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

You've probably seen ads offering big savings on auto insurance, but are American Access Casualty Company or Key right for you? Which carrier offers the lowest prices, or the most discounts? Read on to see how American Access Casualty Company and Key compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • Based on national averages for insurance, American Access Casualty Company offers slightly less expensive premiums than Key
  • American Access Casualty Company has more affordable rates for policyholders who drive fewer than 6,000 miles annually
  • Key tends to be a much cheaper option for policyholders who live in rural neighborhoods


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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering considerable savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to American Access Casualty Company or Key, but between the two, which company will save you the most?

American Access Casualty Company Key
$279$285

As you can see, Key is around $6 more a month than American Access Casualty Company when looking at the national average rates for car insurance.

That being said, that doesn't necessarily mean American Access Casualty Company will be the less expensive option for every driver. Insurance carriers vary their prices depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and a variety of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

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

State American Access Casualty Company Key
NV$279$285

Both American Access Casualty Company and Key only offer car insurance in Nevada, so you'll see that the average figures here will mirror the ones we mentioned above. American Access Casualty Company drivers tend to pay about $6 per month less on average compared to drivers who use Key for their auto insurance.

Typically, your home state will play a big role in how much you pay for insurance, but since both companies only do business in Nevada, a lot of other variables will come into play when you compare American Access Casualty Company and Key. Continue reading to see how other factors will affect your rates.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

American Access Casualty Company Key
18-year-old drivers$734$679
25-year-old drivers$227$234

You might already know that teen drivers usually pay a lot more for car insurance than any group out there on the road. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Key for their car insurance pay 7% less than those who use American Access Casualty Company.

But both companies will lower rates once you turn 25. For example, average prices for American Access Casualty Company policyholders reduce almost 70% and Key's rates drop over 65% over that time.

Which is the Best Company for Retired Drivers?

American Access Casualty Company Key
65+-year-old drivers$196$223

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

But who has the best premiums for retired drivers between American Access Casualty Company and Key? American Access Casualty Company gets the edge, with rates for drivers 65 and older more than 10% more affordable than the national average for Key.

Which is the Best Company for Married Drivers?

American Access Casualty Company Key
Single$343$345
Married$195$204

You may not be aware, but auto insurance premiums tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having multiple vehicles on their policy -- something quite a few insurance carriers will reward with discounts.

If you're in the market for auto insurance, American Access Casualty Company tends to have the most affordable average prices regardless of marital status, with prices about 4% cheaper for married policyholders and around 1% more affordable for single policyholders.

American Access Casualty Company or Key: Average Rates by Gender

American Access Casualty Company Key
Male$293$311
Female$265$258

Men tend to pay more for car insurance than women. That's because women are less likely to get into collisions and get tickets, which decreases the chances of filing a claim with insurance.

On average, men see rates nearly 10% a month higher with American Access Casualty Company, and about 17% more with Key.

When it comes to the cheapest premiums for each gender, Key is the most affordable carrier for women. Rates with Key are $7 cheaper for women, while with American Access Casualty Company, men can save around $7.


Find your best rate in just a few minutes


American Access Casualty Company vs. Key: Compare State Minimum vs. Full Coverage Rates

American Access Casualty Company Key
State Minimum*$199$196
Full Coverage**$359$373

*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. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

When it comes to state minimum limits for liability insurance, Key has the edge, while American Access Casualty Company offers the lowest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $3 with Key Insurance Company, while full coverage comes out to be about $15 cheaper with American Access Casualty Company.

Is American Access Casualty Company or Key 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 speeding tickets and at-fault collisions lead to higher prices, but which company -- American Access Casualty Company or Key -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company Key
Clean Record$237$210
1 Speeding Ticket$260$210

Drivers with Key car insurance policies don't report seeing their prices increase after getting a ticket, but American Access Casualty Company policyholders can expect to see their monthly bill increase by around $25.

Even so, Key is generally the less expensive option for drivers both with clean records and with a speeding ticket -- their rates are around 11% cheaper for drivers with clean records and 19% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company Key
Clean Record$237$210
1 At-Fault Accident$332$235

American Access Casualty Company policyholders who get in an accident can expect to see their rates increase by $95, while those who have insurance through Key will see about a $25 increase.

At the end of the day, the more affordable premiums come from Key, with average prices coming in at $235 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

American Access Casualty Company Key
Clean Record$237$210
1 DUI$288$483

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Key drivers usually see a 57% increase in their auto insurance rates after a DUI charge, while American Access Casualty Company will normally climb premiums by around 18%.

But if you end up with a DUI charge and are looking for more affordable rates, American Access Casualty Company tends to be cheaper for the average driver, with monthly premiums coming in at about $288 to Key's $483.


Find your best rate in just a few minutes


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

Did you know many car insurance carriers take into account your credit score when determining prices? This isn't true for everyone (California, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for many drivers.

Insurance companies 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 more affordable premiums.

Looking at American Access Casualty Company and Key specifically, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

American Access Casualty Company Key
Excellent Credit Score$279$285
Good Credit Score$279$285

If you have solid credit, American Access Casualty Company will typically reward you the most. For policyholders with "excellent" credit scores, American Access Casualty Company comes in NaN less expensive. Drivers with "good" credit scores usually save around 2% with American Access Casualty Company compared to average premiums from Key.

Which Company is Best for Drivers with Bad Credit?

American Access Casualty Company Key
Fair Credit Score$279$285
Poor Credit Score$279$285

American Access Casualty Company typically offers lower rates than Key when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 2% per month less with American Access Casualty Company compared to Key, and those with "poor" scores generally save an average of around 2% a month.


Find your best rate in just a few minutes


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

American Access Casualty Company Key
6,000 Annual Miles$279$285
12,000 Annual Miles$279$285

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Typically, the more milage you drive, the more you can expect to pay for car insurance.

In this case, neither American Access Casualty Company or Key report increasing premiums for drivers with higher annual mileage figures. American Access Casualty Company comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average rates of $279 a month for both.

American Access Casualty Company or Key: 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 large impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

American Access Casualty Company Key
Urban Areas$411$386
Suburban Areas$145$234
Rural Areas$282$234

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

In urban areas, Key's average rates are about $386 per month compared to American Access Casualty Company's $411. People in suburban areas pay a monthly rate of around $145 with American Access Casualty Company compared to $234 with Key. Those in rural areas can expect to pay about $234 per month with Key compared to American Access Casualty Company's $282.

American Access Casualty Company vs. Key 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 auto insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by American Access Casualty Company and Key so that you can find the company that has the most discounts and, therefore, the largest savings.

American Access Casualty Company Key
Defensive Driver Discount
Good Driving Discount
Multi-Car Discount
Passive Restraint Discount
Prior Insurance Discount 
Renewal Discount 

Overall, American Access Casualty Company has a slight advantage when it comes to total number of discounts. Key offers a grand total of four discounts, while American Access Casualty Company has six.

There are a couple discounts both companies offer, but American Access Casualty Company also offers discounts for prior insurance and renewal discount.

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


Find your best rate in just a few minutes


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

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is American Access Casualty Company or Key the right one for you and your specific needs?

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

  • You will be the only person on the car insurance policy.
  • You live in an suburban area.
  • You drive fewer than 6,000 miles yearly.


Key might be best for you if...

  • You've received a ticket for speeding recently and don't want to see your prices rise.
  • You have an at-fault collision on your record.
  • You want to save money while purchasing auto insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between American Access Casualty Company and Key. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just American Access Casualty Company and Key. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.


Find your best rate in just a few minutes


American Access Casualty Company vs. Key FAQs

Is American Access Casualty Company or Key cheaper?

American Access Casualty Company is the cheaper of the two companies when looking at national average rates, with policies averaging $279 a month with American Access Casualty Company and $285 for Key. However, that doesn't mean American Access Casualty Company will be the cheapest company for every policyholder, since there are many different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Key?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like. For example, American Access Casualty Company is more affordable for drivers who have less-than-stellar credit scores, while Key offers less expensive prices for drivers with an at-fault accident on their record.

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

Insurance carriers use several different variables when calculating the premiums they charge. Factors like gender, where you live, age, your driving record, and sometimes even things like your credit score can all be used. Both American Access Casualty Company and Key calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if American Access Casualty Company or Key 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, Compare.com makes it easy for you to do just that. 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 price. And maybe you'll find that the best company for you isn't American Access Casualty Company or Key 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes