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

Quick Facts

• In general, Mendakota offers less expensive 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
• Mendakota offers more affordable prices for policyholders who live in rural neighborhoods

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

So, you're thinking about switching to 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 might be considering American Access Casualty Company or Mendakota for your next policy, but which company has cheaper rates for auto insurance?

As you can see, Mendakota is around $35 a month more affordable than American Access Casualty Company when looking at the national average rates for insurance.

However, that doesn't mean Mendakota will necessarily be less expensive than American Access Casualty Company for every single driver. Car insurance carriers vary their prices depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and tons of other factors, so premiums will vary quite a bit from person to person.

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

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

Both American Access Casualty Company and Mendakota only offer auto insurance in Nevada, so you'll see that the average figures here will mirror the ones we mentioned above. Mendakota drivers tend to pay about $35 per month less on average compared to drivers who use American Access Casualty Company for their insurance.

Typically, where you live will play a hefty role in how much you pay for car insurance, but since both companies only do business in Nevada, an array of other variables will come into play when you compare American Access Casualty Company and Mendakota. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Mendakota for their car insurance pay almost 40% less than those who use American Access Casualty Company.

Even so, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for American Access Casualty Company policyholders drop about $500 and Mendakota's premiums decrease over $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates out there.

So, which company offers the best premiums to retired drivers? In this case, Mendakota has the slight edge, with rates around $9 a month less than American Access Casualty Company. But that difference is less than 5%, which means it ultimately will come down to other factors, like your credit score or where you live.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper auto insurance prices than single drivers. This usually boils down to married couples having more than one vehicle on their policy -- something several insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Mendakota prices coming in at a quarter less than American Access Casualty Company's. It's not quite so glaring for married policyholders, where drivers who use American Access Casualty Company save about $15 per month.

American Access Casualty Company or Mendakota: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll generally end up paying more for auto insurance than women.

On average, men see premiums nearly 10% a month higher with American Access Casualty Company, and around 7% with Mendakota.

When it comes to the lowest rates for each gender, Mendakota comes out on top for both men and women, with average prices $40 less for men and $30 cheaper for women.

American Access Casualty Company vs. Mendakota: 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.

Car insurance isn't the easiest topic to understand. There are a variety of different coverages that account for a range of 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

Looking specifically at state minimum liability limits, Mendakota has the edge, with average monthly premiums coming in at $172. If you want a full coverage policy with the same state minimum limits, Mendakota again has the edge, with policies averaging about $316 per month to American Access Casualty Company's $359.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Access Casualty Company for their car insurance can typically expect their monthly bill to go up around 9% after getting a speeding ticket. Mendakota policyholders can expect a less drastic increase of about 8%.

However, Mendakota is usually the more affordable option for both drivers who have clean records and those with a recent ticket, offering prices that are $16 and $20 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 a collision can expect to see their premiums increase by just under 30%, while those who have insurance through Mendakota will see around a 20% increase.

At the end of the day, the cheaper rates come from Mendakota, with average prices coming in at $273 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 speeding ticket or even an accident. American Access Casualty Company drivers usually see a 18% climb in their insurance premiums after a DUI charge, while Mendakota will normally raise rates by about 8%.

But if you end up with a DUI charge and are looking for more affordable premiums, Mendakota tends to be more affordable for the average driver, with monthly premiums coming in at around $241 to American Access Casualty Company's $288.

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

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

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Mendakota and American Access Casualty Company, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Mendakota will typically reward you the most. For policyholders with "excellent" credit scores, Mendakota comes in nearly 12.54 less expensive. Drivers with "good" credit scores generally save about 13% with Mendakota compared to average premiums from American Access Casualty Company.

Which Company is Best for Drivers with Bad Credit?

Mendakota typically offers lower prices than American Access Casualty Company when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 13% a month less with Mendakota compared to American Access Casualty Company, and those with "poor" scores normally save an average of about 13% per month.

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

How much you drive can have a sizable impact on your monthly auto insurance bill. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

In this case, neither American Access Casualty Company or Mendakota report increasing rates for drivers with higher annual mileage figures. That being said, Mendakota comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $244 per month for both.

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

Where you call home can have a big impact on your monthly car insurance payment. Usually, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer cars on the road where they live, which lowers the chances of an accident.

When comparing these two carriers side-by-side, American Access Casualty Company tends to offer the lowest option for drivers in urban and suburban areas, while Mendakota wins in rural areas.

For policyholders in urban ZIP codes, American Access Casualty Company's average prices are around 2% less than Mendakota Insurance Company. People who live in suburban areas pay about 18% less with American Access Casualty Company compared to Mendakota. Those in rural areas can expect to save around 51% with Mendakota compared to American Access Casualty Company.

American Access Casualty Company vs. Mendakota Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many 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 looked at all of the different discounts American Access Casualty Company and Mendakota offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Overall, American Access Casualty Company has a slight advantage when it comes to total number of discounts. Mendakota offers a grand total of five 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 good driving, prior insurance, and renewal discount.

On the other hand, Mendakota has a few proprietary discounts of their own like homeowner discounts and paid in full discounts.

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

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the best one for you and your specific needs?

Mendakota might be best for you if....

• Your driving record includes a DUI charge.
• You already have a great credit score.
• You live in a rural area.

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

• Your home is in a busy urban area.
• You live in an suburban area.
• You are purchasing your car insurance with a spouse.

Hopefully, this guide helps you get a better idea of the difference between American Access Casualty Company and Mendakota and that it aids in making a more informed decision about your insurance.

At the end of the day, the best 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 Mendakota. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

American Access Casualty Company vs. Mendakota FAQs

Is American Access Casualty Company or Mendakota cheaper?

Mendakota is the cheaper of the two companies when looking at national average prices, with policies averaging $244 a month with Mendakota and $279 for American Access Casualty Company. That being said, that doesn't mean Mendakota will be the cheapest carrier for everyone, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Mendakota?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

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

Auto insurance carriers use many different variables when calculating the premiums they charge. Things like age, gender, where you park your vehicle, your driving record, and sometimes even things like your credit score can all come into play. Both American Access Casualty Company and Mendakota calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car 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, 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. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't American Access Casualty Company or Mendakota 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.