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

Quick Facts

• Based on national averages for auto insurance, Plymouth Rock Assurance offers slightly less expensive premiums than Esurance
• Esurance offers cheaper average prices for drivers who have a speeding ticket on their driving record
• Plymouth Rock Assurance has more affordable premiums for single people who will be the only person on the insurance policy

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You might be considering Esurance or Plymouth Rock Assurance, but which company will offer you cheaper prices?

Looking at nationwide averages, Esurance is around $25 more a month than Plymouth Rock Assurance.

However, Plymouth Rock Assurance may not be the cheapest or best option for every driver out there. Car insurance carriers vary their rates depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a variety of other factors, so prices could change drastically from person to person.

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

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

Esurance and Plymouth Rock Assurance only compete against each other in one states, with Esurance offering less expensive premiums to the average driver in all of them. New Jersey has the most noticable difference, where Esurance prices are $19 more affordable than auto insurance rates at Plymouth Rock Assurance.

There's a lot more that goes into your insurance cost than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. That's usually because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Esurance save over 15% per month compared to those who use Plymouth Rock Assurance. It's worth noting that Esurance offers car insurance in 11 different states compared to Plymouth Rock Assurance's two, which can skew the average rates a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your premiums lower significantly by the time you turn 25. For example, average prices for Esurance policyholders reduce about $500 and Plymouth Rock Assurance's premiums decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest insurance prices out there. After all, they've likely been driving for quite some time, which typically reduces their chances of collisions and other infractions that can raise rates.

But who has the best prices for retired drivers between Esurance and Plymouth Rock Assurance? Plymouth Rock Assurance gets the edge here, with average premiums coming in at about $164 monthly compared to Esurance's $232.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally more expensive for single policyholders than they are for married couples? That's because policies for married policyholders generally cover more than one vehicle, which a lot of carriers will give you a discount for.

For single drivers, the difference in average premiums between these two companies is not very significant, with Plymouth Rock Assurance prices coming in at around 4% less than Esurance's. But for married drivers, the advantage is clear - Plymouth Rock Assurance offers the most affordable average rates.

Esurance or Plymouth Rock Assurance: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to auto insurance men will normally end up paying a little more.

Men typically pay more than $20 a month more than women with Esurance, and about $25 with Plymouth Rock Assurance.

Looking at the data for each carrier specifically, Plymouth Rock Assurance comes out on top for both men and women. On average, women save about $28 per month and men save around $22 with Plymouth Rock Assurance compared to the average Esurance policyholder.

Esurance 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.

It's no secret that insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two 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 a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability insurance, Plymouth Rock Assurance has the edge, with average monthly premiums coming in at $165. If you want a full coverage policy with the same state minimum limits, Plymouth Rock Assurance again has the edge, with policies averaging about $383 a month to Esurance's $396.

Is Esurance or Plymouth Rock Assurance Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Speeding tickets and collisions will most likely raise your prices, but is Esurance or Plymouth Rock Assurance cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Esurance for their auto insurance can normally expect their monthly bill to go up around 16% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of about 37%.

If you have gotten a ticket, Esurance tends to offer the best premiums at around 13% less expensive, while Plymouth Rock Assurance has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Esurance drivers who get in an accident can expect to see their rates rise by over $100, while those who have insurance through Plymouth Rock Assurance will see about a $55 increase.

At the end of the day, the cheaper prices come from Plymouth Rock Assurance, with average rates coming in at $262 compared to Esurance's $364.

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 car insurance bill -- generally a lot more than a collision or speeding ticket. On average, Plymouth Rock Assurance will increase your premiums around 30% after a DUI, while Esurance's average prices increase by nearly 20%.

Plymouth Rock Assurance has the overall cheapest rates for drivers with a DUI on their records at $296 a month, but it's worth noting that Esurance's average rates come from 11 states compared to just two for Plymouth Rock Assurance, so the data may be skewed slightly.

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

Did you know many auto insurance companies take into account your credit score when determining premiums? This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it does affect lots of policyholders out there.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will typically be forced to pay more.

So, which company offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Esurance will usually reward you the most. For drivers with "excellent" credit scores, Esurance comes in more than 11.57 more affordable. Drivers with "good" credit scores normally save about 1% with Esurance compared to average premiums from Plymouth Rock Assurance.

Which Company is Best for Drivers with Bad Credit?

Esurance 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 2% per month less with Esurance compared to Plymouth Rock Assurance, and those with "poor" scores usually save an average of about 4% per month.

Is Esurance or Plymouth Rock Assurance 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 your monthly auto insurance payment. Typically, the more milage you put on your car each year, 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 Esurance, with policyholders who drive the least paying around $1 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Plymouth Rock Assurance is the less expensive carrier.

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

Where your home is can have a sizable impact on your monthly insurance bill. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Plymouth Rock Assurance boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Plymouth Rock Assurance's average prices are about $41 less than Esurance. People who live in suburban areas pay around $5 less with Plymouth Rock Assurance compared to Esurance. Those in rural areas can expect to save about $28 with Plymouth Rock Assurance compared to Esurance.

Esurance 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 insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Esurance and Plymouth Rock Assurance offer their customers so that you can see which carrier can save you the most money each month.

Esurance blows Plymouth Rock Assurance away when it comes to the sheer amount of discounts available, offering 24 different discounts to Plymouth Rock Assurance's 16.

There are a couple discounts both companies offer, but Esurance also offers discounts for ABS, DRL, education, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own for things like distant student discounts, driver training discounts, renewal discounts, and more.

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

So, you've seen how different factors can affect your auto insurance rates. We've shown you all the discounts each company offers, too. But, at the end of the day, is Esurance or Plymouth Rock Assurance the right company for you, your vehicle, and your wallet?

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

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You have a short commute.

Esurance might be best for you if...

• You've received a ticket for speeding recently and don't want to see your premiums climb.
• You have above-average credit.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Esurance and Plymouth Rock Assurance and that you can now make a more informed decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Esurance and Plymouth Rock Assurance. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Esurance vs. Plymouth Rock Assurance FAQs

Is Esurance or Plymouth Rock Assurance cheaper?

Plymouth Rock Assurance is the cheaper of the two carriers when looking at national average prices, with policies averaging $274 a month with Plymouth Rock Assurance and $299 for Esurance. But that doesn't mean Plymouth Rock Assurance will be the cheapest carrier for each driver, since there are lots of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Esurance or Plymouth Rock Assurance?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile. For example, Esurance is more affordable for drivers with excellent credit, while Plymouth Rock Assurance offers less expensive rates for drivers with a recent DUI.

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

Car insurance companies use many different factors when calculating the premiums they charge. Things like age, where you call home, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Esurance and Plymouth Rock Assurance calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Esurance 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 companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Esurance 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.