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Last updated: May 19, 2024

Plymouth Rock Car Insurance Pricing

What you can expect to spend on car insurance with Plymouth Rock

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Plymouth Rock Assurance has offered car insurance in the United States for 40 years, specifically in Connecticut, Massachusetts, New Hampshire,New Jersey, New York, and Pennsylvania. With operations in only six states, it’s one of the smaller car insurance companies, but Plymouth Rock provides robust offerings and multiple discounts that make car insurance affordable. In addition to car insurance, the company also offers property and casualty insurance in the form of homeowners’ and renters’ insurance.

On this page, we detail how much you can expect to pay for auto insurance with Plymouth Rock, how you can make your premiums even lower, and some of the best aspects of the company.

Plymouth Rock Car Insurance Cost

Plymouth Rock offers some of the lowest car insurance prices of any auto insurance company, with an average annual auto insurance rate of $1,513. Premiums can range from $337 to $2,682, depending on several factors. Here are the average costs for various circumstances:

  • Minimum coverage: The average annual cost of minimum car insurance coverage is $337.
  • Full coverage: Full coverage would cost significantly more at around $1,513 per year. The more coverage options you add, the higher your car insurance quote will be.
  • 18-year-old drivers: Teens pay more for auto insurance than any other age group. For an 18-year-old driver, Plymouth Rock insurance could cost around $2,085 a year.
  • Drivers in their 30s: A 30-year-old driver in Massachusetts could shell out around $1,364 annually for a minimum policy or $3,812 annually for full coverage.
  • Drivers in their 50s and 60s: Older drivers typically pay less for auto insurance; their rates average between $1,656 and $1,716 each year with Plymouth Rock.


See how Plymouth Rock backs up great rates with quality service in our Plymouth Rock review.

Saving Money With Plymouth Rock Discounts

Plymouth Rock offers a variety of ways for drivers to save on their auto insurance policies. Your agent can walk you through the following discounts:

  • Driver improvement discount: Customers age 55 and older who finish driver improvement courses could see reductions in their auto insurance costs. Please note these discounts or programs may not be available in your state. Learn more about the best car insurance for seniors.
  • Five-year claim-free discount: You can save when you’re over the age of 22 and have had no vehicle incidents over a five-year period.
  • Safe drivers: Customers with clean driving records can keep their premiums low.
  • Driver training discount: You could receive additional discounts if you take a state-approved defensive driving course.
  • New driver family discount: Policyholders who have been with Plymouth Rock for more than two years and have licensed drivers under the age of 19 on their auto insurance policies could see additional savings.
  • Bundling discounts: Plymouth Rock offers customers discounts for having multiple insurance policies, such as adding homeowners insurance to their vehicle insurance.
  • Student away at school: Customers with students away from home at school without regular access to their insured vehicles can get a discount.
  • Multicar: Having more than one vehicle on the same policy snags discounts for Plymouth Rock policyholders.

Favorite Features

Rental Coverage

Policyholders can add rental car coverage, and under some plans, can also have a higher daily limit for their rental vehicles.

Seat Belt/Airbag Benefits

If a loss of life happens because of a covered accident, Plymouth Rock will provide additional benefits if the driver and passenger were wearing seat belts and were protected by functional airbags.

Child Car Seat Replacement

Customers with child safety seats that were damaged because of covered losses will receive payment to replace them up to the policy’s stated limits.

Waiver of Collision Deductible

If you are involved in a loss because of another Plymouth Rock customer, the company will waive your collision deductible.

Additional Loss of Earnings Coverage

Customers who must attend hearings or trials because of accidents will receive higher limits above their base policies to cover loss of earnings.

Waiver of Deductible for Glass Repairs

Policyholders will have their deductibles waived for repairs involving simple glass breaks, chips, cracks, and nicks. This waiver applies to a covered loss only if the area of repairable damage is within the size limit each state sets.

Road Rewards Program

Drivers can earn rewards for safe driving. The company’s Road Rewards program measures acceleration, braking, cornering, distracted driving, and speeding. The safer a customer drives, the more points he or she will earn.

Rewards are redeemable via phone for Apple and gift cards and other items. The driving data collected via the phone app does not impact premium costs.

Get Home Safe

Customers can receive free rides home when driving would not be the safest option. The policyholder must submit a receipt and fill out a form to receive up to $50 back for a one-way cab ride. Customers can access this benefit once per year.

What States Is Plymouth Rock Available?

Plymouth Rock insures vehicles in six states:

  • Connecticut
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania

Cancellation Policy

To cancel your auto insurance policy, call 800-437-5556 if you bought your policy directly through Plymouth Rock or via a Prudential financial professional. Call the company at 833-511-ROCK (7625) if you purchased your policy from an independent agent.

Company Background

Plymouth Rock has offered auto insurance since 1982. Its companies now write and manage more than $1.7 billion in home and auto insurance premiums in six states. A.M. Best has rated the company as Excellent, the highest financial strength rating available.

The company also has been a leader in philanthropic efforts, dispersing grants from the Plymouth Rock Assurance Foundation. Employees engage in hands-on community service each year and participate in an employee matching gifts program. Since its creation in 1996, the foundation has given away more than $8 million to nonprofits, as of 2022.

Contact Information

Potential customers can contact Plymouth Rock Assurance for a quote in a couple of ways:

  • Call 855-993-4470.
  • Visit the company’s website for an online quote:

Current customers have two ways to contact Plymouth Rock Assurance with questions about their Plymouth Rock auto insurance if purchased directly through the company or via a Prudential financial professional:

  • Call 800-437-5556.
  • Email

Customers who bought policies through independent agents can contact the company one of three ways:

  • Call 833-511-ROCK (7625).
  • Text the word “service” to 22022.
  • Email

Potential and current customers can also contact Plymouth Rock by mail. For a list of the company’s mailing addresses, visit


While it is a smaller insurance company, Plymouth Rock Assurance offers drivers a valuable option for auto insurance. Its discounts and upgrades represent an affordable policy for drivers in the states where it operates.

Frequently Asked Questions

What is Assurance Plus with Plymouth Rock car insurance?

Assurance Plus with Plymouth Rock car insurance is a perk for customers who have been with the company for at least three years. The Assurance Plus upgrade includes additional coverages such as mobile device and pet injuries. Mobile device coverage encompasses covered loss damage to cell phones, smartphones, or tablets belonging to family members. Members with cats or dogs injured (or worse) because of a covered loss would receive money for vet visits or other related expenses.

Does Plymouth Rock offer car insurance for a driver with a learner’s permit?

Yes, Plymouth Rock Assurance provides coverage for an unlicensed driver with a permit under the policy of the registered vehicle owner (like the driver’s parent, for example). Once the unlicensed driver receives their driver’s license, then the policyholder will need to add them to the insurance policy as a licensed driver.

What will it cost to add a teen driver to your auto insurance policy with Plymouth Rock?

Adding a teen driver to your auto insurance policy with Plymouth Rock will increase your annual premiums. However, multiple factors, including the young driver’s age, gender, and the type of vehicle they will be driving, will determine each policyholder’s rate. Check with Plymouth Rock directly to see how much having a teen driver on your policy will cost.

Does Plymouth Rock offer accident forgiveness?

Yes, Plymouth Rock offers accident forgiveness as added coverage. When an eligible customer buys accident forgiveness as part of their auto policy, Plymouth Rock will waive a surchargeable accident, starting on the next renewal cycle, if the policyholder meets certain criteria. To add accident forgiveness, the customer must have an auto policy with full coverage. Accident forgiveness would only apply to one accident per five years, and customers will still see their rates rise after an accident.