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

How do Bristol West and Concord Group compare when it comes to car insurance premiums and discounts? If you want to find out which company has the best rates for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Concord Group offers significantly more affordable prices than Bristol West
  • Bristol West offers more discounts than Concord Group Insurance
  • Concord Group has cheaper premiums for residents of rural areas

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering pretty big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Bristol West or Concord Group for your next policy, but which carrier will offer you less expensive rates?

Bristol West Concord Group

As you can see, Concord Group is quite a bit cheaper than Bristol West, with prices averaging $74 per month compared to $412 with Bristol West when looking at the national average rates for auto insurance.

However, that doesn't mean Concord Group will necessarily be cheaper than Bristol West for every driver. Car insurance companies use all sorts of complex algorithms to calculate rates, so depending on how good your credit score is or how clean your driving record is (among an array of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Bristol West or Concord Group is really the best for you, keep reading to see average premiums for each carrier broken down by a bunch of different rate factors.

Bristol West or Concord Group: Average Car Insurance Rates by State

State Bristol West Concord Group

Bristol West and Concord Group only compete against each other in one states, with Concord Group offering less expensive rates to the average driver in all of them. Maine has the most noticable difference, where Concord Group prices are over 70% more affordable than auto insurance premiums at Bristol West.

That being said, there's a lot more that goes into your insurance bill than just your home state. Read on to learn more.

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Which is the Best Company For Young Drivers?

Bristol West Concord Group
18-year-old drivers$785$155
25-year-old drivers$357$74

You might already know that teen drivers normally pay a lot more for auto insurance than any group on the road. It's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Concord Group for their car insurance pay more than $500 less than those who use Bristol West.

But both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for Bristol West policyholders lower nearly 55% and Concord Group's rates reduce over 50% over that time.

Which is the Best Company for Retired Drivers?

Bristol West Concord Group
65+-year-old drivers$364$54

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever find.

When looking at Bristol West and Concord Group specifically, which company is best for retired drivers? Concord Group gets the edge here, with average prices coming in at about $54 per month compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

Bristol West Concord Group

Did you know that car insurance premiums are generally cheaper for married drivers than they are for single drivers? That's usually because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Concord Group is the clear winner for single policyholders, with rates around $377 a month less expensive than Bristol West, on average. The advantage for married policyholders with Concord Group is also obvious, where drivers save almost 85% per month.

Bristol West vs. Concord Group: Average Rates by Gender

Bristol West Concord Group

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

Surprisingly, women normally pay about $1 a month more than men with Bristol West, and around $10 less with Concord Group.

When it comes to the most affordable prices for each gender, Concord Group offers the lowest average rates for both men and women. On average, women save about $343 per month and men save about $332 with Concord Group compared to the average Bristol West policyholder.

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Bristol West or Concord Group: Compare State Minimum vs. Full Coverage Rates

Bristol West Concord Group
State Minimum*$279$47
Full Coverage**$544$101

*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 pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability insurance, Concord Group generally offers significantly more affordable prices of $47 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, Concord Group again has the edge, with policies around $450 a month cheaper than Bristol West, on average.

Is Bristol West or Concord Group 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 collisions and tickets lead to higher premiums, but which carrier -- Bristol West or Concord Group -- has the cheapest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Concord Group
Clean Record$339$55
1 Speeding Ticket$439$64

Bristol West policyholders can expect their prices to go up an average of $100 per month if they get a ticket, while Concord Group normally raises premiums about $9 a month, on average.

Even so, Concord Group is usually the more affordable option for both drivers who have a recent speeding ticket and those with clean records, offering rates that are $284 and $375 less expensive, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West Concord Group
Clean Record$339$55
1 At-Fault Accident$479$82

Bristol West drivers who get in a collision can expect to see their premiums increase by just under 30%, while those who have insurance through Concord Group will see around a 35% increase.

Overall, the more affordable prices come from Concord Group, with monthly premiums averaging $82 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Concord Group
Clean Record$339$55
1 DUI$390$95

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than an accident or ticket. Bristol West drivers usually see a 13% increase in their auto insurance rates after a DUI charge, while Concord Group will generally raise prices by about 42%.

If you have a DUI on your record and are looking for more affordable premiums, Concord Group tends to be the much cheaper option with average rates of $95 monthly compared to $390 from Bristol West.

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How does Credit Score Impact Bristol West and Concord Group Rates?

Did you know that many car insurance companies take into account your credit score when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many policyholders.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

Looking specifically at Bristol West and Concord Group, which company has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Bristol West Concord Group
Excellent Credit Score$342$59
Good Credit Score$380$66

If you have solid credit, you'll usually find a better deal with Concord Group. Drivers with "excellent" credit can save just under 85% compared to Bristol West, and those with "good" scores can also expect to see savings -- around $314 or 83% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Bristol West Concord Group
Fair Credit Score$413$74
Poor Credit Score$556$97

Concord Group typically offers lower premiums than Bristol West when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $339 per month less with Concord Group compared to Bristol West, and those with "poor" scores typically save an average of around $459 a month.

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

Bristol West Concord Group
6,000 Annual Miles$410$73
12,000 Annual Miles$413$75

How much you drive can have a big impact on your monthly insurance cost. Normally, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

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 more affordable option. Concord Group's average rates for drivers with 6,000 annual miles come in about 82% cheaper than Bristol West. Those who drive 12,000 miles annually can expect to pay around 82% less with Concord Group over Bristol West.

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

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

Bristol West Concord Group
Urban Areas$539$81
Suburban Areas$386$76
Rural Areas$309$66

When comparing these two carriers side-by-side, Concord Group typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both companies, but Concord Group comes out on top with average rates about $66 per month. Concord Group also has less expensive average prices for drivers in urban and suburban ZIP codes -- a $458 and $310 a month respective difference when compared to Bristol West policyholders in similar areas.

Bristol West 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, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Below, we've taken a look at all of the different discounts Bristol West and Concord Group offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Bristol West Concord Group
ABS Discount
Advance Quote Discount
Anti-Theft Discount
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Good Driving Discount 
Group Discount 
Homeowner Discount 
Life Policy Discount 
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount
Multi-Policy Discount
New Business Discount 
Paid In Full Discount 
Paperless Discount
Passive Restraint Discount 

Overall, Bristol West has the advantage when it comes to total number of discounts. Concord Group offers a grand total of 13 discounts, while Bristol West has 18.

There are a couple discounts both carriers offer, but Bristol West also offers continuous insurance discounts, distant student discounts, EFT discounts, and more that Concord Group does not.

On the flip side, Concord Group has a couple unique discounts of its own -- COVID-19 relief discount, group discounts, life policy discounts, and more.

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Final Thoughts: Is Bristol West or Concord Group Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. But, when it comes down to it, which carrier is the right one for you and your specific needs?

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

  • You have a DUI charge on your record.
  • You live in an suburban area.
  • You've started working from home and don't have much of a commute.

Bristol West might be best for you if...

  • You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Bristol West and Concord Group. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Bristol West and Concord Group. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

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Bristol West vs. Concord Group FAQs

Is Bristol West or Concord Group cheaper?

Looking just at the national average premiums, Concord Group is the cheaper of the two carriers, offering average rates of $74 per month compared to $412 for Bristol West. But Concord Group won't necessarily be the most affordable company for each driver, since there are many different variables that come into play when it comes to your auto insurance bill.

Who is better, Bristol West or Concord Group?

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

Why do Bristol West and Concord Group offer me different rates?

Insurance companies take a look at quite a few different factors when determining the rates they charge drivers. Things such as your driving record, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Bristol West 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 multiple different carriers.

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

The only way to find the auto 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, does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Bristol West or Concord Group at all!


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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