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

Quick Facts

• Based on national averages for auto insurance, Accc offers significantly more affordable prices than State Auto
• Accc tends to be a much less expensive option for policyholders who live in urban areas
• State Auto may help you save more money -- they offer more discounts than ACCC Insurance Company

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

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

You might be considering Accc or State Auto, but which carrier will save you the most?

As you can see, State Auto is quite a bit more expensive than Accc, with premiums averaging $259 a month compared to just $149 with Accc when looking at the national average rates for insurance.

But Accc may not be the cheapest or best option for each 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 age, your credit score, or even your driving record (among other things). So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Accc and State Auto by a variety of different rate factors, so read on to find out which company is the best for you.

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

Accc and State Auto only compete against each other in one states, with Accc offering cheaper premiums to the average driver in all of them. Utah has the most noticable difference, where Accc prices are $136 less expensive than car insurance premiums at State Auto.

But there's more to calculating auto insurance rates than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of over 60% less per month by choosing Accc over State Auto.

That being said, both companies will reduce prices by the time you turn 25. State Auto offers the steepest decrease, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. That being said, Accc still has the lowest rates at $152 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Accc and State Auto specifically, which carrier is best for retired drivers? Accc gets the edge, with rates for drivers 65 and older almost 35% more affordable than the national average for State Auto.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance premiums than married drivers. That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

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

Accc or State Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets. That means when it comes to auto insurance men will normally end up paying a little more.

Men generally pay about 2% more a month than women with Accc, and around 9% more with State Auto.

Looking at overall affordability, Accc offers the lowest average prices for both men and women, with average rates $121 less for men and $100 cheaper for women.

Accc vs. State Auto: 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.

For most people, insurance can be pretty complicated. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, 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 about $202 per month to State Auto's $369.

Is Accc or State Auto 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.

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which company -- Accc or State Auto -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Accc for their insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. State Auto policyholders can expect a bit more drastic of an increase of about 22%.

Even so, Accc tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are 26% and 32% cheaper, respectively, compared to State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with State Auto raising by around 37%. Accc has a less extreme climb, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, the more affordable rates come from Accc, with average premiums coming in at $181 compared to State Auto Insurance's $269.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or speeding ticket. On average, State Auto will raise your prices about 55% after a DUI, while Accc's average rates rise by 10%.

But if you end up with a DUI charge and are looking for more affordable premiums, Accc tends to be less expensive for the average driver, with monthly premiums coming in at around $140 to State Auto's $380.

How does Credit Score Impact Accc and State Auto Rates?

Did you know many insurance carriers take your credit score into account when determining rates? This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect lots of drivers out there.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the lowest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Accc will typically reward you the most. For drivers with "excellent" credit scores, Accc comes in over 45.36 cheaper. Drivers with "good" credit scores normally save about 45% with Accc compared to average rates from State Auto.

Which Company is Best for Drivers with Bad Credit?

Accc typically offers lower prices than State Auto when it comes to drivers with bad credit. Drivers with "fair" credit pay around 42% a month less with Accc compared to State Auto, and those with "poor" scores typically save an average of about 40% a month.

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

Did you know that the amount of time you spend in your car have a substantial impact on how much car insurance carriers will charge for coverage? Generally, the more milage you put on your car each year, the more you can expect to pay for auto insurance.

In this case, neither Accc or State Auto report increasing premiums for drivers with higher annual mileage figures. Accc comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average prices of $149 per month for both.

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

Where you live can have a pretty big impact on your monthly insurance payment. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Accc generally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, ACCC Insurance Company's average rates are around $144 less than State Auto Insurance. People who live in suburban areas pay about $93 less with Accc compared to State Auto. Those in rural areas can expect to save around $95 with Accc compared to State Auto.

Accc vs. State 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 auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of 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 State 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.

State Auto blows Accc away when it comes to the sheer amount of discounts available, offering 18 different discounts to Accc's 11.

There are a couple discounts both carriers offer, but State Auto also offers discounts for ABS, advance quote, advantage program , 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, EFT discounts, and more.

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

So, we've broken down the average premiums for many of the variables insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, is Accc or State Auto the right one for you and your specific needs?

Accc might be best for you if....

• You will be the only person on the car insurance policy.
• Your home is in a busy urban area.
• You're of retirement age and want to take advantage of lower prices.

State Auto might be best for you if...

• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Accc and State Auto and that you can now make a more informed decision when it comes to your auto insurance.

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

Accc vs. State Auto FAQs

Is Accc or State Auto cheaper?

Accc is the more affordable of the two carriers when looking at national average premiums, with policies averaging $149 a month with Accc and $259 for State Auto. However, that doesn't mean Accc will be the most affordable company for every policyholder, since there are multiple different factors that are considered when it comes to your car insurance cost.

Who is better, Accc or State Auto?

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

Why do Accc and State Auto offer me different rates?

Auto insurance companies use quite a few different variables when calculating the rates they charge. Factors like where your home is, gender, where you park your vehicle, age, and sometimes even things like your credit score can all be used. Both Accc and State Auto calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Accc or State Auto 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.