Plymouth Rock Auto Insurance Review: The Best Option in 2025?

Plymouth Rock offers affordable car insurance, various coverage packages, and plenty of discounts. That makes Plymouth Rock a solid option for drivers in the six states in which it operates.

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J.J. Starr
Written byJ.J. Starr
J.J. Starr
J.J. StarrInsurance Writer

J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.

Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.

J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.

Matthew Gross
Edited byMatthew Gross
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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Plymouth Rock Assurance logo
User Reviews
3.4
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
NR
3.4
A solid optionBased on 8 verified guest reviews and ratings
How drivers feel about Plymouth Rock Assurance

Drivers appreciate the fairness and lack of issues but dislike the unexplained premium increases and multiple monthly bills.

AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Plymouth Rock Assurance

Drivers appreciate the fairness and lack of issues but dislike the unexplained premium increases and multiple monthly bills.

AI-generated from the text of verified reviews collected by Compare.com
Reviews (6)
Bernadette
Verified Review
Cancelled for Missing Payments
Reviewed in New Jersey on February 2025
I felt discriminated against because I missed one or two auto payments and was cancelled over $63.
Paul
Verified Review
No Lower Rate for Under 50 Miles Per Day?
Reviewed in New Jersey on February 2025
In New Jersey, there are supposed to be lower rates for cars driven less than 50 miles per day. However, my driving distance decreased but my rate increased.
Renee
Verified Review
Fair
Reviewed in New Jersey on February 2025
They are not inexpensive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.29
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Plymouth Rock covers only a handful of Northeast states, and customers report mixed experiences. But the company offers broad coverage options and great policy management tools.

Pros
  • Accident forgiveness available

  • Convenient claims handling

  • Roadside assistance, rental coverage, and taxi reimbursement available

Cons
  • Coverage only available in six states

  • Many customer complaints in NY and NJ[1]

  • Lower-than-average customer satisfaction rating[2]

Plymouth Rock offers strong coverage options and bundled policy packages, delivering value to drivers with a variety of needs. The company has a convenient claims process, with benefits like mobile appraisals and door-to-door repair drop-off.

But while Plymouth Rock’s premiums are often cheaper than average, sometimes they’re not the cheapest option. The company also has low customer satisfaction ratings and a high number of complaints in some regions.

We’ll tell you everything you need to know about Plymouth Rock car insurance to help you decide whether it makes sense for you.

Is Plymouth Rock a Good Choice for Auto Insurance?

To help you decide if Plymouth Rock is right for you, we rated it across five key categories: cost, customer satisfaction, policy management, availability, and industry reputation. Each score is on a five-point scale.

Category
sort ascsort desc
Score
sort ascsort desc
Cost4/5
Customer satisfaction3.5/5
Policy management4.8/5
Availability3.3/5
Industry reputation3.3/5
Overall Score4.18/5
  • Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.

    We grade each factor on a weighted five-point scale to determine an insurer’s propriety Compare.com Rating, which highlights its overall standing among the industry’s best companies.

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Plymouth Rock Assurance vs. The Competition

Plymouth Rock Assurance logo
State Farm logo
Progressive logo
GEICO logo
Allstate logo
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$0/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$83/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$137/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$116/mo*
Average Premium
Prices based on average across state-minimum and full coverage car insurance
$105/mo*
Overall Rating
3.4
Overall Rating
3.9
Overall Rating
3.2
Overall Rating
4.0
Overall Rating
3.5
Value
3.2/5
Value
4.1/5
Value
3.3/5
Value
4.2/5
Value
3.8/5
Customer Service
3.7/5
Customer Service
4.4/5
Customer Service
3.6/5
Customer Service
4.3/5
Customer Service
4.1/5
Claims Handling
3.2/5
Claims Handling
3.9/5
Claims Handling
3.3/5
Claims Handling
3.9/5
Claims Handling
3.5/5
Special Highlight
AI-generated from 6 user reviews
N/A
Special Highlight
AI-generated from 292 user reviews
N/A
Special Highlight
AI-generated from 267 user reviews
N/A
Special Highlight
AI-generated from 239 user reviews
N/A
Special Highlight
AI-generated from 160 user reviews
N/A
We sourced the data in this table from Compare.com users who indicated they're existing customers of the insurers you see here.

Where Plymouth Rock stands out

Plymouth Rock offers rare car insurance perks, like door-to-door claims service and taxi reimbursement, to keep you safer on the road. You’ll also find accident forgiveness, pet protection, glass coverage, and more. Plus, you can bundle your auto policy with homeowners or renters coverage.

Where Plymouth Rock falls short

Plymouth Rock’s biggest drawback is its limited coverage area. It’s available in only a handful of states in the Northeast.

Customers report mixed experiences with the company, with more complaints than average in New York and New Jersey. Its coverage options can also make choosing your policy confusing.

Plymouth Rock Reviews: What Real Customers Are Saying

Checking reviews is one of the best ways to gauge the overall customer experience with an auto insurance company. Customer reviews offer insights into claims handling, the billing process, common issues, and how the company responds to and resolves complaints.

Below, you’ll find feedback from real Compare.com customers with Plymouth Rock car insurance policies, giving you a better idea if it’s the right company for you.

Bernadette
Verified Review
Cancelled for Missing Payments
Reviewed in New Jersey on February 2025
I felt discriminated against because I missed one or two auto payments and was cancelled over $63.
Paul
Verified Review
No Lower Rate for Under 50 Miles Per Day?
Reviewed in New Jersey on February 2025
In New Jersey, there are supposed to be lower rates for cars driven less than 50 miles per day. However, my driving distance decreased but my rate increased.
Renee
Verified Review
Fair
Reviewed in New Jersey on February 2025
They are not inexpensive.
Luz
Verified Review
Expensive
Reviewed in New Jersey on February 2025
The premiums are increasing for no apparent reason.

Plymouth Rock Auto Insurance Coverages

Plymouth Rock offers customizable auto insurance coverage, including:

  • Liability coverage: This coverage pays for injuries or property damage you cause in an accident.

  • Personal injury protection: PIP covers medical costs and lost wages after an accident.

  • Comprehensive and collision coverage: These coverages pay for vehicle damage resulting from things like theft, crashes, or weather.

  • Roadside assistance: Roadside assistance covers services like towing, lockouts, and jump‑starts.

  • Rental coverage: Rental coverage helps pay for a rental car while yours is repaired.

  • Telematics program: Safe driving can save you money with YUBI, Plymouth Rock’s telematics program.

  • Rideshare endorsements: This coverage offers additional protection if you’re a rideshare driver.

  • Glass coverage: With glass coverage, you won’t have to pay a deductible for glass-only claims.

  • Deductible waiver: Plymouth Rock will waive your deductible in certain cases.

  • New car replacement: If you total your car, you can get a replacement that’s two years old or newer.

  • Gap coverage: Gap insurance pays your loan balance if you total your car.

Plymouth Rock Assurance packages explained

Plymouth Rock’s Essential Assurance package comes standard, offering on-site appraisals, repair pick up, and a taxi benefit. The company also offers additional coverages, including identity theft protection, accident forgiveness, and pet coverage.

Coverages differ by state, so check what’s available in your area.

Plymouth Rock Car Insurance Discounts

Discounts are one of the most effective ways to lower your car insurance costs. Plymouth Rock offers more than a dozen ways to save, including:

  • Safe driver: Lower your insurance rates by maintaining a clean driving record.

  • Telematics: Earn lower premiums by using the mobile app to track your safe driving habits.

  • Bundling: Save money by combining your auto insurance policy with other products, like homeowners or umbrella insurance.

  • Affiliation: Plymouth Rock offers discounts to specific employers, alumni associations, and professional groups.

  • Good student: Full-time students with good grades may qualify for lower rates.

  • Paid-in-full: Save money by paying your policy in full at the start of the term.

  • E-sign and paperless: You can get a discount for signing documents electronically and choosing paperless billing.

  • Roadside assistance: Adding roadside assistance to your policy may qualify you for lower rates.

Filing a Claim With Plymouth Rock

Hands typing on a laptop keyboard on a wooden table, with a white coffee cup in the background.

Plymouth Rock allows you to file and manage a claim online, through the mobile app, or by phone. Here’s how:

  • Gather necessary info. You’ll need a detailed summary of what happened, including photos of the damage. Make sure to get a copy of the police report if you file one.

  • Submit your claim. You can file your claim online, through the mobile app, or by calling Plymouth Rock customer service. You’ll need to provide your policy details and information about the accident.

  • Assess the damages. Have a mobile appraiser come to you or visit a repair shop in Plymouth Rock’s preferred network to inspect the damage.

  • Resolve your claim and receive payment. Plymouth Rock will finalize the claim once it approves deductibles, coverage limits, and repairs. Payments will be made to you or the repair shop.

More About Plymouth Rock Assurance

Here’s a snapshot of Plymouth Rock’s company profile, from its founding and service area to the customer service number and its top competitors.

Founded1982
Available inCT, MA, NH, NJ, NY, PA
Owned byPrivately held company
Mobile appAndroidiOS
Customer service1 (800) 437-5556
Claims

1 (833) 511-ROCK (7625)

Text “Claims” to 22022

Primary competitorsAllstateErieNJMTravelers

Plymouth Rock’s YUBI telematics program

Plymouth Rock’s YUBI telematics program rewards safe driving with discounts of up to 29%. The mobile app tracks your braking, speed, and mileage, and driving safely can save you money. Discounts can vary by state, so check how much you can save in your area.

Road Rewards program

The Road Rewards program turns safe driving into redeemable points. Plymouth Rock tracks safe driving behaviors through the mobile app and awards points that you can exchange for gift cards.

Pledge of Assurance and Plymouth Rock Garage

Plymouth Rock’s Pledge of Assurance guarantees customer satisfaction by offering benefits like free policy cancellation if your service doesn’t meet your expectations. Plus, the Plymouth Rock Garage gives you discounts on car maintenance and repairs.

Plymouth Rock’s other insurance offerings

While Plymouth Rock is best known as a regional auto insurance company, it offers several other insurance products that you can bundle together for added savings.

Here are some of the other coverages Plymouth Rock offers:

  • Homeowners insurance: Homeowners coverage protects against property damage, liability coverage, and personal property losses.

  • Renters insurance: Renters insurance covers personal belongings and injury liability. It can also pay for additional living expenses if your rental becomes uninhabitable.

  • Condo insurance: Condo coverage offers protection for property damage and injury liability.

  • Umbrella insurance: Umbrella insurance gives you more financial protection with higher liability coverage limits beyond a standard insurance policy.

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Plymouth Rock Auto Insurance FAQs

Below are answers to some of the most common questions drivers ask about Plymouth Rock car insurance.

  • It depends. Plymouth Rock has affordable rates and unique coverage options. But the company has mixed customer reviews and ratings, with some praising coverage options and roadside assistance, while others note issues with claims handling.

  • Plymouth Rock Assurance offers relatively affordable car insurance rates. It averages $74 per month for basic liability insurance and $134 per month for full coverage, according to Compare.com data.

  • It depends. Plymouth Rock insurance rates vary due to many factors, including state regulations, local risks, and coverage limits. Your driving record, deductible, and claims history also affect your premiums.

  • It depends. There isn’t one car insurance company that’s best for everyone. The right choice depends on your budget, coverage needs, and customer service expectations.

  • It depends. GEICO sometimes offers lower insurance rates than Plymouth Rock, but how much you pay depends on your driving record, coverage options, credit, and more. Plymouth Rock may be more affordable for certain drivers.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. National Association of Insurance Commissioners. "Consumer Insurance Refined Search Results."
  2. J.D. Power. "2025 U.S. Auto Insurance Study."
J.J. Starr
J.J. StarrInsurance Writer

J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.

Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.

J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.

Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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