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

Want to know if Concord Group or Patriot is the better choice for insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Concord Group offers significantly cheaper prices than Patriot
  • Concord Group offers more affordable average rates for drivers with a DUI
  • Concord Group has less expensive premiums for policyholders who drive fewer than 6,000 miles yearly

Concord Group or Patriot: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Concord Group or Patriot, but between the two, which carrier will save you the most?

Concord Group Patriot

Looking at nationwide averages, Patriot has average rates that are around 60% a month more expensive than those from Concord Group.

But Concord Group may not be the most affordable or best option for each driver out there. Auto insurance carriers use tons of complex algorithms to determine prices, so depending on where you live or how good your credit score is (among many other factors), you could see wildly different rates from the ones above.

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

Concord Group vs. Patriot: Average Car Insurance Rates by State

State Concord Group Patriot

Concord Group and Patriot only compete against each other in three states, with Concord Group offering cheaper premiums to the average driver in all of them. New Hampshire has the most noticable difference, where Concord Group rates are $155 more affordable than car insurance premiums at Patriot.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your rates. Read on to learn more.

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Which is the Best Company For Young Drivers?

Concord Group Patriot
18-year-old drivers$155$428
25-year-old drivers$74$187

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. That's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, 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 over 65% less per month by choosing Concord Group over Patriot.

Even so, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. For example, average rates for Concord Group policyholders lower about $80 and Patriot's prices decrease around $250 over that time.

Which is the Best Company for Retired Drivers?

Concord Group Patriot
65+-year-old drivers$54$128

Once you approach retirement age, you'll usually enjoy the lowest auto insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best prices for retired drivers between Concord Group and Patriot? Concord Group gets the edge, with rates for drivers 65 and older $74 less expensive than the national average for Patriot.

Which is the Best Company for Married Drivers?

Concord Group Patriot

Did you know that car insurance premiums are typically more affordable for married couples than they are for single policyholders? This usually boils down to married drivers having several vehicles on their policy -- something a lot of insurance companies will reward with discounts.

For those who are single, the difference in average prices between these two carriers is significant, with Concord Group premiums coming in at about a third of Patriot's. The advantage for married policyholders with Concord Group is also obvious, where drivers save almost 65% a month.

Concord Group or Patriot: Average Rates by Gender

Concord Group Patriot

Men tend to pay more for auto insurance than women. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

Generally, women see rates nearly 15% per month less with Concord Group, and almost 10% less with Patriot when compared to their male counterparts.

Looking at the data for each carrier specifically, Concord Group offers the cheapest average premiums for both men and women. On average, women save about $113 a month and men save around $121 with Concord Group compared to the average Patriot policyholder.

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Concord Group vs. Patriot: Compare State Minimum vs. Full Coverage Rates

Concord Group Patriot
State Minimum*$47$80
Full Coverage**$101$303

*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.

Car insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, 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 Patriot's $303.

Is Concord Group or Patriot 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 Concord Group or Patriot less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Concord Group Patriot
Clean Record$55$84
1 Speeding Ticket$64$107

Policyholders who use Concord Group for their car insurance can normally expect their monthly bill to go up around 14% after getting a speeding ticket. Patriot policyholders can expect a bit more drastic of an increase of about 21%.

Even so, Concord Group tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 35% cheaper for drivers with clean records and 40% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Concord Group Patriot
Clean Record$55$84
1 At-Fault Accident$82$103

Concord Group drivers who get in a collision can expect to see their premiums rise by over $25, while those who have insurance through Patriot will see around a $20 increase.

At the end of the day, the cheaper prices come from Concord Group, with average rates coming in at $82 compared to Patriot Insurance's $103.

Which Company is Best for Drivers with a DUI?

Concord Group Patriot
Clean Record$55$84
1 DUI$95$472

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. Patriot drivers usually see a 82% raise in their auto insurance premiums after a DUI charge, while Concord Group will usually climb prices by about 42%.

But if you end up with a DUI charge and are looking for more affordable rates, Concord Group tends to be less expensive for the average driver, with monthly premiums coming in at around $95 to Patriot's $472.

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How does Credit Score Impact Concord Group and Patriot Rates?

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

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

Looking specifically at Patriot and Concord Group, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Concord Group Patriot
Excellent Credit Score$59$160
Good Credit Score$66$171

If you have solid credit, Concord Group will typically reward you the most. For drivers with "excellent" credit scores, Concord Group comes in nearly 63.13 more affordable. Drivers with "good" credit scores normally save about 61% with Concord Group compared to average premiums from Patriot.

Which Company is Best for Drivers with Bad Credit?

Concord Group Patriot
Fair Credit Score$74$187
Poor Credit Score$97$247

Concord Group typically offers lower rates than Patriot when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 60% a month less with Concord Group compared to Patriot, and those with "poor" scores typically save an average of about 61% monthly.

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

Concord Group Patriot
6,000 Annual Miles$73$191
12,000 Annual Miles$75$191

How much you drive can have a substantial impact on how much car insurance companies will charge for coverage. Generally, the more milage you put on your vehicle each year, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Patriot charges. However, there's a small difference in monthly prices for Concord Group, with policyholders who drive 6,000 miles every year paying around $2 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Concord Group is the less expensive company.

Concord Group or Patriot: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly insurance payment. Usually, 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 where they live.

Concord Group Patriot
Urban Areas$81$193
Suburban Areas$76$198
Rural Areas$66$183

When comparing these two carriers side-by-side, Concord Group normally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Concord Group Insurance's average prices are about $112 less than Patriot Insurance. People who live in suburban areas pay around $122 less with Concord Group compared to Patriot. Those in rural areas can expect to save about $117 with Concord Group compared to Patriot.

Concord Group vs. Patriot Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Concord Group and Patriot so that you can see which one can save you the most money each month.

Concord Group Patriot
ABS Discount 
Advance Quote Discount
Anti-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Full Coverage Discount 
Good Driving Discount 
Group Discount 
Life Policy Discount
Multi-Car Discount
Multi-Policy Discount
New Business Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 
Renewal Discount 
Safe Car Discount 
Welcome Back Discount 

Overall, Concord Group has a slight advantage when it comes to total number of discounts. Patriot offers a grand total of 11 discounts, while Concord Group has 13.

A couple of those are overlapping for things like advance quote discounts, life policy discounts, and multi-policy discounts. Concord Group also offers discounts for ABS, anti-theft, COVID-19 relief, and more.

On the other hand, Patriot has a few proprietary discounts of their own for things like distant student discounts, full coverage discounts, good driving discounts, and more.

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

So, we've broken down the average rates for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, is Concord Group or Patriot the best carrier for you and your specific profile and needs?

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

  • Your driving record contains an at-fault accident.
  • You're looking for the best premiums on liability only coverage.
  • You drive fewer than 12,000 miles every year.

Patriot might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Concord Group and Patriot. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Concord Group and Patriot. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

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Concord Group vs. Patriot FAQs

Is Concord Group or Patriot cheaper?

Concord Group is the cheaper of the two carriers when looking at national average prices, with policies averaging $74 per month with Concord Group and $191 for Patriot. But that doesn't mean Concord Group will be the most affordable company for each driver, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Concord Group or Patriot?

Sadly, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Concord Group and Patriot offer me different rates?

Auto insurance companies use many different variables when calculating the rates they charge. Things such as where you call home, gender, age, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Concord Group and Patriot calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Concord Group or Patriot 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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