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

Quick Facts

• In general, Progressive offers significantly more affordable prices than Plymouth Rock Assurance
• Progressive offers more affordable premiums for policyholders who are looking to purchase insurance with a spouse
• Progressive offers cheaper average rates for policyholders whose driving record contains an at-fault collision

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Plymouth Rock Assurance or Progressive as your top options, but between the two, which one will offer you less expensive prices?

As you can see, Progressive is quite a bit cheaper than Plymouth Rock Assurance, with premiums averaging $180 a month compared to $274 with Plymouth Rock Assurance when looking at the national average rates for auto insurance.

That being said, that doesn't mean Progressive will necessarily be more affordable than Plymouth Rock Assurance for every driver. Car insurance carriers vary their prices depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and all sorts of other factors, so premiums will differ quite a bit from person to person.

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

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

Plymouth Rock Assurance and Progressive only compete against each other in two states, with Plymouth Rock Assurance offering cheaper prices to the average driver in all of them. Massachusetts has the most noticable difference, where Plymouth Rock Assurance premiums are $85 less expensive than insurance rates at Progressive.

But there's more to calculating auto insurance prices than just your home state. Read on to find out more.

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Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group out there on the road. 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 still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Progressive for their insurance pay almost 45% less than those who use Plymouth Rock Assurance.

But both companies will offer you dramatically lower prices once you turn 25. Progressive offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Plymouth Rock Assurance's average rates decrease over 75% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Progressive gets the edge here, with average premiums coming in at around $131 monthly compared to Plymouth Rock Assurance's $164.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are usually more expensive for single policyholders than they are for married policyholders? That's because policies for married drivers typically cover more than one vehicle, which several carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with Progressive premiums coming in at a third less than Plymouth Rock Assurance's. The advantage for married couples with Progressive is also obvious, where drivers save nearly 30% per month.

Plymouth Rock Assurance or Progressive: Average Rates by Gender

Women normally to pay less for car insurance than men. That's because women are less likely to get into accidents and get tickets, which decreases the chances of filing a claim with insurance.

Generally, women see prices almost 10% a month less with Plymouth Rock Assurance, and about 3% less with Progressive when compared to their male counterparts.

Looking at overall affordability, Progressive comes out as the cheapest option for both genders, with average rates $104 less for men and $82 cheaper for women.

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Plymouth Rock Assurance vs. Progressive: 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 isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and terms that it can be hard 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 injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Progressive has the significant edge, with average monthly premiums coming in at $111. If you want a full coverage policy with the same state minimum limits, Progressive again has the edge, with policies averaging around $250 per month to Plymouth Rock Assurance's $383.

Is Plymouth Rock Assurance or Progressive 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.

Speeding tickets and at-fault collisions will most likely raise your rates, but is Plymouth Rock Assurance or Progressive cheaper for 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. Progressive policyholders can expect a less drastic increase of around 17%.

However, Progressive has more affordable prices for drivers in both categories. With Progressive, drivers with a clean record can save about $59 a month and drivers with a ticket can save around $148 per month.

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 just under $55, while those who have insurance through Progressive will see about a $65 increase.

At the end of the day, Progressive offers the most affordable rates for drivers with an at-fault accident on their records, with average premiums coming in at $214 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. Plymouth Rock Assurance drivers usually see a 30% climb in their car insurance prices after a DUI charge, while Progressive will typically increase rates by around 16%.

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

You may not realized it, but your credit score can be used as one of the variables to determine your monthly insurance prices. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for many policyholders.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a considerable impact on your monthly insurance bill. Generally, the more milage you put on your vehicle, the more you can expect to pay for coverage.

In this case, neither Plymouth Rock Assurance or Progressive report increasing rates for drivers with higher annual mileage figures. That being said, Progressive comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $180 a month for both.

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

Where you park your vehicle can have a sizable impact on your monthly car insurance cost. Normally, 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.

Progressive tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about 16% with Progressive compared to Plymouth Rock Assurance. People who live in suburban areas pay around 37% less with Progressive compared to Plymouth Rock Assurance. For policyholders in urban ZIP codes, Progressive's average premiums are about 42% less than Plymouth Rock Assurance.

Plymouth Rock Assurance vs. Progressive 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 utilizing as many insurance discounts as possible.

The challenging part is finding all of the discounts you can take advantage of, 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 compared all of the different discounts offered by Plymouth Rock Assurance and Progressive so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Plymouth Rock Assurance out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to Plymouth Rock Assurance's 34.

A couple of those are overlapping for things like agency transfer discounts, discounts for being a defensive driver, distant student discounts, and group discounts. Progressive also offers discounts for ABS, advanced safety feature, continuous insurance, and more.

On the other hand, Plymouth Rock Assurance has a proprietary discount of their own -- a driver training discounts.

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

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. But, when it comes down to it, which carrier is the right fit for you?

Progressive might be best for you if....

• You will be the only person on the car insurance policy.
• You want to save money while purchasing auto 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 has ben a valuable resource as you compare Plymouth Rock Assurance and Progressive and that you can now make a more informed decision when it comes to 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 Plymouth Rock Assurance and Progressive. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

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Plymouth Rock Assurance vs. Progressive FAQs

Is Plymouth Rock Assurance or Progressive cheaper?

Progressive is the less expensive of the two carriers when looking at national average prices, with policies averaging $180 per month with Progressive and $274 for Plymouth Rock Assurance. Even so, that doesn't mean Progressive will be the cheapest company for everyone, since there are a bunch of different variables that are considered when it comes to your auto insurance payment.

Who is better, Plymouth Rock Assurance or Progressive?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for each policyholder -- it all depends on what your unique car insurance profile looks like.

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

Insurance companies use quite a few different factors when determining the premiums they charge. Things 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 Progressive use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies 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 information once and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Plymouth Rock Assurance or Progressive 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.