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

Looking for car insurance and wondering if Acuity or Imt is the right company for you? If so, you're probably wondering which carrier has the cheapest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next auto insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Imt offers significantly cheaper rates than Acuity
  • Imt offers more affordable premiums for residents of rural areas
  • Imt offers more affordable average rates for policyholders who drive a short distance to work everyday

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might be considering Acuity or Imt as potential options, but which company will save you the most?

Acuity Imt

As you can see, Imt is quite a bit cheaper than Acuity, with premiums averaging $109 per month compared to $313 with Acuity when looking at the national average rates for car insurance.

That being said, that doesn't necessarily mean Imt will be the less expensive option for every driver. Insurance companies vary their prices depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a ton of other factors, so rates will differ quite a bit from person to person.

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

Acuity or Imt: Average Car Insurance Rates by State

State Acuity Imt

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

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your rates. Read on to learn more.

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Which is the Best Company For Young Drivers?

Acuity Imt
18-year-old drivers$970$201
25-year-old drivers$220$108

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Imt save more than $500 a month compared to those who use Acuity.

But with both companies, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average rates for Acuity policyholders decrease over $500 and Imt's prices drop nearly $95 over that time.

Which is the Best Company for Retired Drivers?

Acuity Imt
65+-year-old drivers$183$82

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

So, which carrier offers the best prices to retired drivers? Imt gets the edge, with rates for drivers 65 and older more than 55% less expensive than the national average for Acuity.

Which is the Best Company for Married Drivers?

Acuity Imt

Married drivers tend to get slightly more affordable insurance prices than single drivers. That's because policies for married couples normally cover more than one car, which several carriers will offer you a discount for.

When it comes to relationship status, Imt is the clear winner for those who are single, with premiums about $279 per month less expensive than Acuity, on average. The advantage is also clear for married policyholders - Imt offers the lowest average rates.

Acuity vs. Imt: Average Rates by Gender

Acuity Imt

Because men are more likely to get speeding tickets and get into collisions, they have an increased chance of filing a claim with insurance. Therefore, men tend to get higher rates than women.

On average, women see prices around 6% a month less with Acuity, and about 10% less with Imt.

When it comes to the most affordable premiums for each gender, Imt offers the lowest average rates for both men and women. On average, male drivers save about $208 per month and women save around $201 with Imt compared to the average Acuity policyholder.

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Acuity or Imt: Compare State Minimum vs. Full Coverage Rates

Acuity Imt
State Minimum*$172$58
Full Coverage**$454$160

*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.

Auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Imt typically offers significantly cheaper premiums of $58 compared to Acuity's $172. When it comes to full coverage policies with similar limits, Imt again has the edge, with policies about $300 a month less expensive than Acuity, on average.

Is Acuity or Imt Better for Drivers with Spotty Records?

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

Collisions and tickets will most likely raise your rates, but is Acuity or Imt cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity Imt
Clean Record$229$76
1 Speeding Ticket$323$89

Acuity policyholders can expect their premiums to go up an average of $94 per month if they get a ticket, while Imt normally raises prices around $13 a month, on average.

However, Imt is generally the more affordable option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are 67% and 72% less expensive, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Acuity Imt
Clean Record$229$76
1 At-Fault Accident$344$134

After an accident, drivers who have their car insurance through Acuity can expect to see about an $115 -- or around 33% -- increase in their insurance prices. Drivers who use Imt for their auto insurance will see a monthly bill about $58 (or 43%) more expensive after reporting a collision to their car insurance company.

Overall, drivers who use Imt end up with the cheaper prices after an accident, with monthly rates averaging $134 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

Acuity Imt
Clean Record$229$76
1 DUI$357$135

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than an accident or ticket. On average, Acuity will raise your prices around 36% after a DUI, while Imt's average rates increase by just under 45%.

If you have a DUI on your record and are looking for more affordable premiums, Imt tends to be the much cheaper option with average prices of $135 a month compared to $357 from Acuity.

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How does Credit Score Impact Acuity and Imt Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly auto insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

The reasoning car insurance companies 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.

Looking at Acuity and Imt specifically, which carrier has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Acuity Imt
Excellent Credit Score$262$86
Good Credit Score$287$102

If you have a great credit score, you'll usually find a better deal with Imt. Policyholders with "excellent" credit can save over 65% compared to Acuity, and those with "good" scores can also expect to see savings -- about $185 or 64% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Acuity Imt
Fair Credit Score$316$108
Poor Credit Score$389$140

Imt typically offers lower premiums than Acuity when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $208 per month less with Imt compared to Acuity, and those with "poor" scores usually save an average of about $249 per month.

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

Acuity Imt
6,000 Annual Miles$297$109
12,000 Annual Miles$330$109

How much you drive can have a pretty big impact on your monthly auto insurance bill. Typically, the more miles you put on your vehicle each year, the more you can expect to pay for insurance.

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

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

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

Acuity Imt
Urban Areas$374$136
Suburban Areas$313$100
Rural Areas$253$90

Imt boasts the lowest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest prices from both carriers, but Imt comes out on top with average premiums about $90 monthly. Imt also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a $238 and $213 a month respective difference when compared to Acuity drivers in similar areas.

Acuity vs. Imt Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

Below, we've broken down all of the different discounts offered by both Acuity and Imt so that you can find the one that has the most discounts and, therefore, the biggest savings.

Acuity Imt
College Graduate Discount 
Commercial Product Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Minor Child Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paid In Full Discount 

Both companies offer excellent discounts like discounts for being a defensive driver, discounts for being a good student, and group discounts.

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Final Thoughts: Is Acuity or Imt Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Acuity or Imt the best carrier for you and your specific driver profile?

Imt might be best for you if....

  • You're single and purchasing car insurance by yourself.
  • You already have a great credit score.
  • You are over 65 years old and want to save some money on your insurance.

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 good idea of the differences between Acuity and Imt. We also hope we've given you the information you need to make the best decision when it comes to your car 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 multiple companies, not just Acuity and Imt. Luckily, makes it easy for you to do just that. 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.

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Acuity vs. Imt FAQs

Is Acuity or Imt cheaper?

Looking just at the national average premiums, Imt is the less expensive of the two companies, offering average rates of $109 per month compared to $313 for Acuity. But Imt won't necessarily be the most affordable carrier for everyone, since there are many different factors that come into play when it comes to your car insurance payment.

Who is better, Acuity or Imt?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for each driver -- it all depends on what your unique auto insurance profile looks like.

Why do Acuity and Imt offer me different rates?

Car insurance carriers take a look at quite a few different variables when calculating the rates they charge policyholders. Things such as age, where you live, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Acuity and Imt use different formulas, so each one will most likely offer different premiums. 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 Imt is right for me?

The only way to find the auto 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, does all the hard work for you. Just enter your area information 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 premium. And who knows, the best carrier for you might not be Acuity or Imt at all!


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.

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