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

You've probably seen ads offering big savings on insurance, but are Accc or Metromile right for you? Which carrier offers the most affordable premiums, or the most discounts? Read on to see how Accc and Metromile compare, and to find out which company is the best one for you, your vehicle, and your budget.
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Quick Facts

  • In general, Accc offers slightly more affordable rates than Metromile
  • Accc tends to be a much cheaper option for drivers who have a speeding ticket on their driving record
  • Metromile has less expensive prices for policyholders whose driving record contains an at-fault collision

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

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

You might have narrowed your search down to Accc or Metromile as potential options, but which carrier has more affordable premiums for auto insurance?

Accc Metromile

As you can see, Metromile is around $1 more a month than Accc when looking at the national average rates for insurance.

However, that doesn't mean Accc will necessarily be less expensive than Metromile for each driver. Car insurance carriers use tons of complex algorithms to determine prices, so depending on how clean your driving record is or how old you are (among several other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Accc and Metromile by many different rate factors, so read on to find out which carrier is the best for you.

Accc vs. Metromile: Average Car Insurance Rates by State

State Accc Metromile

Accc and Metromile only compete against each other in Arizona, where Accc offers the cheaper average prices. Accc drivers tend to pay about $10 per month less on average compared to drivers who use Metromile for their auto insurance.

There's a lot more that goes into your insurance bill than just your home state. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Accc Metromile
18-year-old drivers$278$323
25-year-old drivers$152$121

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. That's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, 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 15% less a month by choosing Accc over Metromile.

Even so, with both companies, you'll see your rates drop significantly once you turn 25. Metromile offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Accc's average premiums reduce over 45% during that same period.

Which is the Best Company for Retired Drivers?

Accc Metromile
65+-year-old drivers$112$129

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever see.

When looking at Accc and Metromile specifically, which company is best for retired drivers? Accc gets the edge, with prices for drivers 65 and older $17 cheaper than the national average for Metromile.

Which is the Best Company for Married Drivers?

Accc Metromile

You may not be aware, but car insurance rates tend to be more expensive for single drivers than they are for married drivers. That's because policies for married couples normally cover several vehicles, which several carriers will give you a discount for.

When it comes to relationship status, Accc is the winner for those who are single, with premiums about 4% per month more affordable than Metromile, on average.

Accc or Metromile: Average Rates by Gender

Accc Metromile

Women tend to pay less for insurance than men. That's because men are more likely to get into collisions and get speeding tickets, which raises the chances of filing a claim with insurance.

Men generally pay around 2% more a month than women with Accc, but surprisingly, with Metromile, men usually pay about 3% per month less than women.

When it comes to the cheapest prices for each gender, Accc is the lowest carrier for women. Rates with Accc are $5 cheaper for women, while with Metromile, men can save around $5.

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Accc vs. Metromile: Compare State Minimum vs. Full Coverage Rates

Accc Metromile
State Minimum*$95$99
Full Coverage**$202$201

*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. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

When it comes to state minimum limits for liability insurance, Accc has the edge, while Metromile offers the cheapest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $4 with ACCC Insurance Company, while full coverage comes out to be about $1 less expensive with Metromile.

Is Accc or Metromile Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Metromile
Clean Record$126$115
1 Speeding Ticket$148$148

Drivers who use Accc for their auto insurance can typically expect their monthly bill to go up around 15% after getting a speeding ticket. Metromile policyholders can expect a bit more drastic of an increase of about 22%.

If you have gotten a ticket, Accc tends to offer the best rates at around 0% cheaper, while Metromile has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Accc Metromile
Clean Record$126$115
1 At-Fault Accident$181$171

Both companies will raise prices pretty significantly if you get into an at-fault accident with Metromile increasing by about 33%. Accc has a less extreme increase, but you can still expect to pay more than 30% more than you were prior to your first collision.

At the end of the day, the more affordable premiums come from Metromile, with average rates coming in at $171 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

Accc Metromile
Clean Record$126$115
1 DUI$140$167

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. For example, Metromile increases average prices by more than $50 a month -- that's over a 30% increase.

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 Metromile's $167.

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How does Credit Score Impact Accc and Metromile Rates?

Often times, your credit score can be used as one of the variables to calculate your monthly car insurance rates. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for lots of policyholders.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

Accc Metromile
Excellent Credit Score$106$118
Good Credit Score$125$137

If you have a solid credit score, Accc will normally reward you the most. For drivers with "excellent" credit scores, Accc comes in more than 10.17 less expensive. Drivers with "good" credit scores typically save about 9% with Accc compared to average premiums from Metromile.

Which Company is Best for Drivers with Bad Credit?

Accc Metromile
Fair Credit Score$153$156
Poor Credit Score$211$189

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay around 2% less with Accc than Metromile, but those whose credit is considered "poor" have it flipped -- saving about 10% per month with Metromile.

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

Accc Metromile
6,000 Annual Miles$149$150
12,000 Annual Miles$149$150

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. Usually, the more milage you put on your car each year, the more you can expect to pay for insurance.

In this case, neither Accc or Metromile report increasing rates for drivers with higher annual mileage figures. Still, Accc comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $149 a month for both.

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

Where you live can play a large role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the roads where they live.

Accc Metromile
Urban Areas$173$209
Suburban Areas$143$121
Rural Areas$130$120

When comparing these two companies side-by-side, Metromile boasts the cheapest average rates in rural and suburban areas, while Accc wins in urban areas.

If you live in a rural area, you can expect to pay around $120 a month with Metromile and $130 with Accc. Drivers in suburban ZIP codes pay a monthly premium of about $121 with Metromile compared to $143 with Accc. For drivers in urban ZIP codes, Accc's average premiums are around $173 while Metromile offers rates about $209.

Accc vs. Metromile 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 auto insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Accc and Metromile so that you can find the one that has the most discounts and, therefore, the largest savings.

Accc Metromile
Anti-Theft Discount 
Claim Free Discount 
Diminution of Value Discount 
EFT Discount 
Good Driving Discount
Good Student Discount 
Liability Only Discount 
Mature Driver Discount 
Multi-Policy Discount 
Non-Owner Discount 
Online Quote Discount 
Paid In Full Discount 
Paperless Discount 
Punitive Damage Exclusion Discount 

Accc knocks Metromile out of the park when it comes to the sheer number of discounts available, offering 11 different discounts to Metromile's four.

There are a couple discounts both carriers offer, but Accc also offers discounts for anti-theft, claim free, diminution of value, and more.

On the other hand, Metromile has a few proprietary discounts of their own for things like multi-policy discounts, online quote discounts, and paperless discounts.

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Final Thoughts: Is Accc or Metromile Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, when it comes down to it, which carrier is the best company for you and your specific profile and needs?

Accc might be best for you if....

  • Your driving record includes a DUI charge.
  • You want to save extra money with discounts.
  • You want to save money while purchasing car insurance for a teenager.

Metromile might be best for you if...

  • Your driving record contains an at-fault accident.
  • Your neighborhood is in the suburbs.
  • You are purchasing your insurance with a spouse.

Hopefully, this guide helps you get a better idea of the difference between Accc and Metromile. We also hope we've given you the information you need to make the best 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 Metromile. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

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Accc vs. Metromile FAQs

Is Accc or Metromile cheaper?

Accc is the cheaper of the two carriers when looking at national average prices, with policies averaging $149 per month with Accc and $150 for Metromile. Even so, that doesn't mean Accc will be the lowest company for every driver, 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 Metromile?

Sadly, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Accc and Metromile offer me different rates?

Car insurance companies use many different factors when determining the premiums they charge. Variables such as age, where you call home, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Accc and Metromile calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance carrier 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 make it easy for you to do just that. Just enter your ZIP code 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 best rate. And maybe you'll find that the best company for you isn't Accc or Metromile 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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