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

Quick Facts

• Based on national averages for auto insurance, Accc offers significantly less expensive rates than The General
• Accc has cheaper premiums for policyholders who haven't received any speeding tickets or been in a collision in the last few years
• Accc tends to be a much more affordable option for drivers with a DUI

Accc or The General: 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 big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Accc or The General as your top options, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, The General has average rates that are around 40% a month more expensive than those from Accc.

But that doesn't necessarily mean Accc will be the cheaper option for every single driver. Car insurance companies vary their rates 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 variety of other factors. So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

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

Accc vs. The General: Average Car Insurance Rates by State

Accc and The General only compete against each other in two states, with Accc offering less expensive prices to the average driver in all of them. Arizona has the most noticable difference, where Accc premiums are $95 more affordable than insurance rates at The General.

But there's more to calculating auto insurance prices than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group out there on the road. Usually, 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Accc save over 40% per month compared to those who use The General.

However, both carriers will offer you dramatically lower prices by the time drivers turn 25. The General offers the steepest decrease, with 25-year-olds paying less than half 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?

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

But who has the best prices for retired drivers between Accc and The General? Accc gets the edge here, with average rates coming in at about $112 a month compared to The General's $195.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married policyholders. That's because policies for married couples normally cover more than one vehicle, which several companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Accc rates coming in at around 40% less than The General's. For married drivers, the advantage is clear again - Accc has the edge when it comes to average premiums.

Accc or The General: Average Rates by Gender

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

Usually, women see rates about 2% a month less with Accc, and more than 10% less with The General when compared to their male counterparts.

Looking at overall affordability, Accc comes out on top for both men and women. On average, women save about $78 per month and men save around $107 with Accc compared to the average The General policyholder.

Accc vs. The General: 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, auto insurance isn't the easiest topic to understand. There are several different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Accc has the significant edge, with average monthly premiums 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 The General's $329.

Is Accc or The General 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.

At-fault accidents and speeding tickets will most likely raise your prices, but is Accc or The General less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Accc for their insurance can typically expect their monthly bill to go up around 15% after getting a speeding ticket. The General policyholders can expect a bit more drastic of an increase of about 20%.

That being said, Accc has more affordable rates for drivers in both categories -- their rates are around 34% cheaper for drivers with clean records and 38% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Accc can expect to see around an $55 -- or about 30% -- rise in their auto insurance premiums. Drivers who use The General for their insurance will see a monthly bill around $87 (or 31%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, Accc offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $181 compared to The General's $279.

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 auto insurance bill -- generally a lot more than a collision or ticket. The General drivers usually see a 24% increase in their insurance rates after a DUI charge, while Accc will typically climb prices by about 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 around $140 to The General's $254.

How does Credit Score Impact Accc and The General Rates?

Did you know many car insurance companies take your credit score into account when determining prices? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for many drivers.

The reasoning auto insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Accc will usually reward you the most. For policyholders with "excellent" credit scores, Accc comes in nearly 39.77 less expensive. Drivers with "good" credit scores typically save about 42% with Accc compared to average rates from The General.

Which Company is Best for Drivers with Bad Credit?

Accc typically offers lower premiums than The General when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 38% per month less with Accc compared to The General, and those with "poor" scores generally save an average of about 35% per month.

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

How much you drive can have a substantial impact on your monthly rates. Usually, those who drive fewer miles will end up with cheaper prices since there's less of a chance of causing an accident and filing an insurance claim.

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

Accc or The General: 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 car insurance, but the type of area you live in can have a big impact as well. Normally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

When comparing these two carriers side-by-side, Accc generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, ACCC Insurance Company's average premiums are around 44% less than The General. People who live in suburban areas pay about 36% less with Accc compared to The General. Those in rural areas can expect to save around 31% with Accc compared to The General.

Accc vs. The General 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, and the best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Accc and The General offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Overall, Accc comes out ahead with 11 discounts to The General's six.

A couple of those are overlapping for things like liability only discounts and paid in full discounts. Accc also offers discounts for anti-theft, claim free, diminution of value, and more.

On the other hand, The General has a few proprietary discounts of their own for things like defensive driver discounts, group discounts, homeowner discounts, and more.

Final Thoughts: Is Accc or The General Best for You?

So, we've broken down the average rates for many of the variables car insurance companies 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 insurance carrier is the best carrier for you, your vehicle, and your wallet?

Accc might be best for you if....

• You have a speeding ticket on your driving record.
• Your home is located in the suburbs.
• You live in a rural area.

The General 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 The General. We also hope we've given you the information you need to make the best decision about your auto 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 insurance -- comparing quotes from a handful of carriers, not just Accc and The General. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Accc vs. The General FAQs

Is Accc or The General cheaper?

Accc is the more affordable of the two carriers when looking at national average prices, with policies averaging $149 per month with Accc and $241 for The General. But that doesn't mean Accc will be the cheapest company for each policyholder, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Accc or The General?

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

Why do Accc and The General offer me different rates?

Insurance companies use a lot of different variables when calculating the premiums they charge. Factors like where you call home, where you park your car, age, gender, and sometimes even things like your credit score can all be used. Both Accc and The General use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the car 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, sites like Compare.com 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 insurance carriers for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't Accc or The General 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.