Co-operative vs. Concord Group: Which Company is the Best Fit for You?

How do Co-operative and Concord Group compare when it comes to car insurance premiums and discounts? If you want to find out which carrier has the best prices for your unique profile, check out our latest guide below.
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Quick Facts

  • In general, Concord Group offers significantly less expensive rates than Co-operative
  • Co-operative may help you save more money -- they offer more discounts than Concord Group Insurance
  • Concord Group offers more affordable prices for drivers who have below-average credit

Co-operative or Concord Group: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Co-operative or Concord Group for your next policy, but which company will save you the most?

Co-operative Concord Group

Looking at nationwide averages, Concord Group is quite a bit cheaper than Co-operative, with rates averaging $74 a month compared to $143 with Co-operative.

But that doesn't mean Concord Group will necessarily be cheaper than Co-operative for every single driver. Insurance carriers vary their premiums depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and all sorts of other factors. So, at the end of the day, rates from every company will differ quite a bit from person to person.

So, if you want to find out which of Co-operative or Concord Group is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

Co-operative vs. Concord Group: Average Car Insurance Rates by State

State Co-operative Concord Group

Co-operative and Concord Group only compete against each other in Vermont, where Concord Group offers the cheaper average premiums. Concord Group drivers tend to pay about $68 per month less on average compared to drivers who use Co-operative for their auto insurance.

There's a lot more that goes into your car 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?

Co-operative Concord Group
18-year-old drivers$297$155
25-year-old drivers$133$74

Teen drivers will almost always have the most expensive insurance rates of any group on the road. That's because teen 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 prices, 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 auto insurance pay almost 50% less than those who use Co-operative.

That being said, both companies will decrease premiums by the time drivers turn 25. Concord Group offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Co-operative's average rates drop over 55% during that same period.

Which is the Best Company for Retired Drivers?

Co-operative Concord Group
65+-year-old drivers$107$54

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

So, which company offers the best prices to retired drivers? Concord Group gets the edge here, with average rates coming in at around $54 per month compared to Co-operative's $107.

Which is the Best Company for Married Drivers?

Co-operative Concord Group

Married drivers tend to get slightly more affordable insurance prices than single drivers. That's because policies for married policyholders typically cover more than one vehicle, which quite a few carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with Concord Group rates coming in at about half of Co-operative's. For married couples, the advantage is clear again - Concord Group has the edge when it comes to average prices.

Co-operative or Concord Group: Average Rates by Gender

Co-operative Concord Group

You may not know, but auto insurance is usually cheaper for women than it is for men. That's because men are more likely to get into accidents and get speeding tickets, which increases the chances of filing a claim with insurance.

With Co-operative, women normally pay around 6% a month less than men, and nearly 15% less with Concord Group when compared to their male counterparts.

Looking at the data for each carrier specifically, Concord Group comes out as the most affordable option for both genders, with average premiums 47% less for men and 50% cheaper for women.

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Co-operative vs. Concord Group: Compare State Minimum vs. Full Coverage Rates

Co-operative Concord Group
State Minimum*$65$47
Full Coverage**$222$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.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

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

Looking specifically at state minimum liability limits, Concord Group has the significant edge, with average monthly rates coming in at $47. If you want a full coverage policy with the same state minimum limits, Concord Group again has the edge, with policies averaging about $101 per month to Co-operative's $222.

Is Co-operative or Concord Group Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your prices, but is Co-operative or Concord Group less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Co-operative Concord Group
Clean Record$105$55
1 Speeding Ticket$105$64

Policyholders with Co-operative insurance policies don't report seeing their premiums increase after getting a ticket, but Concord Group policyholders can expect to see their monthly bill increase by.

Even so, Concord Group is usually the cheaper option for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save around 48% a month with Concord Group Insurance, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Co-operative Concord Group
Clean Record$105$55
1 At-Fault Accident$140$82

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Co-operative climbing by about 25%. Concord Group has a less extreme increase, but you can still expect to pay nearly 35% more than you were prior to your first accident.

At the end of the day, Concord Group offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $82 compared to Co-operative Insurance Companies's $140.

Which Company is Best for Drivers with a DUI?

Co-operative Concord Group
Clean Record$105$55
1 DUI$225$95

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. Co-operative drivers usually see a 53% climb in their car insurance prices after a DUI charge, while Concord Group will typically raise rates by around 42%.

But if you end up with a DUI charge and are looking for more affordable premiums, Concord Group tends to be more affordable for the average driver, with monthly premiums coming in at about $95 to Co-operative's $225.

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How does Credit Score Impact Co-operative and Concord Group Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it will come into play for many drivers.

Auto insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the cheapest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Co-operative Concord Group
Excellent Credit Score$108$59
Good Credit Score$123$66

Which Company is Best for Drivers with Bad Credit?

Co-operative Concord Group
Fair Credit Score$135$74
Poor Credit Score$208$97

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Is Co-operative or Concord Group Better for Drivers who Work from Home or Have Short Commutes?

Co-operative Concord Group
6,000 Annual Miles$143$73
12,000 Annual Miles$143$75

How much you drive can have a considerable impact on your monthly rates. That's because the fewer miles you put on your car, the less likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Co-operative charges. However, there's a small difference in monthly premiums for Concord Group, with drivers who put 6,000 miles on their vehicle annually paying around $2 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Concord Group is the less expensive carrier.

Co-operative or Concord Group: 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 insurance, but the type of area you live in can have a pretty big impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Co-operative Concord Group
Urban Areas$137$81
Suburban Areas$149$76
Rural Areas$145$66

Concord Group tends to offer the most affordable prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about $79 with Concord Group compared to Co-operative. People who live in suburban areas pay around $73 less with Concord Group compared to Co-operative. For drivers in urban ZIP codes, Concord Group Insurance's average premiums are about $56 less than Co-operative Insurance Companies.

Co-operative vs. Concord Group Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Co-operative and Concord Group so that you can see which carrier can save you the most money each month.

Co-operative Concord Group
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Driver Training Discount 
DRL Discount 
Good Driving Discount 
Group Discount
Hybrid Vehicle Discount 
Life Policy Discount 
Multi-Car Discount
Multi-Policy Discount
New Business Discount 
Non-Smoker Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 
Renewal Discount 
Responsible Young Adult Discount 

Looking at the total number of discounts, Co-operative comes out ahead with 15 discounts to Concord Group's 13.

A couple of those are overlapping for things like ABS discounts, anti-theft discounts, and group discounts. Co-operative also offers discounts for driver training, DRL, good driving, and more.

On the other hand, Concord Group has a few proprietary discounts of their own for things like advance quote discounts, COVID-19 relief discount, life policy discounts, and more.

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Final Thoughts: Is Co-operative or Concord Group Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each company offers, too. But, at the end of the day, which carrier is the best company for you and your specific needs?

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

  • You have less-than-stellar credit.
  • You already have a great credit score.
  • You live in a rural area.

Co-operative might be best for you if...

  • You care about discounts (Co-operative offers the most).

Hopefully, this guide helps you get a better idea of the difference between Co-operative and Concord Group and that it aids in making a more informed decision about 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 auto insurance -- comparing quotes from a handful of companies, not just Co-operative and Concord Group. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

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Co-operative vs. Concord Group FAQs

Is Co-operative or Concord Group cheaper?

Concord Group is the more affordable of the two companies when looking at national average premiums, with policies averaging $74 per month with Concord Group and $143 for Co-operative. However, that doesn't mean Concord Group will be the lowest company for everyone, since there are many different factors that are considered when it comes to your car insurance bill.

Who is better, Co-operative or Concord Group?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Co-operative and Concord Group offer me different rates?

Car insurance carriers use a lot of different variables when determining the prices they charge. Things such as age, your driving record, where you live, gender, and sometimes even things like your credit score can all be used. Both Co-operative and Concord Group calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Co-operative 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 multiple carriers and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Co-operative or Concord Group at all, but another you hadn't even thought of!


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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