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

Quick Facts

• In general, Selective offers significantly cheaper prices than Plymouth Rock Assurance
• Plymouth Rock Assurance offers more discounts than Selective Insurance
• Selective offers more affordable rates for residents of urban areas

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

So, you're thinking about switching your auto insurance. 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 be considering Plymouth Rock Assurance or Selective for your next policy, but which one will save you the most?

Looking at nationwide averages, Selective is quite a bit cheaper than Plymouth Rock Assurance, with prices averaging $184 per month compared to $274 with Plymouth Rock Assurance.

That being said, that doesn't mean Selective will necessarily be more affordable than Plymouth Rock Assurance for every driver. Insurance companies use a ton of complex algorithms to calculate premiums, so depending on where you live or how old you are (among numerous other factors), you could see wildly different rates from the ones above.

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

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

Plymouth Rock Assurance and Selective only compete against each other in New Jersey, where Selective offers the cheaper average rates. For New Jersey residents, Selective offers car insurance for $184 a month on average. Plymouth Rock Assurance's average premiums come out to be over 70% more expensive, at $315 monthly.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance carriers determine your rates. Read on to find out more.

Which is the Best Company For Young Drivers?

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

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 Selective save nearly $400 a month compared to those who use Plymouth Rock Assurance.

But with both companies, you'll see your premiums lower significantly by the time you turn 25. For example, average prices for Plymouth Rock Assurance policyholders reduce more than 75% and Selective's premiums decrease almost 65% 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 most affordable rates out there.

So, which carrier offers the best premiums to retired drivers? Selective gets the edge here, with average prices coming in at about $120 per month compared to Plymouth Rock Assurance's $164.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married drivers. That's typically because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Selective is the clear winner for those who are single, with premiums around $129 per month less expensive than Plymouth Rock Assurance, on average. For married policyholders, the advantage is clear again - Selective has the edge when it comes to average prices.

Plymouth Rock Assurance vs. Selective: Average Rates by Gender

Men tend to pay more for auto insurance than women. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

With Plymouth Rock Assurance, men normally pay nearly 10% more a month than women., while with Selective, the difference is closer to 5% per month.

Looking at the data for each company specifically, Selective offers the cheapest average premiums for both men and women, with average rates 34% less for men and 31% cheaper for women.

Plymouth Rock Assurance or Selective: 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.

Insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Selective generally offers cheaper prices of $127 compared to Plymouth Rock Assurance's $165. When it comes to full coverage policies with similar limits, Selective again has the edge, with policies about $150 a month more affordable than Plymouth Rock Assurance, on average.

Is Plymouth Rock Assurance or Selective 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the lowest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Plymouth Rock Assurance policyholders can expect their premiums to go up an average of $120 per month if they get a ticket, while Selective typically raises prices around $76 a month, on average.

However, Selective tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save about $67 per month and drivers with a ticket can save around $111 a month with Selective Insurance.

Which Company is Best for Drivers After an Accident?

Plymouth Rock Assurance drivers who get in an accident can expect to see their rates rise by over 20%, while those who have insurance through Selective will see about a 15% increase.

Overall, drivers who use Selective end up with the cheaper prices after an accident, with monthly premiums averaging $162 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 accident or speeding ticket when it comes to your auto insurance bill. Plymouth Rock Assurance drivers usually see a 30% increase in their insurance prices after a DUI charge, while Selective will normally raise premiums by around 35%.

If you have a DUI on your record and are looking for more affordable prices, Selective tends to be the much less expensive option with average rates of $217 a month compared to $296 from Plymouth Rock Assurance.

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

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, California and Michigan are two states that ban the practice entirely), but it will come into play for many policyholders.

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, drivers with bad credit will often be forced to pay more.

Looking specifically at Plymouth Rock Assurance and Selective, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Selective. Drivers with "excellent" credit can save over 25% compared to Plymouth Rock Assurance, and those with "good" scores can also expect to see savings -- about $89 or 33% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Selective typically offers lower prices than Plymouth Rock Assurance when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $127 per month less with Selective compared to Plymouth Rock Assurance, and those with "poor" scores typically save an average of about $246 monthly.

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

How much you drive can have a substantial impact on how much insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with less expensive rates since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither Plymouth Rock Assurance or Selective report increasing prices for drivers with higher annual mileage figures. Selective comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $184 a month for both.

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

Where you call home can have a considerable impact on your monthly auto insurance bill. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Selective usually comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both companies, but Selective comes out on top with average rates around $139 per month. Selective also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a 41% and 28% per month respective difference when compared to Plymouth Rock Assurance policyholders in similar areas.

Plymouth Rock Assurance vs. Selective Discounts

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

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.

Below, we've taken a look at all of the different discounts Plymouth Rock Assurance and Selective offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Plymouth Rock Assurance has advantage when it comes to total number of discounts. Selective offers a grand total of 13 discounts, while Plymouth Rock Assurance has 16.

There are a couple discounts both carriers offer, but Plymouth Rock Assurance also offers agency transfer discounts, mature driver discounts, paid in full discounts, and more that Selective does not.

On the flip side, Selective has a couple unique discounts of its own -- occasional operator discounts, passive restraint discounts, and prior insurance discounts.

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

So, we've broken down the average rates for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, is Plymouth Rock Assurance or Selective the right company for you, your vehicle, and your wallet?

Selective might be best for you if....

• You've been pulled over for speeding recently.
• You already have a great credit score.
• You drive fewer than 6,000 miles every year.

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

• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between Plymouth Rock Assurance and Selective. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Plymouth Rock Assurance and Selective. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Plymouth Rock Assurance vs. Selective FAQs

Is Plymouth Rock Assurance or Selective cheaper?

Looking just at the national average prices, Selective is the more affordable of the two carriers, offering average rates of $184 a month compared to $274 for Plymouth Rock Assurance. Even so, Selective won't necessarily be the most affordable company for each driver, since there are lots of different variables that come into play when it comes to your insurance payment.

Who is better, Plymouth Rock Assurance or Selective?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for every driver -- it all depends on the makeup of your unique auto insurance profile.

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

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

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple 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 car insurance carriers 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 Selective 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.