Concord Group vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Concord Group offers significantly less expensive rates than United Financial Casualty Company
• Concord Group has cheaper premiums for residents of urban areas
• United Financial Casualty Company offers more discounts than Concord Group Insurance

Concord Group vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might be considering Concord Group or United Financial Casualty Company as potential options, but which company has more affordable prices for insurance?

As you can see, Concord Group has average rates that are about 45% per month less expensive than those from United Financial Casualty Company when looking at the national average rates for car insurance.

But that doesn't necessarily mean Concord Group will be the more affordable option for each driver. Auto insurance companies use a ton of complex algorithms to calculate premiums, so depending on where you live or how good your credit score is (among lots of other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Concord Group or United Financial Casualty Company is really the best for you, keep reading to see average prices for each carrier broken down by lots of different rate factors.

Concord Group or United Financial Casualty Company: Average Car Insurance Rates by State

Concord Group and United Financial Casualty Company only compete against each other in one states, with Concord Group offering cheaper rates to the average driver in all of them. Maine has the most noticable difference, where Concord Group premiums are over 70% less expensive than insurance rates at United Financial Casualty Company.

There are plenty of other factors that go into your auto insurance bill than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

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 insurance pay more than $150 less than those who use United Financial Casualty Company.

That being said, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Concord Group policyholders decrease over $80 and United Financial Casualty Company's rates lower around $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Concord Group and United Financial Casualty Company specifically, which company is best for retired drivers? Concord Group gets the edge here, with average rates coming in at about $54 monthly compared to United Financial Casualty Company's $95.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for those who are single than they are for married couples. That's normally because married policyholders tend to own and insure more than one car, 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 $71 a month cheaper than United Financial Casualty Company, on average. The advantage for married drivers with Concord Group is also obvious, where drivers save nearly 45% per month.

Concord Group vs. United Financial Casualty Company: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into collisions, which means they'll generally end up paying more for auto insurance than women.

On average, men see prices almost 15% a month higher with Concord Group, and about 1% with United Financial Casualty Company.

Looking at the data for each carrier specifically, Concord Group offers the most affordable average premiums for both men and women. On average, women save about $63 per month and men save around $55 with Concord Group compared to the average United Financial Casualty Company policyholder.

Concord Group or United Financial Casualty Company: 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.

Insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

However, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability insurance, Concord Group usually offers significantly more affordable rates of $47 compared to United Financial Casualty Company's $79. When it comes to full coverage policies with similar limits, Concord Group again has the edge, with policies about $85 a month cheaper than United Financial Casualty Company, on average.

Is Concord Group or United Financial Casualty Company Better for Drivers with Spotty Records?

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

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two companies offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Concord Group policyholders can expect their rates to go up an average of $9 per month if they get a ticket, while United Financial Casualty Company typically raises prices around $34 a month, on average.

Even so, Concord Group has more affordable premiums for drivers in both categories, offering rates that are 47% and 53% less expensive, respectively, compared to United Financial Casualty Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Concord Group can expect to see about an $27 -- or around 33% -- increase in their car insurance premiums. Drivers who use United Financial Casualty Company for their auto insurance will see a monthly bill about $55 (or 35%) more expensive after reporting a collision to their insurance company.

Overall, the more affordable prices come from Concord Group, with monthly rates averaging $82 compared to United Financial Casualty Company's $158.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. On average, Concord Group will climb your prices around 42% after a DUI, while United Financial Casualty Company's average premiums increase by just under 25%.

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 rates of $95 per month compared to $134 from United Financial Casualty Company.

How does Credit Score Impact Concord Group and United Financial Casualty Company Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect a lot of drivers out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper premiums.

Looking specifically at United Financial Casualty Company and Concord Group, which one has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Concord Group or United Financial Casualty Company 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 large impact on your monthly premiums? Generally, those who drive less will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

Concord Group tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. United Financial Casualty Company's average prices for drivers with 6,000 annual miles come in just under $60 more expensive than Concord Group. Those who drive 12,000 miles yearly can expect to pay $60 more with United Financial Casualty Company over Concord Group.

Concord Group vs. United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a considerable role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the roads in those areas.

Concord Group tends to offer the cheapest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both companies, but Concord Group comes out on top with average rates about $66 a month. Concord Group also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 42% and 43% per month respective difference when compared to United Financial Casualty Company drivers in similar areas.

Concord Group vs. United Financial Casualty Company 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. That's where auto insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Concord Group and United Financial Casualty Company so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, United Financial Casualty Company comes out ahead with 18 discounts to Concord Group's 13.

Both carriers offer several of the same discounts -- like anti-theft discounts, discounts for insuring multiple cars with the same company, and paperless discounts -- but United Financial Casualty Company also offers continuous insurance discounts, distant student discounts, e-signature discounts, and more that Concord Group does not.

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

Final Thoughts: Is Concord Group or United Financial Casualty Company Best for You?

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right fit for you?

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

• Your credit is less-than-stellar.
• You want basic insurance coverage at the state minimum limits.
• You are purchasing your car insurance with a spouse.

United Financial Casualty Company might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Concord Group and United Financial Casualty Company and that it aids in making a more informed decision about your 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 a handful of companies, not just Concord Group and United Financial Casualty Company. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Concord Group vs. United Financial Casualty Company FAQs

Is Concord Group or United Financial Casualty Company cheaper?

Looking just at the national average premiums, Concord Group is the more affordable of the two companies, offering average rates of $74 a month compared to $133 for United Financial Casualty Company. However, Concord Group won't necessarily be the most affordable company for everyone, since there are multiple different variables that come into play when it comes to your auto insurance payment.

Who is better, Concord Group or United Financial Casualty Company?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Concord Group and United Financial Casualty Company offer me different rates?

Car insurance carriers take a look at several different factors when calculating the prices they charge policyholders. Things such as your driving record, where you park your car, age, gender, and sometimes even things like your credit score can all come into play. Both Concord Group and United Financial Casualty Company calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Concord Group or United Financial Casualty Company is right for me?

The only way to find the 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best company for you might not be Concord Group or United Financial Casualty Company 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.