Allstate vs. Plymouth Rock Assurance: Which Company is the Best Fit for You?

Quick Facts

• In general, Allstate offers significantly more affordable rates than Plymouth Rock Assurance
• Allstate has less expensive premiums for policyholders who haven't received any speeding tickets or been in a collision in the last few years
• Plymouth Rock Assurance has cheaper prices in MA and NJ

Allstate or Plymouth Rock Assurance: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Allstate or Plymouth Rock Assurance for your next policy, but which company has less expensive premiums for car insurance?

Looking at nationwide averages, Plymouth Rock Assurance is quite a bit more expensive than Allstate, with rates averaging $274 a month compared to just $199 with Allstate.

Even so, that doesn't necessarily mean Allstate will be the cheaper option for every single driver. Insurance carriers vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and all sorts of other factors, so rates will vary quite a bit from person to person.

Wanting to know if Allstate or Plymouth Rock Assurance is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Allstate vs. Plymouth Rock Assurance: Average Car Insurance Rates by State

Allstate and Plymouth Rock Assurance only compete against each other in two states, with Plymouth Rock Assurance offering more affordable rates to the average driver in all of them. If you live in New Jersey, Allstate is the less expensive of the two companies when looking at the overall average prices. Plymouth Rock Assurance is the more affordable option in Massachusetts.

There are plenty of other factors that go into your car insurance cost than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Allstate for their insurance pay almost 45% less than those who use Plymouth Rock Assurance. It's worth noting that Allstate offers auto insurance in 47 different states compared to Plymouth Rock Assurance's two, which can skew the average rates a bit, but the difference here is still considerable.

But with both carriers, you'll see your premiums lower significantly by the time drivers turn 25. For example, average prices for Allstate policyholders reduce around $300 and Plymouth Rock Assurance's rates decrease about $500 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

When looking at Allstate and Plymouth Rock Assurance specifically, which company is best for retired drivers? Allstate gets the slight edge here, with average rates coming in at around $152 monthly compared to Plymouth Rock Assurance's $164.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more expensive for single policyholders than they are for married policyholders? That's because policies for married drivers generally cover multiple vehicles, which a lot of companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is significant, with Allstate rates coming in at a third less than Plymouth Rock Assurance's. The advantage for married couples with Allstate is also obvious, where drivers save over 10% per month.

Allstate or Plymouth Rock Assurance: Average Rates by Gender

Men tend to pay more for car insurance than women. That's because men are more likely to get tickets and get into accidents, which increases the chances of filing a claim with insurance.

Generally, men see premiums about 4% a month higher with Allstate, but with Plymouth Rock Assurance, the difference is closer to 9% per month.

When it comes to the most affordable prices for each gender, Allstate comes out as the lowest option for both genders. On average, women save about $66 a month and men save around $84 with Allstate compared to the average Plymouth Rock Assurance policyholder.

Allstate vs. Plymouth Rock Assurance: 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. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Allstate has the significant edge, with average monthly premiums coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging about $289 per month to Plymouth Rock Assurance's $383.

Is Allstate or Plymouth Rock Assurance 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.

Collisions and speeding tickets will most likely raise your rates, but is Allstate or Plymouth Rock Assurance cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their auto insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of about 37%.

But Allstate has less expensive prices for drivers in both categories, offering premiums that are 25% and 44% cheaper, respectively, compared to Plymouth Rock Assurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with Allstate increasing by around 32%. Plymouth Rock Assurance has a less extreme raise, but you can still expect to pay more than 20% more than you were prior to your first accident.

At the end of the day, the more affordable prices come from Allstate, with average premiums coming in at $229 compared to Plymouth Rock Assurance's $262.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. For example, Plymouth Rock Assurance increases average prices by nearly $90 a month -- that's nearly a 30% increase.

Allstate has the overall most affordable rates for drivers with a DUI on their records at $227 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just two for Plymouth Rock Assurance, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Plymouth Rock Assurance Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance prices. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for many drivers.

Car 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.

Looking specifically at Allstate and Plymouth Rock Assurance, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Allstate will usually reward you the most. For drivers with "excellent" credit scores, Allstate comes in over 40.08 cheaper. Drivers with "good" credit scores typically save about 36% with Allstate compared to average premiums from Plymouth Rock Assurance.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower prices than Plymouth Rock Assurance when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 35% per month less with Allstate compared to Plymouth Rock Assurance, and those with "poor" scores generally save an average of about 38% a month.

Is Allstate or Plymouth Rock Assurance Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly auto insurance bill. Typically, the more milage you put on your vehicle, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Plymouth Rock Assurance charges. However, there's a small difference in monthly premiums for Allstate, with policyholders who drive the least paying around $3 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Allstate is the less expensive carrier.

Allstate or Plymouth Rock Assurance: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a large impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Allstate usually comes out as the cheapest 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 about $9 with Allstate compared to Plymouth Rock Assurance. People who live in suburban areas pay around $84 less with Allstate compared to Plymouth Rock Assurance. For policyholders in urban ZIP codes, Allstate's average rates are about $133 less than Plymouth Rock Assurance.

Allstate vs. Plymouth Rock Assurance Discounts

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

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allstate and Plymouth Rock Assurance so that you can see which one can save you the most money each month.

Allstate knocks Plymouth Rock Assurance out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Plymouth Rock Assurance's 16.

Both carriers offer many of the same discounts -- like agency transfer discounts, discounts for being a defensive driver, distant student discounts, and discounts for being a good student -- but Allstate also offers discounts for ABS, alert driving, annual mileage, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own like group discounts and UBI discounts.

Final Thoughts: Is Allstate or Plymouth Rock Assurance Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the right fit for you?

Allstate might be best for you if....

• You want to save money on your auto insurance after an accident.
• Your credit is below-average.
• You live in a rural area.

Plymouth Rock Assurance might be best for you if...

• You're looking for the best rates in MA and NJ.

Hopefully, this guide helps you get a better idea of the difference between Allstate and Plymouth Rock Assurance. 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 several companies, not just Allstate and Plymouth Rock Assurance. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Allstate vs. Plymouth Rock Assurance FAQs

Is Allstate or Plymouth Rock Assurance cheaper?

Allstate is the more affordable of the two companies when looking at national average rates, with policies averaging $199 a month with Allstate and $274 for Plymouth Rock Assurance. However, that doesn't mean Allstate will be the most affordable carrier for every policyholder, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Plymouth Rock Assurance?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Allstate and Plymouth Rock Assurance offer me different rates?

Car insurance carriers use lots of different variables when determining the premiums they charge. Factors like gender, where your home is, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Plymouth Rock Assurance calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Allstate or Plymouth Rock Assurance is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Allstate or Plymouth Rock Assurance 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.