Plymouth Rock Car Insurance Reviews
Our experts’ in-depth review of Plymouth Rock car insurance pricing, coverage, and customer service can help you see if it’s a good choice for you.
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Plymouth Rock Assurance 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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Plymouth Rock Insurance Review: 3.5 Stars
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.
| Cost | 3.5 |
| Coverage | 4.0 |
| Reliability | 3.0 |
| Service | 3.0 |
| Overall Rating | 3.5 |
Plymouth Rock Auto Insurance Coverage
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.
| 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’re 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) coverage takes care of 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. |
| Underinsured/Uninsured Motorist | Underinsured/uninsured motorist coverage pays for damages to your vehicle if you’re hit by another driver who does not have insurance or doesn’t 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 (once per year). 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’ll have access to 24/7 roadside service with Plymouth Rock. |
| 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 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:
| 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 | ✓ |
Plymouth Rock Auto Insurance Cost
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.
| Age | Annual Cost Estimate |
|---|---|
| 16 | $11,298 |
| 17 | $9,335 |
| 18 | $7,972 |
| 19 | $6,552 |
| 21 | $5,390 |
| 25 | $3,861 |
| 30 | $3,517 |
| 40 | $3,155 |
| 45 | $3,031 |
| 50 | $2,839 |
| 55 | $2,715 |
| 65 | $2,809 |
| 75 | $3,614 |
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.
| Traffic Violation | Annual Estimate for High-Risk Drivers |
|---|---|
| Speeding Tickets | $4,221 |
| Recent Accidents | $4,291 |
| DUI Convictions | $4,504 |
*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.
| 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 |
*Only available for policyholders in New Jersey and Pennsylvania.
Plymouth Rock Insurance 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 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.
Plymouth Rock Insurance Customer Reviews
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 StudySM 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
Plymouth Rock Customer Satisfaction
In August of 2022, our team conducted a survey for car insurance customers. Of the 7,000 that responded, only a very small percentage had a policy with Plymouth Rock Assurance. The customers were asked to rate their experiences with different factors of Plymouth Rock’s car insurance on a scale from 1.0 to 5.0.
Plymouth Rock did very well across all categories. The table below shows the average in the ratings out of 5.0 points each:
| Rating Category | Rating |
|---|---|
| Overall satisfaction | 4.1 |
| Affordability | 3.5 |
| Coverage | 4.4 |
| Customer service | 4.3 |
| Claims service | 4.3 |
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
Plymouth Rock Car Insurance: Conclusion
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.
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.
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Plymouth Rock Car Insurance: FAQ
Is Plymouth Rock a good insurance company?
What states have Plymouth Rock Insurance?
Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania are the states with Plymouth Rock Insurance.
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. The average cost of a full-coverage policy at Plymouth is $3,293 per year for a 35-year-old with good credit and a clean driving history.
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 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.