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

Quick Facts

• In general, Foremost offers slightly cheaper rates than Plymouth Rock Assurance
• Foremost offers more affordable prices for policyholders who have a clean record
• Plymouth Rock Assurance offers more affordable average rates for couples purchasing auto insurance together

Foremost vs. Plymouth Rock Assurance: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Foremost or Plymouth Rock Assurance as potential options, but which carrier has less expensive premiums for insurance?

Looking at nationwide averages, Foremost is about $4 per month more affordable than Plymouth Rock Assurance.

However, Foremost may not be the most affordable or best option for every driver out there. Auto insurance companies use all sorts of complex algorithms to calculate prices, so depending on how good your credit score is or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Foremost or Plymouth Rock Assurance is really the best for you, keep reading to see average rates for each company broken down by a bunch of different rate factors.

Foremost or Plymouth Rock Assurance: Average Car Insurance Rates by State

Foremost and Plymouth Rock Assurance only compete against each other in one states, with Plymouth Rock Assurance offering less expensive prices to the average driver in all of them. New Jersey has the most noticable difference, where Plymouth Rock Assurance rates are over 20% cheaper than car insurance premiums at Foremost.

There's a lot more that goes into your insurance bill than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's because young, inexperienced 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 teen drivers can't still save money on their auto insurance. As you can see above, teens who use Foremost save more than $250 a month compared to those who use Plymouth Rock Assurance.

But with both carriers, you'll see your prices reduce significantly by the time drivers turn 25. For example, average rates for Foremost policyholders drop nearly $350 and Plymouth Rock Assurance's premiums lower over $500 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 lowest prices out there.

When looking at Foremost and Plymouth Rock Assurance specifically, which carrier is best for retired drivers? Plymouth Rock Assurance gets the edge, with premiums for drivers 65 and older more than 25% less expensive than the national average for Foremost.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be cheaper for married couples than they are for single policyholders. This usually boils down to married drivers having more than one car on their policy -- something several auto insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for those who are single, with rates only differing around $32 per month, on average. But for married policyholders, the advantage is clear - Plymouth Rock Assurance offers the most affordable average prices.

Foremost vs. Plymouth Rock Assurance: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll normally end up paying more for insurance than women.

Men generally pay about 1% more a month than women with Foremost, and almost 10% with Plymouth Rock Assurance.

When it comes to the lowest rates for each gender, Foremost is the cheapest company for men. Rates with Foremost are $15 less for men, while women can save around $8 with Plymouth Rock Assurance.

Foremost or 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.

Auto insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

Even so, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside what you get with a liability policy).

In this case, Plymouth Rock Assurance offers the lowest average premiums for state minimum limits for liability insurance, while Foremost has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Plymouth Rock Assurance, while full coverage comes out to be about $15 more affordable with Foremost Insurance Group.

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

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

You'll probably end up paying more with tickets and collisions on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Foremost policyholders can expect their rates to go up an average of $56 per month if they get a ticket, while Plymouth Rock Assurance generally raises premiums around $120 a month, on average.

But Foremost has less expensive rates for drivers in both categories. Drivers with a clean record can save about $6 per month and drivers with a speeding ticket can save around $70 a month with Foremost Insurance Group.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault accident with Foremost climbing by just under $200. Plymouth Rock Assurance has a less extreme increase, but you can still expect to pay nearly $55 more than you were prior to your first collision.

Overall, Plymouth Rock Assurance offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $262 compared to Foremost Insurance Group's $381.

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 -- normally a lot more than a collision or ticket. For example, Plymouth Rock Assurance increases average prices by just under $90 per month -- that's just under a 30% 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 rates of $238 per month compared to $296 from Plymouth Rock Assurance.

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

Did you know that many insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, California and Michigan are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable premiums.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a big impact on your monthly auto insurance cost. Typically, those who drive less will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Foremost or Plymouth Rock Assurance report increasing rates for drivers with higher annual mileage figures. Still, Foremost comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $270 a month for both.

Foremost vs. Plymouth Rock Assurance: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly insurance payment. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Plymouth Rock Assurance generally comes out as the less expensive option for drivers in rural and suburban areas, while Foremost wins in urban areas.

In urban areas, Foremost Insurance Group's average premiums are about $37 less than Plymouth Rock Assurance. Drivers in suburban ZIP codes pay around $4 less with Plymouth Rock Assurance compared to Foremost. If you live in a rural area, you can expect to save about $22 with Plymouth Rock Assurance compared to Foremost.

Foremost vs. Plymouth Rock Assurance Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

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

Below, we've taken a look at all of the different discounts Foremost and Plymouth Rock Assurance offer their customers so that you can see which carrier can save you the most money each month.

Looking at the total number of discounts, Plymouth Rock Assurance has the advantage when it comes to total number of discounts. Foremost offers a grand total of 12 discounts, while Plymouth Rock Assurance has 16.

A couple of those are overlapping for things like discounts for being a defensive driver, distant student discounts, and paid in full discounts. Plymouth Rock Assurance also offers agency transfer discounts, driver training discounts, good student discounts, and more that Foremost does not.

On the flip side, Foremost has a couple unique discounts of its own -- EFT discounts, minor child discounts, multi-car/single driver discounts, and more.

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

You've seen the effect certain variables have on your insurance and the different discounts companies offer. But, at the end of the day, is Foremost or Plymouth Rock Assurance the best company for you, your vehicle, and your wallet?

Foremost might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You drive fewer than 6,000 miles each year.

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

• Your driving record contains an at-fault collision.
• You want basic car insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your insurance.

We hope this guide helps you get a better idea of the difference between Foremost and Plymouth Rock Assurance and that you can now make a more informed 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 carriers, not just Foremost 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 free quotes from some of the best insurance companies in your area, all in just a few minutes.

Foremost vs. Plymouth Rock Assurance FAQs

Is Foremost or Plymouth Rock Assurance cheaper?

Looking just at the national average rates, Foremost is the more affordable of the two carriers, offering average rates of $270 per month compared to $274 for Plymouth Rock Assurance. However, Foremost won't necessarily be the cheapest carrier for everyone, since there are many different factors that come into play when it comes to your auto insurance cost.

Who is better, Foremost or Plymouth Rock Assurance?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all boils down to your unique insurance profile. For example, Plymouth Rock Assurance offers cheaper prices for drivers with an at-fault accident on their record, while Foremost is less expensive for drivers who have less-than-stellar credit scores.

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

Auto insurance companies take a look at many different variables when determining the rates they charge policyholders. Factors like where you call home, gender, age, where you park your car, and sometimes even things like your credit score can all come into play. Both Foremost and Plymouth Rock Assurance calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car 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 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 carrier for you might not be Foremost or Plymouth Rock Assurance at all!

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.