For HDD, as per my understanding,
access time (approx) = seek time+ rotational latency + transfer time.
Now when data is contiguous then there is single seek time, single rotational time but for dispersed data it will take multiple seek and latency time. Even transfer time for contiguous data is less than or equal to transfer time of dispersed data since the data has a unit of reading data (called block) so for dispersed data it might need more block reads than contiguous data.
Please correct if my understanding about the HDD (Hard Disk Drive) is not correct.
I am not sure about the difference in access time for SSD (Solid State Disk) as I don't much about its working and the minimum unit of reading data.
Please throw some light.