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

Quick Facts

• In general, Concord Group offers significantly more affordable prices than Union Mutual
• Concord Group offers more discounts than Union Mutual
• Concord Group has less expensive premiums for drivers with a DUI charge on their record

Concord Group vs. Union Mutual: 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 big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Concord Group or Union Mutual, but which one will save you the most?

As you can see, Concord Group has average rates that are about 45% per month cheaper than those from Union Mutual when looking at the national average rates for auto insurance.

However, that doesn't mean Concord Group will necessarily be less expensive than Union Mutual for every driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your age, where you call home, or even your driving record (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

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

Concord Group or Union Mutual: Average Car Insurance Rates by State

Concord Group and Union Mutual only compete against each other in Vermont, where Concord Group offers the cheaper average rates. For Vermont residents, Concord Group offers auto insurance for $75 a month on average. Union Mutual's average prices come out to be over 70% more expensive, at $132 per month.

That being said, there's a lot more that goes into your car insurance cost than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

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

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Concord Group over Union Mutual.

That being said, with both carriers, you'll see your premiums decrease significantly once you turn 25. For example, average rates for Concord Group policyholders drop more than 50% and Union Mutual's premiums reduce over 70% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest car insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Concord Group and Union Mutual specifically, which carrier is best for retired drivers? Concord Group gets the edge, with prices for drivers 65 and older almost 45% cheaper than the national average for Union Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more affordable for married policyholders than they are for single drivers. That's because policies for married drivers generally cover several cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Concord Group is the clear winner for single policyholders, with prices around $70 per month cheaper than Union Mutual, on average. The advantage for married couples with Concord Group is also obvious, where drivers save nearly 45% a month.

Concord Group vs. Union Mutual: Average Rates by Gender

Men usually pay more for insurance than women. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher rates.

Normally, women see premiums almost 15% per month less with Concord Group, while with Union Mutual, the difference is closer to 10% a month.

Looking at the data for each company specifically, Concord Group comes out as the cheapest option for both genders. On average, male drivers save about $60 per month and women save about $56 with Concord Group compared to the average Union Mutual policyholder.

Concord Group or Union Mutual: 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.

It's no secret that auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

Even so, 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 a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Concord Group normally offers slightly less expensive rates of $47 compared to Union Mutual's $48. When it comes to full coverage policies with similar limits, Concord Group again has the edge, with policies around $100 a month more affordable than Union Mutual, on average.

Is Concord Group or Union Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault accidents and tickets will most likely raise your prices, but is Concord Group or Union Mutual less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Concord Group policyholders can expect their premiums to go up an average of $9 per month if they get a ticket, while Union Mutual typically raises prices about $4 a month, on average.

But Concord Group has more affordable premiums for drivers in both categories, offering rates that are 38% and 30% cheaper, respectively, compared to Union Mutual.

Which Company is Best for Drivers After an Accident?

Concord Group drivers who get in an accident can expect to see their prices increase by over $25, while those who have insurance through Union Mutual will see around a $15 increase.

Overall, Concord Group offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $82 compared to Union Mutual's $103.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than a collision or speeding ticket. Union Mutual drivers usually see a 64% increase in their insurance premiums after a DUI charge, while Concord Group will typically raise rates by about 42%.

If you have a DUI on your record and are looking for more affordable prices, Concord Group tends to be the much less expensive option with average premiums of $95 monthly compared to $244 from Union Mutual.

How does Credit Score Impact Concord Group and Union Mutual Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for several policyholders.

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

So, which carrier offers the lowest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Concord Group. Policyholders with "excellent" credit can save over 40% compared to Union Mutual, and those with "good" scores can also expect to see savings -- around $41 or 38% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Concord Group typically offers lower prices than Union Mutual when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $53 per month less with Concord Group compared to Union Mutual, and those with "poor" scores generally save an average of around $97 per month.

Is Concord Group or Union Mutual 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 pretty big impact on your monthly rates? Normally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

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

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

Where you call home can have a considerable impact on your monthly insurance payment. Usually, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the road in those areas, which reduces the chances of an accident.

Concord Group tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save around $66 with Concord Group compared to Union Mutual. Drivers in suburban ZIP codes pay about $59 less with Concord Group compared to Union Mutual. In urban areas, Concord Group Insurance's average premiums are around $47 less than Union Mutual.

Concord Group vs. Union Mutual Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

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

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

Looking at the total number of discounts, Concord Group comes out ahead with 13 discounts to Union Mutual's 10.

There are a couple discounts both carriers offer, but Concord Group also offers advance quote discounts, COVID-19 relief discount, defensive driver discounts, and more that Union Mutual does not.

On the flip side, Union Mutual has a couple unique discounts of its own -- company car discounts, discounts for getting driver training, discounts for being a good student, and more.

Final Thoughts: Is Concord Group or Union Mutual Best for You?

So, you've seen how different variables can affect your insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Concord Group or Union Mutual the best company for you and your specific driver profile?

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

• You're single and purchasing car insurance by yourself.
• You're looking for the carrier with the most discounts.
• You are over 65 years old and want to save some money on your auto insurance.

Union Mutual might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Concord Group and Union Mutual and that it aids in making a more informed 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 auto insurance policy is to compare quotes from several companies, not just Concord Group and Union Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Concord Group vs. Union Mutual FAQs

Is Concord Group or Union Mutual cheaper?

Looking just at the national average prices, Concord Group is the more affordable of the two companies, offering average rates of $74 a month compared to $132 for Union Mutual. However, Concord Group won't necessarily be the cheapest company for every policyholder, since there are a bunch of different factors that are considered when it comes to your auto insurance bill.

Who is better, Concord Group or Union Mutual?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do Concord Group and Union Mutual offer me different rates?

Car insurance carriers take a look at lots of different variables when calculating the rates they charge policyholders. Factors like age, gender, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be used. Both Concord Group and Union Mutual calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance carrier 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Concord Group or Union Mutual 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.