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

So, you're in the market for a new insurance policy. You may have even narrowed down your search to Accc and Safe Auto. But which of these two companies is the best one for you? Read on to find which carrier has the best prices and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for auto insurance, Accc offers significantly less expensive premiums than Safe Auto
  • Accc tends to be a much more affordable option for drivers who have below-average credit
  • Safe Auto may help you save more money -- they offer more discounts than ACCC Insurance Company

Accc or Safe Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might have narrowed your search down to Accc or Safe Auto as potential options, but which company will save you the most?

Accc Safe Auto

Looking at the national average rates for both carriers, Accc has average rates that are around 35% a month cheaper than those from Safe Auto.

But that doesn't mean Accc will necessarily be more affordable than Safe Auto for every single driver. Insurance companies use a ton of complex algorithms to determine rates, so depending on how good your credit score is or how old you are (among a wide array of other factors), you could see wildly different prices from the ones above.

Wanting to know if Accc or Safe Auto is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Accc vs. Safe Auto: Average Car Insurance Rates by State

State Accc Safe Auto

Accc and Safe Auto only compete against each other in one states, with Accc offering less expensive premiums to the average driver in all of them. Arizona has the most noticable difference, where Accc prices are $32 cheaper than car insurance premiums at Safe Auto.

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

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Which is the Best Company For Young Drivers?

Accc Safe Auto
18-year-old drivers$278$443
25-year-old drivers$152$211

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. Typically, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 Accc save over 35% per month compared to those who use Safe Auto. It's worth noting that Safe Auto offers auto insurance in 13 different states compared to Accc's three, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Accc policyholders decrease about $150 and Safe Auto's prices drop almost $250 over that time.

Which is the Best Company for Retired Drivers?

Accc Safe Auto
65+-year-old drivers$112$179

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever find.

But who has the best premiums for retired drivers between Accc and Safe Auto? Accc gets the edge, with prices for drivers 65 and older more than 35% less expensive than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Accc Safe Auto

Did you know that auto insurance rates are usually more expensive for single policyholders than they are for married policyholders? That's because policies for married couples generally cover several vehicles, which lots of 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 rates coming in at a third less than Safe Auto's. The advantage for married drivers with Accc is also obvious, where drivers save around $50 a month.

Accc or Safe Auto: Average Rates by Gender

Accc Safe Auto

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll typically end up paying more for insurance than women.

On average, men see premiums about 2% per month higher with Accc, and around 7% with Safe Auto.

Looking at overall affordability, Accc comes out as the lowest option for both genders, with average prices 35% less for men and 31% cheaper for women.

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Accc vs. Safe Auto: Compare State Minimum vs. Full Coverage Rates

Accc Safe Auto
State Minimum*$95$126
Full Coverage**$202$320

*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.

Car insurance can be a complicated subject for most people. There are many different coverages that account for a range of 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.

Even so, most policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, Accc has the 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 a month to Safe Auto's $320.

Is Accc or Safe Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their 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 at-fault accidents will most likely raise your prices, but is Accc or Safe Auto more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Safe Auto
Clean Record$126$180
1 Speeding Ticket$148$220

Policyholders who use Accc for their auto insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. Safe Auto policyholders can expect a bit more drastic of an increase of about 18%.

However, Accc has cheaper premiums for drivers in both categories -- their rates are around 30% less expensive for drivers with clean records and 33% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Accc Safe Auto
Clean Record$126$180
1 At-Fault Accident$181$246

Accc drivers who get in a collision can expect to see their rates climb by over 30%, while those who have insurance through Safe Auto will see around a 25% increase.

At the end of the day, Accc offers the cheapest prices for drivers with an at-fault collision on their records, with average premiums coming in at $181 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

Accc Safe Auto
Clean Record$126$180
1 DUI$140$245

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Safe Auto will raise your prices about 27% after a DUI, while Accc's average rates rise by 10%.

Accc has the overall lowest premiums for drivers with a DUI on their records at $140 per month, but it's worth noting that Safe Auto's average rates come from 13 states compared to just three for Accc, so the data may be skewed slightly.

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How does Credit Score Impact Accc and Safe Auto Rates?

Did you know many car insurance companies take into account your credit score when determining prices? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for many policyholders.

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, drivers with bad credit will often be forced to pay more.

Looking specifically at Accc and Safe Auto, which carrier has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Accc Safe Auto
Excellent Credit Score$106$187
Good Credit Score$125$222

If you have a great credit score, Accc will usually reward you the most. For drivers with "excellent" credit scores, Accc comes in nearly 43.32 cheaper. Drivers with "good" credit scores typically save around 44% with Accc compared to average rates from Safe Auto.

Which Company is Best for Drivers with Bad Credit?

Accc Safe Auto
Fair Credit Score$153$230
Poor Credit Score$211$252

Accc typically offers lower premiums than Safe Auto when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 33% per month less with Accc compared to Safe Auto, and those with "poor" scores generally save an average of around 16% a month.

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

Accc Safe Auto
6,000 Annual Miles$149$223
12,000 Annual Miles$149$223

Did you know that the amount of time you spend in your car have a big impact on your monthly prices? Normally, those who drive less will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Accc or Safe Auto report increasing prices for drivers with higher annual mileage figures. That being said, Accc comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average premiums of $149 a month for both.

Accc or Safe Auto: 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 auto insurance, but the type of area you live in can have a large impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Accc Safe Auto
Urban Areas$173$271
Suburban Areas$143$200
Rural Areas$130$197

Accc boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Accc's average rates are about $173 while Safe Auto offers prices around $271. People in suburban areas pay about $143 with Accc compared to Safe Auto's $200 monthly. Those in rural areas can expect to pay around $130 per month with Accc compared to Safe Auto's $197.

Accc vs. Safe Auto Discounts

No matter why you might be in the market for a new car 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 utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Accc and Safe Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Accc Safe Auto
Agency Transfer Discount 
Anti-Theft Discount
Claim Free Discount
Defensive Driver Discount 
Diminution of Value Discount 
Driver Training Discount 
EFT Discount 
Good Driving Discount 
Good Student Discount 
Homeowner Discount 
Liability Only Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Non-Owner Discount
Occupation Discount 
Paid In Full Discount
Passive Restraint Discount 
Punitive Damage Exclusion Discount 
Renewal Discount 

Overall, Safe Auto has advantage when it comes to total number of discounts. Accc offers a grand total of 11 discounts, while Safe Auto has 14.

A couple of those are overlapping for things like anti-theft discounts, non-owner discounts, and paid in full discounts. Safe Auto also offers discounts for agency transfer, defensive driver, driver training, and more.

On the other hand, Accc has a few proprietary discounts of their own for things like diminution of value discounts, EFT discounts, good driving discounts, and more.

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Final Thoughts: Is Accc or Safe Auto Best for You?

So, you've seen how different factors can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which company is the best one for you and your specific needs?

Accc might be best for you if....

  • You haven't received any speeding tickets or been in an accident in the last few years.
  • You're looking for the best premiums on liability only coverage.
  • You're married and plan to have both of your names on the vehicle's auto insurance policy.

Safe Auto might be best for you if...

  • You already have plans to move to another state -- ACCC Insurance Company only offers policies in three states.
  • You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Accc and Safe Auto. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Accc and Safe Auto. Luckily, does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

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Accc vs. Safe Auto FAQs

Is Accc or Safe Auto cheaper?

Accc is the cheaper of the two companies when looking at national average prices, with policies averaging $149 per month with Accc and $223 for Safe Auto. But that doesn't mean Accc will be the cheapest carrier for every policyholder, since there are lots of different variables that are considered when it comes to your insurance bill.

Who is better, Accc or Safe Auto?

Sadly, the answer truly is "it depends.". Neither company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Accc and Safe Auto offer me different rates?

Car insurance carriers use several different factors when calculating the premiums they charge. Variables such as where you live, where your home is, age, gender, and sometimes even things like your credit score can all be used. Both Accc and Safe Auto calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Accc or Safe Auto 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 carriers 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 area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Accc or Safe Auto 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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