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

Quick Facts

• Based on national averages for auto insurance, State Farm offers significantly more affordable prices than Plymouth Rock Assurance
• State Farm offers cheaper average rates for policyholders who have a short commute
• State Farm offers more affordable premiums for policyholders who live in rural neighborhoods

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

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

You've maybe even narrowed it down to Plymouth Rock Assurance or State Farm for your next policy, but between the two, which carrier will save you the most?

Looking at nationwide averages, Plymouth Rock Assurance has average rates that are around 40% a month more expensive than those from State Farm.

But State Farm may not be the lowest or best option for each driver out there. Car insurance carriers use a variety of complex algorithms to determine prices, so depending on how good your credit score is or how old you are (among a variety of other factors), you could see wildly different rates from the ones above.

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

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

Plymouth Rock Assurance and State Farm only compete against each other in two states, with State Farm offering less expensive rates to the average driver in all of them. Massachusetts has the most noticable difference, where State Farm premiums are $41 more affordable than auto insurance rates at Plymouth Rock Assurance.

There's a lot more that goes into your insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It'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 premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 55% less per month by choosing State Farm over Plymouth Rock Assurance.

However, both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for Plymouth Rock Assurance policyholders drop over 75% and State Farm's prices reduce nearly 60% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Plymouth Rock Assurance and State Farm specifically, which company is best for retired drivers? State Farm gets the edge here, with average prices coming in at about $111 a month compared to Plymouth Rock Assurance's $164.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having more than one vehicle on their policy -- something a lot of car insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with State Farm premiums coming in at around half of Plymouth Rock Assurance's. The advantage for married policyholders with State Farm is also obvious, where drivers save about $50 a month.

Plymouth Rock Assurance or State Farm: 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 insurance men will usually end up paying a little more.

Typically, men see prices almost 10% per month higher with Plymouth Rock Assurance, and around 7% more with State Farm.

Looking at the data for each carrier specifically, State Farm offers the cheapest average premiums for both men and women, with average rates $123 less for men and $108 cheaper for women.

Plymouth Rock Assurance vs. State Farm: 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.

Auto insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, State Farm has the significant edge, with average monthly prices coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging about $216 a month to Plymouth Rock Assurance's $383.

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

You've probably seen plenty of commercials from car insurance carriers 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 accidents lead to higher rates, but which company -- Plymouth Rock Assurance or State Farm -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Plymouth Rock Assurance for their auto insurance can typically expect their monthly bill to go up around 37% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of about 14%.

That being said, State Farm tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering premiums that are 36% and 53% less expensive, respectively, compared to Plymouth Rock Assurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault collision with Plymouth Rock Assurance raising by around 21%. State Farm has a less extreme increase, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, drivers who use State Farm end up with the cheaper prices after an accident, with average rates coming in at $163 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 speeding ticket or even a collision. For example, Plymouth Rock Assurance increases average prices by nearly $90 per month -- that's just under a 30% increase.

How does Credit Score Impact Plymouth Rock Assurance and State Farm Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for many drivers.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper rates.

So, which carrier offers the lowest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a sizable impact on how much auto insurance carriers will charge for coverage? That's because the fewer miles you drive, 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 rates for State Farm, with drivers who put 6,000 miles on their car every year paying about $13 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, State Farm is the less expensive company.

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

Where your home is can play a substantial role in how much you pay for car insurance. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the roads where they live.

State Farm tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, State Farm's average rates are around $170 less than Plymouth Rock Assurance. People who live in suburban areas pay about $122 less with State Farm compared to Plymouth Rock Assurance. Those in rural areas can expect to save around $56 with State Farm compared to Plymouth Rock Assurance.

Plymouth Rock Assurance vs. State Farm Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Plymouth Rock Assurance and State Farm offer their customers so that you can see which company can save you the most money each month.

State Farm knocks Plymouth Rock Assurance out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Plymouth Rock Assurance's 23.

There are a couple discounts both companies offer, but State Farm also offers discounts for ABS, annual mileage, drive safe & save, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own for things like advance quote discounts, agency transfer discounts, group discounts, and more.

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

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which company is the right one for you and your specific needs?

State Farm might be best for you if....

• You already have plans to move to another state -- undefined only offers policies in.
• You're looking for the best prices on liability only coverage.
• You want to save money while purchasing car insurance for a teenager.

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

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Plymouth Rock Assurance and State Farm. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Plymouth Rock Assurance and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Plymouth Rock Assurance vs. State Farm FAQs

Is Plymouth Rock Assurance or State Farm cheaper?

State Farm is the cheaper of the two companies when looking at national average premiums, with policies averaging $158 a month with State Farm and $274 for Plymouth Rock Assurance. Even so, that doesn't mean State Farm will be the lowest carrier for every driver, since there are a range of different factors that come into play when it comes to your car insurance bill.

Who is better, Plymouth Rock Assurance or State Farm?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Plymouth Rock Assurance and State Farm offer me different rates?

Car insurance carriers use quite a few different variables when determining the prices they charge. Things like age, your driving record, gender, where you live, and sometimes even things like your credit score can all be used. Both Plymouth Rock Assurance and State Farm use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Plymouth Rock Assurance or State Farm 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.