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

Quick Facts

• Looking at the national averages for auto insurance, Safety offers significantly more affordable prices than Plymouth Rock Assurance
• Plymouth Rock Assurance offers less expensive average rates for drivers with a DUI charge on their record
• Safety tends to be a much cheaper option for residents of rural areas

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Plymouth Rock Assurance or Safety for your next policy, but between the two, which carrier has more affordable premiums for insurance?

Looking at the national average rates for both companies, Safety has average rates that are about 21% per month cheaper than those from Plymouth Rock Assurance.

However, that doesn't necessarily mean Safety will be the less expensive option for each driver. Auto insurance carriers use a ton of complex algorithms to calculate rates, so depending on how old you are or how good your credit score is (among an array of other factors), you could see wildly different prices from the ones above.

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

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

Plymouth Rock Assurance and Safety only compete against each other in one states, with Plymouth Rock Assurance offering more affordable prices to the average driver in all of them. Massachusetts has the most noticable difference, where Plymouth Rock Assurance rates are over 70% less expensive than car insurance premiums at Safety.

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

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of more than $400 less a month by choosing Safety over Plymouth Rock Assurance.

But both companies will drop rates by the time you turn 25. Safety offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Plymouth Rock Assurance still has the lowest premiums at $203 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance prices you'll ever find. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase rates.

When looking at Plymouth Rock Assurance and Safety specifically, which carrier is best for retired drivers? Plymouth Rock Assurance gets the slight edge here, with average prices coming in at around $164 per month compared to Safety's $164. That being said, the difference is only about 5%, so other factors (such as your driving record is or your credit score) will likely come into play when determining which company has the lowest rates for you.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance premiums than married couples. That's typically because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Safety is the clear winner for single drivers, with prices around $106 per month cheaper than Plymouth Rock Assurance, on average. It's not quite so glaring for married drivers, where drivers who use Plymouth Rock Assurance save about $10 a month.

Plymouth Rock Assurance vs. Safety: Average Rates by Gender

You may not know, but car insurance is normally cheaper for women than it is for men. This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim.

With Plymouth Rock Assurance, men generally pay over $25 per month more than women, and around $11 more with Safety.

Looking at overall affordability, Safety offers the most affordable average rates for both men and women. On average, male drivers save about $64 a month and women save about $48 with Safety compared to the average Plymouth Rock Assurance policyholder.

Plymouth Rock Assurance or Safety: 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 limits that it can make it pretty confusing to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, Safety usually offers significantly more affordable premiums of $122 compared to Plymouth Rock Assurance's $165. When it comes to full coverage policies with similar limits, Safety again has the edge, with policies around $70 per month cheaper than Plymouth Rock Assurance, on average.

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

You've probably seen plenty of commercials from car 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.

It's no secret secret that tickets and collisions lead to higher premiums, but which carrier -- Plymouth Rock Assurance or Safety -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Plymouth Rock Assurance policyholders can expect their prices to go up an average of $120 a month if they get a ticket, while Safety normally raises premiums about $61 per month, on average.

That being said, Safety tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 38% and 42% less expensive, respectively, compared to Plymouth Rock Assurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault accident with Safety raising by over $95. Plymouth Rock Assurance has a less extreme climb, but you can still expect to pay just under $55 more than you were prior to your first collision.

Overall, drivers who use Safety end up with the cheaper prices after an accident, with monthly prices averaging $226 compared to Plymouth Rock Assurance's $262.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Safety will raise your rates around 60% after a DUI, while Plymouth Rock Assurance's average premiums rise by just under 30%.

If you have a DUI on your record and are looking for more affordable rates, Plymouth Rock Assurance tends to be the much more affordable option with average prices of $296 a month compared to $324 from Safety.

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

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect a lot of drivers out there.

Insurance companies 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 at Plymouth Rock Assurance and Safety specifically, which one has the lowest 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 Safety. Policyholders with "excellent" credit can save over 40% compared to Plymouth Rock Assurance, and those with "good" scores can also expect to see savings -- about $118 or 44% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Safety typically offers lower prices than Plymouth Rock Assurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $122 a month less with Safety compared to Plymouth Rock Assurance, and those with "poor" scores usually save an average of about $180 monthly.

Is Plymouth Rock Assurance or Safety 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 rates. Typically, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

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 Safety, with policyholders who drive 6,000 miles yearly paying around $3 less every month compared to those who drive 12,000 miles annually. Still, Safety is the cheaper option for drivers in both categories.

Plymouth Rock Assurance vs. Safety: 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 insurance, but the type of area you live in can have a big impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Safety boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but Safety comes out on top with average prices about $148 per month. Safety also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a 21% and 22% per month respective difference when compared to Plymouth Rock Assurance drivers in similar areas.

Plymouth Rock Assurance vs. Safety 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 car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

In the table below, we've compared all of the different discounts offered by Plymouth Rock Assurance and Safety so that you can see which company can save you the most money each month.

Overall, Safety comes out ahead with 18 discounts to Plymouth Rock Assurance's 16.

Both companies offer a lot of the same discounts -- like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and mature driver discounts -- but Safety also offers annual mileage discounts, book transfer policy discounts, e-signature discounts, and more that Plymouth Rock Assurance does not.

On the flip side, Plymouth Rock Assurance has a couple unique discounts of its own -- agency transfer discounts, discounts for being a defensive driver, paid in full discounts, and more.

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

So, we've broken down the average premiums for many of the variables insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best fit for you?

Safety might be best for you if....

• You want to save money on your auto insurance after an accident.
• You have above-average credit.
• You don't spend much time in your car.

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

• You have a DUI charge on your record.
• You are over 65 years old and want to save some money on your insurance.
• You and your spouse are buying car insurance together.

We hope this guide helps you get a good idea of the differences between Plymouth Rock Assurance and Safety. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 Plymouth Rock Assurance and Safety. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Plymouth Rock Assurance vs. Safety FAQs

Is Plymouth Rock Assurance or Safety cheaper?

Looking just at the national average prices, Safety is the less expensive of the two companies, offering average rates of $217 a month compared to $274 for Plymouth Rock Assurance. But Safety won't necessarily be the most affordable company for each driver, since there are many different factors that come into play when it comes to your auto insurance cost.

Who is better, Plymouth Rock Assurance or Safety?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Safety offers cheaper rates for single policyholders, while Plymouth Rock Assurance is more affordable for drivers who have already retired.

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

Car insurance carriers take a look at lots of different variables when calculating the premiums they charge drivers. Factors such as gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be used. Both Plymouth Rock Assurance and Safety calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers 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 free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Plymouth Rock Assurance or Safety 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.