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

Quick Facts

• Looking at the national averages for auto insurance, Grange offers slightly less expensive prices than Plymouth Rock Assurance
• Grange may help you save more money -- they offer more discounts than Plymouth Rock Assurance
• Plymouth Rock Assurance tends to be a much more affordable option for policyholders whose driving record contains an at-fault collision

Grange or 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 big savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Grange or Plymouth Rock Assurance as your top options, but which carrier has cheaper premiums for insurance?

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

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

So, if you want to find out which of Grange or Plymouth Rock Assurance is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

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

Grange and Plymouth Rock Assurance only compete against each other in one states, with Plymouth Rock Assurance offering more affordable premiums to the average driver in all of them. Massachusetts has the most noticable difference, where Plymouth Rock Assurance prices are $159 less expensive than auto insurance rates at Grange.

There are plenty of other factors that go into your insurance cost than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's typically 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.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Grange for their insurance pay almost 35% less than those who use Plymouth Rock Assurance.

Even so, both companies will offer you dramatically lower prices by the time drivers turn 25. Plymouth Rock Assurance offers the steepest decrease, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. Grange's average rates lower nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest auto insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

When looking at Grange and Plymouth Rock Assurance specifically, which company is best for retired drivers? Plymouth Rock Assurance gets the edge, with premiums for drivers 65 and older $36 cheaper than the national average for Grange.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance rates than married policyholders. That's because policies for married drivers usually cover more than one vehicle, which quite a few carriers will give you a discount for.

For those who are single, the difference in average premiums between these two companies is significant, with Grange prices coming in at about 15% less than Plymouth Rock Assurance's. It's not quite so glaring for married couples, where drivers who use Plymouth Rock Assurance save almost 10% per month.

Grange or Plymouth Rock Assurance: Average Rates by Gender

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

Women typically pay around 5% a month less than men with Grange, and about 9% less with Plymouth Rock Assurance.

Looking at overall affordability, Grange offers the cheapest average rates for both men and women. On average, male drivers save about $32 per month and women save around $17 with Grange compared to the average Plymouth Rock Assurance policyholder.

Grange 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 lots of 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.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability coverage).

When it comes to state minimum limits for liability insurance, Plymouth Rock Assurance has the edge, while Grange offers the most affordable average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Plymouth Rock Assurance, while full coverage comes out to be about $70 more affordable with Grange Insurance.

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

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

At-fault accidents and speeding tickets will most likely raise your rates, but is Grange or Plymouth Rock Assurance less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Grange for their insurance can usually expect their monthly bill to go up around 23% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of about 37%.

However, Grange is generally the cheaper option for both drivers who have clean records and those with a recent ticket. With Grange Insurance, drivers with a clean record can save around $28 a month and drivers with a speeding ticket can save about $93 per month.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with Grange climbing by around 32%. Plymouth Rock Assurance has a less extreme raise, but you can still expect to pay more than 20% more than you were prior to your first collision.

At the end of the day, Plymouth Rock Assurance offers the lowest premiums for drivers with an at-fault accident on their records, with average rates coming in at $262 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, Grange increases average premiums by nearly $150 a month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Plymouth Rock Assurance tends to be less expensive for the average driver, with monthly premiums coming in at about $296 to Grange's $314.

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

You may not realized it, but your credit score can be used as one of the variables to determine your monthly insurance prices. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for many policyholders.

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

Looking at Grange and Plymouth Rock Assurance specifically, which one has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Grange will normally reward you the most. For drivers with "excellent" credit scores, Grange comes in over 20.25 more affordable. Drivers with "good" credit scores typically save around 17% with Grange compared to average premiums from Plymouth Rock Assurance.

Which Company is Best for Drivers with Bad Credit?

Grange typically offers lower rates than Plymouth Rock Assurance when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 19% per month less with Grange compared to Plymouth Rock Assurance, and those with "poor" scores normally save an average of around 22% per month.

Is Grange 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 prices. That's because the fewer miles you put on your car, the less likely you are to be in a collision and file 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 Grange, with policyholders who drive the least paying about $2 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Grange is the cheaper carrier.

Grange or 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 sizable impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Grange tends to offer the cheapest option for drivers in urban and suburban areas, while Plymouth Rock Assurance wins in rural areas.

For policyholders in urban ZIP codes, Grange Insurance's average rates are around 18% less than Plymouth Rock Assurance. People who live in suburban areas pay about 17% less with Grange compared to Plymouth Rock Assurance. Those in rural areas can expect to save around 17% with Plymouth Rock Assurance compared to Grange.

Grange vs. Plymouth Rock Assurance Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard 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.

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

Grange 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 anti-theft discounts, distant student discounts, discounts for getting driver training, and group discounts. Grange also offers discounts for ABS, advanced safety feature, annual mileage, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own for things like advance quote discounts, paperless discounts, and UBI discounts.

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

You've seen the role certain factors have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which carrier is the right carrier for you and your specific profile and needs?

Grange might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing car insurance for a teenager.

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

• You want to save money on your insurance after a collision.
• You live in a rural area.
• You are purchasing your auto insurance with a spouse.

Hopefully, this guide has ben a valuable resource as you compare Grange and Plymouth Rock Assurance. We also hope we've given you the information you need to make the best decision about your car 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 a handful of companies, not just Grange 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.

Grange vs. Plymouth Rock Assurance FAQs

Is Grange or Plymouth Rock Assurance cheaper?

Grange is the more affordable of the two companies when looking at national average prices, with policies averaging $249 a month with Grange and $274 for Plymouth Rock Assurance. That being said, that doesn't mean Grange will be the lowest company for everyone, since there are a range of different variables that are considered when it comes to your car insurance bill.

Who is better, Grange or Plymouth Rock Assurance?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, Plymouth Rock Assurance is cheaper for drivers who have already retired, while Grange offers less expensive premiums for single drivers.

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

Auto insurance carriers use lots of different factors when determining the prices they charge. Things such as your driving record, gender, age, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Grange and Plymouth Rock Assurance use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once 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 price. And maybe you'll find that the best company for you isn't Grange 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.