Acuity vs. American National: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, American National offers significantly more affordable premiums than Acuity
• American National tends to be a much cheaper option for drivers with a DUI
• American National offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs

Acuity or American National: 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 hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Acuity or American National, but which carrier has less expensive premiums for car insurance?

Looking at nationwide averages, American National has average rates that are around 70% a month cheaper than those from Acuity.

Even so, American National may not be the cheapest or best option for every driver out there. Auto insurance carriers use a ton of complex algorithms to determine rates, so depending on how good your credit score is or how old you are (among several other factors), you could see wildly different prices from the ones above.

Wanting to know if Acuity or American National is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Acuity vs. American National: Average Car Insurance Rates by State

Acuity and American National only compete against each other in one states, with American National offering less expensive premiums to the average driver in all of them. Colorado has the most noticable difference, where American National prices are $295 more affordable than insurance premiums at Acuity.

There's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers 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.

However, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use American National save over 80% per month compared to those who use Acuity.

That being said, both companies will drop prices once you turn 25. For example, average rates for Acuity policyholders decrease more than 75% and American National's prices reduce over 60% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? American National gets the edge here, with average premiums coming in at about $66 per month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally less expensive for married drivers than they are for those who are single? That's normally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with American National premiums coming in at around a quarter of Acuity's. For married policyholders, the advantage is clear again - American National has the edge when it comes to average rates.

Acuity or American National: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they run a lower risk of filing a claim with insurance. So, women tend to pay less for auto insurance than men.

Usually, men see premiums about $20 a month higher with Acuity, but with American National, the difference is closer to $1 per month.

Looking at overall affordability, American National comes out on top for both men and women. On average, women save about $217 a month and men save around $235 with American National compared to the average Acuity policyholder.

Acuity vs. American National: 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 isn't the easiest topic to understand. There are many different coverages that account for several 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 most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries 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 insurance, American National has the significant edge, with average monthly rates coming in at $52. If you want a full coverage policy with the same state minimum limits, American National again has the edge, with policies averaging about $123 per month to Acuity's $454.

Is Acuity or American National 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Acuity for their car insurance can typically expect their monthly bill to go up around 29% after getting a speeding ticket. American National policyholders can expect a less drastic increase of about 20%.

However, American National tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering rates that are 71% and 74% more affordable, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Acuity increasing by around 33%. American National has a less extreme raise, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, drivers who use American National end up with the cheaper prices after an accident, with average prices coming in at $95 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. For example, Acuity increases average rates by nearly $150 a month -- that's more than a 35% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, American National tends to be cheaper for the average driver, with monthly premiums coming in at about $104 to Acuity's $357.

How does Credit Score Impact Acuity and American National Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly auto insurance prices. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it might come into play for quite a few drivers.

Car 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 less expensive rates.

Looking at Acuity and American National specifically, which company has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, American National will usually reward you the most. For policyholders with "excellent" credit scores, American National comes in over 80.53 more affordable. Drivers with "good" credit scores normally save around 77% with American National compared to average premiums from Acuity.

Which Company is Best for Drivers with Bad Credit?

American National typically offers lower rates than Acuity when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 73% per month less with American National compared to Acuity, and those with "poor" scores usually save an average of around 62% monthly.

Is Acuity or American National Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Typically, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

American National tends to be the more affordable option for both remote workers and those taking short commutes. American National's average rates for drivers with 6,000 annual miles come in about 72% cheaper than Acuity. Those who drive 12,000 miles annually can expect to pay around 72% less with American National over Acuity.

Acuity or American National: 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 auto insurance, but the type of area you live in can have a sizable impact as well. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the road where they live, which reduces the chances of an accident.

When comparing these two companies side-by-side, American National usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, American National's average premiums are about $104 a month compared to Acuity's $374. People in suburban areas pay around $85 with American National compared to Acuity's $313 a month. If you live in a rural area, you can expect to pay about $73 monthly with American National compared to Acuity's $253.

Acuity vs. American National 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 taking advantage of as many insurance discounts as possible.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Acuity and American National offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Overall, American National comes out ahead with 14 discounts to Acuity's nine.

There are a couple discounts both carriers offer, but American National also offers discounts for anti-theft, claim free, driver training, and more.

On the other hand, Acuity has a few proprietary discounts of their own for things like college graduate discounts, continuous insurance discounts, and good driving discounts.

Final Thoughts: Is Acuity or American National Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right company for you and your specific driver profile?

American National might be best for you if....

• You have a speeding ticket on your driving record.
• You live in an urban area.
• You live in a rural area.

Acuity might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Acuity and American National. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 Acuity and American National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Acuity vs. American National FAQs

Is Acuity or American National cheaper?

American National is the less expensive of the two companies when looking at national average premiums, with policies averaging $87 per month with American National and $313 for Acuity. But that doesn't mean American National will be the cheapest company for everyone, since there are a range of different factors that are considered when it comes to your auto insurance bill.

Who is better, Acuity or American National?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Acuity and American National offer me different rates?

Car insurance carriers use many different variables when determining the rates they charge. Factors such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both Acuity and American National calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Acuity or American National is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Acuity or American National 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.