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

Quick Facts

• Based on national averages for auto insurance, Union Mutual offers significantly more affordable premiums than Vermont Mutual
• Union Mutual tends to be a much cheaper option for drivers who have received a ticket within the last few years
• Vermont Mutual offers more discounts than Union Mutual

Union Mutual vs. Vermont Mutual: Which Company has the Cheapest Car Insurance?

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

You might be considering Union Mutual or Vermont Mutual for your next policy, but which one will save you the most?

Looking at nationwide averages, Union Mutual is about $41 per month less expensive than Vermont Mutual.

However, Union Mutual may not be the most affordable or best option for every driver out there. Insurance companies vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and tons of other factors, so premiums could vary drastically from person to person.

Luckily, we've broken down average prices from both Union Mutual and Vermont Mutual by a range of different rate factors, so read on to find out which company is the best for you.

Union Mutual or Vermont Mutual: Average Car Insurance Rates by State

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That being said, there are plenty of other factors that go into your insurance bill than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group out there on the road. That's usually because young, inexperienced 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 prices, 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 auto insurance pay $3 less than those who use Vermont Mutual.

That being said, with both carriers, you'll see your rates reduce significantly by the time you turn 25. For example, average prices for Union Mutual policyholders lower nearly $250 and Vermont Mutual's premiums drop around $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Union Mutual and Vermont Mutual specifically, which carrier is best for retired drivers? Union Mutual gets the edge, with premiums for drivers 65 and older $34 more affordable than the national average for Vermont Mutual.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper insurance rates than those who are single. This usually boils down to married drivers having multiple cars on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Union Mutual is the clear winner for single drivers, with premiums about $38 a month less expensive than Vermont Mutual, on average. The advantage for married couples with Union Mutual is also obvious, where drivers save almost $45 per month.

Union Mutual vs. Vermont Mutual: Average Rates by Gender

Did you know men tend to pay more for insurance than women? This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim.

Usually, women see prices more than 10% a month less with Union Mutual, and around 8% less with Vermont Mutual.

When it comes to the lowest premiums for each gender, Union Mutual offers the cheapest average prices for both men and women. On average, women save about $41 per month and men save about $41 with Union Mutual compared to the average Vermont Mutual policyholder.

Union Mutual or Vermont 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.

For most people, auto insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for multiple 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.

Even so, the most common 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 a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Union Mutual normally offers significantly cheaper rates of $48 compared to Vermont Mutual's $85. When it comes to full coverage policies with similar limits, Union Mutual again has the edge, with policies around $45 a month less expensive than Vermont Mutual, on average.

Is Union Mutual or Vermont 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.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two carriers offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Union Mutual policyholders can expect their rates to go up an average of $4 per month if they get a ticket, while Vermont Mutual usually raises prices about $7 a month, on average.

But Union Mutual tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $29 and $32 more affordable, respectively, compared to Vermont Mutual.

Which Company is Best for Drivers After an Accident?

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

Overall, drivers who use Union Mutual end up with the cheaper prices after an accident, with monthly prices averaging $103 compared to Vermont Mutual's $144.

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 ticket when it comes to your car insurance bill. Vermont Mutual drivers usually see a 62% climb in their auto insurance rates after a DUI charge, while Union Mutual will typically increase prices by about 64%.

If you have a DUI on your record and are looking for more affordable premiums, Union Mutual tends to be the much cheaper option with average rates of $244 per month compared to $307 from Vermont Mutual.

How does Credit Score Impact Union Mutual and Vermont Mutual Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect a lot of policyholders out there.

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

So, which company offers the lowest prices 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 Union Mutual or Vermont Mutual Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither Union Mutual or Vermont Mutual report increasing rates 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 car annually, with average prices of $132 per month for both.

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

Where your home is can play a large role in how much you pay for auto insurance. Generally, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which reduces the chances of an accident.

Union Mutual boasts the cheapest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $132 a month with Union Mutual compared to Vermont Mutual's $152. People in suburban areas pay a monthly premium of about $135 with Union Mutual compared to $169 with Vermont Mutual. For drivers in urban ZIP codes, Union Mutual's average prices are around $128 while Vermont Mutual offers premiums about $199.

Union Mutual vs. Vermont Mutual Discounts

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

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

Below, we've broken down all of the different discounts offered by both Union Mutual and Vermont Mutual so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Vermont Mutual comes out ahead with 14 discounts to Union Mutual's 10.

There are a couple discounts both carriers offer, but Vermont Mutual also offers advance quote discounts, annual mileage discounts, distant student 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 and hybrid vehicle discounts.

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. But, when it comes down to it, is Union Mutual or Vermont Mutual the best fit for you?

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

• You have a clean record.
• You live in an suburban area.
• You are over 65 years old and want to save some money on your auto insurance.

Vermont Mutual 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 Union Mutual and Vermont Mutual. We also hope we've given you the information you need to make the best decision when it comes to your car 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 multiple carriers, not just Union Mutual and Vermont Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Union Mutual vs. Vermont Mutual FAQs

Is Union Mutual or Vermont Mutual cheaper?

Looking just at the national average prices, Union Mutual is the less expensive of the two carriers, offering average rates of $132 a month compared to $173 for Vermont Mutual. Even so, Union Mutual won't necessarily be the most affordable carrier for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Union Mutual or Vermont Mutual?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Union Mutual and Vermont Mutual offer me different rates?

Insurance companies take a look at several different factors when determining the rates they charge drivers. Things like your driving record, age, gender, where you park your car, and sometimes even things like your credit score can all come into play. Both Union Mutual and Vermont Mutual calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Union Mutual or Vermont 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.