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

Quick Facts

• Looking at the national averages for insurance, American Family offers significantly less expensive premiums than American Access Casualty Company
• American Family has more affordable prices for drivers who have less-than-stellar credit
• American Family tends to be a much less expensive option for residents of urban areas

American Access Casualty Company vs. American Family: 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 huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to American Access Casualty Company or American Family as potential options, but between the two, which company has more affordable premiums for auto insurance?

As you can see, American Family has average rates that are about 50% per month cheaper than those from American Access Casualty Company when looking at the national average rates for insurance.

That being said, American Family may not be the lowest or best option for every single driver out there. Auto insurance companies use a ton of complex algorithms to calculate rates, so depending on how good your credit score is or where you live (among multiple other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of American Access Casualty Company or American Family is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

American Access Casualty Company or American Family: Average Car Insurance Rates by State

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But there's more to calculating auto insurance rates than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any group out there on the road. That's generally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of more than $400 less a month by choosing American Family over American Access Casualty Company.

Even so, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average premiums for American Access Casualty Company policyholders reduce nearly 70% and American Family's prices decrease over 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance rates you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase premiums.

But who has the best prices for retired drivers between American Access Casualty Company and American Family? American Family gets the edge, with rates for drivers 65 and older $89 more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are normally more expensive for single policyholders than they are for married couples? That's typically because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, American Family is the clear winner for single drivers, with premiums around $177 per month less expensive than American Access Casualty Company, on average. The advantage is also clear for married drivers - American Family offers the most affordable average rates.

American Access Casualty Company vs. American Family: Average Rates by Gender

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

On average, men see premiums almost 10% a month higher with American Access Casualty Company, while with American Family, the difference is closer to 3% per month.

Looking at the data for each company specifically, American Family comes out as the cheapest option for both genders. On average, male drivers save about $150 a month and women save about $127 with American Family compared to the average American Access Casualty Company policyholder.

American Access Casualty Company or American Family: 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. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common 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 generally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, American Family normally offers significantly cheaper rates of $96 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, American Family again has the edge, with policies around $150 per month more affordable than American Access Casualty Company, on average.

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

You've probably seen plenty of commercials from car 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.

It's no secret secret that collisions and tickets lead to higher rates, but which carrier -- American Access Casualty Company or American Family -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their premiums to go up an average of $23 a month if they get a ticket, while American Family generally raises rates about $29 per month, on average.

However, American Family tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering prices that are $119 and $113 cheaper, respectively, compared to American Access Casualty Company.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company drivers who get in a collision can expect to see their premiums rise by $95, while those who have insurance through American Family will see around a $20 increase.

Overall, drivers who use American Family end up with the cheaper prices after an accident, with monthly prices averaging $138 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 auto insurance bill -- typically a lot more than an accident or ticket. American Access Casualty Company drivers usually see a 18% climb in their insurance rates after a DUI charge, while American Family will usually raise premiums by about 25%.

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

Did you know that many car insurance carriers take your credit score into account when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect lots of policyholders out there.

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

Looking specifically at American Family and American Access Casualty Company, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance bill. That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause 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 prices for American Family, with drivers who put 6,000 miles on their car yearly paying around $5 less each month compared to those who drive 12,000 miles every year. Still, American Family is the less expensive option for drivers in both categories.

American Access Casualty Company vs. American Family: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for car insurance. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

American Family tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $121 a month with American Family compared to American Access Casualty Company's $282. People in suburban areas pay around $134 with American Family compared to American Access Casualty Company's $145 per month. For drivers in urban ZIP codes, American Family's average rates are about $166 a month compared to American Access Casualty Company's $411.

American Access Casualty Company vs. American Family Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've broken down all of the different discounts offered by both American Access Casualty Company and American Family so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

American Family knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than American Access Casualty Company.

Both companies offer several of the same discounts -- like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and renewal discounts -- but American Family also offers advance quote discounts, anti-theft discounts, connect partner discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a couple unique discounts of its own -- discounts for being a good driver, passive restraint discounts, and prior insurance discounts.

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

You've seen the role certain factors have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right fit for you?

American Family might be best for you if....

• You're single and purchasing car insurance by yourself.
• You're looking for the company with the most discounts.
• You drive fewer than 6,000 miles annually.

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

• You have a more unique driver profile than those we mentioned above.

We hope this guide has ben a valuable resource as you compare American Access Casualty Company and American Family. We also hope we've given you the information you need to make the best decision when it comes to 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 auto insurance -- comparing quotes from multiple companies, not just American Access Casualty Company and American Family. 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 car insurance carriers in your area, all for free.

American Access Casualty Company vs. American Family FAQs

Is American Access Casualty Company or American Family cheaper?

Looking just at the national average premiums, American Family is the more affordable of the two companies, offering average rates of $140 per month compared to $279 for American Access Casualty Company. But American Family won't necessarily be the cheapest carrier for each driver, since there are multiple different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or American Family?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like.

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

Auto insurance carriers take a look at several different factors when determining the prices they charge drivers. Things such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both American Access Casualty Company and American Family calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if American Access Casualty Company or American Family 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 makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be American Access Casualty Company or American Family 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.