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

How do Accc and Safeway compare when it comes to insurance rates and discounts? If you want to find out which carrier has the best prices for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Accc offers significantly cheaper premiums than Safeway
  • Accc offers more affordable prices for single people who will be the only person on the auto insurance policy
  • Accc has less expensive rates for policyholders who are looking to purchase insurance with a spouse

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

Are you in the market for 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 might have narrowed it down to Accc or Safeway for your next policy, but between the two, which company will offer you more affordable premiums?

Accc Safeway

As you can see, Safeway is around $45 more a month than Accc when looking at the national average rates for car insurance.

However, that doesn't mean Accc will necessarily be cheaper than Safeway for every driver. Insurance carriers vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and all sorts of other factors, so prices will vary quite a bit from person to person.

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

Accc vs. Safeway: Average Car Insurance Rates by State

State Accc Safeway

Accc and Safeway only compete against each other in two states, with Accc offering less expensive rates to the average driver in all of them. Arizona has the most noticable difference, where Accc prices are $15 more affordable than auto insurance premiums at Safeway.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies determine your rates. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Accc Safeway
18-year-old drivers$278$455
25-year-old drivers$152$179

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. Generally, that's because 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 premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Accc for their insurance pay almost 40% less than those who use Safeway.

Even so, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Accc policyholders drop about $150 and Safeway's premiums reduce nearly $300 over that time.

Which is the Best Company for Retired Drivers?

Accc Safeway
65+-year-old drivers$112$136

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

So, which carrier offers the best rates to retired drivers? Accc gets the edge, with premiums for drivers 65 and older almost 20% cheaper than the national average for Safeway.

Which is the Best Company for Married Drivers?

Accc Safeway

Single drivers tend to get offered slightly more expensive auto insurance rates than married policyholders. This usually boils down to married drivers having several vehicles on their policy -- something a lot of car insurance companies will reward with discounts.

For single policyholders, the difference in average prices between these two carriers is significant, with Accc premiums coming in at a quarter less than Safeway's. The advantage is also clear for married couples - Accc offers the most affordable average rates.

Accc or Safeway: Average Rates by Gender

Accc Safeway

Did you know men typically pay more for insurance than women? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Men usually pay around 2% more per month than women with Accc, but with Safeway, the difference is closer to 9% a month.

When it comes to the lowest premiums for each gender, Accc comes out on top for both men and women. On average, women save about $38 per month and men save about $53 with Accc compared to the average Safeway policyholder.

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

Accc Safeway
State Minimum*$95$130
Full Coverage**$202$258

*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. There are multiple different coverages that account for a bunch 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.

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 if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability limits, Accc has the significant 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 Safeway's $258.

Is Accc or Safeway 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.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Safeway
Clean Record$126$163
1 Speeding Ticket$148$170

Policyholders who use Accc for their insurance can normally expect their monthly bill to go up about 15% after getting a speeding ticket. Safeway policyholders can expect a less drastic increase of around 4%.

That being said, Accc is usually the less expensive option for both drivers who have a recent ticket and those with clean records -- their rates are around 23% more affordable for drivers with clean records and 13% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Accc Safeway
Clean Record$126$163
1 At-Fault Accident$181$223

After an accident, drivers who have their auto insurance through Accc can expect to see about an $55 -- or around 30% -- rise in their insurance premiums. Drivers who use Safeway for their car insurance will see a monthly bill about $60 (or 27%) more expensive after reporting a collision to their auto insurance company.

At the end of the day, the less expensive rates come from Accc, with average prices coming in at $181 compared to Safeway Insurance's $223.

Which Company is Best for Drivers with a DUI?

Accc Safeway
Clean Record$126$163
1 DUI$140$220

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Safeway will climb your premiums around 26% after a DUI, while Accc's average prices climb by 10%.

But if you end up with a DUI charge and are looking for more affordable rates, Accc tends to be more affordable for the average driver, with monthly premiums coming in at about $140 to Safeway's $220.

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How does Credit Score Impact Accc and Safeway Rates?

Did you know many car insurance carriers take your credit score into account when determining premiums? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it will come into play for lots of 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 specifically at Accc and Safeway, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Accc Safeway
Excellent Credit Score$106$194
Good Credit Score$125$194

Which Company is Best for Drivers with Bad Credit?

Accc Safeway
Fair Credit Score$153$194
Poor Credit Score$211$194

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

Accc Safeway
6,000 Annual Miles$149$194
12,000 Annual Miles$149$194

How much you drive can have a considerable impact on your monthly auto insurance cost. Typically, the more milage you drive, the more you can expect to pay for coverage.

In this case, neither Accc or Safeway 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 vehicle annually, with average premiums of $149 per month for both.

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

Where your home is can have a big impact on your monthly insurance bill. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

Accc Safeway
Urban Areas$173$234
Suburban Areas$143$201
Rural Areas$130$146

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

For drivers in urban ZIP codes, ACCC Insurance Company's average prices are around 26% less than Safeway Insurance. People who live in suburban areas pay about 29% less with Accc compared to Safeway. Those in rural areas can expect to save around 11% with Accc compared to Safeway.

Accc vs. Safeway 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 car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier 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 looked at all of the different discounts Accc and Safeway offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Accc Safeway
Agency Transfer Discount 
Anti-Theft Discount 
Claim Free Discount 
Defensive Driver Discount 
Diminution of Value Discount 
EFT Discount 
Full Coverage Discount 
Good Driving Discount 
Good Student Discount
Homeowner Discount 
Liability Only Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Non-Owner Discount 
Paid In Full Discount
Punitive Damage Exclusion Discount
Renewal Discount 
Vin Etching Discount 

You can find offers for discounts for being a good student, paid in full discounts, and punitive damage exclusion discounts from both companies.

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Final Thoughts: Is Accc or Safeway Best for You?

So, we've broken down the average premiums for many of the variables auto insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, 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 live in an suburban area.
  • You're of retirement age and want to take advantage of lower rates.

Safeway might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Accc and Safeway and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Accc and Safeway. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

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Accc vs. Safeway FAQs

Is Accc or Safeway cheaper?

Accc is the less expensive of the two companies when looking at national average prices, with policies averaging $149 a month with Accc and $194 for Safeway. But that doesn't mean Accc will be the most affordable company for everyone, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Accc or Safeway?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like. For example, Safeway is cheaper for drivers who have less-than-stellar credit scores, while Accc offers more affordable premiums for policyholders with an at-fault collision on their record.

Why do Accc and Safeway offer me different rates?

Insurance carriers use several different variables when calculating the rates they charge. Factors such as age, your driving record, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Accc and Safeway use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Accc or Safeway 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 carriers 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 car insurance companies for free. With those, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't Accc or Safeway 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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