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

Quick Facts

• In general, GEICO offers significantly cheaper premiums than American Access Casualty Company
• American Access Casualty Company tends to be a much more affordable option for policyholders who live in suburban areas
• GEICO offers less expensive average rates for drivers who have a speeding ticket on their driving record

American Access Casualty Company or GEICO: Which Company has the Cheapest Car Insurance?

Are you considering 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've maybe even narrowed your search down to American Access Casualty Company or GEICO as potential options, but which carrier has cheaper premiums for car insurance?

Looking at nationwide averages, GEICO has average rates that are around 35% a month less expensive than those from American Access Casualty Company.

But GEICO may not be the lowest or best option for each driver out there. Insurance carriers vary their prices depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and all sorts of other factors. So, at the end of the day, premiums from every company will differ quite a bit from person to person.

Wanting to know if American Access Casualty Company or GEICO 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 vs. GEICO: Average Car Insurance Rates by State

American Access Casualty Company and GEICO only compete against each other in Nevada, where GEICO offers the cheaper average rates. GEICO drivers tend to pay about $102 per month less on average compared to drivers who use American Access Casualty Company for their auto insurance.

That being said, there's a lot more that goes into your car insurance payment than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers. It'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 premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 50% less a month by choosing GEICO over American Access Casualty Company.

Even so, both companies will offer you dramatically lower prices once you turn 25. For example, average rates for American Access Casualty Company policyholders reduce almost 70% and GEICO's prices decrease more than 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever find.

But who has the best rates for retired drivers between American Access Casualty Company and GEICO? GEICO gets the edge, with premiums for drivers 65 and older $48 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 insurance rates tend to be cheaper for married couples than they are for single policyholders. That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with GEICO premiums coming in at a third less than American Access Casualty Company's. For married drivers, the advantage is clear again - GEICO has the edge when it comes to average prices.

American Access Casualty Company or GEICO: Average Rates by Gender

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

On average, men see rates about $30 per month higher with American Access Casualty Company, and around $8 more with GEICO.

Looking at the data for each company specifically, GEICO comes out as the most affordable option for both genders. On average, male drivers save about $104 a month and women save about $84 with GEICO compared to the average American Access Casualty Company policyholder.

American Access Casualty Company vs. GEICO: 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.

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

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability insurance, GEICO has the significant edge, with average monthly prices coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging around $269 per month to American Access Casualty Company's $359.

Is American Access Casualty Company or GEICO 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.

It's no secret secret that at-fault collisions and speeding tickets lead to higher premiums, but which carrier -- American Access Casualty Company or GEICO -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Access Casualty Company for their car insurance can normally expect their monthly bill to go up about 9% after getting a speeding ticket. GEICO policyholders can expect a bit more drastic of an increase of around 23%.

However, GEICO has more affordable premiums for drivers in both categories, offering prices that are 51% and 42% less expensive, respectively, compared to American Access Casualty Company.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company drivers who get in an accident can expect to see their rates rise by $95, while those who have insurance through GEICO will see about a $85 increase.

At the end of the day, drivers who use GEICO end up with the cheaper prices after an accident, with average premiums coming in at $200 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 -- typically a lot more than a collision or ticket. For example, GEICO increases average rates by more than $150 a month -- that's nearly a 60% increase.

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

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for several policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

So, which company offers the best rates for policyholders with good, average, or poor 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 GEICO 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 how much car insurance carriers will charge for coverage. Usually, those who drive less will end up with less expensive premiums since there's less of a chance of causing an accident 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 prices for GEICO, with policyholders who drive 6,000 miles each year paying around $8 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, GEICO is the cheaper carrier.

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

Where you live can play a big role in how much you pay for auto insurance. Typically, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the road where they live, which decreases the chances of an accident.

Looking at these companies side-by-side, GEICO generally comes out as the more affordable option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

For drivers in urban ZIP codes, GEICO's average premiums are about $211 per month compared to American Access Casualty Company's $411. Drivers in suburban ZIP codes pay around $145 with American Access Casualty Company compared to GEICO's $185 monthly. Those in rural areas can expect to pay about $159 a month with GEICO and $282 with American Access Casualty Company.

American Access Casualty Company vs. GEICO Discounts

You want to save as much money as you can, right? 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 difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American Access Casualty Company and GEICO so that you can find the one that has the most discounts and, therefore, the largest savings.

GEICO knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to American Access Casualty Company's 28.

Both carriers offer several of the same discounts -- like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and passive restraint discounts -- but GEICO also offers discounts for ABS, anti-theft, commercial drivers license, and more.

On the other hand, American Access Casualty Company has a few proprietary discounts of their own like prior insurance discounts and renewal discounts.

Final Thoughts: Is American Access Casualty Company or GEICO 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. But, at the end of the day, which carrier is the best company for you and your specific driver profile?

GEICO might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You have above-average credit.
• You live in a rural area.

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

• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between American Access Casualty Company and GEICO. We also hope we've given you the information you need to make the best 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 car insurance -- comparing quotes from a handful of companies, not just American Access Casualty Company and GEICO. Luckily, Compare.com 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.

American Access Casualty Company vs. GEICO FAQs

Is American Access Casualty Company or GEICO cheaper?

GEICO is the less expensive of the two companies when looking at national average rates, with policies averaging $185 a month with GEICO and $279 for American Access Casualty Company. Even so, that doesn't mean GEICO will be the cheapest company for each driver, since there are many different factors that come into play when it comes to your car insurance cost.

Who is better, American Access Casualty Company or GEICO?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

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

Insurance carriers use lots of different variables when determining the prices they charge. Factors like where your home is, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both American Access Casualty Company and GEICO calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which company 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 GEICO is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't American Access Casualty Company or GEICO 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.