?

Accc might be best for you if....

• You have below-average credit.
• Your neighborhood is in the suburbs.
• You are purchasing your car insurance with a spouse.

Metlife might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies to residents.
• You're looking for discounts -- Metlife has the most.

Hopefully, this guide has ben a valuable resource as you compare Accc and Metlife and that you can now make a more informed decision when it comes to your auto 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 multiple companies, not just Accc and Metlife. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Accc vs. Metlife FAQs

Is Accc or Metlife cheaper?

Accc is the more affordable of the two companies when looking at national average premiums, with policies averaging $149 a month with Accc and $340 for Metlife. That being said, that doesn't mean Accc will be the lowest carrier for every policyholder, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Accc or Metlife?

Unfortunately, the real answer is "it depends.". No one company is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Accc and Metlife offer me different rates?

Insurance carriers use many different variables when calculating the rates they charge. Factors like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Accc and Metlife calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Accc or Metlife 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 carriers 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 companies for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Accc or Metlife 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.