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

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

  • In general, Root offers significantly cheaper rates than Accc
  • Accc may help you save more money -- they offer more discounts than Root Insurance
  • Root has less expensive premiums for drivers with a DUI

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering pretty big savings, but exactly how much money can you save by switching?

You might have narrowed it down to Accc or Root as your top options, but which company has more affordable rates for insurance?

Accc Root

Looking at the national average rates for both carriers, Root is quite a bit cheaper than Accc, with prices averaging $65 a month compared to $149 with Accc.

Even so, that doesn't necessarily mean Root will be the cheaper option for every single driver. Auto insurance companies vary their premiums depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and a ton of other factors. So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

So, if you want to find out which of Accc or Root is really the best for you, keep reading to see average rates for each company broken down by a range of different rate factors.

Accc vs. Root: Average Car Insurance Rates by State

State Accc Root

Accc and Root only compete against each other in Arizona, where Root offers the cheaper average premiums. Root drivers tend to pay about $75 per month less on average compared to drivers who use Accc for their car insurance.

There's a lot more that goes into your auto insurance bill than just where you live. Read on to learn more.

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Which is the Best Company For Young Drivers?

Accc Root
18-year-old drivers$278$136
25-year-old drivers$152$52

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Root save almost 50% a month compared to those who use Accc.

However, both carriers will drop premiums once you turn 25. Root offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Accc's average prices reduce over 45% during that same period.

Which is the Best Company for Retired Drivers?

Accc Root
65+-year-old drivers$112$57

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

So, which carrier offers the best premiums to retired drivers? Root gets the edge, with prices for drivers 65 and older nearly 50% more affordable than the national average for Accc.

Which is the Best Company for Married Drivers?

Accc Root

Did you know that insurance rates are usually less expensive for married drivers than they are for single drivers? This usually boils down to married policyholders having several vehicles on their policy -- something a lot of auto insurance companies will reward with discounts.

For single policyholders, the difference in average prices between these two carriers is significant, with Root premiums coming in at around half of Accc's. For married couples, the advantage is clear again - Root has the edge when it comes to average prices.

Accc or Root: Average Rates by Gender

Accc Root

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to car insurance men will normally end up paying a little more.

Women typically pay about 2% per month less than men with Accc, and around 3% less with Root when compared to their male counterparts.

When it comes to the lowest rates for each gender, Root comes out on top for both men and women, with average premiums 56% less for men and 56% cheaper for women.

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

Accc Root
State Minimum*$95$46
Full Coverage**$202$84

*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.

Insurance can be a complicated subject for most people. There are a variety of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Root has the significant edge, with average monthly prices coming in at $46. If you want a full coverage policy with the same state minimum limits, Root again has the edge, with policies averaging about $84 a month to Accc's $202.

Is Accc or Root Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 accidents will most likely raise your rates, but is Accc or Root cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Root
Clean Record$126$57
1 Speeding Ticket$148$67

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

But Root is typically the less expensive option for both drivers who have a recent ticket and those with clean records. With Root Insurance, drivers with a clean record can save around $69 per month and drivers with a speeding ticket can save about $81 a month.

Which Company is Best for Drivers After an Accident?

Accc Root
Clean Record$126$57
1 At-Fault Accident$181$79

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

At the end of the day, the more affordable rates come from Root, with average prices coming in at $79 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

Accc Root
Clean Record$126$57
1 DUI$140$57

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than a collision or ticket. Accc drivers usually see a 10% climb in their auto insurance premiums after a DUI charge, while Root will normally raise rates by about 0%.

But if you end up with a DUI charge and are looking for more affordable premiums, Root tends to be cheaper for the average driver, with monthly premiums coming in at around $57 to Accc's $140.

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How does Credit Score Impact Accc and Root Rates?

Often times, your credit score can be used as one of the variables to determine your monthly car insurance prices. This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it will come into play for several drivers.

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

Looking at Accc and Root specifically, which one has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Accc Root
Excellent Credit Score$106$54
Good Credit Score$125$60

If you have solid credit, Root will typically reward you the most. For policyholders with "excellent" credit scores, Root comes in just under 49.06 less expensive. Drivers with "good" credit scores generally save about 52% with Root compared to average prices from Accc.

Which Company is Best for Drivers with Bad Credit?

Accc Root
Fair Credit Score$153$66
Poor Credit Score$211$79

Root typically offers lower premiums than Accc when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 57% per month less with Root compared to Accc, and those with "poor" scores normally save an average of about 63% monthly.

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

Accc Root
6,000 Annual Miles$149$65
12,000 Annual Miles$149$65

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

In this case, neither Accc or Root report increasing prices for drivers with higher annual mileage figures. Even so, Root comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $65 a month for both.

Accc or Root: 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 substantial impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Accc Root
Urban Areas$173$77
Suburban Areas$143$60
Rural Areas$130$58

Root tends to offer the lowest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $72 with Root compared to Accc. People who live in suburban areas pay about $83 less with Root compared to Accc. For drivers in urban ZIP codes, Root Insurance's average rates are around $96 less than ACCC Insurance Company.

Accc vs. Root 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. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard 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 looked at all of the different discounts Accc and Root offer their customers so that you can see which carrier can save you the most money each month.

Accc Root
Anti-Theft Discount 
Auto-Steer Discount 
Claim Free Discount 
Diminution of Value Discount 
EFT Discount 
Good Driving Discount
Good Student Discount 
Homeowner Discount 
Liability Only Discount 
Mature Driver Discount 
Non-Owner Discount 
Paid In Full Discount
Paperless Discount 
Punitive Damage Exclusion Discount 

Accc blows Root away when it comes to the sheer amount of discounts available, offering 11 different discounts to Root's five.

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

On the other hand, Root has a few proprietary discounts of their own for things like auto-steer discounts, homeowner discounts, and paperless discounts.

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Final Thoughts: Is Accc or Root Best for You?

So, you've seen how different factors can affect your auto insurance premiums. 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 company is the right company for you and your specific profile and needs?

Root might be best for you if....

  • You have received a ticket within the last few years.
  • You want the most robust protection via a "full coverage" policy.
  • You drive often but have a short commute.

Accc might be best for you if...

  • You're looking for discounts -- Accc has the most.

Hopefully, this guide helps you get a better idea of the difference between Accc and Root. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Accc and Root. Luckily, does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

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Accc vs. Root FAQs

Is Accc or Root cheaper?

Root is the less expensive of the two carriers when looking at national average rates, with policies averaging $65 per month with Root and $149 for Accc. Even so, that doesn't mean Root will be the cheapest carrier for each policyholder, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Accc or Root?

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

Why do Accc and Root offer me different rates?

Car insurance companies use quite a few different factors when determining the prices they charge. Things such as your driving record, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Accc and Root calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the 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, makes it easy for you to do just that. Just enter your information once 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 most affordable price. And maybe you'll find that the best carrier for you isn't Accc or Root 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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