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Cheapest car insurance in Plymouth, Massachusetts (Nov 2024)
Cheapest car insurance in Plymouth, Massachusetts (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Plymouth, Massachusetts.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance in Plymouth, Massachusetts
- Best car insurance companies in Plymouth
- Best cheap car insurance quotes in Plymouth
- Why is the minimum car insurance in Plymouth so cheap? And why is full coverage so expensive?
- Car insurance quotes in Plymouth by rating factors
- How do different factors impact your car insurance costs in Plymouth?
- Cheap car insurance quotes in Plymouth after driving violations
- Cheap car insurance quotes in Plymouth by age
- Cheap car insurance quotes in Plymouth based on insurance history
- Cheap car insurance quotes in Plymouth for popular cars
- How to lower car insurance costs in Plymouth
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
Plymouth Car Insurance: Quick Facts
Plymouth Car Insurance: Quick Facts
- Plymouth drivers pay an average of $61 per month for minimum coverage car insurance
- Plymouth drivers pay an average of $151 per month for full coverage car insurance
- Average car insurance rates in Plymouth car insurance lower than the national average and comparable to the state average
- Massachusetts minimum insurance requirements include 20/40/5 bodily injury liability and property damage liability coverage; 20/40 uninsured motorist coverage; and $8,000 of personal injury protection
How to find the cheapest car insurance in Plymouth, Massachusetts
Plymouth,
Massachusetts
, plays a starring role in American mythology, but it never grew to become a major population center. Good thing, too, or locals would have more trouble finding cheap car insurance
.The best way to find the cheapest auto insurance in Plymouth is to compare quotes. A trusted rate comparison tool like
Jerry
needs only your basic personal information to retrieve quotes from over 55 top insurance agencies| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Bristol West | $80 | Steve, 24 Zip: 02360 | Chevrolet Trax 1LT | • State Minimum Liability |
| Mercury | $162 | Cody, 32 Zip: 02360 | Hyundai Santa FE Sport | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Best car insurance companies in Plymouth
The five largest car insurance companies in Massachusetts are:
But which one is “best” depends on personal preference. In Jerry’s survey of more than 50,000 American policyholders, Massachusetts drivers voted
Safeco
the most affordable, Progressive
the most convenient for claims, and Travelers
the best overall.You can see more categories and verified customer ratings in the table below:
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Travelers | 4.8 | 4.3 | N/A | 4.5 |
| Safeco | 4.7 | 4.6 | N/A | 4.6 |
| Progressive | 4.6 | 4.2 | 4.6 | 4.4 |
Liberty Mutual | 3.9 | 3.4 | 3.2 | 4 |
| Geico | 3.6 | 3.1 | 3.7 | 3.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Plymouth
Before you can get behind the wheel of a car in Plymouth, you must have car insurance that meets the state’s minimum insurance requirement.
Massachusetts car insurance laws
require all drivers to have basic liability insurance that includes bodily injury coverage, property damage, and personal injury protection (PIP). Cheap minimum liability insurance quotes in Plymouth
In order to legally hit the road, Plymouth drivers need to meet Massachusetts’s minimum coverage limits for bodily injury liability and property damage liability. They can be summarized as 20/40/5:
- $40,000 bodily injury liability per accident
- $20,000 for bodily injury per person from an uninsured motorist
- $40,000 for bodily injury per accident from an uninsured motorist
Jerry helps Plymouth drivers find affordable minimum liability coverage. Here are some examples of Plymouth car owners and how much they pay for coverage, thanks to help from Jerry.
Embark General
Mark (40 years old)
$148
per month
Do you need more than minimum coverage in Plymouth?
Compared to other states, the
minimum car insurance requirements in Massachusetts
are low compared to other states. Most Plymouth drivers should choose to purchase insurance that exceeds the state minimum of 20/40/5.If you’re involved in an at-fault accident, medical bills and vehicle damages can quickly exceed the state-mandated minimum. A serious crash that leaves your vehicle totaled wouldn't be covered by state minimum coverage, and medical expenses can quickly exceed $8,000.
The bottom line: For better financial protection, Plymouth drivers should purchase liability coverage that exceeds the state minimum. Experts recommend 50/100/50 or 100/300/100 liability coverage—and opt for full coverage on your car.
Cheap full coverage car insurance quotes in Plymouth
Buying a
full-coverage auto insurance
policy is the easiest way to protect yourself against costs associated with repairing or replacing your vehicle if you’re involved in an accident.A full coverage policy in Plymouth includes liability insurance plus
comprehensive
and collision coverage
:- Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
- Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.
If you have a loan or lease on your car, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $159 | Katherine, 32 Zip: 02360 | Hyundai Santa FE Sport |
• State Minimum Liability • Comp / Collision | Safeco | $85 | Katherine, 58 Zip: 02360 | Ford Fusion Titanium |
• State Minimum Liability • Comp / Collision | Bristol West | $184 | Jose, 39 Zip: 02360 | Jeep Grand Cherokee Limit |
• State Minimum Liability • Comp / Collision | Embark General | $484 | Lela, 41 Zip: 02360 | Toyota Corolla LE |
Last Updated Nov 21, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Plymouth
The average cost of car insurance in Plymouth is $61 per month and $740 per year for minimum coverage. Residents with full coverage policies pay an average of $151 per month and $1,821 per year.
Plymouth and Massachusetts auto insurance rates are roughly the same. However, state minimum insurance policies cost less than the national average, while full coverage policies cost more.
Coverage type | Plymouth | Massachusetts | United States |
|---|---|---|---|
Minimum coverage | $740 | $717 | $927 |
Full coverage | $1,821 | $1,545 | $1,984 |
Because insurance providers use different formulas to
calculate your insurance premiums
, looking at average rates may not be especially useful for planning your own insurance costs. Using Jerry to request and compare multiple car insurance quotes at once will give you a better idea of how much to budget.Why is the minimum car insurance in Plymouth so cheap? And why is full coverage so expensive?
The state minimum car insurance in Plymouth takes its competitive pricing from the town’s low population and auto theft rate.1 Without much threat of traffic accidents or crime, insurers feel more comfortable offering lower rates.
However, full coverage car insurance policies include comprehensive coverage, which pays for weather-related damages. Plymouth residents pay above-average auto insurance rates because of:
- Floods: Flooding can damage car engines, which are incredibly expensive to fix.
- Rain: Plymouth sees much more rain and snow than the rest of the country.2 Floods, storms, and heavy snow produce slippery conditions, increasing the risk of car accidents.
- Wind: Plymouth has suffered high winds and hurricanes in the past, both of which left thousands of dollars of motor vehicle damages in their wake.3
To avoid a costly claim, keep an eye on local weather reports, as well as local insurance rates. Expert insurance agents recommend checking prices every six months to avoid missing out on a deal.
Car insurance quotes in Plymouth by rating factors
Insurance companies in Plymouth use many rating factors when
calculating your auto insurance premium
: - Your driving record and claims history: Drivers with accidents, tickets, or other violations have higher insurance premiums than drivers with a clean record.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- Vehicle make and model: Luxury, high-performance, and sports cars usually have higher insurance premiums than non-luxury, less expensive vehicles.
- Vehicle location: Insurance premiums for drivers in cities are usually higher than in rural areas. Plus, rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
How do different factors impact your car insurance costs in Plymouth?
How do different factors impact your car insurance costs in Plymouth?
Allowed (with applicable limitations): Driving experience.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, marital status, residential status.
Learn more about the car insurance rating factors in Plymouth:
Cheap car insurance quotes in Plymouth after driving violations
A violation on your driving record is never ideal—and it can have significant consequences for your car insurance rates. A driver with even one major or minor violation on their driving record is considered a “high-risk driver” and will pay higher insurance rates (like 30% higher!).
Cheapest car insurance in Plymouth after speeding ticket
Getting a
speeding ticket in Massachusetts
can raise your car insurance premiums by an average of 27%. Generally, Progressive charges the most after a speeding ticket, and Allstate the least.However, these prices can be further modified by your ZIP code and driver profile. Jerry gets accurate auto insurance quotes from over 55 companies and compasses them to find the five to seven lowest rates.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $79 | Helena, 31 Zip: 02360 | Buick Encore | • 100,000/300,000 Liability |
Speeding 6-10 | Safeco | $70 | Alice, 33 Zip: 02362 | Mercedes-Benz C | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Plymouth after DUI
It’s hard to find cheap car insurance after a
DUI conviction in Massachusetts
, which the state calls Operating Under the Influence (OUI). An OUI marks you as a high-risk driver and as we all know, auto insurance companies hate risk.Recovering from an OUI requires a plan of action: you need to pay your fines, serve your time, secure any
SR-22 certificate
required, and work on practicing safe driving habits until your driving record clears. In the meantime, you can also Jerry to comparison-shop for you to see if there’s a company willing to offer you affordable car insurance.
Cheapest car insurance in Plymouth after an at-fault accident
At-fault accidents on your driving record can be a big cause for an increase in your insurance rate—whether they happened in Plymouth or somewhere else.
Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents you’ve had, the more high-risk you are—and the more likely they are to have to make a payout.
If you have one or more accidents on your record, you’ll likely see your premium increase when it’s time to renew your policy.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $159 | Stella, 31 Zip: 02360 | Hyundai Santa FE Sport | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Travelers | $146 | Olive, 51 Zip: 02360 | Mercedes-Benz E 350 4matic | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $147 | John, 51 Zip: 02360 | Mercedes-Benz E 350 4matic | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest car insurance in Plymouth after other driving violations
A DUI or speeding ticket might have a significant impact on insurance rates, but so can other violations—like failing to stop at a stop sign, driving without insurance, or driving without a license. All of these can lead to higher-than-average car insurance rates until they’re no longer on your driving record.
In Plymouth, here are some examples of how Jerry helped drivers with violations find affordable insurance.
Last Updated Nov 21, 2024Cheap car insurance quotes in Plymouth by age
Your insurance premium is determined by several factors, but your age is a big determining factor. Drivers under 25 and over 75 tend to pay the highest rates for insurance in Plymouth due to a lack of driving experience and a higher risk of death and injury, respectively.
Cheapest car insurance in Plymouth for young drivers
Younger drivers—people under 25—pay the most for insurance of any age group in Plymouth. This is mainly due to a lack of driving experience that puts them at a higher risk for accidents and, therefore, a higher risk of a claim.
Do note that you may notice lower premiums for a teen driver who only has a
Massachusetts provisional license
. Under a provisional license, new drivers can only operate a vehicle under supervision, so they’re considered lower risk than a young driver with an unrestricted license.Once a driver gains more experience on the road, rates will decrease, usually after 25. They remain relatively low with a clean driving record until you hit 60, when they increase again.
If you’re under 25, investing in a full coverage policy is recommended for greater financial protection.
Embark General
Owen (24 years old)
$223
per month
Cheapest car insurance in Plymouth for senior drivers
Apart from drivers under 19, drivers over 60 have some of the highest insurance rates in Plymouth—despite having more driving experience.
Because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents and also have slower reflexes behind the wheel, they have a greater chance of being involved in an accident. A higher risk on the road means higher costs for insurers and higher
insurance rates for seniors
in Plymouth.
Cheap car insurance quotes in Plymouth based on insurance history
Your insurance history—how long you’ve had insurance—is one factor used to determine your insurance premium.
Insurers want to know that you haven’t had a lapse in insurance coverage, so the longer you’ve been insured continuously, the lower your premium will be. Insurance lapses label you as a “high-risk driver,” which comes with a hefty insurance rate.
Don’t panic—Jerry is here to help avoid an insurance lapse! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.
Check out the table below to see how Jerry helped several Plymouth drivers find savings on a new insurance policy.
Julian (31 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Plymouth, MA (Zip Code: 02360)
$159
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Good Insurance!
Corey
Great price. Quick and easy.
Mike
Great rates offered and quality customer service
Angela
Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.
Andrew
Cheap car insurance quotes in Plymouth for popular cars
The type of car you drive can influence how much you pay for your premium. Generally speaking, the higher your car's book value, the more you’ll pay to insure it. But that’s not it—other factors associated with your car that can increase insurance rates include:
- Repair or replacement costs
- Likelihood of theft
- Safety rating
In Plymouth, here are some of the most popular cars:
- Nissan Maxima
- Hyundai Sonata
- Jeep Grand Cherokee
- Honda CR-V
- Toyota RAV4
- Nissan Altima
- Toyota Corolla
- Honda Civic
- Toyota Camry
- Honda Accord
Last Updated Nov 21, 2024How to lower car insurance costs in Plymouth
1. Shop around and compare quotes
Insurance companies use different rules to set premiums, which are constantly changing. To ensure affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this process simple! In just 45 seconds, Jerry collects quotes from 55+ top insurance providers to help you find the best auto insurance coverage at the best price. And the best part? Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include:- Good driver discounts. If you have a relatively clean driving record (aka no at-fault accidents and minimal points on your license), then you might qualify for a nice discount.
- Telematics discounts. Several companies provide convenient discounts to drivers who employ telematics for tracking their driving habits. There's even a possibility of receiving a discount merely by enrolling in the program!
- Good student discounts. If you are currently enrolled as a full-time student in high school or college and maintain a B average or higher, chances are high that you are eligible for a discount from your insurance provider.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance in {city}, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Plymouth?
People living in Plymouth pay on average $61 per month – or $740 per year – on state-minimum liability coverage. Full coverage in Plymouth costs on average $151 per month or $1,821 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Plymouth?
Based on thousands of Plymouth drivers Jerry has worked with, car insurance in Plymouth costs an average of $61 per month for state-minimum coverage and $151 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Plymouth, Massachusetts?
The state-minimum car insurance in Plymouth, Massachusetts is as follows:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.
What is the best car insurance in Plymouth?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Plymouth drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.