Plymouth Rock Car Insurance Reviews (2023)

We rate Plymouth Rock car insurance 3.5 out of 5.0. Its coverage options, discounts, and perks make it a good choice, but the company’s mixed customer reviews and lack of availability nationwide makes it worthwhile to consider other options for auto insurance.

With Plymouth Rock car insurance, you can choose between liability-only coverage or a full-coverage car insurance policy. Most states require drivers to have basic liability insurance in case they’re found at fault in an accident, but it’s still a good idea to consider full-coverage insurance if you want more comprehensive protection.

Additional Plymouth Rock Car Insurance Coverage Options

Beyond standard coverage options, Plymouth Rock offers a number of additional coverage types.

Plymouth Rock Insurance Benefits 

Plymouth Rock offers four Assurance Packages that include a variety of additional coverage options, features, and benefits that you can add on to your standard policy. The four coverage levels available for a Plymouth Rock car insurance policy are:

• Essential Assurance
• Assurance Plus
• Assurance Preferred
• Assurance Premier

Some plans are available at an additional cost, but the Essential Assurance package is automatically included with your policy. The chart below explains which coverages and services are included with each package:

Plymouth Rock car insurance costs tend to be affordable, though the company is not necessarily among the cheapest auto insurance options in the states where it’s available. 

Our rate averages show that a 35-year-old driver with a clean driving record would pay an average of $3,293 for a full-coverage policy in Massachusetts. This falls well above the state average for auto insurance in Massachusetts, which is $2,647 per year. For a minimum coverage policy, drivers may pay $1,035 per year on average.

If you live in New York, New Hampshire, New Jersey, or Connecticut, every driver’s rate will vary based on the following factors. These include your:

• Driving history
• Age
• Gender on license
• Marital status
• Location
• Credit score
• Type of vehicle (make, model, and age)

Luckily, Massachusetts doesn’t allow car insurance companies to use age, credit score, or gender to determine rates for policyholders. Pennsylvania drivers also don’t have to worry about their gender affecting their rates.

Plymouth Rock Insurance: Cost By Age

Car insurance companies typically charge higher rates for drivers that have had less experience behind the wheel, such as those under 25. But Plymouth Rock Assurance manages even higher rates. 

Full-coverage car insurance for 16-year-olds is $11,298 per year from Plymouth Rock, which is 63 percent more expensive than the national average for this age group ($6,912 per year). Below shows Plymouth’s average annual cost estimates for full-coverage car insurance by age group.

Plymouth Rock Insurance Costs: High-Risk Drivers

Drivers that have speeding tickets, DUIs, and more on their records will see higher rates from Plymouth Rock Assurance. Below are some annual estimates for drivers that have different traffic violations on their records.

*Speeding tickets are for 16 to 20 mph over the speed limit. Recent accidents are for a single vehicle ($2,500 worth of damage).

Plymouth Rock Car Insurance Discounts

The chart below highlights Plymouth Rock’s wide range of discounts, including those for new drivers, advanced shoppers, and good students. You should keep in mind that these services vary from state to state, so check with your insurance agent to see what discounts are available to you.

*Only available for policyholders in New Jersey and Pennsylvania.

The Plymouth Rock car insurance mobile app allows customers to file and review claims, as well as access account information, billing, and payments. Though it has practical functions, most of its reviews have been negative. The company has a 4.9-star rating on Google Play and a 4.9-star rating on the Apple App Store. Many customers complain about the app’s slow loading speed and technological issues.

Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 25
Trustpilot rating: 2.5

Even though Plymouth Rock Assurance has an A+ rating from the BBB, customer reviews for the insurance company are varied. It received the lowest customer satisfaction rating for the Mid-Atlantic region in the J.D. Power 2022 U.S. Auto Insurance Study^SM but was in third place for the New England region.

Positive Plymouth Rock Car Insurance Reviews

Positive reviews from customers tend to praise its customer service and helpful representatives:

“Every time I’ve contacted Plymouth Rock Auto on an issue, their employees have been very helpful and courteous and my issues have always been expediently resolved. This company offers great customer service and affordable insurance. When I have contacted them for information or resolution of a problem they’ve responded efficiently and positively.”
– Elisa via ConsumerAffairs

“I never had any problems with Plymouth Rock. They always send me a reminder when payment is due and if I ever have any questions, their friendly service is always able to answer all my questions in a prompt manner.”
– Vickie via ConsumerAffairs

Negative Plymouth Rock Car Insurance Reviews

However, many customers have complaints about the claim process, denied coverage, and an increase in insurance rates without explanation from the company: 

“This company doesn’t put the client first. They will collect the premiums but not pay claims when you need them. It took the company 48 hours to respond to my first claim. It’s been over two weeks and no settlement is in place.”
– Monica via ConsumerAffairs

“I have been with this company for one month and already they have tried to triple my monthly payments twice.”
– Dennis L. via BBB

About Plymouth Rock Car Insurance

Founded: 1982
Parent company: Plymouth Rock Group of Companies
Availability: Six states
AM Best financial strength rating: A-
Insurance types: Auto, motorcycle, homeowners, renters, condo, motorhome, boat, life, pet

Founded in Boston, Massachusetts, Plymouth Rock Assurance is a relatively small company that specializes in 14 niche insurance policies across two main sectors: auto insurance and home insurance.

Plymouth Rock insurance policyholders can expect to have access to unique features, discounts, and perks, such as door-to-door valet claims service, mobile claim service, and deductible cost options.

The company offers coverage in the following states:

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

We give Plymouth Rock Insurance 3.5 stars because of its great coverage options. Before picking a provider, read more about other car insurance companies:

Plymouth Rock Auto Insurance Competitors

Plymouth Rock Assurance is a good auto insurance company and offers a variety of coverage options, but we still think it’s best to shop around and compare other car insurance companies that might be a good fit for your insurance needs. We have reviewed the best car insurance companies in the industry and recommend considering Geico and State Farm in your search.

Geico: Best For Discounts

Founded in 1936, Geico is one of the most trusted providers for auto insurance. It has a strong industry reputation, great customer satisfaction, and affordable car insurance rates. Available in all 50 states, customers have access to a variety of discounts and customizable coverage options. Geico has discounts for good students, safe drivers, military members, and those looking to bundle policies. Drivers wanting to save more can take part in Geico’s DriveEasy program. This usage-based insurance program monitors driving habits and rewards discounts based on high-enough scores.

Read more: Geico insurance reviews

State Farm: Best Overall Provider

Available in 48 states, State Farm is one of the best companies in the nation when it comes to discounts for teen and student drivers. Car insurance policies tend to be more expensive for young drivers due to higher accident risk, so it has become a popular choice among those under the age of 25. 

Aside from student and teen driver discounts, State Farm offers a variety of other cost-saving benefits. We rated the company a 4.7 out of 5.0 based on its cost, coverage options, discounts, and reputation.

Read more: State Farm insurance review

Here are some frequently asked questions about Plymouth Rock Insurance:

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

• Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.

• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.

• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.