Plymouth Rock is a regional auto insurance provider available in six Northeastern states. The company has great industry ratings and a wide variety of coverage options, but is it the smartest choice for your vehicle protection needs?

In this article, we’ll cover Plymouth Rock car insurance costs, coverage, customer service reviews, and more so you can determine if it’s the right fit for you. We recommend comparing quotes from several of the best car insurance providers to help make the best decision for your needs.

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In This Review:

    Plymouth Rock Cost And Discounts

    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 rates estimates show that a 35-year-old driver with a clean driving record would pay an average of $1,960 for a full coverage policy in Massachusetts. This falls below the state average for auto insurance in Massachusetts, which is $2,632.

    To give you an idea of how your rates may be affected by your driver profile, our team took a closer look at what Plymouth Rock car insurance costs for different types of drivers in Massachusetts. Average annual costs jump up to $2,682 for drivers with a recent accident on their driving record, showing a 37% increase over what drivers with a clean record may pay. Our rate estimates also show that drivers with a DUI can expect to pay even more, with average premiums of $2,747 per year.

    Every driver’s rate will vary based on several factors, such as:

    • Driving history
    • Age
    • Credit score
    • Type of vehicle
    • Location

    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.

    Good Student

    For high school and college students who earn good grades in school

    Driver Training

    For drivers who complete a state-approved defensive driving class

    New Driver

    Families who have been insured by Plymouth Rock for over two years are eligible for a discount if they add a newly licensed driver under the age of 19 to their policy

    Bundling Discounts

    For policyholders who combine auto insurance, homeowners insurance, or more under Plymouth Rock Assurance

    Advanced Shopper

    For drivers who are switching to Plymouth Rock Assurance from another car insurance provider

    Pledge of Assurance Program

    Guarantees stability and quality in customer satisfaction, service, and value – if the company ever falls short of this, it pledges to donate to your choice of select charity groups

    Anti-Theft

    For drivers who own a vehicle that has safety features such as an alarm system, a vehicle recovery system, or glass-break sensors

    5-Year Claim-Free/Claims Experience

    Drivers over the age of 22 are rewarded if they remain incident-free for 5 years

    Driver Improvement

    For drivers over the age of 55 who complete a driver improvement course

    Plymouth Rock Auto Insurance Coverage

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

    Liability

    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Comprehensive

    Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Plymouth Rock Car Insurance Coverage Options

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

    Crashbusters Mobile Claim Service

    Plymouth Rock’s Crashbusters program gives you access to representatives who will travel directly to you to appraise and assess the damage to your vehicle during the claim settlement process.

    Get Home Safe Coverage

    Plymouth Rock Assurance offers to cover your cab fare home when you feel the need to call a ride. You can be reimbursed up to $50 for cab service fees.

    Gap Coverage Insurance

    Guaranteed asset protection covers the difference between an outstanding auto loan or lease balance and the car’s actual value.

    Rideshare Coverage

    Uber and Lyft drivers can choose between basic rideshare and enhanced rideshare coverage. This protects the driver in case there is an accident with a passenger (customer) present.

    Roadside Assistance

    Whenever you have an emergency, such as locking your keys in your car or having a flat tire, you have access to 24/7 roadside service.

    New Car Replacement

    If you experience a total loss of your vehicle and it was two years old or less, Plymouth Rock will cover the cost of its replacement.

    Plymouth Rock Car Insurance Coverage And Benefits Packages

    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:

    Covered 

    Services

    Essential Assurance

    Assurance Plus

    Assurance Preferred

    Assurance Premier

    Guaranteed Repairs

    Online Services
    (Quotes, Claims, etc.)

    Crashbusters

    Get Home Safe Coverage

    Pledge of Assurance

    Door-to-Door Valet Claim Service

    Mobile Device and Laptop Replacement

    Seat Belt and Airbag Benefits

    Towing and Labor Coverage

    Roadside Assistance

    ✓*

    Depreciation Waiver

    Deductible Reduction

    Trip Interruption Coverage

    Gap Coverage

    Electronic Key Replacement

    *Only available for policyholders in New Jersey and Pennsylvania.

    Plymouth Rock Car Insurance Mobile App

    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 2.7-star rating on Google Play and a 1.3-star rating on the Apple App Store. Many customers complain about the app’s slow loading speed and technological issues.

    Plymouth Rock Car Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in last three years: 12
    Trustpilot rating: 3.2

    Even though Plymouth Rock Assurance has an A+ rating from the BBB, customer reviews for the insurance company are varied. Plymouth Rock has an average 2.3-star rating on ConsumerAffairs from over 60 customers. It also received a below-average customer satisfaction rating for the Mid-Atlantic region in the J.D. Power 2021 U.S. Auto Insurance StudySM.

    Positive reviews from customers tend to praise its customer service and helpful representatives. However, many customers have complaints about the claim process, denied coverage, and an increase in insurance rates without explanation from the company. 

    Positive Plymouth Rock Car Insurance Reviews

    “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

    “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 2 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

    Plymouth Rock Rating: 3.5 Out Of 5.0

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

    Cost

    3.5

    Coverage

    4.0

    Reliability

    3.0

    Service

    3.0

    Overall Rating

    3.5

    About Plymouth Rock Car Insurance

    Founded: 1982
    Parent company: Plymouth Rock Group of Companies
    States available: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania
    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.

    Available in only a handful of states in the Northeast, 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.

    Other Recommendations For Car Insurance

    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.

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    Geico: Best Overall Provider

    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 an A++ rating from AM Best and a A+ rating from the BBB, indicating that the company is reliable and has the financial stability for insurance claims. We named Geico the Best Overall Provider for auto insurance in our review of the top insurance companies nationwide.

    You can learn more about the provider in our full Geico insurance review.

    State Farm: Best For Student Drivers

    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 4.5 out of 5.0 based on its cost, coverage options, discounts, and reputation.

    Read our State Farm insurance review for more information.

    Plymouth Rock Car Insurance FAQ

    • Is Plymouth Rock a good insurance company?

      Plymouth Rock has excellent financial strength and is well respected in the industry, but the company has mixed reviews from customers who have experienced below-average customer service satisfaction.

    • Does Plymouth Rock have a grace period?

      Yes. Due to COVID-19, there are certain states where Plymouth Rock is available that are offering a grace period between 60 and 90 days for premium payments. This grace period is for those who are experiencing financial hardship because of the pandemic.

    • Is Plymouth Rock expensive?

      Plymouth Rock isn’t the most expensive company on the market, but it’s not the cheapest either. Your average premium will vary depending on your driving record, credit score, age, and location.

    • Will Plymouth Rock help me find a repair shop?

      With Plymouth Rock, you have the ability to choose any licensed repair shop, and the company has a repair shop finder tool on its website. In some states, there is also a referral shop program that entitles you to guaranteed repair coverage if you select one of the listed shops.

    How We Rate Insurers

    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 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.