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

How do MMG and Patriot compare when it comes to auto insurance rates and discounts? If you want to find out which carrier has the best prices for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, MMG offers significantly less expensive premiums than Patriot
  • MMG has more affordable prices for policyholders who drive a short distance to work everyday
  • Patriot offers cheaper average premiums for drivers who have a speeding ticket on their driving record

MMG 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 pretty big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to MMG or Patriot, but which one has less expensive rates for insurance?

MMG Patriot

Looking at the national average rates for both carriers, MMG has average rates that are around 40% a month cheaper than those from Patriot.

But that doesn't necessarily mean MMG will be the more affordable option for every single driver. Car insurance companies vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and tons of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

Wanting to know if MMG or Patriot is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

MMG vs. Patriot: Average Car Insurance Rates by State

State MMG Patriot

MMG and Patriot only compete against each other in two states, with MMG offering cheaper prices to the average driver in all of them. New Hampshire has the most noticable difference, where MMG premiums are $98 more affordable than auto insurance rates at Patriot.

There are plenty of other factors that go into your car insurance payment than just the state you live in. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

MMG Patriot
18-year-old drivers$253$428
25-year-old drivers$123$187

You might already know that teen drivers usually pay a lot more for auto insurance than any other group of drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an 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 MMG for their insurance pay almost 40% less than those who use Patriot.

However, both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for MMG policyholders decrease about $150 and Patriot's rates reduce nearly $250 over that time.

Which is the Best Company for Retired Drivers?

MMG Patriot
65+-year-old drivers$83$128

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums out there.

When looking at MMG and Patriot specifically, which company is best for retired drivers? MMG gets the edge, with prices for drivers 65 and older $45 less expensive than the national average for Patriot.

Which is the Best Company for Married Drivers?

MMG Patriot

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

For those who are single, the difference in average rates between these two carriers is significant, with MMG prices coming in at a third less than Patriot's. The advantage for married drivers with MMG is also obvious, where drivers save around $55 per month.

MMG or Patriot: Average Rates by Gender

MMG Patriot

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will typically end up paying a little more.

On average, women see premiums almost 15% a month less with MMG, but with Patriot, the difference is closer to 9% per month.

Looking at overall affordability, MMG comes out on top for both men and women. On average, women save about $72 a month and men save about $73 with MMG compared to the average Patriot policyholder.

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MMG vs. Patriot: Compare State Minimum vs. Full Coverage Rates

MMG Patriot
State Minimum*$77$80
Full Coverage**$160$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.

For most people, insurance isn't the easiest topic to understand. There are a variety of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, MMG has the slight edge, with average monthly prices coming in at $77. If you want a full coverage policy with the same state minimum limits, MMG again has the edge, with policies averaging around $160 per month to Patriot's $303.

Is MMG or Patriot Better for Drivers with Spotty Records?

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which carrier -- MMG or Patriot -- has the lowest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

MMG Patriot
Clean Record$90$84
1 Speeding Ticket$111$107

Policyholders who use MMG for their insurance can usually expect their monthly bill to go up about 19% after getting a speeding ticket. Patriot policyholders can expect a bit more drastic of an increase of around 21%.

That being said, Patriot tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering rates that are 7% and 4% cheaper, respectively, compared to MMG Insurance.

Which Company is Best for Drivers After an Accident?

MMG Patriot
Clean Record$90$84
1 At-Fault Accident$122$103

After an accident, drivers who have their car insurance through MMG can expect to see about an $32 -- or around 26% -- rise in their auto insurance premiums. Drivers who use Patriot for their car insurance will see a monthly bill about $19 (or 18%) more expensive after reporting an accident to their insurance company.

At the end of the day, Patriot offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $103 compared to MMG Insurance's $122.

Which Company is Best for Drivers with a DUI?

MMG Patriot
Clean Record$90$84
1 DUI$151$472

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than a collision or speeding ticket. On average, Patriot will raise your premiums around 82% after a DUI, while MMG's average prices climb by more than 40%.

But if you end up with a DUI charge and are looking for more affordable premiums, MMG tends to be less expensive for the average driver, with monthly premiums coming in at about $151 to Patriot's $472.

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How does Credit Score Impact MMG and Patriot Rates?

Did you know many insurance companies take into account your credit score when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for many drivers.

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 more affordable premiums.

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

Which Company is Best for Drivers with Good Credit?

MMG Patriot
Excellent Credit Score$76$160
Good Credit Score$94$171

If you have great credit, MMG will normally reward you the most. For policyholders with "excellent" credit scores, MMG comes in nearly 52.5 less expensive. Drivers with "good" credit scores generally save around 45% with MMG compared to average rates from Patriot.

Which Company is Best for Drivers with Bad Credit?

MMG Patriot
Fair Credit Score$118$187
Poor Credit Score$186$247

MMG typically offers lower prices than Patriot when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 37% a month less with MMG compared to Patriot, and those with "poor" scores usually save an average of around 25% a month.

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

MMG Patriot
6,000 Annual Miles$118$191
12,000 Annual Miles$118$191

Did you know that the amount of time you spend in your car have a substantial impact on how much car insurance companies will charge for coverage? Typically, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither MMG or Patriot report increasing rates for drivers with higher annual mileage figures. MMG comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average prices of $118 per month for both.

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

Where you live can play a sizable role in how much you pay for auto insurance. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

MMG Patriot
Urban Areas$120$193
Suburban Areas$131$198
Rural Areas$104$183

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

Those in rural areas can expect to pay about $104 per month with MMG compared to Patriot's $183. People in suburban areas pay around $131 with MMG compared to Patriot's $198 monthly. For drivers in urban ZIP codes, MMG's average premiums are about $120 a month compared to Patriot's $193.

MMG vs. Patriot Discounts

No matter why you might be in the market for a new car 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 with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by MMG and Patriot so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

MMG Patriot
Advance Quote Discount 
Defensive Driver Discount
Distant Student Discount
EZ-Pay Credit Discount 
Full Coverage Discount 
Good Driving Discount 
Good Student Discount 
Life Policy Discount 
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
Paid In Full Discount 
Passive Restraint Discount 
Renewal Discount

Overall, Patriot has the advantage when it comes to total number of discounts. MMG offers a grand total of seven discounts, while Patriot has 11.

A couple of those are overlapping for things like discounts for being a defensive driver, multi-policy discounts, and renewal discounts. Patriot also offers discounts for advance quote, full coverage, good driving, and more.

On the other hand, MMG has a few proprietary discounts of their own for things like ez-pay credit discounts, good student discounts, and new business discounts.

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Final Thoughts: Is MMG or Patriot Best for You?

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

MMG might be best for you if....

  • Your driving record includes a DUI charge.
  • Your neighborhood is in the suburbs.
  • You drive fewer than 6,000 miles yearly.

Patriot might be best for you if...

  • You've received a ticket for speeding recently and don't want to see your premiums increase.
  • You have an at-fault accident on your record.
  • You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between MMG and Patriot. We also hope we've given you the information you need to make the best decision when it comes to 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 insurance -- comparing quotes from a handful of carriers, not just MMG and Patriot. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

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MMG vs. Patriot FAQs

Is MMG or Patriot cheaper?

MMG is the less expensive of the two carriers when looking at national average rates, with policies averaging $118 per month with MMG and $191 for Patriot. Even so, that doesn't mean MMG will be the most affordable carrier for every driver, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, MMG or Patriot?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, MMG is cheaper for drivers who have less-than-stellar credit scores, while Patriot offers more affordable prices for drivers with an at-fault collision on their record.

Why do MMG and Patriot offer me different rates?

Car insurance companies use lots of different variables when calculating the premiums they charge. Factors such as where your home is, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both MMG and Patriot calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple 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 area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't MMG 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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