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

Quick Facts

• Based on national averages for car insurance, GEICO offers significantly cheaper premiums than Acuity
• GEICO has less expensive rates for policyholders who live in urban areas
• GEICO offers cheaper average premiums for drivers who have below-average credit

Acuity or GEICO: 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 large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Acuity or GEICO, but between the two, which carrier will offer you more affordable prices?

As you can see, GEICO is quite a bit cheaper than Acuity, with rates averaging $185 a month compared to $313 with Acuity when looking at the national average rates for insurance.

That being said, that doesn't mean GEICO will necessarily be less expensive than Acuity for every driver. Auto 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 quite a few other factors), you could see wildly different prices from the ones above.

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

Acuity vs. GEICO: Average Car Insurance Rates by State

Acuity and GEICO only compete against each other in two states, with GEICO offering cheaper rates to the average driver in all of them. Colorado has the most noticable difference, where GEICO prices are $233 less expensive than car insurance premiums at Acuity.

But there's more to calculating insurance rates than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group out there on the road. Generally, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 60% less per month by choosing GEICO over Acuity.

However, with both companies, you'll see your premiums decrease significantly once you turn 25. For example, average prices for Acuity policyholders lower around $500 and GEICO's rates drop more than $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 prices out there.

But who has the best premiums for retired drivers between Acuity and GEICO? GEICO gets the edge here, with average prices coming in at about $148 per month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more affordable for married drivers than they are for single drivers? This usually boils down to married couples having more than one vehicle on their policy -- something several car insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with GEICO premiums coming in at around half of Acuity's. The advantage for married policyholders with GEICO is also obvious, where drivers save over 20% a month.

Acuity or GEICO: Average Rates by Gender

Men normally pay more for insurance than women. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

With Acuity, men usually pay about $20 per month more than women, but with GEICO, the difference is closer to $8 a month.

When it comes to the cheapest prices for each gender, GEICO comes out on top for both men and women, with average rates 41% less for men and 40% cheaper for women.

Acuity vs. GEICO: 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, auto insurance can be pretty complicated. There are a range of 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 an accident.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage 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 a liability policy).

Looking specifically at state minimum liability limits, GEICO has the significant edge, with average monthly premiums coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging around $269 per month to Acuity's $454.

Is Acuity or GEICO Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their 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 collisions on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Acuity for their auto insurance can generally expect their monthly bill to go up about 29% after getting a speeding ticket. GEICO policyholders can expect a less drastic increase of around 23%.

But GEICO is usually the cheaper option for drivers both with a ticket and with a clean record -- their rates are around 50% more affordable for drivers with clean records and 54% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with Acuity increasing by about 33%. GEICO has a less extreme climb, but you can still expect to pay nearly 45% more than you were prior to your first accident.

At the end of the day, drivers who use GEICO end up with the cheaper prices after an accident, with average prices coming in at $200 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 car insurance bill. GEICO drivers usually see a 58% raise in their auto insurance premiums after a DUI charge, while Acuity will typically increase rates by around 36%.

How does Credit Score Impact Acuity and GEICO Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for lots of drivers.

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

So, which carrier offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on your monthly insurance bill. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in an accident and file an insurance claim.

GEICO tends to be the cheaper option for both remote workers and those taking short commutes. Acuity's average rates for drivers with 6,000 annual miles come in more than $100 more expensive than GEICO. Those who drive 12,000 miles yearly can expect to pay nearly $150 more with Acuity over GEICO.

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

Where you call home can play a pretty big role in how much you pay for car insurance. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads where they live.

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

For policyholders in urban ZIP codes, GEICO's average prices are about 44% less than Acuity Insurance. People who live in suburban areas pay around 41% less with GEICO compared to Acuity. Those in rural areas can expect to save about 37% with GEICO compared to Acuity.

Acuity vs. GEICO Discounts

No matter why you might be in the market for a new auto 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.

But with what seems like a million different discounts out there, it can be hard 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 GEICO offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

GEICO blows Acuity away when it comes to the sheer amount of discounts available, offering 28 different discounts to Acuity's nine.

There are a couple discounts both carriers offer, but GEICO also offers discounts for ABS, anti-theft, commercial drivers license, and more.

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

Final Thoughts: Is Acuity or GEICO Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each company offers, too. But, when it comes down to it, which carrier is the best one for you and your specific profile and needs?

GEICO might be best for you if....

• You will be the only person on the insurance policy.
• You want to save extra money with discounts.
• You've started working from home and don't have much of a commute.

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 GEICO and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Acuity and GEICO. 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 top auto insurance carriers in your area, all in just a few minutes.

Acuity vs. GEICO FAQs

Is Acuity or GEICO cheaper?

GEICO is the more affordable of the two companies when looking at national average rates, with policies averaging $185 a month with GEICO and $313 for Acuity. That being said, that doesn't mean GEICO will be the most affordable company for everyone, since there are several different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Acuity or GEICO?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all boils down to your unique insurance profile.

Why do Acuity and GEICO offer me different rates?

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

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Acuity or GEICO 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.