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

Quick Facts

• In general, Concord Group offers significantly more affordable premiums than Safety
• Concord Group offers less expensive average rates for policyholders who have a short commute
• Safety offers more discounts than Concord Group Insurance

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

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

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

As you can see, Concord Group is quite a bit cheaper than Safety, with prices averaging $74 per month compared to $217 with Safety when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean Concord Group will be the cheaper option for every driver. Insurance companies vary their rates depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and all sorts of other factors, so premiums could vary drastically from person to person.

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

Concord Group or Safety: Average Car Insurance Rates by State

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

There are plenty of other factors that go into your auto insurance cost than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's normally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Concord Group save more than $250 a month compared to those who use Safety.

But both carriers will offer you dramatically lower prices by the time you turn 25. Safety offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Concord Group still has the most affordable premiums at $74 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance prices you'll ever see. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase rates.

So, which company offers the best prices to retired drivers? Concord Group gets the edge here, with average premiums coming in at about $54 per month compared to Safety's $164.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance rates than married policyholders. This usually boils down to married drivers having multiple cars on their policy -- something lots of car insurance companies will reward with discounts.

When it comes to relationship status, Concord Group is the clear winner for single drivers, with prices around $151 per month more affordable than Safety, on average. The advantage is also clear for married couples - Concord Group offers the cheapest average premiums.

Concord Group vs. Safety: Average Rates by Gender

Men tend to pay more for insurance than women. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim.

Usually, women see rates about $10 a month less expensive with Concord Group, while with Safety, the difference is closer to $11 per month.

Looking at overall affordability, Concord Group comes out on top for both men and women, with average premiums $144 less for men and $143 cheaper for women.

Concord Group or Safety: 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, auto insurance isn't the easiest topic to understand. There are several different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Concord Group typically offers significantly cheaper rates of $47 compared to Safety's $122. When it comes to full coverage policies with similar limits, Concord Group again has the edge, with policies around $200 a month less expensive than Safety, on average.

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

You've probably seen plenty of commercials from car insurance carriers 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 collisions lead to higher premiums, but which carrier -- Concord Group or Safety -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Concord Group policyholders can expect their prices to go up an average of $9 per month if they get a ticket, while Safety normally raises rates about $61 a month, on average.

However, Concord Group is usually the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $74 per month and drivers with a ticket can save about $126 a month with Concord Group Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with Safety raising by over $95. Concord Group has a less extreme rise, but you can still expect to pay more than $25 more than you were prior to your first collision.

Overall, drivers who use Concord Group end up with the cheaper prices after an accident, with monthly premiums averaging $82 compared to Safety Insurance's $226.

Which Company is Best for Drivers with a DUI?

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. For example, Safety increases average prices by just under $200 per month -- that's over a 60% increase.

If you have a DUI on your record and are looking for more affordable rates, Concord Group tends to be the much cheaper option with average premiums of $95 monthly compared to $324 from Safety.

How does Credit Score Impact Concord Group and Safety Rates?

Did you know that many insurance carriers take your credit score into account when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for several drivers.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a substantial impact on your monthly car insurance payment? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Concord Group tends to be the less expensive option. Concord Group average rates for drivers with 6,000 annual miles come in nearly $150 more affordable than Safety. Those who drive 12,000 miles each year can expect to pay just under $150 less with Concord Group over Safety.

Concord Group vs. Safety: 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 auto insurance, but the type of area you live in can have a large 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.

Concord Group boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest rates from both carriers, but Concord Group comes out on top with average premiums around $66 a month. Concord Group also has cheaper average prices for drivers in urban and suburban ZIP codes -- a 71% and 66% a month respective difference when compared to Safety policyholders in similar areas.

Concord Group vs. Safety Discounts

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

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've compared all of the different discounts offered by Concord Group and Safety so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both companies offer, but Safety also offers annual mileage discounts, book transfer policy discounts, distant student discounts, and more that Concord Group does not.

On the flip side, Concord Group has a couple unique discounts of its own -- ABS discounts, COVID-19 relief discount, discounts for being a defensive driver, and more.

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

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Concord Group or Safety the right carrier for you, your vehicle, and your wallet?

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

• Your credit is below-average.
• You're looking for more protection with "full coverage" car insurance.
• You and your spouse are buying insurance together.

Safety might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Concord Group and Safety and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Concord Group and Safety. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Concord Group vs. Safety FAQs

Is Concord Group or Safety cheaper?

Looking just at the national average premiums, Concord Group is the more affordable of the two companies, offering average rates of $74 per month compared to $217 for Safety. That being said, Concord Group won't necessarily be the most affordable carrier for every driver, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Concord Group or Safety?

Unfortunately, the answer truly is "it depends.". One company is not "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Concord Group and Safety offer me different rates?

Car insurance carriers take a look at a lot of different factors when determining the prices they charge drivers. Variables such as where your home is, where you live, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Concord Group and Safety use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of carriers 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 information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Concord Group or Safety 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.