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

Quick Facts

• Looking at the national averages for auto insurance, Plymouth Rock Assurance offers more affordable rates than Metlife
• Metlife may help you save more money -- they offer more discounts than Plymouth Rock Assurance
• Plymouth Rock Assurance offers more affordable premiums for policyholders who have a clean record

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Metlife or Plymouth Rock Assurance, but which company will save you the most?

As you can see, Plymouth Rock Assurance has average rates that are around 19% a month less expensive than those from Metlife when looking at the national average rates for insurance.

Even so, that doesn't mean Plymouth Rock Assurance will necessarily be cheaper than Metlife for every driver. Car insurance carriers vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and all sorts of other factors, so prices will differ quite a bit from person to person.

Wanting to know if Metlife 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.

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

Metlife and Plymouth Rock Assurance only compete against each other in two states, with Plymouth Rock Assurance offering less expensive rates to the average driver in all of them. New Jersey has the most noticable difference, where Plymouth Rock Assurance premiums are $287 more affordable than auto insurance prices at Metlife.

That being said, there's a lot more that goes into your car insurance bill 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 rates of any group on the road. Generally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Plymouth Rock Assurance save almost 15% per month compared to those who use Metlife. It's worth noting that Metlife offers insurance in 44 different states compared to Plymouth Rock Assurance's two, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Metlife policyholders reduce about $500 and Plymouth Rock Assurance's prices decrease over $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever see.

So, which company offers the best prices to retired drivers? Plymouth Rock Assurance gets the edge here, with average premiums coming in at around $164 per month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be cheaper for married drivers than they are for single drivers. This usually boils down to married policyholders having multiple vehicles on their policy -- something lots of car insurance carriers will reward with discounts.

For single policyholders, the difference in average prices between these two companies is significant, with Plymouth Rock Assurance premiums coming in at a quarter less than Metlife's. The advantage is also clear for married couples - Plymouth Rock Assurance offers the most affordable average prices.

Metlife or Plymouth Rock Assurance: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to insurance men will usually end up paying a little more.

With Metlife, men typically pay nearly 10% more a month than women., but with Plymouth Rock Assurance, the difference is closer to 9% per month.

When it comes to the cheapest rates for each gender, Plymouth Rock Assurance comes out as the most affordable option for both genders, with average premiums 19% less for men and 20% cheaper for women.

Metlife 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 auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, Plymouth Rock Assurance has the edge, with average monthly rates 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 Metlife's $466.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and collisions will most likely raise your premiums, but is Metlife or Plymouth Rock Assurance less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Metlife for their insurance can normally expect their monthly bill to go up around 21% 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, Metlife tends to offer the best prices at around 15% cheaper, while Plymouth Rock Assurance has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Metlife drivers who get in a collision can expect to see their premiums climb by just under $150, while those who have insurance through Plymouth Rock Assurance will see about a $55 increase.

At the end of the day, drivers who use Plymouth Rock Assurance end up with the cheaper prices after an accident, with average prices coming in at $262 compared to MetLife's $368.

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 speeding ticket when it comes to your car insurance bill. Metlife drivers usually see a 55% increase in their auto insurance rates after a DUI charge, while Plymouth Rock Assurance will generally climb prices by around 30%.

Plymouth Rock Assurance has the overall lowest premiums for drivers with a DUI on their records at $296 monthly, but it's worth noting that Metlife's average rates come from 44 states compared to just two for Plymouth Rock Assurance, so the data may be skewed slightly.

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

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for several policyholders.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Metlife will usually reward you the most for an "excellent" credit score. For policyholders with "excellent" credit scores, Metlife comes in nearly 8% more affordable. Drivers with "good" credit scores typically save about 2% with Plymouth Rock Assurance compared to average prices from Metlife.

Which Company is Best for Drivers with Bad Credit?

Plymouth Rock Assurance typically offers lower rates than Metlife when it comes to drivers with bad credit. Drivers with "fair" credit pay around 9% per month less with Plymouth Rock Assurance compared to Metlife, and those with "poor" scores normally save an average of about 17% a month.

Is Metlife 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 insurance cost. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in an accident 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 Metlife, with drivers who put 6,000 miles on their car annually paying around $3 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Plymouth Rock Assurance is the cheaper company.

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

Where your home is can have a pretty big impact on your monthly auto insurance payment. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads where they live.

When comparing these two carriers side-by-side, Plymouth Rock Assurance typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Plymouth Rock Assurance's average premiums are about $355 while Metlife offers rates around $389. Drivers in suburban ZIP codes pay a monthly rate of about $283 with Plymouth Rock Assurance compared to $333 with Metlife. Those in rural areas can expect to pay around $183 monthly with Plymouth Rock Assurance and $299 with Metlife.

Metlife vs. Plymouth Rock Assurance Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Metlife and Plymouth Rock Assurance offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Metlife knocks Plymouth Rock Assurance out of the park when it comes to the sheer number of discounts available, offering 36 different discounts to Plymouth Rock Assurance's 16.

There are a couple discounts both companies offer, but Metlife also offers discounts for AAA, ABS, academic, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own for things like advance quote discounts, driver training discounts, paid in full discounts, and more.

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

So, you've seen how different factors can affect your insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Metlife or Plymouth Rock Assurance the right carrier for you, your vehicle, and your wallet?

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

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You want the most robust protection via a "full coverage" policy.
• You are purchasing your car insurance with a spouse.

Metlife might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You've received a ticket for speeding recently and don't want to see your prices rise.
• You care about discounts (Metlife offers the most).

Hopefully, this guide helps you get a better idea of the difference between Metlife and Plymouth Rock Assurance. We also hope we've given you the information you need to make the best decision about 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 Metlife and Plymouth Rock Assurance. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Metlife vs. Plymouth Rock Assurance FAQs

Is Metlife or Plymouth Rock Assurance cheaper?

Plymouth Rock Assurance is the less expensive of the two carriers when looking at national average rates, with policies averaging $274 a month with Plymouth Rock Assurance and $340 for Metlife. That being said, that doesn't mean Plymouth Rock Assurance will be the most affordable company for everyone, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Metlife or Plymouth Rock Assurance?

Sadly, the answer truly is "it depends.". No single carrier is "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, Metlife is more affordable for drivers with excellent credit, while Plymouth Rock Assurance offers cheaper prices for drivers with a recent DUI.

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

Car insurance companies use quite a few different factors when determining the premiums they charge. Things like gender, where you park your car, age, your driving record, and sometimes even things like your credit score can all come into play. Both Metlife 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 cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Metlife 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 a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code 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 best price. And maybe you'll find that the best company for you isn't Metlife 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.