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

How do Personal Service and Plymouth Rock Assurance compare when it comes to car insurance rates and discounts? If you want to find out which company has the best premiums for your unique profile, check out our latest guide below.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • In general, Plymouth Rock Assurance offers cheaper prices than Personal Service
  • Personal Service tends to be a much more affordable option for drivers who have received a ticket within the last few years
  • Plymouth Rock Assurance offers more affordable premiums for policyholders who have a clean record


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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Personal Service or Plymouth Rock Assurance, but which one will save you the most?

Personal Service Plymouth Rock Assurance
$325$274

As you can see, Plymouth Rock Assurance has average rates that are about 16% per month less expensive than those from Personal Service when looking at the national average rates for auto insurance.

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

Wanting to know if Personal Service or Plymouth Rock Assurance is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Personal Service or Plymouth Rock Assurance: Average Car Insurance Rates by State

State Personal Service Plymouth Rock Assurance
NJ$325$315

Personal Service and Plymouth Rock Assurance only compete against each other in New Jersey, where Plymouth Rock Assurance offers the cheaper average prices. For New Jersey residents, Plymouth Rock Assurance offers auto insurance for $315 per month on average. Personal Service's average premiums come out to be more expensive, at $325 a month.

That being said, there are plenty of other factors that go into your insurance cost than just where you live. Keep reading to find out more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

Personal Service Plymouth Rock Assurance
18-year-old drivers$624$830
25-year-old drivers$318$203

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Personal Service save more than $200 a month compared to those who use Plymouth Rock Assurance.

Even so, both carriers will drop rates once you 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. Personal Service's average prices decrease nearly 50% during that same period.

Which is the Best Company for Retired Drivers?

Personal Service Plymouth Rock Assurance
65+-year-old drivers$231$164

Once you approach retirement age, you'll typically enjoy the lowest car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

When looking at Personal Service and Plymouth Rock Assurance specifically, which company is best for retired drivers? Plymouth Rock Assurance gets the edge, with prices for drivers 65 and older $67 more affordable than the national average for Personal Service.

Which is the Best Company for Married Drivers?

Personal Service Plymouth Rock Assurance
Single$370$347
Married$265$176

Married drivers tend to get slightly less expensive auto insurance premiums than single policyholders. That's because policies for married policyholders usually cover more than one car, which many companies will offer you a discount for.

When it comes to relationship status, the two carriers are comparable for those who are single, with rates only differing around $23 per month, on average. The advantage for married couples is more obvious, where drivers who use Plymouth Rock Assurance save almost $90 a month.

Personal Service vs. Plymouth Rock Assurance: Average Rates by Gender

Personal Service Plymouth Rock Assurance
Male$348$287
Female$302$260

Because men are more likely to get tickets and get into accidents, they have a higher chance of filing a claim with insurance. Therefore, men tend to pay more for car insurance than women.

Generally, men see prices over $45 per month higher with Personal Service, while with Plymouth Rock Assurance, the difference is closer to $27 a month.

Looking at overall affordability, Plymouth Rock Assurance comes out on top for both men and women, with average premiums $61 less for men and $42 cheaper for women.


Find your best rate in just a few minutes


Personal Service or Plymouth Rock Assurance: Compare State Minimum vs. Full Coverage Rates

Personal Service Plymouth Rock Assurance
State Minimum*$228$165
Full Coverage**$422$383

*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 a complicated subject for most people. There are many 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.

That being said, most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Plymouth Rock Assurance generally offers significantly cheaper rates of $165 compared to Personal Service's $228. When it comes to full coverage policies with similar limits, Plymouth Rock Assurance again has the edge, with policies about $40 per month less expensive than Personal Service, on average.

Is Personal Service 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 tickets and at-fault accidents lead to higher premiums, but which carrier -- Personal Service or Plymouth Rock Assurance -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Personal Service Plymouth Rock Assurance
Clean Record$258$208
1 Speeding Ticket$293$328

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

If you have a clean record, Plymouth Rock Assurance tends to offer the best prices at about 19% more affordable, while Personal Service has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Personal Service Plymouth Rock Assurance
Clean Record$258$208
1 At-Fault Accident$348$262

Personal Service drivers who get in an accident can expect to see their rates climb by $90, while those who have insurance through Plymouth Rock Assurance will see around a $55 increase.

Overall, the cheaper premiums come from Plymouth Rock Assurance, with monthly rates averaging $262 compared to Personal Service Insurance Company's $348.

Which Company is Best for Drivers with a DUI?

Personal Service Plymouth Rock Assurance
Clean Record$258$208
1 DUI$400$296

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than a collision or ticket. Personal Service drivers usually see a 36% increase in their insurance prices after a DUI charge, while Plymouth Rock Assurance will generally raise rates by about 30%.

If you have a DUI on your record and are looking for more affordable prices, Plymouth Rock Assurance tends to be the much less expensive option with average premiums of $296 monthly compared to $400 from Personal Service.


Find your best rate in just a few minutes


How does Credit Score Impact Personal Service and Plymouth Rock Assurance Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, are two states that ban the practice entirely), but it might come into play for quite a few policyholders.

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

Looking at Personal Service and Plymouth Rock Assurance specifically, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Personal Service Plymouth Rock Assurance
Excellent Credit Score$262$242
Good Credit Score$312$269

Which Company is Best for Drivers with Bad Credit?

Personal Service Plymouth Rock Assurance
Fair Credit Score$345$310
Poor Credit Score$380$441

Find your best rate in just a few minutes


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

Personal Service Plymouth Rock Assurance
6,000 Annual Miles$325$274
12,000 Annual Miles$325$274

Did you know that the amount of time you spend in your car have a pretty big impact on how much car insurance companies will charge for coverage? Typically, the more miles you put on your car, the more you can expect to pay for coverage.

In this case, neither Personal Service or Plymouth Rock Assurance report increasing premiums for drivers with higher annual mileage figures. Plymouth Rock Assurance comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $274 a month for both.

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

Where you live can play a sizable role in how much you pay for insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the roads in those areas.

Personal Service Plymouth Rock Assurance
Urban Areas$402$355
Suburban Areas$355$283
Rural Areas$217$183

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

For drivers in urban ZIP codes, Plymouth Rock Assurance offers rates around $355 per month compared to Personal Service's $402. People who live in suburban ZIP codes can expect to pay about $283 per month for Plymouth Rock Assurance and $355 for Personal Service. Lastly, those in rural areas tend to get the cheapest prices from both companies, with average monthly premiums coming in at $183 and $217 for Plymouth Rock Assurance and Personal Service respectively.

Personal Service 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 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.

Below, we've taken a look at all of the different discounts Personal Service and Plymouth Rock Assurance offer their customers so that you can find the company that has the most discounts and, therefore, the biggest savings.

Personal Service Plymouth Rock Assurance
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount
Cellphone Safety Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount 
Group Discount 
Homeowner Discount 
Mature Driver Discount 
Multi-Car Discount
Multi-Car/Single Driver Discount 
Multi-Policy Discount 
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount 
Prior Insurance Discount 

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

A couple of those are overlapping for things like anti-theft discounts, discounts for insuring multiple cars with the same company, and paid in full discounts. Plymouth Rock Assurance also offers advance quote discounts, agency transfer discounts, distant student discounts, and more that Personal Service does not.

On the flip side, Personal Service has a couple unique discounts of its own -- cellphone safety discounts, good payer discounts, discounts for being a homeowner, and more.


Find your best rate in just a few minutes


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

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best fit for you?

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

  • You have above-average credit.
  • You're looking for more protection with "full coverage" car insurance.
  • You drive fewer than 6,000 miles annually.


Personal Service might be best for you if...

  • You have received a ticket within the last few years.
  • You're buying insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Personal Service 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 insurance policy is to compare quotes from a handful of carriers, not just Personal Service and Plymouth Rock Assurance. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.


Find your best rate in just a few minutes


Personal Service vs. Plymouth Rock Assurance FAQs

Is Personal Service or Plymouth Rock Assurance cheaper?

Looking just at the national average rates, Plymouth Rock Assurance is the cheaper of the two carriers, offering average rates of $274 a month compared to $325 for Personal Service. But Plymouth Rock Assurance won't necessarily be the lowest carrier for each policyholder, since there are a variety of different variables that come into play when it comes to your auto insurance bill.

Who is better, Personal Service or Plymouth Rock Assurance?

Unfortunately, the answer truly is "it depends.". No single company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Plymouth Rock Assurance offers more affordable premiums for policyholders with an at-fault accident on their record, while Personal Service is less expensive for drivers who have less-than-stellar credit scores.

Why do Personal Service and Plymouth Rock Assurance offer me different rates?

Insurance companies take a look at a lot of different factors when calculating the rates they charge drivers. Things like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Personal Service 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 cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Personal Service 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 companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Personal Service 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes