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

Quick Facts

• Based on national averages for auto insurance, Farmers Automobile offers significantly cheaper prices than Acuity
• Farmers Automobile tends to be a much more affordable option for policyholders who live in rural neighborhoods
• Farmers Automobile has less expensive rates for policyholders who live in suburban areas

Acuity or Farmers Automobile: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might have narrowed it down to Acuity or Farmers Automobile, but between the two, which company will save you the most?

As you can see, Farmers Automobile has average rates that are around 60% a month cheaper than those from Acuity when looking at the national average rates for car insurance.

That being said, that doesn't mean Farmers Automobile will necessarily be less expensive than Acuity for each driver. Insurance carriers use a ton of complex algorithms to determine premiums, so depending on where you live or how good your credit score is (among numerous other factors), you could see wildly different rates from the ones above.

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

Acuity vs. Farmers Automobile: Average Car Insurance Rates by State

Acuity and Farmers Automobile only compete against each other in one states, with Farmers Automobile offering more affordable rates to the average driver in all of them. Wisconsin has the most noticable difference, where Farmers Automobile premiums are $103 cheaper than auto insurance prices 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 auto insurance companies calculate your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Farmers Automobile save over 70% per month compared to those who use Acuity.

But both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Acuity policyholders decrease about $500 and Farmers Automobile's prices lower more than $150 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable insurance rates out there. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise premiums.

So, which company offers the best prices to retired drivers? Farmers Automobile gets the edge here, with average rates coming in at around $96 a month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually less expensive for married drivers than they are for those who are single? That's typically because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average premiums between these two companies is significant, with Farmers Automobile rates coming in at about a third of Acuity's. The advantage for married couples with Farmers Automobile is also obvious, where drivers save over 50% a month.

Acuity or Farmers Automobile: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance carriers will tend to offer women more affordable prices.

On average, women see premiums around 6% per month less with Acuity, but with Farmers Automobile, the difference is closer to 1% a month.

Looking at overall affordability, Farmers Automobile comes out on top for both men and women, with average prices 62% less for men and 60% cheaper for women.

Acuity vs. Farmers Automobile: 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 several 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.

However, the most common 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, in addition to liability).

Looking specifically at state minimum limits for liability insurance, Farmers Automobile has the significant edge, with average monthly premiums coming in at $75. If you want a full coverage policy with the same state minimum limits, Farmers Automobile again has the edge, with policies averaging about $170 per month to Acuity's $454.

Is Acuity or Farmers Automobile 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.

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

Which Company is Best for Drivers with Speeding Tickets?

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

But Farmers Automobile is usually the more affordable option for drivers both with a ticket and with a clean record. With Farmers Automobile Insurance Association, drivers with a clean record can save around $142 a month and drivers with a speeding ticket can save about $214 per month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Acuity can expect to see around an $115 -- or about 33% -- rise in their auto insurance premiums. Drivers who use Farmers Automobile for their insurance will see a monthly bill around $30 (or 26%) more expensive after reporting a collision to their car insurance carrier.

At the end of the day, the less expensive prices come from Farmers Automobile, with average rates coming in at $117 compared to Acuity Insurance's $344.

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 -- normally a lot more than an accident or ticket. On average, Acuity will increase your premiums about 36% after a DUI, while Farmers Automobile's average rates rise by more than 50%.

But if you end up with a DUI charge and are looking for more affordable prices, Farmers Automobile tends to be more affordable for the average driver, with monthly premiums coming in at around $178 to Acuity's $357.

How does Credit Score Impact Acuity and Farmers Automobile Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for quite a few drivers.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Acuity and Farmers Automobile specifically, which carrier has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Farmers Automobile will generally reward you the most. For drivers with "excellent" credit scores, Farmers Automobile comes in nearly 69.47 cheaper. Drivers with "good" credit scores usually save about 66% with Farmers Automobile compared to average premiums from Acuity.

Which Company is Best for Drivers with Bad Credit?

Farmers Automobile typically offers lower prices than Acuity when it comes to drivers with bad credit. Drivers with "fair" credit pay around 61% a month less with Farmers Automobile compared to Acuity, and those with "poor" scores normally save an average of about 51% monthly.

Is Acuity or Farmers Automobile Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly auto insurance bill. Typically, the more milage you drive, the more you can expect to pay for car insurance.

Farmers Automobile tends to be the more affordable option for both remote workers and those taking short commutes. Acuity's average rates for drivers with 6,000 annual miles come in nearly $200 more expensive than Farmers Automobile. Those who drive 12,000 miles annually can expect to pay just under $200 more with Acuity over Farmers Automobile.

Acuity or Farmers Automobile: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly insurance payment. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Farmers Automobile typically comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Farmers Automobile Insurance Association's average premiums are around 49% less than Acuity Insurance. People who live in suburban areas pay about 71% less with Farmers Automobile compared to Acuity. Those in rural areas can expect to save around 67% with Farmers Automobile compared to Acuity.

Acuity vs. Farmers Automobile 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 difficult to find all the ones you're eligible for 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 Acuity and Farmers Automobile offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Farmers Automobile comes out ahead with 11 discounts to Acuity's nine.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, group discounts, and discounts for insuring multiple cars with the same company -- but Farmers Automobile also offers discounts for advance quote, anti-theft, EFT, and more.

On the other hand, Acuity has a few proprietary discounts of their own for things like college graduate discounts, continuous insurance discounts, COVID-19 relief discount, and more.

Final Thoughts: Is Acuity or Farmers Automobile Best for You?

So, we've broken down the average rates for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, is Acuity or Farmers Automobile the right one for you and your specific needs?

Farmers Automobile might be best for you if....

• You will be the only person on the car insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You drive fewer than 12,000 miles each year.

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 Farmers Automobile and that it aids in making a more informed 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 companies, not just Acuity and Farmers Automobile. Luckily, Compare.com 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.

Acuity vs. Farmers Automobile FAQs

Is Acuity or Farmers Automobile cheaper?

Farmers Automobile is the less expensive of the two companies when looking at national average prices, with policies averaging $123 per month with Farmers Automobile and $313 for Acuity. Even so, that doesn't mean Farmers Automobile will be the most affordable carrier for everyone, since there are lots of different factors that come into play when it comes to your insurance cost.

Who is better, Acuity or Farmers Automobile?

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

Why do Acuity and Farmers Automobile offer me different rates?

Insurance carriers use lots of different variables when determining the rates they charge. Things like gender, age, where you park your vehicle, your driving record, and sometimes even things like your credit score can all come into play. Both Acuity and Farmers Automobile use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Acuity or Farmers Automobile 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, Compare.com does 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 cheapest rate. And maybe you'll find that the best carrier for you isn't Acuity or Farmers Automobile 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.