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

Quick Facts

• Based on national averages for insurance, GEICO offers significantly less expensive rates than Plymouth Rock Assurance
• GEICO offers more discounts than Plymouth Rock Assurance
• Plymouth Rock Assurance offers more affordable premiums for residents in Massachusetts and New Jersey

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to GEICO or Plymouth Rock Assurance for your next policy, but which one has cheaper prices for car insurance?

Looking at the national average rates for both companies, GEICO is quite a bit cheaper than Plymouth Rock Assurance, with rates averaging $185 per month compared to $274 with Plymouth Rock Assurance.

That being said, GEICO may not be the most affordable or best option for every single driver out there. Auto insurance carriers use a ton of complex algorithms to calculate premiums, so depending on how old you are or how good your credit score is (among a multitude of other factors), you could see wildly different prices from the ones above.

Wanting to know if GEICO 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.

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

GEICO 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, GEICO is the less expensive of the two companies when looking at the overall average premiums. Plymouth Rock Assurance is the cheaper option in Massachusetts.

That being said, there's a lot more that goes into your insurance cost than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use GEICO save more than $450 a month compared to those who use Plymouth Rock Assurance. It's worth noting that GEICO offers auto insurance in 50 different states compared to Plymouth Rock Assurance's two, which can skew the average rates a bit, but the difference here is still considerable.

Even so, with both carriers, you'll see your premiums decrease significantly by the time drivers turn 25. Plymouth Rock Assurance offers the steepest reduction, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. That being said, GEICO still has the lowest rates at $163 per month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest insurance prices out there. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase premiums.

So, which company offers the best prices to retired drivers? GEICO gets the slight edge, with rates for drivers 65 and older nearly 10% more affordable than the national average for Plymouth Rock Assurance.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are usually less expensive for married couples than they are for single policyholders? That's generally because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, GEICO is the clear winner for single drivers, with prices about $139 per month more affordable than Plymouth Rock Assurance, on average. The advantage is also clear for married drivers - GEICO offers the lowest average rates.

GEICO vs. Plymouth Rock Assurance: Average Rates by Gender

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

With GEICO, men usually pay almost $10 a month more than women, and around $27 more with Plymouth Rock Assurance.

Looking at the data for each carrier specifically, GEICO offers the most affordable average rates for both men and women. On average, women save about $79 per month and men save about $98 with GEICO compared to the average Plymouth Rock Assurance policyholder.

GEICO 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.

Insurance isn't the easiest topic to understand. There are a variety of different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, GEICO typically offers significantly cheaper prices of $101 compared to Plymouth Rock Assurance's $165. When it comes to full coverage policies with similar limits, GEICO again has the edge, with policies around $100 a month more affordable than Plymouth Rock Assurance, on average.

Is GEICO 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 car 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 collisions and tickets lead to higher rates, but which company -- GEICO or Plymouth Rock Assurance -- has the cheapest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO policyholders can expect their prices to go up an average of $35 per month if they get a ticket, while Plymouth Rock Assurance usually raises rates about $120 a month, on average.

Even so, GEICO tends to offer the best prices for drivers both with a speeding ticket and with a clean record -- their rates are around 45% less expensive for drivers with clean records and 54% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

GEICO drivers who get in an accident can expect to see their prices rise by just under 45%, while those who have insurance through Plymouth Rock Assurance will see around a 20% increase.

Overall, GEICO offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $200 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 auto insurance bill -- typically a lot more than a collision or ticket. On average, GEICO will increase your rates about 58% after a DUI, while Plymouth Rock Assurance's average premiums climb by just under 30%.

GEICO has the overall cheapest prices for drivers with a DUI on their records at $275 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just two for Plymouth Rock Assurance, so the data may be skewed slightly.

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

Often times, your credit score can be used as one of the variables to determine your monthly insurance rates. This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for a lot of policyholders.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at GEICO and Plymouth Rock Assurance specifically, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with GEICO. Policyholders with "excellent" credit can save over 45% compared to Plymouth Rock Assurance, and those with "good" scores can also expect to see savings -- around $105 or 39% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

GEICO typically offers lower prices than Plymouth Rock Assurance when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $113 per month less with GEICO compared to Plymouth Rock Assurance, and those with "poor" scores normally save an average of around $188 a month.

Is GEICO 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 premiums. Generally, those who drive less will end up with cheaper rates since there's less of a chance of getting into an accident and causing 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 premiums for GEICO, with policyholders who drive 6,000 miles annually paying about $8 less each month compared to those who drive 12,000 miles every year. Still, GEICO is the less expensive option for drivers in both categories.

GEICO vs. 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 car insurance, but the type of area you live in can have a substantial impact as well. Usually, 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.

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

Policyholders in rural ZIP codes see the most affordable rates from both carriers, but GEICO comes out on top with average prices around $159 monthly. GEICO also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a $144 and $98 a month respective difference when compared to Plymouth Rock Assurance policyholders in similar areas.

GEICO 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 utilizing as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

In the table below, we've broken down all of the different discounts offered by both GEICO and Plymouth Rock Assurance so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

GEICO blows Plymouth Rock Assurance away when it comes to the sheer amount of discounts available, offering 28 different discounts to Plymouth Rock Assurance's 16.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for getting driver training, discounts for being a good driver, and mature driver discounts. GEICO also offers ABS discounts, commercial drivers license discounts, COVID-19 relief discount, and more that Plymouth Rock Assurance does not.

On the flip side, Plymouth Rock Assurance has a couple unique discounts of its own -- advance quote discounts, agency transfer discounts, renewal discounts, and more.

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

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each company offers, too. But, at the end of the day, which carrier is the best one for you and your specific profile and needs?

GEICO might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You are over 65 years old and want to save some money on your car insurance.

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

• You like the personalized touch of a small, regional company.

We hope this guide has ben a valuable resource as you compare GEICO and Plymouth Rock Assurance. We also hope we've given you the information you need to make the best decision about your 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 auto insurance -- comparing quotes from a handful of companies, not just GEICO and Plymouth Rock Assurance. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

GEICO vs. Plymouth Rock Assurance FAQs

Is GEICO or Plymouth Rock Assurance cheaper?

Looking just at the national average rates, GEICO is the less expensive of the two companies, offering average rates of $185 per month compared to $274 for Plymouth Rock Assurance. However, GEICO won't necessarily be the cheapest carrier for each driver, since there are a range of different variables that come into play when it comes to your car insurance bill.

Who is better, GEICO or Plymouth Rock Assurance?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for every driver -- it all depends on the makeup of your unique auto insurance profile.

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

Insurance carriers take a look at several different factors when calculating the premiums they charge drivers. Variables such as gender, where your home is, your driving record, age, and sometimes even things like your credit score can all come into play. Both GEICO and Plymouth Rock Assurance use different formulas, 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 lots of different companies.

How do I know if GEICO 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 several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be GEICO 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.