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

Want to know if Acuity or State Farm is the better choice for auto insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, State Farm offers significantly more affordable prices than Acuity
  • State Farm offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
  • State Farm may help you save more money -- they offer more discounts than Acuity Insurance


Acuity or State Farm: Which Company has the Cheapest Car Insurance?

So, you're considering switching to 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 State Farm as your top options, but which one will offer you less expensive premiums?

Acuity State Farm
$313$158

Looking at nationwide averages, State Farm has average rates that are around 50% a month cheaper than those from Acuity.

However, that doesn't necessarily mean State Farm will be the more affordable option for each driver. Car insurance carriers use tons of complex algorithms to determine prices, so depending on how old you are or how clean your driving record is (among a wide array of other factors), you could see wildly different rates from the ones above.

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

Acuity vs. State Farm: Average Car Insurance Rates by State

State Acuity State Farm
CO$382$124
WI$245$144

Acuity and State Farm only compete against each other in two states, with State Farm offering less expensive premiums to the average driver in all of them. Colorado has the most noticable difference, where State Farm rates are $258 cheaper than insurance premiums at Acuity.

That being said, there's a lot more that goes into your car insurance payment than just where you live. Continue reading to see how other variables will affect your rates.


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Which is the Best Company For Young Drivers?

Acuity State Farm
18-year-old drivers$970$353
25-year-old drivers$220$142

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use State Farm save over 65% per month compared to those who use Acuity.

That being said, both companies will offer you dramatically lower rates by the time you turn 25. State Farm offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Acuity's average prices decrease more than 75% during that same period.

Which is the Best Company for Retired Drivers?

Acuity State Farm
65+-year-old drivers$183$111

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

But who has the best prices for retired drivers between Acuity and State Farm? State Farm gets the edge, with rates for drivers 65 and older $72 less expensive than the national average for Acuity.

Which is the Best Company for Married Drivers?

Acuity State Farm
Single$403$183
Married$194$124

Married drivers tend to get slightly more affordable insurance premiums than single policyholders. That's because policies for married policyholders usually cover more than one vehicle, which quite a few carriers will give you a discount for.

For single drivers, the difference in average rates between these two companies is significant, with State Farm prices coming in at about half of Acuity's. For married couples, the advantage is clear again - State Farm has the edge when it comes to average premiums.

Acuity or State Farm: Average Rates by Gender

Acuity State Farm
Male$323$164
Female$304$152

Men are statistically more likely than women to get into accidents and get tickets. That means when it comes to auto insurance men will generally end up paying a little more.

Women normally pay around $20 a month less than men with Acuity, but with State Farm, the difference is closer to $12 per month.

When it comes to the lowest rates for each gender, State Farm comes out as the cheapest option for both genders. On average, women save about $152 a month and men save about $159 with State Farm compared to the average Acuity policyholder.


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Acuity vs. State Farm: Compare State Minimum vs. Full Coverage Rates

Acuity State Farm
State Minimum*$172$99
Full Coverage**$454$216

*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.

Car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, State Farm has the significant edge, with average monthly prices coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging around $216 per month to Acuity's $454.

Is Acuity or State Farm 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.

At-fault collisions and speeding tickets will most likely raise your premiums, but is Acuity or State Farm cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity State Farm
Clean Record$229$134
1 Speeding Ticket$323$155

Policyholders who use Acuity for their auto insurance can usually expect their monthly bill to go up about 29% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of around 14%.

But State Farm has more affordable rates for drivers in both categories. With State Farm, drivers with a clean record can save about $95 a month and drivers with a ticket can save around $168 per month.

Which Company is Best for Drivers After an Accident?

Acuity State Farm
Clean Record$229$134
1 At-Fault Accident$344$163

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Acuity climbing by about 33%. State Farm has a less extreme increase, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, the less expensive premiums come from State Farm, with average prices coming in at $163 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

Acuity State Farm
Clean Record$229$134
1 DUI$357$179

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. For example, Acuity increases average premiums by nearly $150 a month -- that's more than a 35% increase.


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How does Credit Score Impact Acuity and State Farm Rates?

Did you know many insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for several drivers.

Auto 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 specifically at State Farm and Acuity, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Acuity State Farm
Excellent Credit Score$262$80
Good Credit Score$287$105

Which Company is Best for Drivers with Bad Credit?

Acuity State Farm
Fair Credit Score$316$148
Poor Credit Score$389$300

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

Acuity State Farm
6,000 Annual Miles$297$151
12,000 Annual Miles$330$164

Did you know that the amount of time you spend in your car have a large impact on your monthly insurance cost? That's because the more milage you put on your car each year, the more likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, State Farm offers cheaper premiums than Acuity. Acuity average rates for drivers with 6,000 annual miles come in around $146 more expensive than State Farm. Those who drive 12,000 miles yearly can expect to pay about $166 more with Acuity over State Farm.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a substantial impact as well. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the roads where they live.

Acuity State Farm
Urban Areas$374$185
Suburban Areas$313$161
Rural Areas$253$127

State Farm tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around 50% with State Farm compared to Acuity. People who live in suburban areas pay about 49% less with State Farm compared to Acuity. For drivers in urban ZIP codes, State Farm's average premiums are around 51% less than Acuity Insurance.

Acuity vs. State Farm Discounts

No matter why you might be in the market for a new car 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 challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Acuity and State Farm so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Acuity State Farm
ABS Discount 
Annual Mileage Discount 
Anti-Theft Discount 
College Graduate Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Drive Safe & Save Discount 
Driver Training Discount 
DRL Discount 
Farm Discount 
Good Driving Discount
Good Student Discount
Goverment Employee Discount 
Group Discount 
Homeowner Discount 
Low Income Discount 
Mature Driver Discount 
Military Discount 

State Farm knocks Acuity out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Acuity's 23.

There are a couple discounts both carriers offer, but State Farm also offers discounts for ABS, annual mileage, anti-theft, 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.


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Final Thoughts: Is Acuity or State Farm Best for You?

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

State Farm might be best for you if....

  • You will be the only person on the car insurance policy.
  • You're looking for discounts -- State Farm has the most.
  • You're married and plan to have both of your names on the vehicle's auto insurance policy.


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 good idea of the differences between Acuity and State Farm. 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 several companies, not just Acuity and State Farm. Luckily, sites like Compare.com do 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.


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Acuity vs. State Farm FAQs

Is Acuity or State Farm cheaper?

State Farm is the less expensive of the two companies when looking at national average rates, with policies averaging $158 per month with State Farm and $313 for Acuity. Even so, that doesn't mean State Farm will be the lowest carrier for each driver, since there are a bunch of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Acuity or State Farm?

Unfortunately, the answer truly is "it depends.". No single company is "better" for every policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Acuity and State Farm offer me different rates?

Car insurance carriers use lots of different factors when calculating the prices they charge. Variables like age, gender, where you park your car, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and State Farm calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Acuity or State Farm 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.

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