Plymouth Rock Insurance Review

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.

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.

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:

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.

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.

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:

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’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—0.49.¹ That’s a great sign!

A less-than-ideal result came from J.D. Power’s 2024 U.S. Auto Insurance Study. Plymouth Rock earned 619 out of 1,000 points in the Mid-Atlantic region, lower than the regional average by 35 points. In New England, Plymouth Rock received 616 points which is 21 points lower than the average of 637.²

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.

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 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

At AutoInsurance.com, we assess auto insurance companies on four key factors:

• Price (40%): We analyze average premiums for full and minimum coverage for various driver profiles, including drivers with clean records and good credit, as well as drivers with DUIs, accidents, or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): We evaluate claims practices through independent sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
• Customer Experience (25%): We evaluate the ease of the customer journey—from receiving a quote, to buying a policy, to making adjustments or accessing important documents. We consider the availability and quality of online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.