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Last updated: May 19, 2024

Plymouth Rock Insurance Review

Robust coverage options for select states on the East Coast

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Plymouth Rock is a regional auto insurance provider based in Boston. The company prides itself on a high standard of customer service, and for the most part it can back up that claim. Current and potential customers can expect to work with local agents to find a mix of coverages and plenty of discounts. Plymouth Rock is available in only six states, making its footprint small but strong, and we named it one of the best car insurance companies in New Jersey. I found its offerings to be particularly robust, especially when compared to large national auto insurance companies.

We’ve reviewed dozens of insurance companies in addition to Plymouth Rock, including the best companies for military members & veterans and the cheapest companies for any driver.

Quick Look: Plymouth Rock Pros & Cons


  • Local agents

  • Robust set of discounts and perks

  • Affordable rates


  • Only operates in six states

  • Website could be clearer about coverage options

Who Is Plymouth Rock Auto Insurance Best For?

To state the obvious first: Plymouth Rock is best for auto insurance customers in the six states in which they operate. Drivers in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania can consider getting auto insurance quotes from Plymouth Rock.

If you live in one of those states and want affordable rates and many coverage options, you should get a quote from Plymouth Rock.

How Much Does Plymouth Rock Car Insurance Cost?

The average annual premium for a full coverage auto insurance policy from Plymouth Rock is $1,513—this is 24 percent lower than the national average and one of the lowest rates I found when I compared Plymouth Rock to other carriers. Erie, a Pennsylvania-based insurance provider, is the only company I found with a lower rate ($1,495). That’s a point in favor of regional insurance companies over the big guys!

Demographics play a huge role in your auto insurance premium. For example, teen drivers should expect to pay an average of $2,085 for a policy with Plymouth Rock, and older drivers between $1,656 and $1,716.

Company Average annual premium for full coverage Average annual premium for minimum coverage
Plymouth Rock $1,513 $337
National Average $1,924 $547
AAA $2,211 $894
Allstate $2,639 $597
American Family $1,785 $713
Erie $1,495 $483
Farmers $2,320 $634
GEICO $1,572 $413
Nationwide $1,805 $613
Progressive $1,891 $481
State Farm $1,697 $482


Here’s a guide to Plymouth Rock car insurance pricing.

How You Can Save On Your Policy With Plymouth Rock

Plymouth Rock offers a good number of discounts, especially for a small insurer. If you live in New Jersey and belong to a commerce, culture, fitness, or volunteer center, you should check if your group membership gives you a discount. Plymouth Rock also offers perks and discounts to employee groups, including teachers and CPAs. Another of the company’s most popular and cost-effective discounts is bundling home and auto or insuring multiple vehicles on the same policy.

Here’s a chart that breaks down the auto insurance discounts available by state:

Discount/State CT MA NH NJ NY PA
Mature Driver Yes No No No No No
Advanced Shopper Yes No Yes No No Yes
5-Year Claims Free Yes No No Yes No Yes
Bundling Yes Doesn’t say Yes Yes Yes Doesn’t say
Companion Yes Yes Yes Yes No Yes
Motor Club Yes Yes No No No No
Student Away at School Yes Yes No Yes Yes No
Good student No No No No Yes No
Multi-Car Yes No Yes Yes Yes No
Paid-in-full No Yes Yes No Yes No
Membership CPTV, WNPR SBLI, WBUR, WFCR CPAs, State Employees Association Chambers of Commerce, Community Colleges, Cultural Groups, Gym & Fitness Centers, Professional Associations, Sports and Statewide Partners, Volunteer Groups University at Buffalo Alumni Association Accountants, Educators, Nurses, East Stroudsburg University, Slippery Rock University Alumni Association
Safe Driver No No Yes Yes Yes Yes
New Driver No No Yes Yes No No
Driver Improvement No No No Yes No Yes
Anti-Theft Devices No No No No Yes No
Passive Restraint No No No No No Yes
Driver Training No No No Yes Yes Yes
Edocs No No No No No Yes

Getting a Quote From Plymouth Rock

Here’s how you can get a quote with Plymouth Rock:

Online: This is Plymouth Rock’s homepage, with an online quote generator front and center. Typically, you would enter your zip code and then information about where you live, what car you drive, what coverage you have, and what coverage you want.

Plymouth Rock Insurance Savings That Rock

Plymouth Rock Get a Quote

On the phone: You can get a quote from Plymouth Rock by calling 855-993-4470.

With an agent: Plymouth Rock offers a “Find An Insurance Agent” online tool. You can enter a city, state, zip code, or agent name and connect to a local Plymouth Rock agent. The benefit of working with an agent is they understand both the local market and the offerings of the auto insurance company.

Plymouth Rock Find an Insurance Agent

What Types of Auto Insurance Coverage Does Plymouth Rock Offer?

Because Plymouth Rock caters to only six states, its offerings are specific. Here’s a chart of the required and extra coverages available by state:

State/Coverage CT MA NH NJ NY PA
Bodily Injury Liability Yes Yes Yes Yes Yes Yes
Property Damage Liability Yes Yes Yes Yes Yes Yes
Uninsured/underinsured motorist Yes Yes Yes Yes Yes Yes
Collision Yes Yes Yes Yes Yes Yes
Limited Collision Doesn’t say Yes Doesn’t say Doesn’t say Doesn’t say Doesn’t say
Comprehensive  Yes Yes Yes Yes Yes Yes
Medical Payments Yes Yes Yes Yes N/A Yes
Substitute Transportation Yes Yes Yes Yes Yes Yes
Towing and Labor Yes Yes Yes Yes Doesn’t say Doesn’t say
Personal Injury Protection (PIP) N/A Yes N/A Yes Yes N/A
Replacement Cost Coverage Doesn’t say Yes Doesn’t say Yes Doesn’t say Doesn’t say
Rideshare Coverage Doesn’t say Doesn’t say Doesn’t say Doesn’t say Doesn’t say Yes

Plymouth Rock also offers what they call “Loyalty Rewards,” which are unique coverages and add-ons for its customers. Some of these are included automatically, and others are included in different tiers of the company’s Assurance programs. These include:

  • Door-to-door valet claim service: After a covered loss, Plymouth Rock will pick up your car, transport it to a participating shop, and return it when the repair is complete.
  • Guaranteed repairs: Plymouth Rock guarantees repairs for the lifetime of your vehicle if you use one of its referral shops.
  • Get home safe: If you’re in a situation where you feel unsafe driving, Plymouth Rock offers a one-time, one-way cab fare home up to $50 per policy per year.
  • Additional loss of earnings coverage: An increased limit above your base policy to cover a loss of earnings if you attend a hearing or trial after an accident.
  • Enhanced bail bond coverage: An increased limit above your base policy if you incur bail bonds because of an accident involving bodily injury or property damage.
  • Personal property coverage: After a covered loss, Plymouth Rock will pay toward a repair or replacement of personal property up to your limit with no deductible.
  • Seat belt/airbag benefits: Plymouth Rock provides benefits after covered loss of life if that person wore a seat belt properly.
  • Child car seat replacement: Plymouth will pay toward a child safety seat if yours is damaged under a covered loss.
  • Pet injury coverage: Plymouth Rock will provide money for veterinary care or other expenses after a pet injury during a covered auto loss.
  • Device replacement: Plymouth Rock will pay for a repair or replacement device if one is damaged in a covered loss.
  • Additional rental coverage: Plymouth Rock will bump up the daily limit of your policy’s rental vehicle coverage.
  • Waiver of collision deductible: Plymouth Rock waives your collision deductible if another Plymouth Rock customer causes the loss.
  • Waiver of deductible for glass repairs: Plymouth Rock eliminates the deductible for a repair of simple glass breaks, chips, nicks, and cracks resulting from a covered loss.

Plymouth Rock: Customer Satisfaction Data

Plymouth Rock’s NAIC Complaint Index number is 0.74, meaning the company has fewer complaints than expected. I filtered the results to include only private passenger complaints and saw even better results—0.33.1 That’s a great sign!

A less-than-ideal result came from J.D. Power’s 2023 U.S. Auto Insurance Study. Plymouth Rock earned 807 out of 1,000 points in the Mid-Atlantic region, lower than the regional average by 23 points. In New England, Plymouth Rock received 795 points which is 21 points lower than the average of 816.2

My research leads me to believe that Plymouth Rock does cater to its customers through local agents and robust coverage options. It’s also pretty cost-effective—one of the best customer satisfaction indicators.

Category Plymouth Rock
NAIC Complaint Index Below average
J.D. Power 2023 U.S. Auto Insurance Study, Mid-Atlantic and New England Region Below average

Filing a Claim with Plymouth Rock

You can file a claim online and track it online or over the phone via your claims representative. I’m not a customer, so my ability to rate how they handle claims first-hand is limited. What follows is third-party research that helped me assess Plymouth Rock’s claims process. Based on AM Best’s analysis, Plymouth Rock has a solid financial outlook. The company’s rating is an A-, which translates to “Excellent” claims-paying ability and credit quality which has remained steady for at least the past 5 years.3

To further assess Plymouth Rock’s claims-paying reputation, I consulted one of my new favorite resources—CRASH Network’s Insurer Report Card. This survey’s methodology asks body shops to award each company a grade from “A+” to “F” based on the question: “How well does this insurer’s claims handling policies, attitude, and payment practices ensure quality repairs and customer service for motorists?”

Plymouth Rock holds a grade of B- from CRASH Network, ranking 34th out of 88 companies total. That’s pretty good, considering the highest score earned by any of the top ten largest insurance companies is a C+. The company just missed out on the survey’s Honor Roll (top 25 companies) because it did not score an overall grade of “B” or higher across all 50 states. I wasn’t sure if this was because its coverage area is smaller than other insurers, but the North Carolina Farm Bureau is the top scorer. Plymouth Rock did rank second overall in the New England region, where it received a regional grade of “B.”4

Plymouth Rock’s Website and Mobile App

Plymouth Rock’s website is pretty user-friendly, but I had trouble accessing the discount pages for some states. It also took more research to determine whether Plymouth Rock offered each discount or coverage or whether the website defined the terms. If all you want is to get a quote or view/pay your policy, it should be no problem.

The app reviews are strongly positive about Plymouth Rock’s customer service and the ratings are high. Here’s a download of the app’s features:

  • View all policies and billing summaries on one page
  • Access mobile insurance ID cards
  • Save bank account info and make payments
  • Report and manage claims
  • Add new cars, drivers, addresses, and payment plans to your policy
App Rating (out of 5)
Plymouth Rock Assurance iPhone — 4.9 stars

Android — 4.8 stars


Check your state’s proof of insurance requirements to ensure they allow mobile ID cards.

Frequently Asked Questions

Does Plymouth Rock have good car insurance reviews?

Plymouth Rock does have good car insurance reviews, including a low number of customer complaints and a B- grade from CRASH Network.

Is Plymouth Rock insurance cheaper than GEICO?

Yes, Plymouth Rock insurance is often cheaper than GEICO. Plymouth Rock’s average auto insurance rate is cheaper than GEICO’s by $59 annually.

Methodology – How We Review Insurance Companies

I begin my research with third-party ratings and reviews. This helps me situate the company within the industry landscape and assess the potential pitfalls, rather than getting caught by marketing pitches. Then I dive into the company’s website to corroborate or dispute the third-party assessments. Finally, I layer my experience looking for auto insurance on top of the information to determine what types of customers can benefit from the auto insurance company.

In addition, all reviews account for the following:

  1. Value: A provider’s average premiums and discounts relative to the quality of coverage and service.
  2. Coverages: Whether a company offers additional protections above the state requirements, like rental reimbursement, GAP coverage, and rideshare coverage.
  3. Customer satisfaction: As measured by third-party data from sources like the Better Business Bureau, NAIC, and others.
  4. Claims handling: The timeliness, quality, and experience of filing a claim, evaluated by independent sources including CRASH Network and J.D. Power.
  5. Digital tools and technology: The user-friendliness of websites, mobile applications, and online account management functionalities, evaluated by our first hand experience and customer reviews.


  1. Plymouth Rock Assur Preferred Corp National Complaint Index Report. National Association of Insurance Commissioners. (2023).

  2. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  3. FINANCIAL INFORMATION. Plymouth Rock Assurance. (2024).