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

Quick Facts

• In general, Penn National offers significantly more affordable rates than Plymouth Rock Assurance
• Penn National tends to be a much less expensive option for drivers who have below-average credit
• Plymouth Rock Assurance has cheaper prices for drivers with a DUI

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

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might have narrowed it down to Penn National or Plymouth Rock Assurance as potential options, but which carrier has more affordable premiums for insurance?

As you can see, Penn National is around $56 a month cheaper than Plymouth Rock Assurance when looking at the national average rates for car insurance.

But that doesn't mean Penn National will necessarily be less expensive than Plymouth Rock Assurance for every driver. Insurance carriers use tons of complex algorithms to determine rates, so depending on how good your credit score is or where you live (among a whole range of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both Penn National and Plymouth Rock Assurance by multiple different rate factors, so read on to find out which carrier is the best for you.

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

Penn National and Plymouth Rock Assurance only compete against each other in one states, with Penn National offering more affordable premiums to the average driver in all of them. New Jersey has the most noticable difference, where Penn National prices are $34 cheaper than auto insurance premiums at Plymouth Rock Assurance.

There's a lot more that goes into your insurance payment than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group out there on the road. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Penn National save over 45% per month compared to those who use Plymouth Rock Assurance.

That being said, both companies will offer you dramatically lower prices by the time you 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. That being said, Penn National still has the cheapest rates at $193 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable car insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise prices.

When looking at Penn National and Plymouth Rock Assurance specifically, which company is best for retired drivers? In this case, Penn National has the slight edge, with rates about $1 a month less than Plymouth Rock Assurance. However, the difference is only around 5%, so other factors (like your driving record or where you live) will likely come into play when determining which carrier has the cheapest premiums for you.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically less expensive for married policyholders than they are for those who are single? That's generally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with Penn National rates coming in at a quarter less than Plymouth Rock Assurance's. It's not quite so glaring for married drivers, where drivers who use Penn National save about $3 per month.

Penn National or Plymouth Rock Assurance: Average Rates by Gender

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

Usually, women see premiums around $5 a month cheaper with Penn National, and about $27 less with Plymouth Rock Assurance.

Looking at the data for each company specifically, Penn National offers the lowest average prices for both men and women, with average rates 23% less for men and 17% cheaper for women.

Penn National 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 insurance can be pretty complicated. There are several different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Penn National has the edge, with average monthly prices coming in at $144. If you want a full coverage policy with the same state minimum limits, Penn National again has the edge, with policies averaging around $292 per month to Plymouth Rock Assurance's $383.

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

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

It's no secret secret that speeding tickets and at-fault accidents lead to higher prices, but which carrier -- Penn National or Plymouth Rock Assurance -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Penn National for their auto insurance can usually expect their monthly bill to go up about 22% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of around 37%.

But Penn National is normally the more affordable option for drivers both with clean records and with a ticket -- their rates are around 33% less expensive for drivers with clean records and 45% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Penn National climbing by about 33%. 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 accident.

At the end of the day, the less expensive rates come from Penn National, with average prices coming in at $206 compared to Plymouth Rock Assurance's $262.

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 insurance bill. On average, Penn National will increase your premiums around 60% after a DUI, while Plymouth Rock Assurance's average prices rise by nearly 30%.

But if you end up with a DUI charge and are looking for more affordable rates, Plymouth Rock Assurance tends to be cheaper for the average driver, with monthly premiums coming in at about $296 to Penn National's $346.

How does Credit Score Impact Penn National and Plymouth Rock Assurance Rates?

Did you know many auto insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it will come into play for quite a few drivers.

Car 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.

Looking specifically at Plymouth Rock Assurance and Penn National, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly auto insurance bill. Generally, the more milage you drive, the more you can expect to pay for insurance.

In this case, neither Penn National or Plymouth Rock Assurance report increasing premiums for drivers with higher annual mileage figures. Penn National comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $218 a month for both.

Penn National 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 considerable impact as well. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Penn National typically comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 10% with Penn National compared to Plymouth Rock Assurance. People who live in suburban areas pay about 25% less with Penn National compared to Plymouth Rock Assurance. For policyholders in urban ZIP codes, Penn National Insurance's average rates are around 23% less than Plymouth Rock Assurance.

Penn National vs. Plymouth Rock Assurance Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Penn National and Plymouth Rock Assurance so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Both carriers offer excellent discounts like anti-theft discounts, distant student discounts, discounts for getting driver training, and mature driver discounts.

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

You've seen the role certain variables have on your insurance and the different discounts companies offer. But, when it comes down to it, is Penn National or Plymouth Rock Assurance the right carrier for you, your vehicle, and your wallet?

Penn National might be best for you if....

• You've been pulled over for speeding recently.
• Your neighborhood is in the suburbs.
• You drive fewer than 6,000 miles every year.

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

• Your driving record includes a DUI charge.

Hopefully, this guide helps you get a better idea of the difference between Penn National 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 sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Penn National and Plymouth Rock Assurance. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Penn National vs. Plymouth Rock Assurance FAQs

Is Penn National or Plymouth Rock Assurance cheaper?

Penn National is the more affordable of the two carriers when looking at national average premiums, with policies averaging $218 per month with Penn National and $274 for Plymouth Rock Assurance. Even so, that doesn't mean Penn National will be the most affordable company for everyone, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Penn National or Plymouth Rock Assurance?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Penn National is less expensive for drivers with excellent credit, while Plymouth Rock Assurance offers cheaper rates for drivers with a recent DUI.

Why do Penn National and Plymouth Rock Assurance offer me different rates?

Auto insurance companies use lots of different variables when calculating the prices they charge. Factors like where your home is, gender, where you live, age, and sometimes even things like your credit score can all be used. Both Penn National and Plymouth Rock Assurance calculate premiums using 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 lots of different carriers.

How do I know if Penn National 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, 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 auto insurance carriers for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Penn National 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.