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Plymouth Rock Car Insurance Review

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Are you looking to avoid insuring your car with a large insurer? Always look out for regional insurance companies that may provide you with policies having better rates. Plymouth Rock Assurance is one such regional insurance company that can offer some good packages for you. It offers insurance packages in six northeastern states - New York, Connecticut, New Jersey, Massachusetts, New Hampshire, and Pennsylvania.

Though the company is limited to these six states and has a smaller customer base, it offers impressive car insurance coverages and discounts that contend with other major insurers.If there’s protection you’re looking for, Plymouth Rock probably has it. Its insurance packages include many extras, ranging from the basic Essential Assurance to the highest Assurance Premier. The policyholders will getexclusive benefits, like mobile claims service, one-time cab fare coverage, and four levels of auto insurance coverage.

You can further customize the policies by using some additional optional protections available. We have details on the Plymouth Rock car insurance claims process, packages, and other features. Then we’ll compare it to the best auto insurance companies. While shopping for coverage, we recommend getting insurance quotes from multiple providers so you can compare coverage and insurance rates. Also, your age,vehicle make and model, and driving history can all affect your premium.

Pros and Cons


  • Discountsare available for safe driving, bundling, multiple cars, and good students
  • Has special coverages like original equipment manufacturer (OEM) and glass deductible modification
  • The insurance package gets automatically upgraded to Assurance Plus after three years
  • Quotes procedures are simple
  • Good financial strength


  • Only available in six states
  • Higher insurance rates
  • Auto insurance rates for drivers in their 20s, 40s, 50s, and 60s are higher than the national average
  • Drivers with speeding tickets and at-fault accidents need to pay more
  • No discount is available for anti-theft systems, paperless, defensive driving, pay-in-full,or airbags

Unique Plymouth Rock Car Auto Insurance Features

The insurance company has the following features.

Unique Features What does it do
Accident forgiveness It removes the cost surge associated with a single at-fault accident.
Glass coverage It removes or reducesthe deductible on a comprehensive glass-only claim. You will get this coverage if a rock cracks your windshield.
Deductible waiver The deductible for collision coverage gets removed under particular conditions.
Gap coverage It pays the difference between your car’s value and what you owe while getting destroyed in a collision.
New car replacement Provides coverage for accidents while you work as a rideshare driver.
Rideshare coverage It pays for the whole replacement if your car gets destroyed or stolen within the first two years of purchase.
Roadside assistance It covers the cost of a tow or other roadside assistance, like extra gas.

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Plymouth Rock Car Auto Insurance Coverages

You can get the following kinds of auto insurance with Plymouth Rock Car Insurance. Collision coverage

  • Comprehensive
  • Collision
  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Medical payments
  • Uninsured/underinsured motorist

To know in detail about the various types of auto insurance coverage, check

You automatically get enrolled in the Essential Assurance package when you buy a policy from Plymouth Rock. You will get an upgrade to the Assurance Plus package if youhave had Plymouth Rock car insurance for three years or belong to a motor club. Even if you didn’t upgrade to Assurance Plus, you could upgrade the package to Assurance Preferred or Assurance Premier.Essential Assurance coverage options consist of the following.Your collision deductible is waived under Assurance Plus if you get hit by another Plymouth Rock driver only.

  • Crashbusters
  • Door-to-door valet claims service
  • Guaranteed repairs
  • Online services
  • Get Home Safe
  • Pledge of Assurance

You can also enhance the insurance plan by adding the following coverage options.

  • Accident forgiveness
  • $100 glass deductible
  • New car replacement
  • Full glass coverage
  • Loan/lease gap coverage
  • Waiver of deductible

Plymouth Rock Car Auto Insurance Rates

Plymouth Rock car insurance quotes are not that inexpensive compared to other major insurers. Our research found that a 30-year-old driver in Boston will need to pay around $1,370annually for a basic policy or $3,818 per year for full coverage. These Plymouth Rock car insurance quotes are more expensive than the average among Massachusetts insurers and more than double as expensive as the cheapest options.

Plymouth Rock Car Rates for Teen Drivers

Teen drivers always pay high premiums regardless of the insurer. Though the Plymouth rates are expensive for teen drivers, it is less than the national average.

Age Bracket and Gender Average annual premium
<18 or 18-year-old driver $4,026

Plymouth Rock Car Insurance Rates by Coverage

Type of Drivers Average annual premium
Drivers with a speeding ticket $2,298
Drivers after an at-fault accident $2,334
Drivers with a DUI $2,394

Plymouth Rock vs Competitors – Average Annual Rate

Insurer Minimum coverage Full coverage
Plymouth Rock $1374 $3822
Safety $484 $1433
Geico $604 $1752
Arbella $846 $2572
Progressive $1005 $2351

Plymouth Rock Car Auto insurance Discounts

You can take advantage of some standard car insurance discounts if you plan to switch to Plymouth Rock for your next auto policy. The discounts differ by state, so some states may have fewer discounts than others. These are some discounts given based on the driver or vehicle.

  • Bundling
  • New driver
  • Multi-car
  • Anti-theft devices
  • Driver training
  • Safe driver
  • Away at school
  • Good student
  • Driver improvement
  • Five-year claim-free

Plymouth Rock Car Insurance Customer Feedback and Satisfaction Report

Our research found that Plymouth Rock Car Insurance has average reviews from customers.Plymouth Rock home insurance seems to have better reviews than auto insurance.The negative reviews frequently highlight Plymouth Rock Car insurance claims process and coverage denial problems.Several customers also complained that the company increased their premiums without any reason. Summary

Plymouth Rock Car Insurance offers unique coverage options and discounts that compete with the insurance market’s major players.The Plymouth Rock Car insurance quotes are not cheap compared to other major insurers. Financial strength is another factor that gives an advantage to Plymouth Rock insurance. You can customize the policies further by utilizing some of the additional optional protections available.

Plymouth Rock has an app that the driverscan use on their mobile devices to view insurance cards,report claims, pay bills, locate a repair shop, and change payment plans. However, we found that most of the drivers cannot do these. Some customers also claimed that the app would not register a payment plan change or allow them to pay their bills.

Plymouth Rock Assurance has an A+ rating from the BBB despite some negative feedback.AM Best has given Plymouth Rock Assurance an A- rating for financial strength. The company considers the rating as encouraging for a smaller company.Plymouth can be a good choice as it offers good packages with many add-ons compared to other major insurers. However, consider Plymouth Rock Car insurance claims process and coverage denial problems before deciding on one.

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A Brief History of Plymouth Rock Car Insurance

Jim Stone founded the Plymouth Rock Assurance in 1982 in Massachusetts, providing property and casualty insurance in several states. Plymouth Rock is a group of companies that work together as many other car insurance companies. The company’s other affiliates include:

  • Pilgrim Insurance Company
  • Palisades Insurance Company
  • Teachers Auto Insurance Company of New Jersey
  • Twin Lights Insurance Company
  • Washington Assurance Corporation
  • High Point Property and Casualty Insurance Company

Depending on the state, Plymouth Rock also offers homeowners insurance, commercial insurance, renters insurance, umbrella insurance,and other products.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Is Plymouth Rock Car insurance good?

Plymouth Rock providesa good range of optional coverages, but the policy rates are expensive. You can go for Plymouth if you need specific coverage that other insurers don’t have. Else, we recommend getting policy quotes from otherinsurers so you can compare insurance coverage andrates.

What states does Plymouth Rock insurance cover?

You can get Plymouth insurance in New York, Connecticut, New Jersey, Massachusetts, New Hampshire, and Pennsylvania.

Does Plymouth Rock auto insurance cover rental cars?

Yes. The insurance covers rental cars from the Assurance Plus package.

How to cancel Plymouth Rock insurance?

You can cancel Plymouth Rock insurance policies by calling the company’s customer service number, which varies based on your location. Visit the company’s contact page to find out which number to call. You will get a refund of unused premiums if you cancel your policy before expiry.

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