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

Quick Facts

• Looking at the national averages for auto insurance, NJM offers significantly cheaper rates than Plymouth Rock Assurance
• NJM has more affordable premiums for policyholders whose driving record contains an at-fault collision
• Plymouth Rock Assurance may help you save more money -- they offer more discounts than NJM Insurance Group

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

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to NJM or Plymouth Rock Assurance as potential options, but between the two, which company will save you the most?

Looking at nationwide averages, NJM is quite a bit cheaper than Plymouth Rock Assurance, with prices averaging $137 a month compared to $274 with Plymouth Rock Assurance.

That being said, that doesn't necessarily mean NJM will be the less expensive option for each driver. Car insurance carriers use tons of complex algorithms to determine premiums, so depending on how good your credit score is or how clean your driving record is (among a whole range of other factors), you could see wildly different rates from the ones above.

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

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

NJM and Plymouth Rock Assurance only compete against each other in New Jersey, where NJM offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their auto insurance.

There's a lot more that goes into your insurance cost than just the state you live in. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any group on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. Just look at the table above -- where 18-year-old drivers who have NJM for their car insurance pay over 70% less than those who use Plymouth Rock Assurance.

But both companies will lower premiums by the time you turn 25. For example, average rates for NJM policyholders reduce more than 50% and Plymouth Rock Assurance's prices drop over 75% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance premiums out there. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between NJM and Plymouth Rock Assurance? NJM gets the edge, with premiums for drivers 65 and older more than 40% more affordable than the national average for Plymouth Rock Assurance.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be cheaper for married couples than they are for those who are single. That's because policies for married drivers generally cover more than one vehicle, which a lot of carriers will give you a discount for.

For single policyholders, the difference in average rates between these two companies is significant, with NJM prices coming in at around half of Plymouth Rock Assurance's. The advantage for married policyholders with NJM is also obvious, where drivers save about $65 a month.

NJM or Plymouth Rock Assurance: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll usually end up paying more for insurance than women.

Men generally pay around $1 per month more than women with NJM, but with Plymouth Rock Assurance, the difference is closer to $27 a month.

Looking at the data for each company specifically, NJM comes out as the lowest option for both genders. On average, women save about $124 per month and men save about $150 with NJM compared to the average Plymouth Rock Assurance policyholder.

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NJM vs. Plymouth Rock Assurance: 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, car insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum limits for liability insurance, NJM has the significant edge, with average monthly rates coming in at $92. If you want a full coverage policy with the same state minimum limits, NJM again has the edge, with policies averaging around $181 a month to Plymouth Rock Assurance's $383.

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

It's no secret -- drivers with good records end up getting the best deals on their auto 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 accidents on your record, but which of these two carriers offers the cheapest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use NJM for their insurance can typically expect their monthly bill to go up about 19% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of around 37%.

Even so, NJM has less expensive rates for drivers in both categories, offering premiums that are $86 and $177 cheaper, respectively, compared to Plymouth Rock Assurance.

Which Company is Best for Drivers After an Accident?

NJM drivers who get in an accident can expect to see their prices rise by $0, while those who have insurance through Plymouth Rock Assurance will see about a $55 increase.

At the end of the day, the more affordable premiums come from NJM, with average rates coming in at $122 compared to Plymouth Rock Assurance's $262.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or ticket. On average, Plymouth Rock Assurance will increase your prices around 30% after a DUI, while NJM's average rates climb by nearly 20%.

But if you end up with a DUI charge and are looking for more affordable premiums, NJM tends to be less expensive for the average driver, with monthly premiums coming in at about $151 to Plymouth Rock Assurance's $296.

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

Often times, your credit score can be used as one of the variables to calculate your monthly insurance prices. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for quite a few policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will generally be forced to pay more.

So, which carrier offers the lowest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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Is NJM or Plymouth Rock Assurance 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 how much auto insurance companies will charge for coverage? Normally, the more milage you put on your car, 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 premiums for NJM, with policyholders who drive 6,000 miles every year paying around $11 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, NJM is the cheaper company.

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

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

When comparing these two carriers side-by-side, NJM typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, NJM Insurance Group's average premiums are about 55% less than Plymouth Rock Assurance. People who live in suburban areas pay around 54% less with NJM compared to Plymouth Rock Assurance. Those in rural areas can expect to save about 36% with NJM compared to Plymouth Rock Assurance.

NJM vs. Plymouth Rock Assurance Discounts

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

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both NJM and Plymouth Rock Assurance 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. NJM offers a grand total of 14 discounts, while Plymouth Rock Assurance has 16.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. Plymouth Rock Assurance also offers discounts for advance quote, agency transfer, distant student, and more.

On the other hand, NJM has a few proprietary discounts of their own for things like ABS discounts, EFT discounts, employee discounts, and more.

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

So, we've broken down the average prices for many of the factors auto insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best one for you and your specific profile and needs?

NJM might be best for you if....

• You've been pulled over for speeding recently.
• Your neighborhood is in a city.
• You and your spouse are buying car insurance together.

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

• You're looking for discounts -- Plymouth Rock Assurance has the most.

Hopefully, this guide helps you get a better idea of the difference between NJM and Plymouth Rock Assurance and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just NJM and Plymouth Rock Assurance. 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 auto insurance companies in your area, all in just a few minutes.

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NJM vs. Plymouth Rock Assurance FAQs

Is NJM or Plymouth Rock Assurance cheaper?

NJM is the less expensive of the two carriers when looking at national average premiums, with policies averaging $137 per month with NJM and $274 for Plymouth Rock Assurance. However, that doesn't mean NJM will be the cheapest carrier for everyone, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, NJM or Plymouth Rock Assurance?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all depends on the makeup of your unique insurance profile.

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

Car insurance companies use many different factors when determining the rates they charge. Things like gender, your driving record, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both NJM and Plymouth Rock Assurance calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

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

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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.