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

Quick Facts

• In general, Union Mutual offers significantly cheaper premiums than Patriot
• Patriot offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Union Mutual offers less expensive average rates for policyholders who live in rural neighborhoods

Patriot or Union Mutual: Which Company has the Cheapest Car Insurance?

Are you considering 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 be considering Patriot or Union Mutual for your next policy, but which one will offer you more affordable prices?

Looking at the national average rates for both carriers, Patriot has average rates that are around 30% a month more expensive than those from Union Mutual.

Even so, that doesn't mean Union Mutual will necessarily be cheaper than Patriot for every driver. Auto insurance companies vary their premiums depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a ton of other factors, so rates will change quite a bit from person to person.

So, if you want to find out which of Patriot or Union Mutual is really the best for you, keep reading to see average prices for each company broken down by several different rate factors.

Patriot vs. Union Mutual: Average Car Insurance Rates by State

Patriot and Union Mutual only compete against each other in Vermont, where Union Mutual offers the cheaper average premiums. Union Mutual drivers tend to pay about $41 per month less on average compared to drivers who use Patriot for their car insurance.

There are plenty of other factors that go into your auto insurance bill than just your home state. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Union Mutual for their insurance pay almost 20% less than those who use Patriot.

However, both carriers will drop prices once you turn 25. Union Mutual offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Patriot's average rates lower over 55% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

So, which carrier offers the best premiums to retired drivers? Union Mutual gets the edge, with rates for drivers 65 and older nearly 25% less expensive than the national average for Patriot.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually more expensive for single drivers than they are for married drivers? This usually boils down to married couples having multiple vehicles on their policy -- something quite a few insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with Union Mutual prices coming in at a quarter less than Patriot's. For married policyholders, the advantage is clear again - Union Mutual has the edge when it comes to average premiums.

Patriot or Union Mutual: Average Rates by Gender

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

Generally, men see rates about $20 a month higher with Patriot, but with Union Mutual, the difference is closer to $14 per month.

Looking at the data for each company specifically, Union Mutual comes out on top for both men and women, with average premiums $61 less for men and $57 cheaper for women.

Patriot vs. 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.

Auto insurance can be a complicated subject for most people. There are a bunch of different coverages that account for many 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.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Union Mutual has the significant edge, with average monthly rates coming in at $48. If you want a full coverage policy with the same state minimum limits, Union Mutual again has the edge, with policies averaging around $216 a month to Patriot's $303.

Is Patriot or Union Mutual Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault accidents and speeding tickets 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?

Policyholders who use Patriot for their car insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Union Mutual policyholders can expect a less drastic increase of around 4%.

If you have gotten a ticket, Union Mutual tends to offer the best rates at about 14% more affordable, while Patriot has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Patriot drivers who get in an accident can expect to see their premiums increase by just under 20%, while those who have insurance through Union Mutual will see around a 15% increase.

At the end of the day, the less expensive prices come from Patriot, with average rates coming in at $103 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 auto insurance bill -- generally a lot more than a collision or speeding ticket. Patriot drivers usually see a 82% increase in their insurance premiums after a DUI charge, while Union Mutual will usually raise prices by about 64%.

But if you end up with a DUI charge and are looking for more affordable rates, Union Mutual tends to be more affordable for the average driver, with monthly premiums coming in at around $244 to Patriot's $472.

How does Credit Score Impact Patriot and Union Mutual Rates?

Did you know many car insurance carriers take your credit score into account when determining premiums? Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for many policyholders.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Union Mutual will typically reward you the most. For policyholders with "excellent" credit scores, Union Mutual comes in nearly 37.5 cheaper. Drivers with "good" credit scores normally save about 37% with Union Mutual compared to average rates from Patriot.

Which Company is Best for Drivers with Bad Credit?

Union Mutual typically offers lower prices than Patriot when it comes to drivers with bad credit. Drivers with "fair" credit pay around 32% per month less with Union Mutual compared to Patriot, and those with "poor" scores generally save an average of about 21% per month.

Is Patriot 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 substantial impact on your monthly auto insurance cost? Typically, the more milage you drive, the more you can expect to pay for car insurance.

In this case, neither Patriot or Union Mutual report increasing premiums for drivers with higher annual mileage figures. Union Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $132 a month for both.

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

Where your home is can have a sizable impact on your monthly insurance payment. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more cars on the roads where they live.

When comparing these two companies side-by-side, Union Mutual normally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $51 with Union Mutual compared to Patriot. People who live in suburban areas pay about $63 less with Union Mutual compared to Patriot. For drivers in urban ZIP codes, Union Mutual's average prices are around $65 less than Patriot Insurance.

Patriot vs. Union Mutual 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 auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Patriot and Union Mutual offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Patriot has a slight advantage when it comes to total number of discounts. Union Mutual offers a grand total of 10 discounts, while Patriot has 11.

A couple of those are overlapping for things like discounts for insuring multiple cars with the same company, passive restraint discounts, and renewal discounts. Patriot also offers discounts for advance quote, defensive driver, distant student, and more.

On the other hand, Union Mutual has a few proprietary discounts of their own for things like ABS discounts, anti-theft discounts, company car discounts, and more.

Final Thoughts: Is Patriot or Union Mutual Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, at the end of the day, is Patriot or Union Mutual the right company for you and your specific profile and needs?

Union Mutual might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums rise.
• You live in an suburban area.
• You have a short commute.

Patriot might be best for you if...

• You have a clean record.
• You have an at-fault collision on your record.
• You're looking for discounts -- Patriot has the most.

Hopefully, this guide helps you get a better idea of the difference between Patriot and Union Mutual and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Patriot and Union Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Patriot vs. Union Mutual FAQs

Is Patriot or Union Mutual cheaper?

Union Mutual is the more affordable of the two companies when looking at national average rates, with policies averaging $132 per month with Union Mutual and $191 for Patriot. That being said, that doesn't mean Union Mutual will be the lowest company for everyone, since there are a range of different variables that come into play when it comes to your insurance bill.

Who is better, Patriot or Union Mutual?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Union Mutual is cheaper for drivers who have less-than-stellar credit scores, while Patriot offers less expensive premiums for policyholders with an at-fault accident on their record.

Why do Patriot and Union Mutual offer me different rates?

Car insurance carriers use lots of different factors when calculating the prices they charge. Things like gender, your driving record, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Patriot and Union Mutual use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Patriot 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 information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Patriot or Union Mutual at all, but another you hadn't even thought of!

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.