Allstate vs. Concord Group: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Concord Group offers significantly cheaper premiums than Allstate
• Allstate offers more discounts than Concord Group Insurance
• Concord Group has more affordable prices for drivers with a DUI charge on their record

Allstate vs. Concord Group: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Allstate or Concord Group as your top options, but which carrier has less expensive premiums for auto insurance?

Looking at nationwide averages, Allstate has average rates that are about 65% per month more expensive than those from Concord Group.

But that doesn't mean Concord Group will necessarily be more affordable than Allstate for each driver. Insurance companies use tons of complex algorithms to calculate prices, so depending on where you live or how clean your driving record is (among lots of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Allstate and Concord Group by a bunch of different rate factors, so read on to find out which company is the best for you.

Allstate or Concord Group: Average Car Insurance Rates by State

Allstate and Concord Group only compete against each other in three states, with Concord Group offering less expensive prices to the average driver in all of them. Maine has the most noticable difference, where Concord Group rates are over 70% cheaper than car insurance premiums at Allstate.

But there's more to calculating auto insurance rates than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of nearly $300 less a month by choosing Concord Group over Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Concord Group's three, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your premiums lower significantly by the time you turn 25. Concord Group offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average prices drop almost 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable car insurance rates out there. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase premiums.

When looking at Allstate and Concord Group specifically, which carrier is best for retired drivers? Concord Group gets the edge, with rates for drivers 65 and older $98 more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance prices than married couples. That's normally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Concord Group is the clear winner for single policyholders, with premiums around $141 per month less expensive than Allstate, on average. The advantage for married drivers with Concord Group is also obvious, where drivers save more than 65% a month.

Allstate vs. Concord Group: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for auto insurance than women.

Usually, women see prices about 4% per month less with Allstate, and around 13% less with Concord Group.

Looking at the data for each company specifically, Concord Group offers the cheapest average rates for both men and women. On average, women save about $125 a month and men save about $124 with Concord Group compared to the average Allstate policyholder.

Allstate or Concord Group: 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.

For most people, insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability insurance, Concord Group typically offers significantly cheaper premiums of $47 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Concord Group again has the edge, with policies around $200 per month more affordable than Allstate, on average.

Is Allstate or Concord Group Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that tickets and accidents lead to higher rates, but which carrier -- Allstate or Concord Group -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 a month if they get a ticket, while Concord Group normally raises rates about $9 per month, on average.

However, Concord Group tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering premiums that are $101 and $119 cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their prices rise by just under $75, while those who have insurance through Concord Group will see around a $25 increase.

Overall, drivers who use Concord Group end up with the cheaper prices after an accident, with monthly rates averaging $82 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. For example, Allstate increases average premiums by over $70 a month -- that's over a 30% increase.

Concord Group has the overall lowest rates for drivers with a DUI on their records at $95 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just three for Concord Group, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Concord Group Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect a lot of policyholders out there.

The reasoning car insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

So, which company offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Concord Group. Drivers with "excellent" credit can save just under 60% compared to Allstate, and those with "good" scores can also expect to see savings -- about $106 or 62% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Concord Group typically offers lower premiums than Allstate when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $129 per month less with Concord Group compared to Allstate, and those with "poor" scores usually save an average of about $178 a month.

Is Allstate or Concord Group Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Generally, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Concord Group tends to be the less expensive option. Concord Group's average prices for drivers with 6,000 annual miles come in around $124 cheaper than Allstate. Those who drive 12,000 miles annually can expect to pay about $125 less with Concord Group over Allstate.

Allstate vs. Concord Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a big role in how much you pay for auto insurance. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads in those areas.

Concord Group boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Concord Group offers rates around $81 per month compared to Allstate's $222. People who live in suburban ZIP codes can expect to pay about $76 a month for Concord Group and $199 for Allstate. Lastly, those in rural areas tend to get the most affordable premiums from both carriers, with average monthly prices coming in at $66 and $174 for Concord Group and Allstate respectively.

Allstate vs. Concord Group Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

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 broken down all of the different discounts offered by both Allstate and Concord Group so that you can see which one can save you the most money each month.

Allstate knocks Concord Group out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Concord Group's 13.

Both companies offer lots of the same discounts -- like ABS discounts, anti-theft discounts, discounts for being a defensive driver, and multi-policy discounts -- but Allstate also offers agency transfer discounts, alert driving discounts, annual mileage discounts, and more that Concord Group does not.

On the flip side, Concord Group has a couple unique discounts of its own -- group discounts, new business discounts, safe car discounts, and more.

Final Thoughts: Is Allstate or Concord Group Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Allstate or Concord Group the best company for you and your specific driver profile?

Concord Group might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums increase.
• You're looking for more protection with "full coverage" insurance.
• You drive often but have a short commute.

Allstate might be best for you if...

• You are considering moving to another state -- Concord Group Insurance is only available in three states.
• You care about discounts (Allstate offers the most).

We hope this guide helps you get a good idea of the differences between Allstate and Concord Group. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Allstate and Concord Group. Luckily, sites like Compare.com do all the hard work for you. 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.

Allstate vs. Concord Group FAQs

Is Allstate or Concord Group cheaper?

Looking just at the national average rates, Concord Group is the more affordable of the two carriers, offering average rates of $74 per month compared to $199 for Allstate. That being said, Concord Group won't necessarily be the cheapest company for each driver, since there are many different variables that are considered when it comes to your car insurance bill.

Who is better, Allstate or Concord Group?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Allstate and Concord Group offer me different rates?

Insurance companies take a look at quite a few different factors when calculating the prices they charge drivers. Variables such as gender, where you park your vehicle, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Concord Group calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Allstate or Concord Group is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Allstate or Concord Group 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.