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

Quick Facts

• Looking at the national averages for auto insurance, Vermont Mutual offers significantly cheaper premiums than Plymouth Rock Assurance
• Plymouth Rock Assurance may help you save more money -- they offer more discounts than Vermont Mutual
• Vermont Mutual tends to be a much more affordable option for policyholders who drive fewer than 6,000 miles every year

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might be considering Plymouth Rock Assurance or Vermont Mutual, but which carrier will save you the most?

As you can see, Vermont Mutual has average rates that are around 35% a month less expensive than those from Plymouth Rock Assurance when looking at the national average rates for car insurance.

Even so, that doesn't necessarily mean Vermont Mutual will be the more affordable option for every driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things), so rates could change drastically from person to person.

So, if you want to find out which of Plymouth Rock Assurance or Vermont Mutual is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

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

Plymouth Rock Assurance and Vermont Mutual only compete against each other in one states, with Plymouth Rock Assurance offering less expensive rates to the average driver in all of them. Massachusetts has the most noticable difference, where Plymouth Rock Assurance prices are $112 cheaper than car insurance premiums at Vermont Mutual.

But there's more to calculating insurance prices than just where you call home. Continue reading to learn more about how other variables will affect your rates.

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 group out there on the road. It's normally 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Vermont Mutual save almost 60% per month compared to those who use Plymouth Rock Assurance.

But both companies will offer you dramatically lower premiums by the time you turn 25. Vermont Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Plymouth Rock Assurance's average rates reduce over 75% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Plymouth Rock Assurance and Vermont Mutual specifically, which company is best for retired drivers? Vermont Mutual gets the edge, with prices for drivers 65 and older more than 20% less expensive than the national average for Plymouth Rock Assurance.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally more expensive for single drivers than they are for married couples? That's typically because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two carriers is significant, with Vermont Mutual premiums coming in at about half of Plymouth Rock Assurance's. The advantage for married policyholders with Vermont Mutual is also obvious, where drivers save over 20% a month.

Plymouth Rock Assurance or Vermont Mutual: Average Rates by Gender

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men.

On average, men see prices nearly 10% per month higher with Plymouth Rock Assurance, and almost 10% with Vermont Mutual.

Looking at the data for each carrier specifically, Vermont Mutual comes out as the cheapest option for both genders, with average rates 37% less for men and 36% cheaper for women.

Plymouth Rock Assurance vs. Vermont Mutual: 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.

For most people, auto insurance can be pretty complicated. There are so many different coverages and terms 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 insurance, Vermont Mutual has the significant edge, with average monthly premiums coming in at $85. If you want a full coverage policy with the same state minimum limits, Vermont Mutual again has the edge, with policies averaging around $261 a month to Plymouth Rock Assurance's $383.

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

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

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Plymouth Rock Assurance for their auto insurance can usually expect their monthly bill to go up about 37% after getting a speeding ticket. Vermont Mutual policyholders can expect a less drastic increase of around 6%.

That being said, Vermont Mutual is normally the more affordable option for both drivers who have clean records and those with a recent ticket -- their rates are around 44% cheaper for drivers with clean records and 62% 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 increase by over 20%, while those who have insurance through Vermont Mutual will see about a 20% increase.

At the end of the day, Vermont Mutual offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $144 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, Vermont Mutual increases average prices by nearly $200 per month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Plymouth Rock Assurance tends to be more affordable for the average driver, with monthly premiums coming in at around $296 to Vermont Mutual's $307.

How does Credit Score Impact Plymouth Rock Assurance and Vermont Mutual Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't true for everyone (for example, are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

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

So, which company offers the most affordable prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Vermont Mutual will generally reward you the most. For policyholders with "excellent" credit scores, Vermont Mutual comes in over 57.02 cheaper. Drivers with "good" credit scores usually save about 55% with Vermont Mutual compared to average premiums from Plymouth Rock Assurance.

Which Company is Best for Drivers with Bad Credit?

Vermont Mutual typically offers lower rates than Plymouth Rock Assurance when it comes to drivers with bad credit. Drivers with "fair" credit pay around 48% a month less with Vermont Mutual compared to Plymouth Rock Assurance, and those with "poor" scores normally save an average of about 34% monthly.

Is Plymouth Rock Assurance or Vermont Mutual 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 large impact on your monthly premiums? Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Plymouth Rock Assurance or Vermont Mutual report increasing prices for drivers with higher annual mileage figures. Vermont Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average rates of $173 per month for both.

Plymouth Rock Assurance or Vermont Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Vermont Mutual tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Vermont Mutual's average premiums are around $156 less than Plymouth Rock Assurance. People who live in suburban areas pay about $114 less with Vermont Mutual compared to Plymouth Rock Assurance. Those in rural areas can expect to save around $31 with Vermont Mutual compared to Plymouth Rock Assurance.

Plymouth Rock Assurance vs. Vermont Mutual Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Plymouth Rock Assurance and Vermont Mutual so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Plymouth Rock Assurance has a slight advantage when it comes to total number of discounts. Vermont Mutual offers a grand total of 14 discounts, while Plymouth Rock Assurance has 16.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for getting driver training, discounts for being a good student, and multi-policy discounts -- but Plymouth Rock Assurance also offers discounts for agency transfer, defensive driver, good driving, and more.

On the other hand, Vermont Mutual has a few proprietary discounts of their own for things like ABS discounts, annual mileage discounts, experienced operator discounts, and more.

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

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best fit for you?

Vermont Mutual might be best for you if....

• You want to save money on your insurance after a collision.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing car insurance for a teenager.

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

• Your driving record includes a DUI charge.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Plymouth Rock Assurance and Vermont Mutual. We also hope we've given you the information you need to make the best decision about your 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 auto insurance -- comparing quotes from multiple companies, not just Plymouth Rock Assurance and Vermont Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Plymouth Rock Assurance vs. Vermont Mutual FAQs

Is Plymouth Rock Assurance or Vermont Mutual cheaper?

Vermont Mutual is the cheaper of the two companies when looking at national average rates, with policies averaging $173 a month with Vermont Mutual and $274 for Plymouth Rock Assurance. However, that doesn't mean Vermont Mutual will be the cheapest carrier for each policyholder, since there are a variety of different factors that come into play when it comes to your auto insurance payment.

Who is better, Plymouth Rock Assurance or Vermont Mutual?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, Vermont Mutual is less expensive for drivers with excellent credit, while Plymouth Rock Assurance offers cheaper premiums for drivers with a recent DUI.

Why do Plymouth Rock Assurance and Vermont Mutual offer me different rates?

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

How do I know if Plymouth Rock Assurance or Vermont Mutual 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Plymouth Rock Assurance or Vermont Mutual 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.