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

Looking for car insurance and wondering if ACCC or Progressive is the right carrier for you? If so, you're probably wondering which company has the most affordable premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next auto insurance policy.
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Quick Facts

  • Looking at the national averages for insurance, ACCC offers cheaper prices than Progressive
  • ACCC offers more affordable average rates for policyholders who drive fewer than 6,000 miles annually
  • Progressive may help you save more money -- they offer more discounts than ACCC Insurance Company

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to ACCC or Progressive as your top options, but between the two, which one has less expensive prices for car insurance?

ACCC Progressive

Looking at nationwide averages, Progressive has average rates that are around 17% a month more expensive than those from ACCC.

However, ACCC may not be the lowest or best option for every driver out there. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things), so rates could differ drastically from person to person.

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

ACCC vs. Progressive: Average Car Insurance Rates by State

State ACCC Progressive

ACCC and Progressive only compete against each other in three states, with ACCC offering more affordable rates to the average driver in all of them. Utah has the most noticable difference, where ACCC premiums are $37 less expensive than car insurance prices at Progressive.

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

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Which is the Best Company For Young Drivers?

ACCC Progressive
18-year-old drivers$278$451
25-year-old drivers$152$142

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's 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 that teen drivers have to just accept sky-high auto insurance premiums. For example, 18-year-old drivers pay an average of over 40% less per month by choosing ACCC over Progressive.

But both companies will drop prices once you turn 25. For example, average rates for ACCC policyholders decrease about $150 and Progressive's premiums reduce around $300 over that time.

Which is the Best Company for Retired Drivers?

ACCC Progressive
65+-year-old drivers$112$131

Drivers around retirement age generally enjoy some of the cheapest insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

But who has the best premiums for retired drivers between ACCC and Progressive? ACCC gets the edge, with rates for drivers 65 and older almost 15% cheaper than the national average for Progressive.

Which is the Best Company for Married Drivers?

ACCC Progressive

You may not be aware, but auto insurance prices tend to be more affordable for married couples than they are for single policyholders. That's usually because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two carriers is significant, with ACCC premiums coming in at a quarter less than Progressive's. But for married policyholders, that advantage is much less clear - ACCC offers the lowest average prices , but the difference is only a dollar.

ACCC or Progressive: Average Rates by Gender

ACCC Progressive

Men generally pay more for insurance than women. 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 premiums.

Usually, women see prices about 2% a month less with ACCC, and around 3% less with Progressive when compared to their male counterparts.

When it comes to the most affordable rates for each gender, ACCC offers the cheapest average premiums for both men and women. On average, women save about $31 per month and men save about $33 with ACCC compared to the average Progressive policyholder.

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ACCC vs. Progressive: Compare State Minimum vs. Full Coverage Rates

ACCC Progressive
State Minimum*$95$111
Full Coverage**$202$250

*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, car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

Even so, most 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).

Looking specifically at state minimum liability insurance, ACCC has the edge, with average monthly prices 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 a month to Progressive's $250.

Is ACCC or Progressive Better for Drivers with Spotty Records?

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

Collisions and speeding tickets will most likely raise your prices, but is ACCC or Progressive less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

ACCC Progressive
Clean Record$126$149
1 Speeding Ticket$148$180

Policyholders who use ACCC for their insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Progressive policyholders can expect a bit more drastic of an increase of around 17%.

But ACCC tends to offer the best prices for drivers both with clean records and with a ticket, offering rates that are $23 and $32 cheaper, respectively, compared to Progressive.

Which Company is Best for Drivers After an Accident?

ACCC Progressive
Clean Record$126$149
1 At-Fault Accident$181$214

After an accident, drivers who have their car insurance through ACCC can expect to see about an $55 -- or around 30% -- rise in their insurance premiums. Drivers who use Progressive for their car insurance will see a monthly bill about $65 (or 30%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, the less expensive prices come from ACCC, with average premiums coming in at $181 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

ACCC Progressive
Clean Record$126$149
1 DUI$140$177

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. For example, Progressive increases average rates by nearly $30 per month -- that's more than a 15% increase.

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How does Credit Score Impact ACCC and Progressive Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (for example, are two states that ban the practice entirely), but it might come into play for a lot of drivers.

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

Looking specifically at Progressive and ACCC, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

ACCC Progressive
Excellent Credit Score$106$136
Good Credit Score$125$157

Which Company is Best for Drivers with Bad Credit?

ACCC Progressive
Fair Credit Score$153$181
Poor Credit Score$211$247

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Is ACCC or Progressive Better for Drivers who Work from Home or Have Short Commutes?

ACCC Progressive
6,000 Annual Miles$149$180
12,000 Annual Miles$149$180

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. Normally, those who drive less will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither ACCC or Progressive 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 every year, with average rates of $149 a month for both.

ACCC or Progressive: 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. Usually, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads where they live.

ACCC Progressive
Urban Areas$173$207
Suburban Areas$143$179
Rural Areas$130$154

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

Those in rural areas can expect to pay around $130 a month with ACCC and $154 with Progressive. Drivers in suburban ZIP codes pay about $143 with ACCC compared to Progressive's $179 monthly. For drivers in urban ZIP codes, ACCC's average rates are around $173 per month compared to Progressive's $207.

ACCC vs. Progressive Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many car 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 Progressive so that you can see which one can save you the most money each month.

ACCC Progressive
ABS Discount 
Advance Quote Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Anti-Theft Discount
Claim Free Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
DRL Discount 
E-Signature Discount 
Education Discount 
EFT Discount
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount 
Liability Only Discount 

Progressive blows ACCC away when it comes to the sheer amount of discounts available, offering 34 different discounts to ACCC's 11.

Both carriers offer a lot of the same discounts -- like anti-theft discounts, EFT discounts, and discounts for being a good student -- but Progressive also offers discounts for ABS, advance quote, advanced safety feature, 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.

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Final Thoughts: Is ACCC or Progressive Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best company for you and your specific driver profile?

ACCC might be best for you if....

  • Your driving record includes a DUI charge.
  • You want the most robust protection via a "full coverage" policy.
  • You don't spend much time in your car.

Progressive might be best for you if...

  • You already have plans to move to another state -- undefined only offers policies in.
  • You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between ACCC and Progressive. We also hope we've given you the information you need to make the best decision about your car insurance.

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

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ACCC vs. Progressive FAQs

Is ACCC or Progressive cheaper?

ACCC is the more affordable of the two carriers when looking at national average prices, with policies averaging $149 a month with ACCC and $180 for Progressive. Even so, that doesn't mean ACCC will be the cheapest company for each driver, since there are a variety of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, ACCC or Progressive?

Sadly, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do ACCC and Progressive offer me different rates?

Insurance companies use several different factors when calculating the premiums they charge. Things like your driving record, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both ACCC and Progressive calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if ACCC or Progressive is right for me?

The only way to find the auto 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, 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 carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't ACCC or Progressive 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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