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Plymouth Rock Car Insurance Review: Costs and Ratings (2023)

Plymouth Rock sells car insurance in a handful of East Coast states. The company offers excellent coverage options and discounts, plus unique perks for longtime customers.

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Updated March 6, 2023

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Many drivers shop for car insurance online. But a search for car insurance companies can produce hundreds of results, including both national and regional insurers. Depending on where you live, you might come across Plymouth Rock Assurance in your search for providers.

Plymouth Rock sells auto insurance in a few states in the Northeast. It’s been in business for more than 40 years. We reviewed Plymouth Rock’s car insurance offerings to help you determine whether it’s the right insurer for your needs.

Quick Facts

  • Plymouth Rock sells car insurance in six Northeastern states.

  • The company stands out for its loyal customer benefits and discounts.

  • The average monthly rate is $189 for minimum coverage and $206 for full coverage.

What is Plymouth Rock car insurance?

Jim Stone, who previously served as insurance commissioner for the Commonwealth of Massachusetts, founded the company in 1982. It now maintains headquarters in Massachusetts and New Jersey.

Plymouth Rock’s network of insurance companies underwrites and manages a combined $1.7 billion in car insurance and home insurance premiums. The company sells auto insurance in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.

How does Plymouth Rock auto insurance work?

Plymouth Rock is a traditional auto insurance provider that sells coverage directly to consumers and profits from selling policies. Plymouth Rock’s policies are underwritten by several insurance providers that fall under the Plymouth Rock Assurance and Plymouth Rock brands, such as Bunker Hill Insurance and Palisades Insurance.

Plymouth Rock car insurance coverage

Plymouth Rock Assurance sells a variety of car insurance policies.[1] But the available coverages depend on where you live.

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Personal liability insurance covers third-party claims of bodily injury and property damage when you cause an accident and the other driver suffers losses. This coverage is legally required in most states.

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Collision insurance pays for your vehicle’s damages after an accident you cause. It’s typically purchased as part of a full-coverage insurance policy.

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Comprehensive insurance pays for your vehicle’s damages stemming from a noncollision incident, such as theft, vandalism, weather damage, or an object falling onto the vehicle.

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Medical payments

Medical payments insurance pays for your and your passenger’s medical expenses if you get injured in an accident.

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Uninsured/underinsured motorist

This policy kicks in when you get into an accident with a driver who is uninsured or doesn’t have enough coverage to pay for your losses in full.

Additionally, Plymouth Rock offers these other optional coverages:

  • Substitute transportation: Substitute transportation insurance, also known as rental reimbursement coverage, pays for a rental vehicle if your car is damaged in a covered collision or comprehensive claim.

  • Towing and labor: Towing and labor insurance is an optional policy that pays to tow your vehicle to an auto repair shop if the car is damaged in a covered loss.

  • Gap coverage: Gap insurance covers leased and financed vehicles. If your car gets totaled, gap coverage pays the difference between the car’s diminished value and the amount you still owe.

  • New-car replacement: If your car is totaled in a covered incident, new-car replacement insurance will compensate you for the cost of a new vehicle similar to your old one.

  • Roadside assistance: Roadside assistance pays for some emergency roadside services, like a flat tire change, fuel delivery, or battery replacement.

  • OEM parts: This policy will pay to use original equipment manufacturer (OEM) parts when repairing your vehicle after a covered loss.

The policies listed above are available to all Plymouth Rock customers. However, the company provides additional benefits to its most loyal customers. Once you’ve been a Plymouth Rock customer for four policy terms or belong to a qualifying motor club, you can access its Assurance Plus Loyalty Rewards. These benefits include:[2]

  • Additional loss of earnings coverage: If you have to go to court after an accident, your policy will provide a higher amount of coverage for your lost wages.

  • Personal property coverage: If you have a claim and it affects personal items inside your vehicle, Plymouth Rock will pay to repair or replace the items up to the policy limit, with no deductible.

  • Child car seat replacement coverage: This coverage will pay to replace a child’s car seat if it gets damaged in a covered claim.

  • Device replacement coverage: If an electronic device, like a phone or laptop, is damaged in a covered loss, your policy will pay to replace it, up to the policy limit.

  • Waiver of collision deductible: If you get into an accident with another Plymouth Rock customer, you don’t have to pay a deductible when you file a collision claim.

  • Bail bonds coverage: If you get arrested for causing serious bodily injury in an accident, this policy will provide higher levels of coverage above your base policy limit.

  • Seat belt/airbag benefits: In the event of a fatal crash, Plymouth Rock will provide additional benefits if the driver was wearing a seat belt properly.

  • Pet injury coverage: Plymouth Rock will pay for veterinary services if your pet is injured in a covered accident.

  • Additional rental car coverage: If your policy includes rental car coverage, Plymouth Rock will increase your daily coverage limit for being a loyal customer.

  • Waiver of deductible for glass claims: If you have a small chip or dent in your windshield, Plymouth Rock will pay to replace it with no deductible.

How to get a Plymouth Rock car insurance quote

Plymouth Rock offers free online quotes for customers who live in the company’s coverage area. You can also call the company at 1 (855) 993-4470 to request a quote or visit the website to search for an independent agent in your area.

The process of getting a car insurance quote is simple. You’ll be asked to provide some basic information, including your recent accident history, marital status, vehicle identification number (VIN), and ownership status. You’ll also be able to see if you qualify for any discounts.

After inputting your information, you’ll see your quotes for suggested levels of coverage. You can adjust your coverage limits and add and remove coverages based on your needs. If you’re satisfied with your quote, you can complete the purchase online.

While Plymouth Rock makes it easy to get a quote online or through an agent, you might also consider using a quote-comparison platform like Insurify. By using a quote-comparison tool, you can see how Plymouth Rock’s rates compare to other companies, all in one place.

Plymouth Rock car insurance cost by state

Car insurance premiums differ based on the state you live in. In addition, every state has unique car insurance requirements, which can affect the price. In the table below, you can see the average monthly cost of car insurance from Plymouth Rock in a few of the states it serves.

StateAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
New Jersey$195$178
Actual quotes may vary based on the policy buyer's unique driver profile.

Plymouth Rock auto insurance rates by driving history

Car insurance premiums can change depending on your driving record, which reflects your history of traffic violations and accidents. While most violations will cause your rate to increase, some incidents affect your premium more than others. The table below shows the average car insurance premiums for drivers with a clean record, speeding tickets, accidents, and DUIs.

Driving HistoryAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Clean record$200$166
Speeding ticket$268$222
At-fault accident$286$237
Actual quotes may vary based on the policy buyer's unique driver profile.

Plymouth Rock car insurance cost by age

Age has a significant effect on the cost of car insurance, especially for young people. In general, rates are highest for drivers younger than 25.[3] Once drivers reach their mid-20s, car insurance premiums start to drop and consistently go down over time. Below, you can see Plymouth Rock’s average car insurance premiums for drivers of various ages.

Driver AgeAverage Monthly Quote
Actual quotes may vary based on the policy buyer's unique driver profile.

Plymouth Rock car insurance discounts

Plymouth Rock Assurance offers a variety of discounts and savings programs for its policyholders. Taking advantage of discounts can help lower your premium. Here’s a look at the discounts available from Plymouth Rock:

  • Mature driver discount: Drivers over age 60 who complete an approved defensive driver course can qualify for a discount.

  • Claim-free discount: Drivers over the age of 22 who have had no accidents within the last five years can get a claim-free discount.

  • Pay-in-full discount: If you pay your annual premium up front and in full, you can save money on your policy.

  • Motor club discount: Plymouth Rock will give you a discount on your policy if you belong to a participating membership-based motor club.

  • Multi-vehicle discount: You can save money on your car insurance if you insure multiple vehicles on your policy.

  • Advanced shopper discount: Plymouth Rock offers a discount to shoppers who purchase a policy more than seven days in advance of the start date.

  • Student away at school discount: You can get a discount on your car insurance if you insure a student away at school who doesn’t have access to a vehicle.

  • Group discount: Plymouth Rock will give you a discount if you belong to certain organizations or are an employee of a participating group.

  • YUBI program: If you join Plymouth Rock’s telematics-based safe driver rewards program, called YUBI, you could save up to 24% on your policy.

Plymouth Rock insurance bundling options

Plymouth Rock offers policy bundling discounts. You can save money when you combine a homeowners, condo, or renters policy with an auto or motorcycle insurance policy. Plymouth Rock doesn’t advertise specific savings for bundling, so you’ll need to contact an agent to see how much you could save.

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Plymouth Rock reviews and ratings

Plymouth Rock’s customer reviews are mixed. But overall, the company doesn’t have the best ratings. Many customers have complained about issues with billing, canceled policies, and poor customer service.

However, it’s worth noting that the company’s mobile app is highly rated. In the Google Play Store and the App Store, Plymouth Rock’s mobile app has a rating of 4.8 out of 5 stars.

Plymouth Rock customer reviews

Customer reviews for Plymouth Rock are mixed. Here are some recent reviews of Plymouth Rock car insurance:

Plymouth Rock ratings

Here’s how Plymouth Rock stacks up on a few different ratings sites:

  • Trustpilot: 2.8 out of 5 stars

  • Facebook: 2.6 out of 5 stars

  • Better Business Bureau: 1.24 out of 5 stars

Plymouth Rock vs. other insurance providers

There are lots of car insurance companies on the market. It’s a good idea to compare multiple providers to find the best one for your needs. See how Plymouth Rock stacks up against some of the biggest insurers.

Plymouth Rock vs. GEICO

GEICO is the second-largest car insurance company by market share[4] and sells car insurance to drivers in all 50 states.

GEICO stands out for its excellent selection of discounts, with special savings for military personnel, federal employees, and smart students. But unlike Plymouth Rock, GEICO has very few optional coverages. The only endorsements available are roadside assistance, mechanical breakdown insurance, and rental reimbursement coverage.

Plymouth Rock vs. Liberty Mutual

Liberty Mutual is another national insurance provider of auto coverage. On average, Liberty Mutual’s auto insurance policies cost $284 per month for full coverage and $198 per month for minimum coverage.

Like Plymouth Rock, Liberty Mutual stands out for its impressive list of discounts. However, Liberty Mutual offers some discounts that Plymouth Rock doesn’t, like savings for military service members, homeowners, and good students. Both companies offer a broad selection of coverage options, with some overlap between policies.

Plymouth Rock vs. Progressive

On average, Progressive customers pay $238 per month for full coverage and $161 for minimum coverage. However, Progressive offers a good selection of discounts for policy savings.

One of the advantages of Progressive over Plymouth Rock is the company’s unique online tools. For example, you can use the AutoQuote Explorer tool to compare Progressive’s rates to competitors, and the Name Your Price tool can help you build a customized policy based on your specific budget.

More about Plymouth Rock insurance

Plymouth Rock received several awards in recent years and has been recognized for various achievements:

  • The company ranked 10th out of 35 insurers in Forbes America’s Best Insurance Companies 2023 for the auto insurance product category.

  • Plymouth Rock’s president and CEO, Mary Boyd, was named the 2022 Insurance Professional of the Year by the Insurance Library Association of Boston.

  • The company’s safe driver program, Road Rewards, was named to NU PropertyCasualty360 Luminaries Class of 2022 in the technology innovation category.

Plymouth Rock pros and cons

Like all insurance companies, Plymouth Rock has advantages and disadvantages. Here are some of the pros and cons to consider:


  • Excellent discounts

  • Comprehensive coverage options

  • Unique member perks for loyal customers


  • Coverage area is limited to the Northeast

  • Some negative reviews from customers

  • Coverage and discounts vary by state

Filing an auto insurance claim with Plymouth Rock

If you get into an accident or something happens to your vehicle, you can file a claim with Plymouth Rock. If the claim is covered, the company will provide a payout based on the coverage limits of your policy once you’ve met your deductible.

Plymouth Rock makes it easy to file claims online or by calling an agent. You can find claim forms online for your state, as well as a step-by-step overview of what to expect before and after reporting a loss.

The company also offers some unique tools to simplify the claim process:

  • CarPics photo appraisals: You can use the CarPics photo appraisals tool to take photos of your car’s damage and potentially avoid an in-person visit with an adjuster.

  • Crashbusters Mobile Claim Service: If you must meet with an adjuster, you can use Crashbusters to schedule the inspection at a time and place of your convenience and potentially get a payout on the same day.

  • Door-to-Door Valet Claim Service: Plymouth Rock’s valet service will pick up your car and take it to the repair shop. The company can also deliver a rental vehicle if you have rental car coverage.

If you have your car repaired at one of Plymouth Rock’s preferred repair shops, the work is 100% guaranteed for as long as you own the vehicle. You also have the option to bring the car to a repair shop of your choosing.

Plymouth Rock insurance FAQs

Here are answers to some frequently asked questions about Plymouth Rock insurance.

  • Yes, Plymouth Rock is a legitimate insurance company. It has been in business for more than 40 years and sells a variety of insurance products in the Northeast.

  • The average cost of Plymouth Rock car insurance is $200 per month for full coverage and $166 per month for minimum coverage. However, car insurance rates can vary based on factors like ZIP code, age, credit score, and driving record.

  • Plymouth Rock has excellent claim handling. The company has an A- (Excellent) financial strength rating from A.M. Best, which means it’s able to repay policyholders after a covered loss. You can report a claim online or over the phone and use its tools like Crashbusters and CarPics to simplify the claim process.

  • Plymouth Rock car insurance can be a good option if you’re looking for a provider with comprehensive coverage options and discounts. Plymouth Rock can also make sense if you plan to stay with the company for several years. After four policy periods, you can take advantage of even more benefits.

  • Yes, Plymouth Rock offers several types of insurance. In addition to auto insurance, Plymouth Rock sells homeowners, renters, condo, commercial auto, motor home, motorcycle, flood, umbrella, term life, pet, and teachers insurance.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. Plymouth Rock Assurance. "Connecticut Auto Insurance Coverage and Policy Options." Accessed February 17, 2023
  2. Plymouth Rock Assurance. "Great Benefits for Loyal Customers." Accessed February 17, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed February 17, 2023
  4. National Association of Insurance Commissioners. "2021 Top 25 Groups and Companies by Countrywide Premium." Accessed February 17, 2023
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com