ACCC vs. Nationwide: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, ACCC offers more affordable rates than Nationwide
• ACCC has less expensive prices for drivers who have below-average credit
• Nationwide may help you save more money -- they offer more discounts than ACCC Insurance Company

ACCC or Nationwide: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to ACCC or Nationwide as your top options, but which carrier will offer you cheaper premiums?

Looking at the national average rates for both carriers, ACCC is around $21 a month less expensive than Nationwide.

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

So, if you want to find out which of ACCC or Nationwide is really the best for you, keep reading to see average prices for each company broken down by multiple different rate factors.

ACCC vs. Nationwide: Average Car Insurance Rates by State

ACCC and Nationwide only compete against each other in three states, with ACCC offering more affordable rates to the average driver in all of them. Georgia has the most noticable difference, where ACCC premiums are $71 less expensive than auto insurance prices at Nationwide.

That being said, there are plenty of other factors that go into your car insurance cost than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. The reason is that 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 that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have ACCC for their car insurance pay over 25% less than those who use Nationwide.

However, with both carriers, you'll see your prices decrease significantly by the time drivers turn 25. For example, average rates for ACCC policyholders lower more than 45% and Nationwide's prices drop over 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance rates out there. After all, they've likely been driving for quite some time, which generally reduces their chances of collisions and other infractions that can raise premiums.

When looking at ACCC and Nationwide specifically, which carrier is best for retired drivers? ACCC gets the edge here, with average prices coming in at about $112 monthly compared to Nationwide's $125.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are normally cheaper for married drivers than they are for single policyholders? That's because policies for married policyholders generally cover several vehicles, which quite a few companies will give you a discount for.

For those who are single, the difference in average premiums between these two carriers is significant, with ACCC prices coming in at around 15% less than Nationwide's. But for married couples, that advantage is much less clear - ACCC has the edge when it comes to average premiums , but the difference is less than $5.

ACCC or Nationwide: Average Rates by Gender

Did you know women normally pay less for car insurance than men? This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

With ACCC, women typically pay about $3 per month less than men, and around $10 with Nationwide.

Looking at the data for each company specifically, ACCC comes out as the cheapest option for both genders, with average prices $26 less for men and $17 cheaper for women.

ACCC vs. Nationwide: 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 limits 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 (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum liability insurance, ACCC has the 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 about $202 a month to Nationwide's $229.

Is ACCC or Nationwide Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault collisions and speeding tickets lead to higher rates, but which carrier -- ACCC or Nationwide -- has the most affordable prices for drivers with less-than-perfect 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. Nationwide policyholders can expect a bit more drastic of an increase of about 16%.

If you have gotten a ticket, ACCC tends to offer the best premiums at around 1% more affordable, while Nationwide has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

ACCC drivers who get in an accident can expect to see their rates rise by $55, while those who have insurance through Nationwide will see about a $55 increase.

At the end of the day, drivers who use Nationwide end up with the cheaper prices after an accident, with average premiums coming in at $178 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. For example, Nationwide increases average rates by more than $100 per month -- that's more than a 45% increase.

How does Credit Score Impact ACCC and Nationwide Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly 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 several policyholders.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive rates.

Looking specifically at Nationwide and ACCC, which company has the best prices 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 Nationwide 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 your monthly premiums. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

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 Nationwide, with policyholders who drive the least paying around $1 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, ACCC is the more affordable company.

ACCC or Nationwide: 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 considerable impact as well. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

ACCC tends to offer the lowest premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, ACCC's average rates are about $173 while Nationwide offers prices around $199. People in suburban areas pay about $143 with ACCC compared to Nationwide's $159 per month. Those in rural areas can expect to pay around $130 a month with ACCC compared to Nationwide's $151.

ACCC vs. Nationwide 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 Nationwide so that you can see which one can save you the most money each month.

Nationwide knocks ACCC out of the park when it comes to the sheer number of discounts available, offering 22 different discounts to ACCC's 22.

Both carriers offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a good driver, and discounts for being a good student -- but Nationwide also offers discounts for advance quote, agency transfer, defensive driver, 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 Nationwide Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is ACCC or Nationwide the right company for you and your specific needs?

ACCC might be best for you if....

• You're worried about the impact your credit score will have on your rates.
• You live in a rural neighborhood.
• You drive often but have a short commute.

Nationwide might be best for you if...

• You already have plans to move to another state -- undefined is only available in.
• You have an at-fault accident on your record.
• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare ACCC and Nationwide. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from multiple companies, not just ACCC and Nationwide. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

ACCC vs. Nationwide FAQs

Is ACCC or Nationwide cheaper?

ACCC is the cheaper of the two companies when looking at national average prices, with policies averaging $149 a month with ACCC and $170 for Nationwide. But that doesn't mean ACCC will be the most affordable carrier for each driver, since there are a range of different factors that are considered when it comes to your car insurance payment.

Who is better, ACCC or Nationwide?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, ACCC is less expensive for drivers who have less-than-stellar credit scores, while Nationwide offers more affordable rates for policyholders with an at-fault collision on their record.

Why do ACCC and Nationwide offer me different rates?

Car insurance carriers use lots of different variables when determining the premiums they charge. Things such as your driving record, age, gender, where you live, and sometimes even things like your credit score can all be used. Both ACCC and Nationwide calculate prices using different formulas, 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 several different companies.

How do I know if ACCC or Nationwide 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't ACCC or Nationwide 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.