Is Concord Group Good for Auto Insurance?

Last Updated on April 27, 2023

Concord Group is an insurance company based in Concord, New Hampshire.

Founded in 1928, the company has nearly a century of experience providing home and auto insurance to policyholders in New Hampshire and surrounding states.

Is Concord Group good for auto insurance? Should you buy car insurance through Concord Group? Find out everything you need to know about Concord Group today in our review.

Key Takeaways:

  1. Concord Group is a property and casualty insurance company that has been providing home and auto insurance to policyholders in New England for nearly a century.
  2. The company offers home, auto, business, and life insurance policies to customers in Maine, Massachusetts, New Hampshire, and Vermont.
  3. Auto insurance policies offered by Concord Group include minimum liability coverage, full coverage policies with collision and comprehensive coverage, options for uninsured and underinsured motorist coverage, medical payments and personal injury protection, and gap coverage.
  4. Concord Group has a network of over 600 independent agents. As a smaller, locally-based company, it may appeal to those who prefer to do business with a more personalized, community-oriented insurer.

What Is Concord Group?

Concord Group is a property and casualty insurance company that insures individuals and businesses across New England.

Backed by 90+ years of experience, Concord Group aims to help policyholders “protect what matters most.” The company sells auto insurance, business insurance, life insurance, renters insurance, umbrella insurance, and other insurance products.

Concord Group was founded in 1928 as the Farm Bureau Mutual Insurance Company. In January 1929, the company paid its first claim: a $16 claim for a car accident.

In 1958, Concord Group moved to its present headquarters, 4 Bouton St., in Concord, New Hampshire. In 1964, the company acquired the State Mutual Insurance Company of Maine, officially forming The Concord Group Insurance Companies.

Concord Group uses the “Concord Coach” to symbolize strength and stability. You can see that logo across the company’s website. You can also see the coach in person at the company’s headquarters: the stagecoach was built by Lewis Downing & Son in 1850. You can visit the coach today at the Concord Group’s head office.

Since April 2017, Concord Group has been affiliated with Michigan-based insurance company Auto-Owners Insurance Group. If you buy life insurance through Concord Group, your policy comes from Auto-Owners Insurance Group.

Today, Concord Group serves policyholders across four New England states, selling insurance in Maine, Massachusetts, New Hampshire, and Vermont. The company sells auto insurance through 600+ independent agents while maintaining a growing team of 240 employees.

Concord Group Contact Info
Address4 Bouton St.
Concord, NH 03301
Phone Number800-852-3380
HoursMonday – Friday
8:00am – 5:00pm
Website URL

Concord Group Insurance Products

Concord Group sells home insurance, auto insurance, business insurance, and life insurance to customers across New England.

Home Insurance: Concord Group offers home insurance for homeowners, renters, and others. The company’s home insurance lets you protect yourself from personal liability, protect your personal property, and protect other parts of your home.

Car Insurance: Concord Group sells car insurance that can meet or exceed minimum insurance requirements in your state. You can buy a minimum liability plan, a full coverage car insurance plan, and other car insurance for your needs.

Business Insurance: Concord Group sells commercial insurance for small and medium-sized businesses and large corporations. The company specializes in providing business insurance to contractors, motels, manufacturing businesses, offices, retail and service businesses, restaurants, and garages, among other types of businesses. Concord Group offers standard liability insurance, commercial auto insurance, and other customizable coverage options.

Life Insurance: Concord Group offers life insurance through Auto-Owners Life Insurance Company, a member of the Auto-Owners Insurance Group. Concord Group has been partnered with the company since 2017. You can buy term life, universal life, and whole life insurance policies through Concord Group.

How Does Concord Group Auto Insurance Work?

Concord Group sells car insurance to drivers across New England. You can buy a minimum liability plan to meet your state’s minimum requirements. Or, you can add collision and comprehensive coverage for a full coverage policy.

Here are some of the auto insurance products and services available through Concord Group:

Bodily Injury & Property Damage Liability: Concord Group offers bodily injury and property damage liability, which covers injuries and property damage to others, including legal defense if you are sued. Most states (except New Hampshire) require drivers to carry liability coverage to protect other drivers from damages they inflict.

Collision Coverage: Many drivers add collision coverage to their policy for added protection. Collision coverage covers the cost of repairing your own vehicle after an accident. If you collided with another vehicle and are at fault, your collision coverage will cover your repair bills.

Comprehensive Coverage: Comprehensive coverage covers damage to your vehicle caused by factors other than a collision. It covers fire damage, vandalism, theft, weather-related incidents, collisions with animals, and other incidents.

Uninsured and Underinsured Motorist Coverage: Approximately 1 in 7 motorists in America have no car insurance. Millions more are underinsured. Concord Group offers uninsured and underinsured motorist coverage for added protection.

Medical Payments and Personal Injury Protection: Required in some states, medical payments and personal injury protection cover medical bills after an accident, regardless of fault. It can also cover hospitalization and rehabilitation expenses resulting from injury to the insured or any passengers.

Loa Gap and Lease Gap Coverage: Concord Group offers gap coverage, which means your policy can cover the ‘gap’ between the value of your vehicle and the amount remaining on your lease or loan.

Road Trouble Service: Concord Group offers a roadside assistance package called Road Trouble Service, which provides 24/7/365 roadside service in all 50 states and Canada.

What Makes Concord Group Auto Insurance Unique?

New England policyholders have plenty of choices for car insurance. What makes Concord Group unique? How is Concord Group different from its competitors?

Here are some of the reasons you might choose Concord Group over competing insurers:

Smaller, Locally-Based Company: Concord Group is a homegrown New Hampshire company founded in 1928 and continues serving New England policyholders to this day. The company has been headquartered at the same office in downtown Concord since 1958. If you like the idea of doing business with a homegrown, New Hampshire-based company instead of a faceless nationwide firm, then Concord Group may be the right choice.

Independent Agents: Concord Group sells insurance through a network of 600+ agents across its four covered states. Independent agents work for multiple insurance companies, selling products based on the customer’s needs – not the agent’s affiliation with any specific company. Concord Group is a big supporter of the independent agency system. Some drivers like the independent agent system for its personalized approach. You discuss your needs with the agent, and the agent recommends the best policy for you.

New Car Replacement: Concord Group offers new car replacement at an added cost. If you want to protect the value of your new car, then consider adding Concord Group’s new car replacement to your plan.

Accident Forgiveness: Concord Group offers accident forgiveness at an added cost. If you have a single at-fault accident on an otherwise clean record, then Concord Group will not raise your premiums.

Personalized Service Through Agents: Concord Group sells insurance through independent agents, who provide unbiased guidance based on your insurance needs. Your independent agent can process claims on your behalf, help manage your policy, and perform other roles. If you like personal service and a human connection, then you might like Concord Group’s usage of independent agents.

Personal Auto Coverage Enhancements (PACE): Concord Group has a package of optional auto insurance coverages called PAC. Available at no added cost, this package provides new car replacement for vehicles purchased in the last 12 months, expanded time to report new and replacement vehicles, and coverage for lost earnings for time spent in court for a car accident, among other perks.

Personal Auto Coverage Enhancements + (PACE+): Concord Group also offers an enhanced package of auto insurance coverage under the PACE+ system. At an added cost, you get new car replacement for vehicles purchased in the last 24 months, full glass coverage with no deductible, and a waiver of your collision deductible, among other perks.

Redi-Paycheck: Concord Group offers a coverage called Redi-Paycheck. For a few extra dollars per month, your policy reimburses lost wages for the policyholder and any resident relatives involved in a car accident, up to $15,000, regardless of fault.

Concord Group Discounts

Concord Group offers many of the same discounts as other insurance companies. Take advantage of the following discounts to save hundreds per year on car insurance:

Multi-Policy Discount: Concord Group offers multi-policy discounts to customers who bundle home and auto insurance with the company.

Advance Quote Discount: If you place your auto insurance policy with Concord Group seven or more days prior to the policy’s effective date, then you get an advance quote discount.

Good Student Credit: Concord Group offers a good student credit system. If you maintain good grades as a full-time student under age 25, you could save on car insurance.

Auto-Pay (MA Only): Only available in Massachusetts, the auto-pay discount drops premiums for customers who set up automatic payments.

E-Document Delivery: Select and maintain electronic delivery for your policies and get a discount.

Safe Driving Discounts: Like all insurance companies, Concord Group offers discounts to drivers with a clean driving record, zero recent incidents, and no speeding tickets.

Concord Group Reviews: What Do Customers Have to Say?

As a smaller insurance company, it’s hard to find reviews for Concord Group online. The company is not ranked by J.D. Power because it’s not one of the top 20 largest insurers in the country or any subregion.

However, Concord Group has had a strong reputation for strength, stability, and service since launching in 1928. Most customers are happy with Concord Group’s pricing, customer service, and claims handling.

Concord Group has a surprisingly strong financial rating. A.M. Best has rated the company as A+ (Superior). Many small insurers have weaker ratings. This financial rating shows Concord Group should have no issue covering claims for policyholders in the near future.

Concord Group has an A+ rating with the Better Business Bureau, along with an average rating of 3/5 (based on just two customer reviews).

Third-party review websites like Clearsurance are more supportive of Concord Group. The company has a 4.01 star out of 5 rating on Clearsurance with 40 customer reviews.

Our Rating of Concord Group’s Car Insurance

Concord Group is a property and casualty insurance company that offers a range of insurance products, including home, auto, business, and life insurance. Founded in 1928 and headquartered in Concord, New Hampshire, the company serves policyholders across New England through a network of 600+ independent agents.

Financial Stability
Claims Satisfaction
Coverage Offerings


Despite not being ranked by J.D. Power due to its size, Concord Group has been known for its strength, stability, and service since its establishment in 1928. The company has an A+ rating with A.M. Best and the Better Business Bureau, and positive customer reviews on third-party websites such as Clearsurance, indicating its ability to cover policyholder claims in the future.


Final Word on Concord Group

Concord Group is a New Hampshire-based insurance company selling insurance throughout New England.

The company’s car insurance is well-rated for claims satisfaction, pricing, and customer service. Generally, customers are happy with their Concord Group insurance policy, and the company has a strong financial rating to back its claims.

To learn more about Concord Group or to find an agent today, visit the company online at

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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