A data storage device is disclosed comprising a plurality of disk surfaces, a first plurality of heads actuated over a first subset of the disk surfaces by a first actuator, and a second plurality of heads actuated over a second subset of the disk surfaces by a second actuator. A first access command is executed using the first actuator and a second access command is executed using the second actuator. When the first access command finishes before the second access command finishes, a third access command is selected to execute using the first actuator based on a time remaining (To2) to finish the second access command, and at least part of the second access command is executed while concurrently executing at least part of the third access command during To2.