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

Quick Facts

• In general, Travelers offers significantly cheaper prices than Plymouth Rock Assurance
• Travelers offers more affordable average premiums for drivers who have below-average credit
• Travelers offers more affordable prices for single people who will be the only person on the insurance policy

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

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

You've maybe even narrowed your search down to Plymouth Rock Assurance or Travelers, but which company will offer you less expensive rates?

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

Even so, Travelers may not be the cheapest or best option for each driver out there. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so premiums will vary quite a bit from person to person.

Wanting to know if Plymouth Rock Assurance or Travelers is really the right carrier 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 vs. Travelers: Average Car Insurance Rates by State

Plymouth Rock Assurance and Travelers only compete against each other in two states, with Plymouth Rock Assurance offering cheaper rates to the average driver in all of them. Massachusetts has the most noticable difference, where Plymouth Rock Assurance premiums are $88 more affordable than insurance rates at Travelers.

That being said, there are plenty of other factors that go into your car insurance bill than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Travelers for their car insurance pay almost 55% less than those who use Plymouth Rock Assurance.

That being said, both companies will reduce prices by the time you turn 25. For example, average premiums for Plymouth Rock Assurance policyholders drop about $500 and Travelers's prices lower over $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable auto insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

But who has the best premiums for retired drivers between Plymouth Rock Assurance and Travelers? Travelers gets the edge, with rates for drivers 65 and older nearly 20% less expensive than the national average for Plymouth Rock Assurance.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper car insurance premiums than single drivers. That's because policies for married couples typically cover more than one vehicle, which a lot of carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with Travelers rates coming in at around half of Plymouth Rock Assurance's. For married policyholders, the advantage is clear again - Travelers has the edge when it comes to average premiums.

Plymouth Rock Assurance or Travelers: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will normally end up paying a little more.

Men generally pay about $25 per month more than women with Plymouth Rock Assurance, and more than $10 with Travelers.

When it comes to the cheapest rates for each gender, Travelers offers the lowest average prices for both men and women, with average rates $115 less for men and $99 cheaper for women.

Plymouth Rock Assurance vs. Travelers: 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.

Car insurance can be a complicated subject for most people. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

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 what you get with a liability policy).

Looking specifically at state minimum liability limits, Travelers has the significant edge, with average monthly premiums coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging around $225 a month to Plymouth Rock Assurance's $383.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher prices, but which company -- Plymouth Rock Assurance or Travelers -- 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 Plymouth Rock Assurance for their car insurance can usually expect their monthly bill to go up about 37% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of around 20%.

However, Travelers is normally the less expensive option for both drivers who have clean records and those with a recent ticket -- their rates are around 38% more affordable for drivers with clean records and 51% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Plymouth Rock Assurance drivers who get in an accident can expect to see their premiums climb by over 20%, while those who have insurance through Travelers will see about a 25% increase.

At the end of the day, the cheaper prices come from Travelers, with average rates coming in at $173 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 auto insurance bill. Plymouth Rock Assurance drivers usually see a 30% raise in their insurance prices after a DUI charge, while Travelers will typically climb premiums by around 38%.

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

Did you know many car insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it might come into play for lots of policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

So, which carrier offers the cheapest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Plymouth Rock Assurance or Travelers 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 substantial impact on your monthly prices? Typically, the more milage you drive, the more you can expect to pay for coverage.

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 Travelers, with policyholders who drive the least paying about $5 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Travelers is the less expensive company.

Plymouth Rock Assurance or Travelers: 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 sizable impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

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

Those in rural areas can expect to pay around $136 monthly with Travelers compared to Plymouth Rock Assurance's $183. People in suburban areas pay a monthly rate of about $160 with Travelers compared to $283 with Plymouth Rock Assurance. For drivers in urban ZIP codes, Travelers's average premiums are around $204 per month compared to Plymouth Rock Assurance's $355.

Plymouth Rock Assurance vs. Travelers 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.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Plymouth Rock Assurance and Travelers offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Travelers knocks Plymouth Rock Assurance out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Plymouth Rock Assurance.

Both companies offer many of the same discounts -- like anti-theft discounts, distant student discounts, discounts for getting driver training, and group discounts -- but Travelers also offers discounts for ABS, alternative fuel, continuous insurance, and more.

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

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, at the end of the day, is Plymouth Rock Assurance or Travelers the best fit for you?

Travelers might be best for you if....

• You will be the only person on the insurance policy.
• You care about discounts (Travelers offers the most).
• Your neighborhood is in the suburbs.

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 better idea of the difference between Plymouth Rock Assurance and Travelers and that it aids in making a more informed decision about your car 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 several companies, not just Plymouth Rock Assurance and Travelers. Luckily, Compare.com does all the hard work for you. 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. Travelers FAQs

Is Plymouth Rock Assurance or Travelers cheaper?

Travelers is the cheaper of the two companies when looking at national average prices, with policies averaging $167 a month with Travelers and $274 for Plymouth Rock Assurance. But that doesn't mean Travelers will be the cheapest carrier for every policyholder, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Plymouth Rock Assurance or Travelers?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

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

Auto insurance carriers use several different variables when calculating the premiums they charge. Things such as age, where you call home, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Plymouth Rock Assurance and Travelers calculate prices differently, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers 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 companies for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Plymouth Rock Assurance or Travelers 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.