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

Want to know if Accc or Travelers is the better choice for insurance? You're probably wondering which carrier offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Looking at the national averages for auto insurance, Accc offers less expensive premiums than Travelers
  • Accc has more affordable rates for policyholders who live in urban areas
  • Travelers may help you save more money -- they offer more discounts than ACCC Insurance Company

Accc or Travelers: 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 big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Accc or Travelers, but between the two, which one will save you the most?

Accc Travelers

Looking at the national average rates for both carriers, Travelers has average rates that are around 11% a month more expensive than those from Accc.

But that doesn't necessarily mean Accc will be the cheaper option for every driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your driving record, or even your credit score (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Accc vs. Travelers: Average Car Insurance Rates by State

State Accc Travelers

Accc and Travelers only compete against each other in one states, with Travelers offering less expensive rates to the average driver in all of them. Arizona has the most noticable difference, where Travelers prices are $16 more affordable than auto insurance rates at Accc.

There are plenty of other factors that go into your car insurance cost than just your home state. Keep reading to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Accc Travelers
18-year-old drivers$278$353
25-year-old drivers$152$141

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Accc for their car insurance pay 20% less than those who use Travelers.

That being said, both carriers will offer you dramatically lower rates once you turn 25. Travelers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Accc's average premiums drop over 45% during that same period.

Which is the Best Company for Retired Drivers?

Accc Travelers
65+-year-old drivers$112$132

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

So, which company offers the best premiums to retired drivers? Accc gets the edge, with prices for drivers 65 and older more than 15% cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

Accc Travelers

Married policyholders tend to get slightly less expensive auto insurance rates than single policyholders. That's because policies for married couples generally cover several vehicles, which many companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is significant, with Accc premiums coming in at about 10% less than Travelers's. But for married drivers, that advantage is much less clear - Accc offers the lowest average rates.

Accc or Travelers: Average Rates by Gender

Accc Travelers

Men normally pay more for car insurance than women. That's because men are more likely to get into collisions and get tickets, which raises the chances of filing a claim with insurance.

Men usually pay around 2% more per month than women with Accc, but with Travelers, the difference is closer to 6% a month.

When it comes to the most affordable prices for each gender, Accc comes out as the lowest option for both genders. On average, male drivers save about $22 per month and women save about $14 with Accc compared to the average Travelers policyholder.

Find your best rate in just a few minutes

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

Accc Travelers
State Minimum*$95$108
Full Coverage**$202$225

*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 isn't the easiest topic to understand. 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 that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, 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 around $202 a month to Travelers's $225.

Is Accc or Travelers Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums 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 collisions and speeding tickets on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Accc Travelers
Clean Record$126$128
1 Speeding Ticket$148$160

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

Even so, Accc tends to offer the best prices for both drivers who have clean records and those with a recent ticket. With ACCC Insurance Company, drivers with a clean record can save about $2 per month and drivers with a speeding ticket can save around $12 a month.

Which Company is Best for Drivers After an Accident?

Accc Travelers
Clean Record$126$128
1 At-Fault Accident$181$173

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 Travelers for their auto insurance will see a monthly bill about $45 (or 26%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, the more affordable prices come from Travelers, with average rates coming in at $173 compared to ACCC Insurance Company's $181.

Which Company is Best for Drivers with a DUI?

Accc Travelers
Clean Record$126$128
1 DUI$140$205

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Travelers drivers usually see a 38% climb in their car insurance prices after a DUI charge, while Accc will typically raise premiums by around 10%.

Find your best rate in just a few minutes

How does Credit Score Impact Accc and Travelers Rates?

Often times, your credit score can be used as one of the variables to determine your monthly insurance rates. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for several drivers.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper prices.

Looking at Accc and Travelers specifically, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Accc Travelers
Excellent Credit Score$106$119
Good Credit Score$125$142

Which Company is Best for Drivers with Bad Credit?

Accc Travelers
Fair Credit Score$153$173
Poor Credit Score$211$231

Find your best rate in just a few minutes

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

Accc Travelers
6,000 Annual Miles$149$164
12,000 Annual Miles$149$169

Did you know that the amount of time you spend in your car have a considerable impact on your monthly car insurance payment? That's because the more milage you put on your vehicle, the more likely you are to be in an accident and file an insurance claim.

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 Travelers, with policyholders who drive the least paying about $5 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Accc is the less expensive company.

Accc or Travelers: 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 insurance, but the type of area you live in can have a large impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Accc Travelers
Urban Areas$173$204
Suburban Areas$143$160
Rural Areas$130$136

Accc tends to offer the most affordable prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $130 monthly with Accc and $136 with Travelers. Drivers in suburban ZIP codes pay a monthly rate of about $143 with Accc compared to $160 with Travelers. For drivers in urban ZIP codes, Accc's average premiums are around $173 while Travelers offers rates about $204.

Accc vs. Travelers 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 auto insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the company 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 compared all of the different discounts offered by Accc and Travelers so that you can find the company that has the most discounts and, therefore, the largest savings.

Accc Travelers
ABS Discount 
Advance Quote Discount 
Alternative Fuel Discount 
Anti-Theft Discount
Claim Free Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Diminution of Value Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount
Electric Vehicle Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Liability Only Discount 

Travelers blows Accc away when it comes to the sheer amount of discounts available, offering 14 more discounts than Accc.

A couple of those are overlapping for things like anti-theft discounts, EFT discounts, and discounts for being a good student. Travelers also offers discounts for ABS, advance quote, alternative fuel, 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, liability only discounts, and more.

Find your best rate in just a few minutes

Final Thoughts: Is Accc or Travelers 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. That's all well and good, but when it comes down to it, which insurance company is the best fit for you?

Accc might be best for you if....

  • You will be the only person on the auto insurance policy.
  • You already have a great credit score.
  • You live in a rural neighborhood.

Travelers might be best for you if...

  • You value the experience that comes with a large national insurance carrier.
  • You want to save money on your car insurance after a collision.
  • You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Accc and Travelers. We also hope we've given you the information you need to make the best decision about 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 a handful of companies, not just Accc and Travelers. Luckily, makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Find your best rate in just a few minutes

Accc vs. Travelers FAQs

Is Accc or Travelers cheaper?

Accc is the cheaper of the two companies when looking at national average premiums, with policies averaging $149 per month with Accc and $167 for Travelers. However, that doesn't mean Accc will be the lowest carrier for everyone, since there are lots of different variables that are considered when it comes to your insurance bill.

Who is better, Accc or Travelers?

Unfortunately, the answer truly is "it depends.". One company is not "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Accc is more affordable for drivers who have less-than-stellar credit scores, while Travelers offers cheaper rates for policyholders with an at-fault collision on their record.

Why do Accc and Travelers offer me different rates?

Insurance carriers use a lot of different factors when determining the prices they charge. Things such as where you call home, gender, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Accc and Travelers calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your ZIP code 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 best price. And maybe you'll find that the best carrier for you isn't Accc or Travelers 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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes