Foremost vs. Personal Service: Which Company is the Best Fit for You?

You've probably seen ads offering big savings on insurance, but are Foremost or Personal Service right for you? Which company offers the lowest prices, or the most discounts? Read on to see how Foremost and Personal Service compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Foremost offers more affordable rates than Personal Service
  • Foremost tends to be a much cheaper option for policyholders who drive fewer than 12,000 miles yearly
  • Personal Service has less expensive premiums for drivers who have an at-fault accident on their record

Foremost vs. Personal Service: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Foremost or Personal Service, but which carrier will offer you cheaper prices?

Foremost Personal Service

Looking at the national average rates for both companies, Foremost has average rates that are about 17% per month more affordable than those from Personal Service.

That being said, Foremost may not be the cheapest or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so rates could change drastically from person to person.

Wanting to know if Foremost or Personal Service is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Foremost or Personal Service: Average Car Insurance Rates by State

State Foremost Personal Service

Foremost and Personal Service only compete against each other in New Jersey, where Personal Service offers the cheaper average rates. For New Jersey residents, Personal Service offers insurance for $325 a month on average. Foremost's average premiums come out to be over 20% more expensive, at $392 monthly.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your prices. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Foremost Personal Service
18-year-old drivers$572$624
25-year-old drivers$228$318

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

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Foremost save more than $50 a month compared to those who use Personal Service.

Even so, with both carriers, you'll see your rates decrease significantly by the time you turn 25. For example, average prices for Foremost policyholders reduce over 60% and Personal Service's premiums lower nearly 50% over that time.

Which is the Best Company for Retired Drivers?

Foremost Personal Service
65+-year-old drivers$219$231

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates out there.

But who has the best prices for retired drivers between Foremost and Personal Service? Foremost gets the slight edge, with premiums for drivers 65 and older $12 less expensive than the national average for Personal Service.

Which is the Best Company for Married Drivers?

Foremost Personal Service

You may not be aware, but car insurance prices tend to be cheaper for married couples than they are for single policyholders. That's because policies for married drivers normally cover multiple cars, which several companies will offer you a discount for.

When it comes to relationship status, Foremost is the clear winner for single drivers, with rates around $55 per month more affordable than Personal Service, on average. For married policyholders, the advantage is clear again - Foremost has the edge when it comes to average premiums.

Foremost vs. Personal Service: Average Rates by Gender

Foremost Personal Service

Men are statistically more likely than women to get tickets and get into collisions. That means when it comes to auto insurance men will usually end up paying a little more.

On average, men see prices about $4 a month higher with Foremost, and more than $45 with Personal Service.

Looking at the data for each carrier specifically, Foremost comes out as the lowest option for both genders, with average rates 22% less for men and 11% cheaper for women.

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Foremost or Personal Service: Compare State Minimum vs. Full Coverage Rates

Foremost Personal Service
State Minimum*$173$228
Full Coverage**$366$422

*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 pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

However, most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Foremost normally offers cheaper prices of $173 compared to Personal Service's $228. When it comes to full coverage policies with similar limits, Foremost again has the edge, with policies around $55 per month more affordable than Personal Service, on average.

Is Foremost or Personal Service Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and accidents lead to higher rates, but which company -- Foremost or Personal Service -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Foremost Personal Service
Clean Record$202$258
1 Speeding Ticket$258$293

Foremost policyholders can expect their prices to go up an average of $56 a month if they get a ticket, while Personal Service typically raises rates about $35 per month, on average.

That being said, Foremost has less expensive premiums for drivers in both categories, offering prices that are $56 and $35 more affordable, respectively, compared to Personal Service Insurance Company.

Which Company is Best for Drivers After an Accident?

Foremost Personal Service
Clean Record$202$258
1 At-Fault Accident$381$348

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Foremost increasing by just under $200. Personal Service has a less extreme climb, but you can still expect to pay $90 more than you were prior to your first accident.

Overall, Personal Service offers the most affordable rates for drivers with an at-fault collision on their records, with monthly prices averaging $348 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

Foremost Personal Service
Clean Record$202$258
1 DUI$238$400

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. For example, Personal Service increases average rates by nearly $150 a month -- that's over a 35% increase.

If you have a DUI on your record and are looking for more affordable premiums, Foremost tends to be the much cheaper option with average prices of $238 per month compared to $400 from Personal Service.

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How does Credit Score Impact Foremost and Personal Service Rates?

Did you know that many car insurance companies take into account your credit score when calculating rates? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for many drivers.

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

So, which carrier offers the lowest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Foremost Personal Service
Excellent Credit Score$236$262
Good Credit Score$261$312

If you have great credit, you'll usually find a better deal with Foremost. Policyholders with "excellent" credit can save just under 10% compared to Personal Service, and those with "good" scores can also expect to see savings -- around $51 or 16% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Foremost Personal Service
Fair Credit Score$277$345
Poor Credit Score$306$380

Foremost typically offers lower rates than Personal Service when it comes to drivers with bad credit. Drivers with "fair" credit pay about $68 per month less with Foremost compared to Personal Service, and those with "poor" scores usually save an average of around $74 monthly.

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Is Foremost or Personal Service Better for Drivers who Work from Home or Have Short Commutes?

Foremost Personal Service
6,000 Annual Miles$270$325
12,000 Annual Miles$270$325

Did you know that the amount of time you spend in your car have a sizable impact on your monthly premiums? That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Foremost or Personal Service report increasing prices for drivers with higher annual mileage figures. Even so, Foremost comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average premiums of $270 a month for both.

Foremost vs. Personal Service: 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 auto insurance, but the type of area you live in can have a big impact as well. Typically, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

Foremost Personal Service
Urban Areas$318$402
Suburban Areas$287$355
Rural Areas$205$217

Foremost tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Foremost offers premiums about $318 per month compared to Personal Service's $402. People who live in suburban ZIP codes can expect to pay around $287 per month for Foremost and $355 for Personal Service. Lastly, those in rural areas tend to get the most affordable rates from both companies, with average monthly prices coming in at $205 and $217 for Foremost and Personal Service respectively.

Foremost vs. Personal Service Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

In the table below, we've compared all of the different discounts offered by Foremost and Personal Service so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Foremost Personal Service
Advance Quote Discount 
Anti-Theft Discount
Cellphone Safety Discount 
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Good Driving Discount 
Good Payer Discount 
Homeowner Discount 
Minor Child Discount 
Multi-Car Discount 
Multi-Car/Single Driver Discount
Multi-Policy Discount 
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount 
Prior Carrier Discount 
Prior Insurance Discount 

Looking at the total number of discounts, Foremost comes out ahead with 12 discounts to Personal Service's 10.

Both carriers offer lots of the same discounts -- like anti-theft discounts, multi-car/single driver discounts, and paid in full discounts -- but Foremost also offers advance quote discounts, distant student discounts, EFT discounts, and more that Personal Service does not.

On the flip side, Personal Service has a couple unique discounts of its own -- cellphone safety discounts, good payer discounts, discounts for being a homeowner, and more.

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Final Thoughts: Is Foremost or Personal Service Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts companies offer. But, at the end of the day, which insurance carrier is the best one for you and your specific profile and needs?

Foremost might be best for you if....

  • You have a DUI charge on your record.
  • You want basic insurance coverage at the state minimum limits.
  • You have a short drive to work everyday.

Personal Service might be best for you if...

  • Your driving record contains an at-fault accident.

We hope this guide helps you get a good idea of the differences between Foremost and Personal Service and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Foremost and Personal Service. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

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Foremost vs. Personal Service FAQs

Is Foremost or Personal Service cheaper?

Looking just at the national average premiums, Foremost is the more affordable of the two carriers, offering average rates of $270 a month compared to $325 for Personal Service. Even so, Foremost won't necessarily be the cheapest company for every policyholder, since there are multiple different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Foremost or Personal Service?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for each driver -- it all comes down to what your unique car insurance profile looks like. For example, Personal Service offers cheaper prices for drivers with an at-fault collision on their record, while Foremost is less expensive for drivers who have less-than-stellar credit scores.

Why do Foremost and Personal Service offer me different rates?

Insurance companies take a look at a lot of different variables when determining the rates they charge policyholders. Things like age, your driving record, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both Foremost and Personal Service calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different carriers.

How do I know if Foremost or Personal Service is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Foremost or Personal Service at all!


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.

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