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

Quick Facts

• In general, Farmers offers significantly cheaper prices than American Access Casualty Company
• American Access Casualty Company has more affordable premiums for policyholders who live in the suburbs
• Farmers offers less expensive average rates for drivers who have received a ticket within the last few years

American Access Casualty Company vs. Farmers: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering pretty big 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 Farmers as your top options, but between the two, which company has cheaper prices for insurance?

Looking at the national average rates for both companies, American Access Casualty Company has average rates that are about 25% per month more expensive than those from Farmers.

That being said, that doesn't necessarily mean Farmers will be the less expensive option for every single driver. Car insurance carriers vary their premiums depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a ton of other factors. So, at the end of the day, rates from each company will differ quite a bit from person to person.

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

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

American Access Casualty Company and Farmers only compete against each other in Nevada, where Farmers offers the cheaper average premiums. For Nevada residents, Farmers offers insurance for $247 per month on average. American Access Casualty Company's average prices come out to be over 10% more expensive, at $279 monthly.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. The reason is that young, inexperienced 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Farmers save more than $200 a month compared to those who use American Access Casualty Company.

But both companies will offer you dramatically lower prices once you turn 25. For example, average rates for American Access Casualty Company policyholders decrease over $500 and Farmers's premiums reduce nearly $400 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

So, which company offers the best premiums to retired drivers? Farmers gets the edge, with prices for drivers 65 and older more than 25% more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be cheaper for married drivers than they are for single drivers. That's because policies for married policyholders usually cover multiple cars, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Farmers is the clear winner for single policyholders, with premiums around $98 per month less expensive than American Access Casualty Company, on average. The advantage is also clear for married couples - Farmers offers the cheapest average prices.

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

Because men are more likely to get speeding tickets and get into accidents, they are more likely to file a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

Usually, women see premiums about $30 a month more affordable with American Access Casualty Company, and around $7 less with Farmers.

When it comes to the most affordable rates for each gender, Farmers comes out on top for both men and women, with average prices $86 less for men and $65 cheaper for women.

American Access Casualty Company or Farmers: 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 insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages 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 (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Farmers generally offers significantly cheaper premiums of $126 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, Farmers again has the edge, with policies about $80 per month less expensive than American Access Casualty Company, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your rates, but is American Access Casualty Company or Farmers more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their prices to go up an average of $23 a month if they get a ticket, while Farmers normally raises rates around $44 per month, on average.

However, Farmers is usually the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 32% more affordable for drivers with clean records and 21% cheaper for those with a ticket.

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 climb by just under 30%, while those who have insurance through Farmers will see about a 30% increase.

Overall, the less expensive rates come from Farmers, with monthly premiums averaging $224 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Farmers drivers usually see a 27% climb in their auto insurance prices after a DUI charge, while American Access Casualty Company will typically raise rates by around 18%.

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

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of policyholders.

The reasoning car insurance companies 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.

So, which carrier offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a substantial impact on your monthly rates? That's because the more miles you put on your car, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither American Access Casualty Company or Farmers report increasing prices for drivers with higher annual mileage figures. Farmers comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $203 a month for both.

American Access Casualty Company vs. Farmers: 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 insurance, but the type of area you live in can have a big impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Looking at these carriers side-by-side, Farmers tends to offer the cheapest option for drivers 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 save about 40% with Farmers compared to American Access Casualty Company. Drivers in suburban ZIP codes pay around 23% less with American Access Casualty Company compared to Farmers. In urban areas, Farmers Insurance's average premiums are about 39% less than American Access Casualty Company.

American Access Casualty Company vs. Farmers Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

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 carrier that has the most discounts for your unique driver profile.

Below, we've compared all of the different discounts offered by American Access Casualty Company and Farmers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Farmers knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 22 more discounts than American Access Casualty Company.

There are a couple discounts both companies offer, but Farmers also offers ABS discounts, advance quote discounts, alternative fuel discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a unique discount of its own -- a renewal discounts.

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

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the best one for you, your vehicle, and your wallet?

Farmers might be best for you if....

• You have an at-fault accident on your record.
• You want to save extra money with discounts.
• You are purchasing your insurance with a spouse.

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

• You live in an suburban area.

We hope this guide helps you get a better idea of the difference between American Access Casualty Company and Farmers 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 carriers, not just American Access Casualty Company and Farmers. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

American Access Casualty Company vs. Farmers FAQs

Is American Access Casualty Company or Farmers cheaper?

Looking just at the national average premiums, Farmers is the cheaper of the two carriers, offering average rates of $203 per month compared to $279 for American Access Casualty Company. But Farmers won't necessarily be the most affordable company for every policyholder, since there are a variety of 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 Farmers?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for each driver -- it all boils down to your unique auto insurance profile.

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

Insurance companies take a look at a lot of different factors when calculating the rates they charge drivers. Variables 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 Farmers calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies 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 carriers in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be American Access Casualty Company or Farmers 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.