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

Quick Facts

• Looking at the national averages for car insurance, Esurance offers slightly cheaper rates than Acuity
• Acuity tends to be a much less expensive option for residents of urban areas
• Esurance has cheaper prices for drivers who have received a ticket within the last few years

Acuity vs. Esurance: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering substantial discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Acuity or Esurance as potential options, but which carrier has less expensive rates for auto insurance?

As you can see, Esurance is about $14 per month more affordable than Acuity when looking at the national average rates for insurance.

However, that doesn't necessarily mean Esurance will be the less expensive option for every driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so prices could change drastically from person to person.

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

Acuity or Esurance: Average Car Insurance Rates by State

Acuity and Esurance only compete against each other in one states, with Esurance offering cheaper prices to the average driver in all of them. Colorado has the most noticable difference, where Esurance rates are over 70% more affordable than auto insurance premiums at Acuity.

But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your prices. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 more than $250 less a month by choosing Esurance over Acuity.

Even so, with both companies, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average prices for Acuity policyholders lower over $500 and Esurance's rates drop nearly $500 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Acuity gets the edge, with premiums for drivers 65 and older more than 20% less expensive than the national average for Esurance.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper car insurance rates than single drivers. That's normally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Esurance is the clear winner for single policyholders, with prices around $42 per month more affordable than Acuity, on average. The advantage is also clear for married policyholders - Acuity offers the cheapest average premiums.

Acuity vs. Esurance: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into collisions, which means they'll typically end up paying more for insurance than women.

On average, women see rates about 6% a month less with Acuity, and around 7% less with Esurance.

When it comes to the lowest premiums for each gender, Esurance offers the cheapest average prices for both men and women, with average premiums 4% less for men and 5% cheaper for women.

Acuity or Esurance: 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.

It's no secret that auto insurance can be pretty complicated. There are a variety of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

In this case, Acuity offers the most affordable average prices for state minimum liability limits, while Esurance has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with Acuity Insurance, while full coverage comes out to be about $60 less expensive with Esurance.

Is Acuity or Esurance Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your rates, but is Acuity or Esurance cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity policyholders can expect their premiums to go up an average of $94 per month if they get a ticket, while Esurance generally raises rates around $45 a month, on average.

If you have a clean record, Acuity tends to offer the best prices at about 5% more affordable, while Esurance has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Acuity can expect to see around an $115 -- or about 33% -- increase in their insurance premiums. Drivers who use Esurance for their auto insurance will see a monthly bill around $122 (or 34%) more expensive after reporting an accident to their insurance carrier.

Overall, drivers who use Acuity end up with the cheaper prices after an accident, with monthly rates averaging $344 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Acuity drivers usually see a 36% raise in their auto insurance prices after a DUI charge, while Esurance will typically increase premiums by about 20%.

How does Credit Score Impact Acuity and Esurance Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

Looking specifically at Acuity and Esurance, which one has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Acuity or Esurance 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 considerable impact on how much insurance companies will charge for coverage? Normally, the more miles you put on your car each year, the more you can expect to pay for auto insurance.

Looking specifically at Acuity and Esurance, Acuity is the less expensive option for people who work from home, while Acuity has better rates for those with short commutes. Esurance's average prices for drivers with 6,000 annual miles come in $1 more expensive than Acuity. Those who drive 12,000 miles every year can expect to pay over $30 more with Acuity over Esurance.

Acuity vs. Esurance: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a pretty big role in how much you pay for car insurance. Generally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

When comparing these two carriers side-by-side, Esurance tends to offer the lowest option for drivers in rural and suburban areas, while Acuity wins in urban areas.

If you live in a rural area, you can expect to save around 17% with Esurance compared to Acuity. Drivers in suburban ZIP codes pay about 8% less with Esurance compared to Acuity. In urban areas, Acuity Insurance's average rates are around 6% less than Esurance.

Acuity vs. Esurance Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many insurance discounts as you can.

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

In the section below, we've broken down all of the different discounts offered by both Acuity and Esurance so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Esurance blows Acuity away when it comes to the sheer amount of discounts available, offering 24 different discounts to Acuity's nine.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and discounts for insuring multiple cars with the same company. Esurance also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Acuity does not.

On the flip side, Acuity has a couple unique discounts of its own -- discounts for graduating college, continuous insurance discounts, COVID-19 relief discount, and more.

Final Thoughts: Is Acuity or Esurance Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, is Acuity or Esurance the right carrier for you and your specific needs?

Esurance might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• Your neighborhood is in a rural area.

Acuity might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles annually.

We hope this guide helps you get a good idea of the differences between Acuity and Esurance. We also hope we've given you the information you need to make the best decision when it comes to 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 car insurance -- comparing quotes from multiple companies, not just Acuity and Esurance. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Acuity vs. Esurance FAQs

Is Acuity or Esurance cheaper?

Looking just at the national average prices, Esurance is the cheaper of the two companies, offering average rates of $299 per month compared to $313 for Acuity. But Esurance won't necessarily be the most affordable carrier for each policyholder, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Acuity or Esurance?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Esurance offers more affordable rates for single policyholders, while Acuity is cheaper for drivers who have already retired.

Why do Acuity and Esurance offer me different rates?

Insurance carriers take a look at many different variables when calculating the premiums they charge drivers. Things such as where you call home, gender, where you park your car, age, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Esurance calculate prices differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several carriers 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Acuity or Esurance at all!

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.