Is Concord Group Good for Auto Insurance?
Last Updated on October 16, 2026
Concord Group can be a good auto insurance option if you live in Maine, Massachusetts, New Hampshire, or Vermont and prefer working with an independent agent. It’s a regional property and casualty insurer with a long history in New England and an A+ (Superior) financial strength rating from AM Best, which upgraded Concord’s companies to that rating in December 2020.
Below is a practical overview of what Concord Group is, what its car insurance typically covers, and what to confirm with an agent before you buy.
Our Rating of Concord Group
3.7
out of 5
★★★☆☆
Summary
Bottom line: Concord Group can be a strong option for drivers in ME, MA, NH, or VT who want an independent-agent experience with a regional carrier.
Concord Group is a property and casualty insurer founded in 1928 that writes personal auto insurance in Maine, Massachusetts, New Hampshire, and Vermont through the independent agency system. Its appeal is straightforward: a regional footprint, local agent support, and a traditional coverage structure with optional enhancements that vary by state, with the primary limitation being availability outside its New England personal-lines markets.
Best for
- Drivers in ME, MA, NH, or VT who prefer working with an independent agent
- Households looking to bundle auto with home or umbrella coverage
- Shoppers who want a regional insurer with long operating history
Not ideal for
- Drivers who live outside Concord Group’s personal auto states
- Shoppers who want direct-to-consumer, click-to-buy online checkout
- People who prioritize nationwide carriers and broad national availability
What Is Concord Group?
The Concord Group is a property and casualty insurance company that serves individuals and businesses across New England. The company was established in 1928 and sells policies through the independent agency system.
Concord Group’s corporate office is in Bedford, New Hampshire, and it writes personal lines insurance in Maine, Massachusetts, New Hampshire, and Vermont. It works with more than 600 independent agents across the region.
Since April 2017, Concord Group has been affiliated with Michigan-based insurer Auto-Owners Insurance Group. Concord’s site also lists term, whole and universal life insurance; ask your agent which company issues the life policy.
| Concord Group Contact Info | |
|---|---|
| Corporate Office | 35B Constitution Dr., Ste. 101 Bedford, NH 03110 |
| Phone Number | 800-852-3380 |
| Hours | Monday – Friday 8:00 a.m. – 5:00 p.m. |
| Website URL | https://www.concordgroupinsurance.com |
Concord Group Insurance Products
Concord Group offers a mix of personal and business insurance products. Availability and endorsements vary by state, but commonly offered lines include:
| Product | Who It’s For | Common Reasons People Buy It |
|---|---|---|
| Home insurance | Homeowners, condo owners, landlords, and renters | Protect the dwelling, personal property, and liability exposure |
| Auto insurance | Drivers in ME, MA, NH, and VT | Meet state minimum insurance requirements or build higher limits and “full coverage” protection |
| Business insurance | Small to midsize businesses (and select industries) | General liability, commercial property, and commercial auto exposures |
| Umbrella insurance | Households wanting higher liability limits | Extra liability protection above home and auto policies |
How Does Concord Group Auto Insurance Work?
Concord Group auto insurance is designed like most standard policies: you choose coverages, limits, and deductibles with an agent, pay premiums, and file a claim for covered losses. A minimum policy generally focuses on liability, while a “full coverage” setup typically adds collision and comprehensive.
Core Auto Coverages to Know
| Coverage | What It Pays For | When It’s Important |
|---|---|---|
| Liability (BI/PD) | Bodily injury and property damage you cause to others, plus legal defense if you are sued | Required in most states; New Hampshire has different rules than surrounding states |
| Collision | Repairs to your vehicle after an accident, regardless of fault (minus deductible) | Commonly required by lenders/lessors; see collision coverage |
| Comprehensive | Non-collision losses like theft, vandalism, fire, weather, and animal impacts (minus deductible) | Often required by lenders/lessors; see comprehensive coverage |
| Uninsured/Underinsured motorist | Protection if the at-fault driver has no insurance or not enough insurance | Especially relevant if you want broader protection; learn more about uninsured motorist coverage |
| MedPay / PIP | Medical payments and/or personal injury protection for injuries regardless of fault (varies by state) | Useful if you want predictable medical coverage options after a crash |
| Loan/lease gap | May help cover the difference between your vehicle’s value and the amount owed | Most important early in a loan or lease; see gap coverage |
| Roadside assistance | Help with towing, jump starts, lockouts, and related services | Convenient if you want it built into the policy; see roadside assistance |
Quick tip: Ask your agent to quote two versions of your policy—one with minimum limits and one with higher liability limits—so you can see the real cost difference before deciding what protection is worth it.
What Makes Concord Group Auto Insurance Unique?
Concord Group’s biggest differentiators are its regional footprint and independent-agent model. If you’re deciding between a regional insurer and a national carrier, it helps to understand how smaller insurers compare to major auto insurance companies in service approach, availability, and policy options.
Key reasons some drivers choose Concord Group include:
- Independent agents: Policies are sold and serviced through independent agents, which can make it easier to customize coverage and get help with documentation and claims.
- Optional protections: Concord lists new car replacement and accident forgiveness, which it says keeps your premium from rising after your first at-fault accident. It also offers Loan Gap/Lease Gap and Road Trouble Service, its 24/7 roadside help. Concord notes that coverages may not apply in every state.
- Coverage packages: We could not confirm bundled feature packages, expanded glass options or deductible waivers from anything Concord publishes, so ask your agent what your policy form includes (see full glass coverage for how glass options usually work).
- Income protection add-ons: Concord offers Redi-Paycheck, an optional coverage that reimburses lost wages after an accident up to $15,000 for the policyholder and each resident relative, regardless of fault. Availability can vary by state.
Concord Group Discounts
Discounts vary by state and underwriting rules (especially in Massachusetts). These are the auto discounts Concord publishes. A safe-driving discount is not on that list, though a clean driving record still affects your rate, so ask your agent whether any claims-free or safe-driver credit applies.
| Discount | How It Typically Works | What to Confirm |
|---|---|---|
| Multi-policy | Save when you bundle home and auto insurance (or other eligible lines) | Which policies qualify and whether the discount applies to both lines |
| Advance quote | Potential savings for starting the policy in advance of the effective date | Concord says the policy must be placed seven or more days before its effective date |
| Good student | Credits for eligible full-time students with qualifying grades | Age limits, GPA requirements, and what documentation is needed |
| Auto-pay (MA only) | Discount for setting up automatic payments (where available) | Whether it’s available for your billing plan and policy type |
| E-document delivery | Discount for choosing paperless documents and maintaining e-delivery | Whether the discount applies per policy term or per renewal |
Concord Group Reviews and Ratings
Concord Group is a regional insurer, so you may not see it included in every national ranking list. A practical way to evaluate any insurer is to check financial strength, complaint trends, and whether the coverage/claims process matches your preferences.
Concord Group says AM Best rates it A+ (Superior), the second-highest rating on AM Best’s scale; AM Best upgraded Concord’s companies to A+ in December 2020. The Concord Group Insurance Companies have been BBB accredited since 1990 and carry an A+ BBB rating.
Final Word on Concord Group
Concord Group is a solid regional choice for drivers in New England who want agent support and a traditional policy structure. If you’re eligible, the best next step is to compare a Concord Group quote with at least one other carrier using the same limits and deductibles so you can judge value—not just price.
My advice is to ask your agent to price Redi-Paycheck and accident forgiveness as separate lines on the Concord quote, so you can see what each costs before you decide. If you can place the policy at least seven days before it starts, do it and get the advance quote discount. Then compare it with one other carrier on the same limits.
FAQs on Concord Group Auto Insurance
Sources
Checked October 15, 2026
- Concord Group Insurance — Who We Are
- Concord Group Insurance — Contact Us
- Concord Group Insurance — Auto Coverages
- Concord Group Insurance — Auto Ways to Save
- AM Best — AM Best Upgrades Credit Ratings of Members of Concord Group Insurance Companies, December 10, 2020
- Better Business Bureau — The Concord Group Insurance Companies Business Profile
