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

Quick Facts

• Based on national averages for insurance, Progressive offers significantly cheaper prices than American Access Casualty Company
• American Access Casualty Company tends to be a much more affordable option for policyholders who live in suburban areas
• Progressive offers more affordable rates for policyholders who drive a short distance to work everyday

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering sizable discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to American Access Casualty Company or Progressive for your next policy, but which carrier will offer you less expensive premiums?

Looking at nationwide averages, Progressive has average rates that are about 35% per month more affordable than those from American Access Casualty Company.

That being said, that doesn't mean Progressive will necessarily be less expensive than American Access Casualty Company for each driver. Auto insurance companies vary their rates depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and tons of other factors, so prices could differ drastically from person to person.

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

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

American Access Casualty Company and Progressive only compete against each other in Nevada, where Progressive offers the cheaper average rates. For Nevada residents, Progressive offers car insurance for $178 per month on average. American Access Casualty Company's average prices come out to be over 50% more expensive, at $279 a month.

But there's more to calculating insurance premiums than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's generally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of nearly $300 less a month by choosing Progressive over American Access Casualty Company.

However, both carriers will lower prices by the time you turn 25. Progressive offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. American Access Casualty Company's average premiums drop almost 70% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at American Access Casualty Company and Progressive specifically, which company is best for retired drivers? Progressive gets the edge, with premiums for drivers 65 and older $65 cheaper than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more affordable for married drivers than they are for single policyholders. This usually boils down to married couples having several cars on their policy -- something several car insurance companies will reward with discounts.

When it comes to relationship status, Progressive is the clear winner for those who are single, with prices around $122 per month cheaper than American Access Casualty Company, on average. For married policyholders, the advantage is clear again - Progressive has the edge when it comes to average rates.

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

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

Men normally pay nearly 10% more a month than women with American Access Casualty Company, and about 3% more with Progressive.

When it comes to the cheapest prices for each gender, Progressive comes out on top for both men and women. On average, male drivers save about $110 per month and women save around $87 with Progressive compared to the average American Access Casualty Company policyholder.

American Access Casualty Company or Progressive: 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 car insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms 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 (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Progressive generally offers significantly less expensive premiums of $111 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, Progressive again has the edge, with policies about $100 a month more affordable than American Access Casualty Company, on average.

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

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

Collisions and tickets will most likely raise your prices, but is American Access Casualty Company or Progressive cheaper for drivers with less-than-perfect 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 per month if they get a ticket, while Progressive usually raises rates around $31 a month, on average.

That being said, Progressive tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering prices that are $88 and $80 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 rise by $95, while those who have insurance through Progressive will see about a $65 increase.

Overall, drivers who use Progressive end up with the cheaper prices after an accident, with monthly rates averaging $214 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 -- normally a lot more than an accident or ticket. For example, American Access Casualty Company increases average prices by over $50 per month -- that's just under a 20% increase.

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

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect lots of policyholders out there.

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

Looking specifically at American Access Casualty Company and Progressive, which company has the best rates 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 Progressive 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 pretty big impact on how much car insurance carriers will charge for coverage? Usually, the more miles you put on your car each year, the more you can expect to pay for coverage.

In this case, neither American Access Casualty Company or Progressive report increasing prices for drivers with higher annual mileage figures. That being said, Progressive comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average rates of $180 a month for both.

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

Where you live can have a large impact on your monthly insurance payment. Typically, 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.

Progressive tends to offer the cheapest option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

In urban areas, Progressive's average rates are around $204 less than American Access Casualty Company. Drivers in suburban ZIP codes pay about $34 less with American Access Casualty Company compared to Progressive. If you live in a rural area, you can expect to save around $128 with Progressive compared to American Access Casualty Company.

American Access Casualty Company vs. Progressive Discounts

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

But with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

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

Progressive blows American Access Casualty Company away when it comes to the sheer amount of discounts available, offering 34 different discounts to American Access Casualty Company's six.

There are a couple discounts both companies offer, but Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that American Access Casualty Company does not.

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

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

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is American Access Casualty Company or Progressive the right fit for you?

Progressive might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You're looking for more protection with "full coverage" car insurance.
• You drive fewer than 12,000 miles annually.

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

• Your neighborhood is in the suburbs.

We hope this guide helps you get a good idea of the differences between American Access Casualty Company and Progressive. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just American Access Casualty Company and Progressive. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

American Access Casualty Company vs. Progressive FAQs

Is American Access Casualty Company or Progressive cheaper?

Looking just at the national average prices, Progressive is the cheaper of the two companies, offering average rates of $180 per month compared to $279 for American Access Casualty Company. But Progressive won't necessarily be the most affordable carrier for everyone, since there are a range of different variables that come into play when it comes to your car insurance bill.

Who is better, American Access Casualty Company or Progressive?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique insurance profile.

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

Auto insurance carriers take a look at a lot of different factors when calculating the premiums they charge drivers. Things such as gender, age, where you park your car, your driving record, and sometimes even things like your credit score can all come into play. Both American Access Casualty Company and Progressive calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be American Access Casualty Company or Progressive 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.