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

Wondering if American Access Casualty Company or State Farm is the best car insurance company for you, your vehicle, and your wallet? We've broken down all the prices and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • In general, State Farm offers significantly more affordable premiums than American Access Casualty Company
  • American Access Casualty Company offers cheaper average rates for policyholders who live in the suburbs
  • State Farm offers more discounts than American Access Casualty Company


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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to American Access Casualty Company or State Farm, but which company will save you the most?

American Access Casualty Company State Farm
$279$158

Looking at the national average rates for both companies, American Access Casualty Company is quite a bit more expensive than State Farm, with prices averaging $279 per month compared to just $158 with State Farm.

But that doesn't necessarily mean State Farm will be the less expensive option for every single driver. Insurance carriers vary their premiums depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and all sorts of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

Wanting to know if American Access Casualty Company or State Farm is really the right company 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 State Farm: Average Car Insurance Rates by State

State American Access Casualty Company State Farm
NV$279$123

American Access Casualty Company and State Farm only compete against each other in Nevada, where State Farm offers the cheaper average rates. For Nevada residents, State Farm offers auto insurance for $123 monthly on average. American Access Casualty Company's average premiums come out to be over 70% more expensive, at $279 per month.

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


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Which is the Best Company For Young Drivers?

American Access Casualty Company State Farm
18-year-old drivers$734$353
25-year-old drivers$227$142

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use State Farm save nearly $400 a month compared to those who use American Access Casualty Company.

However, both companies will reduce prices by the time drivers turn 25. State Farm offers the steepest reduction, 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?

American Access Casualty Company State Farm
65+-year-old drivers$196$111

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

But who has the best premiums for retired drivers between American Access Casualty Company and State Farm? State Farm gets the edge here, with average prices coming in at about $111 a month compared to American Access Casualty Company's $196.

Which is the Best Company for Married Drivers?

American Access Casualty Company State Farm
Single$343$183
Married$195$124

You may not be aware, but auto insurance premiums tend to be more affordable for married policyholders than they are for single policyholders. That's because policies for married drivers normally cover multiple cars, which many carriers will offer you a discount for.

When it comes to relationship status, State Farm is the clear winner for single drivers, with rates around $160 per month cheaper than American Access Casualty Company, on average. The advantage is also clear for married couples - State Farm offers the lowest average premiums.

American Access Casualty Company vs. State Farm: Average Rates by Gender

American Access Casualty Company State Farm
Male$293$164
Female$265$152

You may not know, but car insurance is typically more expensive for men than for women. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim.

Men normally pay nearly $30 a month more than women with American Access Casualty Company, and more than $10 with State Farm.

When it comes to the cheapest rates for each gender, State Farm comes out as the most affordable option for both genders. On average, women save about $113 per month and men save about $129 with State Farm compared to the average American Access Casualty Company policyholder.


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

American Access Casualty Company State Farm
State Minimum*$199$99
Full Coverage**$359$216

*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 auto insurance can be a complicated subject for most people. There are a bunch of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum liability limits, State Farm usually offers significantly less expensive prices of $99 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies around $150 a month more affordable than American Access Casualty Company, on average.

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

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

It's no secret secret that tickets and at-fault collisions lead to higher rates, but which carrier -- American Access Casualty Company or State Farm -- has the lowest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company State Farm
Clean Record$237$134
1 Speeding Ticket$260$155

American Access Casualty Company policyholders can expect their premiums to go up an average of $23 per month if they get a ticket, while State Farm generally raises prices about $21 a month, on average.

Even so, State Farm is usually the cheaper option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $103 per month and drivers with a ticket can save about $105 a month with State Farm.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company State Farm
Clean Record$237$134
1 At-Fault Accident$332$163

American Access Casualty Company drivers who get in an accident can expect to see their rates climb by $95, while those who have insurance through State Farm will see around a $30 increase.

Overall, State Farm offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $163 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

American Access Casualty Company State Farm
Clean Record$237$134
1 DUI$288$179

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than a collision or speeding ticket. American Access Casualty Company drivers usually see a 18% climb in their car insurance prices after a DUI charge, while State Farm will typically raise premiums by about 25%.


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

You may not have known, but your credit score can come into play when companies 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 will come into play for lots of policyholders.

Insurance carriers 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, drivers with good credit will often be rewarded with less expensive prices.

So, which company offers the most affordable premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

American Access Casualty Company State Farm
Excellent Credit Score$279$80
Good Credit Score$279$105

Which Company is Best for Drivers with Bad Credit?

American Access Casualty Company State Farm
Fair Credit Score$279$148
Poor Credit Score$279$300

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

American Access Casualty Company State Farm
6,000 Annual Miles$279$151
12,000 Annual Miles$279$164

How much you drive can have a big impact on your monthly rates. Normally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

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 State Farm, with policyholders who drive 6,000 miles every year paying around $13 less each month compared to those who drive 12,000 miles annually. Still, State Farm is the cheaper option for drivers in both categories.

American Access Casualty Company vs. State Farm: 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 auto insurance, but the type of area you live in can have a considerable impact as well. Generally, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the roads in those areas.

American Access Casualty Company State Farm
Urban Areas$411$185
Suburban Areas$145$161
Rural Areas$282$127

Looking at these companies side-by-side, State Farm 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, State Farm's average rates are about $185 per month compared to American Access Casualty Company's $411. People in suburban areas pay a monthly price of around $145 with American Access Casualty Company compared to $161 with State Farm. Those in rural areas can expect to pay about $127 per month with State Farm and $282 with American Access Casualty Company.

American Access Casualty Company vs. State Farm Discounts

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

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

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

American Access Casualty Company State Farm
ABS Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Drive Safe & Save Discount 
Driver Training Discount 
DRL Discount 
Farm Discount 
Good Driving Discount
Good Student Discount 
Goverment Employee Discount 
Homeowner Discount 
Low Income Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount
Multi-Policy Discount 
Passive Restraint Discount
Prior Insurance Discount 

State Farm blows American Access Casualty Company away when it comes to the sheer amount of discounts available, offering 17 more discounts than American Access Casualty Company.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and renewal discounts. State Farm also offers ABS discounts, annual mileage discounts, anti-theft 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 prior insurance discounts.


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

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

State Farm might be best for you if....

  • You're planning on moving to another state soon -- undefined only offers policies in.
  • You have above-average credit.
  • You are over 65 years old and want to save some money on your auto insurance.


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

  • Your home is located in the suburbs.

We hope this guide has ben a valuable resource as you compare American Access Casualty Company and State Farm. We also hope we've given you the information you need to make the best decision when it comes to your car 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 a handful of carriers, not just American Access Casualty Company and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.


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American Access Casualty Company vs. State Farm FAQs

Is American Access Casualty Company or State Farm cheaper?

Looking just at the national average premiums, State Farm is the more affordable of the two carriers, offering average rates of $158 a month compared to $279 for American Access Casualty Company. However, State Farm won't necessarily be the most affordable carrier for every policyholder, since there are a range of different variables that are considered when it comes to your insurance bill.

Who is better, American Access Casualty Company or State Farm?

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, State Farm offers cheaper rates for policyholders with an at-fault collision on their record, while American Access Casualty Company is less expensive for drivers who have less-than-stellar credit scores.

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

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

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be American Access Casualty Company or State Farm 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.

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