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

How do ACCC and State Farm compare when it comes to auto insurance rates and discounts? If you want to find out which carrier has the best premiums for your unique profile, check out our latest guide below.
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Quick Facts

  • In general, ACCC offers slightly cheaper prices than State Farm
  • ACCC has less expensive premiums for policyholders who drive fewer than 12,000 miles annually
  • State Farm tends to be a much more affordable option for policyholders who live in rural neighborhoods

ACCC or State Farm: 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 considerable savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to ACCC or State Farm for your next policy, but between the two, which one has cheaper rates for insurance?

ACCC State Farm

As you can see, State Farm is around $9 more a month than ACCC when looking at the national average rates for car insurance.

However, ACCC may not be the most affordable or best option for every driver out there. Auto insurance carriers vary their prices depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and all sorts of other factors, so premiums could vary drastically from person to person.

Wanting to know if ACCC or State Farm is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

ACCC vs. State Farm: Average Car Insurance Rates by State

State ACCC State Farm

ACCC and State Farm 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 prices are $70 less expensive than insurance rates at State Farm.

That being said, there's a lot more that goes into your auto insurance bill than just where you call home. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

ACCC State Farm
18-year-old drivers$278$353
25-year-old drivers$152$142

Teen drivers will almost always have the most expensive car insurance premiums of any group out there on the road. That'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 teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of 20% less per month by choosing ACCC over State Farm.

But both companies will offer you dramatically lower prices once you turn 25. For example, average rates for ACCC policyholders lower about $150 and State Farm's premiums reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

ACCC State Farm
65+-year-old drivers$112$111

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

So, which carrier offers the best premiums to retired drivers? In this case, State Farm has the slight edge, with rates about $1 a month less than ACCC. Even so, that difference is less than 5%, which means it ultimately will come down to other variables, like your credit score or where you live.

Which is the Best Company for Married Drivers?

ACCC State Farm

Married couples tend to get slightly cheaper car insurance premiums than single policyholders. This usually boils down to married drivers having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

When it comes to relationship status, ACCC is the winner for single drivers, with prices almost 10% per month more affordable than State Farm, on average.

ACCC or State Farm: Average Rates by Gender

ACCC State Farm

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for car insurance than women.

On average, women see premiums around $3 a month less expensive with ACCC, and over $10 with State Farm.

When it comes to the lowest rates for each gender, ACCC comes out on top for both men and women. On average, male drivers save about $14 per month and women save about $5 with ACCC compared to the average State Farm policyholder.

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

ACCC State Farm
State Minimum*$95$99
Full Coverage**$202$216

*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, auto insurance isn't the easiest topic to understand. There are lots of different coverages that account for many 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.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers 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 slight 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 State Farm's $216.

Is ACCC or State Farm Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

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

Which Company is Best for Drivers with Speeding Tickets?

ACCC State Farm
Clean Record$126$134
1 Speeding Ticket$148$155

Policyholders who use ACCC for their car insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of around 14%.

However, ACCC is typically the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are 6% and 5% cheaper, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

ACCC State Farm
Clean Record$126$134
1 At-Fault Accident$181$163

ACCC drivers who get in a collision can expect to see their rates climb by over 30%, while those who have insurance through State Farm will see about a 20% increase.

At the end of the day, the less expensive prices come from State Farm, with average premiums coming in at $163 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

ACCC State Farm
Clean Record$126$134
1 DUI$140$179

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. State Farm drivers usually see a 25% increase in their car insurance rates after a DUI charge, while ACCC will normally climb prices by around 10%.

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How does Credit Score Impact ACCC and State Farm Rates?

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

Auto 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.

So, which company offers the cheapest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

ACCC State Farm
Excellent Credit Score$106$80
Good Credit Score$125$105

Which Company is Best for Drivers with Bad Credit?

ACCC State Farm
Fair Credit Score$153$148
Poor Credit Score$211$300

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

ACCC State Farm
6,000 Annual Miles$149$151
12,000 Annual Miles$149$164

How much you drive can have a large impact on your monthly premiums. Usually, the more milage you put on your car, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much ACCC charges. However, there's a small difference in monthly prices for State Farm, with policyholders who drive 6,000 miles yearly paying about $13 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, ACCC is the more affordable carrier.

ACCC or State Farm: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a pretty big role in how much you pay for auto insurance. Generally, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads where they live.

ACCC State Farm
Urban Areas$173$185
Suburban Areas$143$161
Rural Areas$130$127

ACCC tends to offer the cheapest option for drivers in urban and suburban areas, while State Farm wins in rural areas.

For policyholders in urban ZIP codes, ACCC Insurance Company's average premiums are around 6% less than State Farm. People who live in suburban areas pay about 11% less with ACCC compared to State Farm. Those in rural areas can expect to save around 2% with State Farm compared to ACCC.

ACCC vs. State Farm Discounts

No matter why you might be in the market for a new 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 difficult to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts ACCC and State Farm offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

ACCC State Farm
ABS Discount 
Annual Mileage Discount 
Anti-Theft Discount
Claim Free Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
Drive Safe & Save Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Farm Discount 
Good Driving Discount
Good Student Discount
Goverment Employee Discount 
Homeowner Discount 
Liability Only Discount 
Low Income Discount 
Mature Driver Discount
Military Discount 

State Farm blows ACCC away when it comes to the sheer amount of discounts available, offering 23 different discounts to ACCC's 11.

There are a couple discounts both companies offer, but State Farm also offers discounts for ABS, annual mileage, defensive driver, 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.

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Final Thoughts: Is ACCC or State Farm Best for You?

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the right carrier for you and your specific driver profile?

ACCC might be best for you if....

  • You will be the only person on the insurance policy.
  • You have received a ticket within the last few years.
  • Your neighborhood is in the suburbs.

State Farm might be best for you if...

  • Your driving record contains an at-fault accident.
  • You live in a rural area.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

Hopefully, this guide helps you get a better idea of the difference between ACCC and State Farm. We also hope we've given you the information you need to make the best decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just ACCC and State Farm. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

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ACCC vs. State Farm FAQs

Is ACCC or State Farm cheaper?

ACCC is the less expensive of the two carriers when looking at national average premiums, with policies averaging $149 per month with ACCC and $158 for State Farm. That being said, that doesn't mean ACCC will be the most affordable carrier for everyone, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, ACCC or State Farm?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for every policyholder -- it all comes down to what your unique insurance profile looks like. For example, State Farm is cheaper for drivers with excellent credit, while ACCC offers less expensive rates for drivers with a recent DUI.

Why do ACCC and State Farm offer me different rates?

Auto insurance companies use quite a few different factors when calculating the prices they charge. Things such as gender, age, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both ACCC and State Farm calculate premiums using different variables, 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 a bunch of different carriers.

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

The only way to find the car 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, does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't ACCC or State Farm 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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