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

Quick Facts

• Based on national averages for auto insurance, Farmers Union offers significantly cheaper premiums than Acuity
• Farmers Union offers more discounts than Acuity Insurance
• Farmers Union has less expensive rates for people who are single and purchasing car insurance by yourself

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

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

You might have narrowed your search down to Acuity or Farmers Union as your top options, but which one will offer you more affordable prices?

As you can see, Farmers Union is quite a bit cheaper than Acuity, with rates averaging $189 per month compared to $313 with Acuity when looking at the national average rates for auto insurance.

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

Luckily, we've broken down average prices from both Acuity and Farmers Union by several different rate factors, so read on to find out which company is the best for you.

Acuity or Farmers Union: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. That'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. As you can see above, teens who use Farmers Union save more than $500 a month compared to those who use Acuity.

However, both carriers will decrease prices by the time drivers turn 25. For example, average rates for Acuity policyholders drop over $500 and Farmers Union's prices reduce about $200 over that time.

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 lowest rates you can find.

When looking at Acuity and Farmers Union specifically, which carrier is best for retired drivers? Farmers Union gets the edge here, with average premiums coming in at around $148 a month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable car insurance prices than single policyholders. That's because policies for married drivers generally cover several cars, which lots of companies will offer you a discount for.

When it comes to relationship status, Farmers Union is the clear winner for single drivers, with rates about $187 per month less expensive than Acuity, on average. The advantage for married couples with Farmers Union is also obvious, where drivers save more than 20% a month.

Acuity vs. Farmers Union: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they run a larger risk of filing a claim with insurance. Therefore, men tend to pay more for insurance than women.

On average, men see premiums nearly $20 per month higher with Acuity, and around $10 with Farmers Union.

Looking at overall affordability, Farmers Union comes out as the most affordable option for both genders, with average rates 40% less for men and 39% cheaper for women.

Acuity or Farmers Union: 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. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Farmers Union typically offers significantly cheaper prices of $107 compared to Acuity's $172. When it comes to full coverage policies with similar limits, Farmers Union again has the edge, with policies about $200 a month less expensive than Acuity, on average.

Is Acuity or Farmers Union Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Accidents and tickets will most likely raise your rates, but is Acuity or Farmers Union more affordable 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 Farmers Union usually raises prices around $50 a month, on average.

That being said, Farmers Union is generally the cheaper option for drivers both with clean records and with a speeding ticket, offering premiums that are $91 and $135 less expensive, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Acuity drivers who get in a collision can expect to see their prices rise by over $100, while those who have insurance through Farmers Union will see about a $70 increase.

Overall, Farmers Union offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $207 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Acuity will increase your premiums around 36% after a DUI, while Farmers Union's average rates climb by just under 40%.

If you have a DUI on your record and are looking for more affordable prices, Farmers Union tends to be the much more affordable option with average premiums of $225 monthly compared to $357 from Acuity.

How does Credit Score Impact Acuity and Farmers Union Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of policyholders out there.

The reasoning insurance companies 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 typically be forced to pay more.

Looking at Acuity and Farmers Union specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Farmers Union. Drivers with "excellent" credit can save over 45% compared to Acuity, and those with "good" scores can also expect to see savings -- about $123 or 43% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Farmers Union typically offers lower prices than Acuity when it comes to drivers with bad credit. Drivers with "fair" credit pay around $126 per month less with Farmers Union compared to Acuity, and those with "poor" scores normally save an average of about $128 per month.

Is Acuity or Farmers Union 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 pretty big impact on your monthly rates? Usually, those who drive less will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers Union charges. However, there's a pretty significant difference in monthly premiums for Acuity, with policyholders who drive 6,000 miles yearly paying around $33 less every month compared to those who drive 12,000 miles annually. Still, Farmers Union is the less expensive option for drivers in both categories.

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

Where you live can have a considerable impact on your monthly car insurance bill. Generally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Farmers Union tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Farmers Union offers rates about $226 monthly compared to Acuity's $374. People who live in suburban ZIP codes can expect to pay around $172 a month for Farmers Union and $313 for Acuity. Lastly, those in rural areas tend to get the cheapest premiums from both carriers, with average monthly prices coming in at $170 and $253 for Farmers Union and Acuity respectively.

Acuity vs. Farmers Union Discounts

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

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

In the table below, we've taken a look at all of the different discounts Acuity and Farmers Union 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 Union has a slight advantage when it comes to total number of discounts. Acuity offers a grand total of nine discounts, while Farmers Union has 11.

A couple of those are overlapping for things like discounts for being a defensive driver, distant student discounts, and discounts for being a good student. Farmers Union also offers farm discounts, homeowner discounts, minor child 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, and COVID-19 relief discount.

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

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best fit for you?

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

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You're looking for more protection with "full coverage" car insurance.
• 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.

We hope this guide helps you get a better idea of the difference between Acuity and Farmers Union. We also hope we've given you the information you need to make the best 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 car insurance -- comparing quotes from a handful of companies, not just Acuity and Farmers Union. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Acuity vs. Farmers Union FAQs

Is Acuity or Farmers Union cheaper?

Looking just at the national average rates, Farmers Union is the cheaper of the two companies, offering average rates of $189 per month compared to $313 for Acuity. However, Farmers Union won't necessarily be the most affordable carrier for everyone, since there are a bunch of different variables that are considered when it comes to your insurance payment.

Who is better, Acuity or Farmers Union?

Unfortunately, the real answer is "it depends.". No single company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Acuity and Farmers Union offer me different rates?

Car insurance carriers take a look at several different factors when calculating the premiums they charge policyholders. Things like your driving record, where you park your car, gender, age, and sometimes even things like your credit score can all come into play. Both Acuity and Farmers Union calculate prices using different variables, 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 multiple different companies.

How do I know if Acuity or Farmers Union 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 Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Acuity or Farmers Union 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.