In this study, we presented a simple highly sensitive sensor based on commercially available solid-core photonic crystal fiber (PCF) and surface plasmon resonance (SPR) for measuring the refractive index (RI) of analytes. The numerical simulation based on the finite element method (FEM) has been examined to compute the optical properties such as confinement loss, power spectrum, and transmission intensity of the sensor. The most sensitive and inert plasmonic materials (gold and silver) have been assumed to be coated inside the fiber with the range of analyte RI from 1.32 to 1.40. The performance of the proposed sensor has been evaluated by tracing the several optical features like wavelength sensitivity, amplitude sensitivity, resolution of the sensor, and figure of merit. As a result, the comparative study between silver and gold elements has been carried out in which the maximum sensitivity received was 1.15 μm/RIU and 1.10 μm/RIU, respectively. Whereas, on the base of power spectrum, the obtained sensitivity was 513 μm/RIU for the gold layer. Moreover, the effect of other structural parameters (air holes and plasmonic layer thickness) on the sensing performance has been taken into an account. According to the simulation analysis and results, this sensor would have a great potential in various sensing applications of biomedical and liquid refractive index.