Allstate vs. American Access Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• In general, Allstate offers significantly cheaper prices than American Access Casualty Company
• Allstate offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• American Access Casualty Company offers less expensive average premiums for policyholders who live in suburban areas

Allstate or American Access Casualty Company: 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 huge savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Allstate or American Access Casualty Company for your next policy, but between the two, which carrier will offer you more affordable prices?

Looking at nationwide averages, American Access Casualty Company has average rates that are around 30% a month more expensive than those from Allstate.

However, that doesn't necessarily mean Allstate will be the cheaper option for every single driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things), so rates could differ drastically from person to person.

Wanting to know if Allstate or American Access Casualty Company is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Allstate vs. American Access Casualty Company: Average Car Insurance Rates by State

Allstate and American Access Casualty Company only compete against each other in Nevada, where Allstate offers the cheaper average premiums. Allstate drivers tend to pay about $32 per month less on average compared to drivers who use American Access Casualty Company for their auto insurance.

There are plenty of other factors that go into your insurance cost than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. That's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Allstate for their auto insurance pay almost 40% less than those who use American Access Casualty Company. It's worth noting that Allstate offers insurance in 47 different states compared to American Access Casualty Company's one, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for Allstate policyholders reduce about $300 and American Access Casualty Company's premiums decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance prices you'll ever find. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can raise rates.

When looking at Allstate and American Access Casualty Company specifically, which carrier is best for retired drivers? Allstate gets the edge, with prices for drivers 65 and older over 20% more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are usually less expensive for married couples than they are for those who are single? That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Allstate rates coming in at a third less than American Access Casualty Company's. The advantage for married drivers with Allstate is also obvious, where drivers save more than 20% a month.

Allstate or American Access Casualty Company: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women tend to pay less for auto insurance than men.

Women typically pay about 4% per month less than men with Allstate, but with American Access Casualty Company, the difference is closer to 10% a month.

Looking at overall affordability, Allstate comes out on top for both men and women. On average, male drivers save about $90 per month and women save around $71 with Allstate compared to the average American Access Casualty Company policyholder.

Allstate vs. American Access Casualty Company: 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 car insurance can be pretty complicated. There are a bunch of different coverages that account for multiple 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.

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

Looking specifically at state minimum liability insurance, Allstate has the significant edge, with average monthly prices coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging about $289 a month to American Access Casualty Company's $359.

Is Allstate or American Access Casualty Company Better for Drivers with Spotty Records?

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

It's no secret secret that collisions and speeding tickets lead to higher prices, but which company -- Allstate or American Access Casualty Company -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their insurance can usually expect their monthly bill to go up around 15% after getting a speeding ticket. American Access Casualty Company policyholders can expect a less drastic increase of about 9%.

That being said, Allstate tends to offer the best prices for drivers both with clean records and with a ticket, offering premiums that are 34% and 30% more affordable, respectively, compared to American Access Casualty Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allstate can expect to see around an $73 -- or about 32% -- rise in their auto insurance rates. Drivers who use American Access Casualty Company for their insurance will see a monthly bill around $95 (or 29%) more expensive after reporting a collision to their car insurance carrier.

At the end of the day, the less expensive premiums come from Allstate, with average prices coming in at $229 compared to American Access Casualty Company's $332.

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 insurance bill -- normally a lot more than an accident or speeding ticket. Allstate drivers usually see a 31% climb in their car insurance premiums after a DUI charge, while American Access Casualty Company will generally increase rates by about 18%.

Allstate has the overall lowest prices for drivers with a DUI on their records at $227 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for American Access Casualty Company, so the data may be skewed slightly.

How does Credit Score Impact Allstate and American Access Casualty Company Rates?

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

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper rates.

So, which company offers the cheapest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Allstate will typically reward you the most. For policyholders with "excellent" credit scores, Allstate comes in nearly 48.03 more affordable. Drivers with "good" credit scores normally save around 38% with Allstate compared to average rates from American Access Casualty Company.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower prices than American Access Casualty Company when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 27% per month less with Allstate compared to American Access Casualty Company, and those with "poor" scores usually save an average of around 1% per month.

Is Allstate or American Access Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on how much insurance companies will charge for coverage. Generally, those who drive less will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Access Casualty Company charges. However, there's a small difference in monthly rates for Allstate, with drivers who put 6,000 miles on their car annually paying about $3 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Allstate is the cheaper carrier.

Allstate or American Access Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

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

When comparing these two carriers side-by-side, Allstate boasts the lowest average premiums in rural and urban areas, while American Access Casualty Company wins in suburban areas.

If you live in a rural area, you can expect to pay around $174 monthly with Allstate and $282 with American Access Casualty Company. Drivers in suburban ZIP codes pay a monthly price of about $145 with American Access Casualty Company compared to $199 with Allstate. For drivers in urban ZIP codes, Allstate's average prices are around $222 while American Access Casualty Company offers premiums about $411.

Allstate vs. American Access Casualty Company 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 utilizing as many auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allstate and American Access Casualty Company so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Allstate blows American Access Casualty Company away when it comes to the sheer amount of discounts available, offering 40 different discounts to American Access Casualty Company's six.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and passive restraint discounts. Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

American Access Casualty Company's discounts come through just a few categories, including Defensive Driver, Good Driving, Multi-Car, and more.

Final Thoughts: Is Allstate or American Access Casualty Company Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Allstate or American Access Casualty Company the best one for you, your vehicle, and your wallet?

Allstate might be best for you if....

• You have a clean record.
• You have above-average credit.
• You live in a rural area.

American Access Casualty Company might be best for you if...

• You like the personalized touch of a small, regional carrier.
• Your neighborhood is in the suburbs.

Hopefully, this guide helps you get a better idea of the difference between Allstate and American Access Casualty Company and that it aids in making a more informed decision about your auto 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 insurance -- comparing quotes from several companies, not just Allstate and American Access Casualty Company. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Allstate vs. American Access Casualty Company FAQs

Is Allstate or American Access Casualty Company cheaper?

Allstate is the less expensive of the two companies when looking at national average rates, with policies averaging $199 a month with Allstate and $279 for American Access Casualty Company. But that doesn't mean Allstate will be the most affordable company for every policyholder, since there are a variety of different factors that come into play when it comes to your car insurance payment.

Who is better, Allstate or American Access Casualty Company?

Unfortunately, the answer truly is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Allstate and American Access Casualty Company offer me different rates?

Auto insurance carriers use quite a few different variables when calculating the premiums they charge. Things such as age, gender, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and American Access Casualty Company calculate prices using different factors, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different companies.

How do I know if Allstate or American Access Casualty Company is right for me?

The only way to find the car insurance carrier 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, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Allstate or American Access Casualty Company 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.