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

Quick Facts

• In general, Arbella offers significantly cheaper rates than Plymouth Rock Assurance
• Arbella offers more affordable premiums for policyholders who live in urban areas
• Plymouth Rock Assurance tends to be a much less expensive option for drivers who have below-average credit

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Arbella or Plymouth Rock Assurance as your top options, but between the two, which company will save you the most?

As you can see, Plymouth Rock Assurance is quite a bit more expensive than Arbella, with rates averaging $274 a month compared to just $150 with Arbella when looking at the national average rates for insurance.

That being said, that doesn't mean Arbella will necessarily be more affordable than Plymouth Rock Assurance for every driver. Auto insurance carriers vary their prices depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and tons of other factors, so premiums will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Arbella and Plymouth Rock Assurance by a range of different rate factors, so read on to find out which company is the best for you.

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

Arbella and Plymouth Rock Assurance only compete against each other in Massachusetts, where Plymouth Rock Assurance offers the cheaper average prices. Plymouth Rock Assurance drivers tend to pay about $43 per month less on average compared to drivers who use Arbella for their car insurance.

There are plenty of other factors that go into your insurance cost than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. That's typically 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Arbella for their car insurance pay almost 60% less than those who use Plymouth Rock Assurance.

However, with both companies, you'll see your prices lower significantly once you turn 25. For example, average premiums for Arbella policyholders decrease nearly 65% and Plymouth Rock Assurance's prices drop over 75% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Arbella gets the edge, with rates for drivers 65 and older almost 45% cheaper than the national average for Plymouth Rock Assurance.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married policyholders having more than one vehicle on their policy -- something quite a few insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Arbella rates coming in at around half of Plymouth Rock Assurance's. For married couples, the advantage is clear again - Arbella has the edge when it comes to average prices.

Arbella or Plymouth Rock Assurance: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums.

Men and women get the same monthly rates with Arbella, but with Plymouth Rock Assurance, the difference is closer to 9% a month.

Looking at the data for each company specifically, Arbella comes out on top for both men and women, with average premiums 48% less for men and 42% cheaper for women.

Arbella 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, car insurance can be pretty complicated. 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 a collision.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Arbella has the significant edge, with average monthly prices coming in at $83. If you want a full coverage policy with the same state minimum limits, Arbella again has the edge, with policies averaging about $216 per month to Plymouth Rock Assurance's $383.

Is Arbella 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 auto 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 speeding tickets and collisions on your record, but which of these two companies offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Arbella for their car insurance can normally expect their monthly bill to go up around 6% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of about 37%.

But Arbella is generally the more affordable option for drivers both with a ticket and with a clean record, offering prices that are 44% and 62% less expensive, respectively, compared to Plymouth Rock Assurance.

Which Company is Best for Drivers After an Accident?

Arbella drivers who get in a collision can expect to see their premiums climb by just under 25%, while those who have insurance through Plymouth Rock Assurance will see around a 20% increase.

At the end of the day, drivers who use Arbella end up with the cheaper prices after an accident, with average rates coming in at $151 compared to Plymouth Rock Assurance's $262.

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 insurance bill -- usually a lot more than an accident or speeding ticket. Arbella drivers usually see a 43% raise in their auto insurance premiums after a DUI charge, while Plymouth Rock Assurance will generally climb prices by about 30%.

But if you end up with a DUI charge and are looking for more affordable premiums, Arbella tends to be cheaper for the average driver, with monthly premiums coming in at around $206 to Plymouth Rock Assurance's $296.

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

Did you know many car insurance carriers take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it might come into play for several policyholders.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at Arbella and Plymouth Rock Assurance specifically, which one has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have excellent credit, Plymouth Rock Assurance will normally reward you. Improving your "good" credit score to an "excellent" one will typically save Plymouth Rock Assurance customers about $25. On the other hand, Arbella doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Plymouth Rock Assurance. If your credit score is in the "poor" range, at Plymouth Rock Assurance, you may pay around $150 more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Arbella doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Plymouth Rock Assurance.

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

How much you drive can have a pretty big impact on your monthly auto insurance bill. Usually, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

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 rates for Arbella, with policyholders who drive 6,000 miles annually paying about $15 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Arbella is the more affordable carrier.

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

Where you call home can have a substantial impact on your monthly car insurance payment. Normally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

When comparing these two carriers side-by-side, Arbella typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Arbella Insurance's average prices are around 48% less than Plymouth Rock Assurance. People who live in suburban areas pay about 41% less with Arbella compared to Plymouth Rock Assurance. Those in rural areas can expect to save around 48% with Arbella compared to Plymouth Rock Assurance.

Arbella vs. Plymouth Rock Assurance Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

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

Luckily, we did the hard work for you and looked at all of the different discounts Arbella and Plymouth Rock Assurance 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, Arbella comes out ahead with 18 discounts to Plymouth Rock Assurance's 16.

There are a couple discounts both companies offer, but Arbella also offers discounts for annual mileage, continuous insurance, hybrid vehicle, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own for things like advance quote discounts, agency transfer discounts, defensive driver discounts, and more.

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

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which company is the right one for you, your vehicle, and your wallet?

Arbella might be best for you if....

• You will be the only person on the insurance policy.
• Your neighborhood is in a city.
• You're of retirement age and want to take advantage of lower premiums.

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

• You have below-average credit.
• You already have a great credit score.

Hopefully, this guide helps you get a good idea of the differences between Arbella 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 auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Arbella and Plymouth Rock Assurance. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Arbella vs. Plymouth Rock Assurance FAQs

Is Arbella or Plymouth Rock Assurance cheaper?

Arbella is the cheaper of the two companies when looking at national average rates, with policies averaging $150 per month with Arbella and $274 for Plymouth Rock Assurance. Even so, that doesn't mean Arbella will be the lowest carrier for everyone, since there are lots of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Arbella or Plymouth Rock Assurance?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for each policyholder -- it all comes down to what your unique insurance profile looks like. For example, Plymouth Rock Assurance is more affordable for drivers with excellent credit, while Arbella offers less expensive prices for drivers with a recent DUI.

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

Auto insurance carriers use lots of different variables when calculating the premiums they charge. Things like age, gender, where you park your car, your driving record, and sometimes even things like your credit score can all come into play. Both Arbella 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 most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Arbella 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information 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 Arbella 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.