AutoInsurance.com
December 9, 2022

Plymouth Rock Auto Insurance Review

Regional insurance with a commitment to high-quality service

Plymouth Rock Assurance is a regional auto insurance provider based in Boston, Massachusetts. The company insures personal and commercial automobiles in six states in the Northeast: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. Altogether, it writes and manages more than $1.7 billion annually in auto and home insurance premiums. Founded in 1982, Plymouth Rock maintains a stalwart commitment to customer service. Read on to see if Plymouth Rock Assurance offers the auto insurance services that are right for you.

Key Takeaways

Plymouth Rock is only available in a limited number of states, so it’s not for everyone. However, if you live in its service range and want a local agent with strong ties to the area, Plymouth Rock may be a good fit for you.

Who It’s Best For

  • Students and teachers (there are discounts and perk programs available)
  • Safe drivers
  • Homeowners with Plymouth Rock insurance policies
  • Drivers based in Massachusetts, New Jersey, Connecticut, New Hampshire, New York, or Pennsylvania

Who It’s Not Best For

  • Drivers not based in the coverage areas
  • Federal and military employees

Pros and Cons of Plymouth Rock Auto Insurance

Pros

  • Local agents: Plymouth Rock’s network of local agents will help you purchase the right auto insurance policy.

  • Online portal: Plymouth Rock provides an online self-service policy portal through which you can pay your premium, update your auto-billing, report a claim, access digital proof of insurance, and more.

  • Policyholder perks: Plymouth Rock is committed to serving New England. Policyholder perks include access to discounted Bruins, Red Sox, and Patriots tickets for $10 per year. New Yorkers won’t be left out, either — there’s a $20 Yankees perks package, including home game tickets and savings on food and beverages at the stadium.

Cons

  • Customer satisfaction: Plymouth Rock’s customer satisfaction ratings are lower than average, compared to other insurers in the New England and Mid-Atlantic areas.

  • Limited availability by state: Plymouth Rock is only available in six states.

What Does Plymouth Rock Cover?

  • Bodily injury coverage: Bodily injury liability coverage pays for the other party’s injuries if you are at fault in an accident. In Massachusetts, this coverage only applies if the accident occurs within the state. In New Jersey and Pennsylvania, this coverage amounts to $15,000 per person or $30,000 per accident.
  • Property damage liability: Property damage liability covers damage your vehicle causes to someone else’s property. In New Jersey and Pennsylvania, the minimum limit is $5,000 per accident.
  • Uninsured/underinsured motorist coverage: This coverage pays for injuries and property damage sustained by you or passengers in an accident that an uninsured or underinsured motorist caused.
  • Personal injury protection (PIP): PIP pays for medical expenses, loss of income, and other expenses, regardless of fault. In Massachusetts, PIP covers 75 percent of any lost wages to you, anyone you allow to drive your car, anyone living in your household, passengers, and pedestrians, no matter who caused the accident. Pennsylvania requires a minimum amount of $5,000 worth of medical benefits.
  • Medical payments coverage: This coverage pays for medical and funeral expenses incurred by the at-fault party in an accident.
  • Collision coverage: This coverage helps out if your car gets damaged in an accident with no other liable party. States don’t require collision coverage, but it protects your investment if your vehicle requires repairs or replacement as part of full coverage car insurance.
  • Comprehensive coverage: Comprehensive coverage pays for damage to your car from fire, theft, vandalism, or anything else that’s not a collision.
  • Rental car reimbursement: Rental coverage reimburses you for a rental car or other substitute transportation, up to your daily reimbursable limit and number of reimbursable days (which you selected), if your car needs repair from a covered claim.
  • Towing and labor coverage: Towing and labor coverage pay the cost of towing your car to a repair shop, up to your selected limit per disablement.
  • Replacement cost coverage: Plymouth Rock reimburses you for the full cost of items lost or stolen from your vehicle, rather than the value of the item at the time you lose it. This optional coverage is available in New Jersey.
  • New car replacement: If you experience a total loss and your car was two model years or newer at the time of the accident, Plymouth Rock’s new car replacement will provide a replacement vehicle of the same make, model, and year.
  • Loan/lease gap coverage: Gap coverage will pay the difference if you owe more on a car than it’s worth after an accident.
  • Glass coverage: Purchase full glass coverage so either no deductible applies, or a $100 glass deductible applies instead of the comprehensive deductible.
  • Waiver of deductible: This waives the collision deductible in certain situations (available in Massachusetts, New Jersey, and Pennsylvania).

Plymouth Rock offers four packages with additional features and benefits on top of your chosen coverage:

Benefit Essential Assurance package Assurance Plus package Assurance Preferred package Assurance Premier package
Accidental airbag discharge coverage No No Yes No
Advanced claim services Yes No Yes Yes
Child car seat replacement No Yes No No
Deductible dollars No No No Yes
Electronic key replacement No No No Yes
Enhanced bail bond coverage No Yes No No
Enhanced rental coverage No Yes No No
Enhanced towing and labor coverage No No Yes No
Glass deductible waiver No Yes No No
Guaranteed repairs Yes No Yes Yes
Laptop replacement No Yes No No
Loan/lease gap coverage No No No Yes
Loss of earnings coverage No Yes No No
Mobile device replacement No Yes No No
New car replacement No No No Yes
Online services Yes Yes Yes Yes
Personal property coverage No Yes No No
Pet injury coverage No Yes Yes Yes
Plus one car replacement No No No Yes
Roadside assistance No No Yes Yes
Seatbelt/airbag benefits No Yes No No
Taxi ride reimbursement Yes No Yes Yes
Trip interruption coverage No No No Yes
Waiver of collision deductible No Yes No No
Waiver of deductible for windshield replacement No No Yes No
Waiver of depreciation No No Yes No

Here’s an explanation of the some of the unique benefits Plymouth Rock offers under its Assurance programs:

  • Advanced claim services: Plymouth Rock provides door-to-door valet claim service so you don’t have to stress about getting your car repaired after an accident. A representative will meet you to inspect your damaged vehicle and arrange a rental vehicle while they take care of your claim.
  • Deductible dollars: Plymouth Rock offers $50 in deductible credits for each year without a claim.
  • Enhanced rental coverage: Under this coverage, Plymouth Rock bumps up the daily limit for rental vehicle reimbursement if your policy already contains rental coverage.
  • Laptop replacement: If a laptop belonging to you or a family member sustains damage due to a covered loss, Plymouth Rock will pay toward repairs or replacement with no deductible.
  • Mobile device replacement: If a cell phone, smartphone, or tablet belonging to you or a family member sustains damage due to a covered loss, Plymouth Rock will pay toward repairs or replacement with no deductible.
  • New car replacement: Let’s say, as your car’s original owner, you total it within the first two years. This coverage means Plymouth Rock will replace it with a car of the same year, make, and model, if it’s available.
  • Taxi ride reimbursement: Plymouth Rock offers up to $50 in taxi ride reimbursement to get you home and avoid the negative effects of a DUI on your car insurance coverage.
  • Trip interruption coverage: This coverage offsets the costs of lodging and meals due to a covered loss if it occurs more than 100 miles from home.

CheckSAFETY FIRST:

Plymouth Rock provides a $50 reimbursement credit for a taxi or rideshare service if you don’t feel safe driving home.

What Will My Auto Insurance Rate Be?

Plymouth Rock insurance rates depend on factors specific to you, including where you live, how much coverage you want, what type of car you drive, your driving record, how much you drive, and your age. The average annual cost of Plymouth Rock auto insurance is $1,513, which is over $500 below the national average of $2,071. Compare auto insurance quotes from multiple car insurance companies to see how much you’ll pay.

Discounts

  • Accident-free: This discount applies if you’re over 22 and spend five years claim-free in Connecticut, New Jersey, or Pennsylvania.
  • Driver training: This discount applies if you complete a state-approved defensive driving course in Connecticut, New Jersey, or Pennsylvania.
  • Good student: High school and college students who get good grades in New Jersey and Pennsylvania can also get a discount on auto insurance for all their hard work.
  • Bundle: Bundle multiple policies with Plymouth Rock and save money in Connecticut, New Hampshire, Massachusetts, New Jersey, and Pennsylvania.
  • Multicar: This discount applies to drivers with multiple cars on the same policy in Connecticut, New Hampshire, Massachusetts, New Jersey, and New York.
  • Good payer: Plymouth Rock offers this discount to eligible drivers in Connecticut, New Hampshire, Massachusetts, and New York when you pay your full premium upfront.
  • Safe driver: Maintain a violations-free driving record by avoiding moving violations such as speeding or reckless driving, and you will be eligible for this discount in New Hampshire, New Jersey, New York, and Pennsylvania.
  • Road Rewards: Plymouth Rock’s usage-based safe driving program is called Road Rewards; it operates through an app that tracks your habits.
  • Student away at school: Available in Connecticut, New Hampshire, Massachusetts, New Jersey, and New York, this discount applies if you have a student away at school without regular access to the vehicles on your policy.
  • Anti-theft devices: Certain vehicle equipment, including safety and restraint features like alarm systems and anti-lock brakes, can unlock a discount in New York and Pennsylvania.
  • New driver: New driver in the family? Policyholders insured with Plymouth Rock for over two years with licensed drivers under the age of 19 on their policies can receive a discount in New Hampshire and New Jersey.
  • Motor club: This discount applies to Massachusetts and Connecticut policyholders who are active members of an approved membership-based motor club like AAA Northeast.
  • Mature driver: Drivers over 60 in Connecticut can save on their insurance policies by completing an approved accident prevention course. The same discount applies to drivers 55 and older in New Jersey and Pennsylvania.
  • Advanced shopper: Drivers in Pennsylvania, Connecticut, and New Hampshire will receive a discount for quoting a new policy more than seven days before the effective date.
  • Paperless billing: Drivers in Pennsylvania receive a discount when they sign up to receive policy documents electronically.
  • Passive restraint: If your car has factory-installed passive restraint devices like automatic seatbelts, driver-side front airbags, or passenger-side front airbags, you’ll qualify for Plymouth Rock’s passive restraint discount in Pennsylvania.
  • Good driving: Good driving pays in Pennsylvania. Spend less on your auto insurance with four discount levels based on accident, claim, and violation history.
  • Hybrid/electric vehicle: Eco-friendly drivers receive a discount if they insure hybrid or electric vehicles in Pennsylvania.
  • Alumni and affinity groups: Affinity groups such as colleges, universities, sororities, fraternities, radio stations, volunteer groups, fitness centers, and honor and civic societies provide membership discounts with Plymouth Rock. Here are some examples:
    • Alfred State University
    • WBUR in Massachusetts
    • New Jersey Chambers of Commerce
    • Princeton Fitness & Wellness
    • Slippery Rock University
    • Society of CPAs in New Hampshire

Availability

Plymouth Rock insures drivers across Massachusetts, New Jersey, Connecticut, New Hampshire, New York, and Pennsylvania. Local agents work across the states — check below to see if an agent works in your town.

State Number of Plymouth Rock agents Locations of Plymouth Rock agents
Massachusetts 50+ Wayland, Concord, Acton, Framingham, Waltham, Natick, Carlisle, Marlborough, Wellesley, Bedford, Lexington, Westford, Ashland, Southborough
New Jersey 50+ Millstone, Jackson, Lakewood, Howell, Allentown, Brown Mills, Freehold, Toms River, Hightstown, Beachwood, Cranbury, Brick, Hamilton Square, Bayville, Forked River, Jamesburg, Bordentown, Farmingdale, Colts Neck, Point Pleasant, Manasquan, Princeton Junction
Connecticut 50+ Torrington, Farmington, Hamden, Ansonia, Sandy Hook, Woodbridge, Meriden, Cheshire, Southington, Plantsville, Seymour, Cheshire, Plainville, Naugatuck, Bristol, Litchfield, Southbury, Oxford, Waterbury, Terryville, Woodbury, Prospect, Watertown, Middleburg, Thomaston, Wolcott
New Hampshire 50+ Nashua, Raymond, Hudson, Antrim, Londonderry, Derry, Amherst, Laconia, Gilford, Merrimack, Milford, Bedford, Auburn, Manchester, Hillsborough, Hillsboro, Deerfield, Tilton, Henniker, Concord, Goffstown, Hooksett
New York 50+ New York City, Peekskill, Yorktown Heights, Highland Falls, Stony Point, Croton-on-Hudson, Ossining, Cold Spring, Albany, Watervliet, Colonie
Pennsylvania 9 Apollo, State College, Milesburg, Northumberland, Lock Haven, Williamsport, McElhattan

Plymouth Rock Customer Service

Plymouth Rock has a robust online policy management tool and a mobile app you can use to manage your policies and report claims. For service help, call 800-437-5556 or email rockcare@plymouthrock.com.  Direct claims questions to the phone number above or email claimssupport@plymouthrock.com.

Plymouth Rock’s personal auto customers can call roadside assistance 24/7 at 855-513-5174. Roadside assistance includes flat tire, lockout service, emergency fluid delivery, battery service, concierge service, and towing.

Mobile Apps and Online Features

Plymouth Rock Assurance scores four stars in the App Store and three stars in the Google Play Store. The company’s apps are fairly new — Plymouth Rock released them in June 2022. Here’s a rundown of what you can do in the Plymouth Rock app:

  • Sell all of your policies and billing summaries together in a multi-policy view.
  • Access digital personal auto insurance ID cards from anywhere in the app.
  • Make payments, view bills, and set up automatic payments for the future.
  • Add new cars and drivers to your policy and update your address or pay plan.
  • Manage and report claims.

Plymouth Rock offers online-self service policy tools from your account so you can accomplish the following:

  • Pay bills online 24/7 with Plymouth Rock’s quick pay service.
  • Enroll in paperless billing and recurring payments.
  • Report and track claims.
  • Access your ID cards, such as proof of insurance.
  • Update your policy information, including payment plan, address, and drivers.

Plymouth Rock Car Insurance Third-Party Ratings

  • AM Best rating: AM Best rated Plymouth Rock’s claims-paying ability and credit quality, and gave it a financial strength rating of Excellent.1
  • J.D. Power satisfaction rating: J.D. Power ranks customer satisfaction across 11 geographic regions. Customers ranked Plymouth Rock below the regional average in the Mid-Atlantic and New England Regions. In the Mid-Atlantic, Plymouth Rock received a rating of 827, below the regional average of 842. In New England, Plymouth Rock rated 804 compared to the regional average of 828.2

    After four years of improvement, 2021 was the first year J.D. Power’s customer satisfaction ratings stagnated. One reason cited was a lack of communication from the insurance company about its benefits.
  • Better Business Bureau rating: Plymouth Rock has an A+ rating from the Better Business Bureau (BBB) as of October 2022.3 The company as a whole is not BBB-accredited, although individual agencies may be.
  • BBB customer rating: Plymouth Rock’s customer rating on BBB is only one out of five stars. However, there are only 13 reviews of Plymouth Rock, which is a small sample size.

Company History

Jim Stone founded Plymouth Rock in 1982. Stone, a former lecturer and Economics Ph.D. graduate from Harvard University, served as the youngest commissioner of insurance for the Commonwealth of Massachusetts. The company wrote its first policy on Jan.1, 1984, and reported its first net income in 1985.

Headquartered in Boston where Stone founded the company, Plymouth Rock expanded into New Hampshire in 1991 under the Mt. Washington Assurance Corporation. It entered the New Jersey market in 1992 and Connecticut in 2002.

Other Insurance Plymouth Rock Provides

  • Boat & watercraft
  • Collector car
  • Commercial auto
  • Condo
  • Flood
  • Home
  • Motorcycle
  • Motorhome
  • Pet
  • Renters
  • Term life
  • Umbrella

Cancellation Policy

If you need to cancel your policy, call Plymouth Rock at 800-437-5556 to process the cancellation. You will receive a refund of the unused portion of your paid premium if you cancel your policy before the current term expires, less a short rate penalty that may apply depending on your policy specifics.

Frequently Asked Questions

What is Plymouth Rock accident forgiveness?

Plymouth Rock accident forgiveness coverage is an à la carte coverage option that waives a surchargeable accident once every policy period. Applicable accidents occur during the policy term and involve a vehicle and household member listed on your policy. You must report the accident to Plymouth Rock promptly, and the operator involved cannot be listed as an excluded driver for the vehicle at the time of the accident.

Citations

  1. Plymouth Rock Assurance Corporation. AM Best. (2022).
    https://ratings.ambest.com/CompanyProfile.aspx?amb=1831&AltNum=12421831

  2. Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds. J.D. Power. (2021, Jun 15).
    https://www.jdpower.com/business/press-releases/2021-us-auto-insurance-study

  3. Plymouth Rock Assurance Corporation. Better Business Bureau. (2022).
    https://www.bbb.org/us/ma/boston/profile/insurance-companies/plymouth-rock-assurance-corporation-0021-15916