Plymouth Rock Insurance Review: A Good Choice for Car Insurance?

Plymouth Rock Assurance offers customizable car insurance policies with an average monthly rate of $104.

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Plymouth Rock Rating ?


  • Competitive auto insurance rates
  • Offers gap insurance
  • Personalized coverage options available


  • Only available in six states
  • Simple, outdated website
  • Below-average J.D. Power ratings

Bottom Line

Plymouth Rock is a great option for New England drivers who prioritize strong customer service and competitive rates. But it isn’t the best option if you’re looking for robust digital tools, widespread availability, or bottom-dollar pricing.

Plymouth Rock Assurance is a regional insurance company offering auto policies to customers in certain Northeastern states. In addition to providing standard auto coverage, the company offers options like accident forgiveness, new car replacement, and gap insurance — a rarity for an insurer of its size.

Plymouth Rock may be a smaller auto insurer, but its unique benefits allow it to compete with much larger companies. For example, if you’re in a car accident, Plymouth Rock will come to you to inspect your damaged vehicle. And you can take advantage of an annual $50 cab fare coverage to get you home in a pinch.

But no single company is right for everyone, so it’s important to weigh the pros and cons when picking your next insurer. We’ll cover everything you need to know about Plymouth Rock — from pricing to customer satisfaction, and everything in between — in the sections below.

Is Plymouth Rock a Good Choice for Car Insurance?

Category Score
Cost 4/5
Customer Satisfaction 4/5
Ease of Use 4.8/5
Availability 3.3/5
Industry Reputation 3.3/5
Overall Score* 4.33/5
*Company ratings for each category are determined by our editorial staff. You can find more information on our unique scoring methodology at the bottom of this article.

Plymouth Rock is a solid choice for auto insurance, assuming you live in one of the six states where the insurer operates. The company has mostly favorable customer reviews, a wide variety of coverage options, and several discounts you can take advantage of.

It also boasts an extremely low number of customer complaints compared to the national average, as well as an A- rating from AM Best, which indicates it has the financial strength to pay out its claims.

Where Plymouth Rock stands out

Plymouth Rock stands out for its customizable coverage options and unique policy benefits. And the company has a network of local insurance agents, which is ideal for anyone who prefers personalized, one-on-one support.

Where Plymouth Rock falls short

Plymouth Rock’s digital tools aren’t as robust as what you’ll find with a more well-known insurer like GEICO or State Farm. And since the company is available in only six states, it’s not an option for most drivers.

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Plymouth Rock Assurance Customer Reviews

Plymouth Rock customers file far fewer complaints than policyholders with most companies. In fact, it received a Company Complaint Index score of just 0.53 from the National Association of Insurance Commissioners (NAIC) — significantly better than average for a company its size. But those scores are somewhat offset by a below-average J.D. Power Customer Satisfaction Index ranking — more than 20 points below the regional average.

Online customer reviews are somewhat of a mixed bag — some customers seem happy with the service they’ve received from Plymouth Rock, while others were very dissatisfied.

For example, the Yelp reviewer below claims to have been with the company for four years and has had only positive experiences.

5-star customer review of Plymouth Rock Assurance

In comparison, this Trustpilot reviewer didn’t feel like the company provided much support when it came to walking them through the claims process and handling the necessary auto repairs.

1-star customer review of Plymouth Rock Assurance

How Much Does Plymouth Rock Insurance Cost?

It seems like customers are generally happy with the service they receive from Plymouth Rock, but you’re probably wondering how its rates stack up. Let’s take a look at what the average Plymouth Rock customer pays for both liability and full-coverage policies.

Company Liability Only Full Coverage
Plymouth Rock $74 $134
National average $65 $162

Plymouth Rock has an average monthly rate of $74 for liability insurance and $134 for full coverage, according to data. Its liability rates are around 14% higher than the national average, but Plymouth Rock boasts full-coverage rates that are nearly 20% cheaper than average.

Still, national average rates aren’t a great indicator of what you’ll pay since rates can vary depending on several factors, including your ZIP code, age, and credit history.

If you’re trying to evaluate the affordability of a car insurance policy, a better strategy is to compare it to competing policies. Using an insurance-comparison site is the easiest and fastest way to compare quotes from multiple companies at once.

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How do Plymouth Rock’s rates compare to competitors?

Plymouth Rock stacks up relatively well compared to national average rates, but you’re probably wondering how its average premiums compare to some of the bigger names in insurance. The table below showcases Plymouth Rock’s average rates against those from some of the best in the business, including GEICO, Progressive, and State Farm.

Company Liability Only Full Coverage
Plymouth Rock $74 $134
Erie $52 $112
GEICO $42 $97
NJM $74 $125
Progressive $72 $146
State Farm $60 $112

GEICO, Progressive, and State Farm are large national insurers with highly competitive rates. On the other hand, Erie and NJM are well-regarded regional insurance companies that compete with Plymouth Rock in states like New Jersey and Pennsylvania.

Plymouth Rock’s average full-coverage car insurance rates fall below the national average, but the company’s rates are one of the highest when compared to competing insurance companies.

GEICO tends to have the cheapest rates for both liability and full-coverage insurance — most likely because of the wide variety of discounts it offers to customers. Still, Plymouth Rock stacks up fairly well with other New England-based insurers. In fact, its average rates for liability policies match those from NJM — and it has cheaper average full-coverage rates than insurance giants like Progressive.

Plymouth Rock Average Rates by Age Group

Car insurance rates can vary widely depending on your age. In fact, your age plays one of the most substantial roles in determining how much you pay for car insurance.

The following table outlines what you can expect to pay with Plymouth Rock, based on your age group.

Age Liability Only Full Coverage
Teens (18 years old) $275 $474
Young adults (25 years old) $77 $144
Middle age (40 years old) $74 $135
Seniors (65 years old) $65 $132

Young drivers pay more for auto insurance because they’re less experienced behind the wheel and are more likely to be involved in a fatal car accident.

Once you reach age 25, your auto insurance rates begin to decrease, and this trend continues as you enter middle age.

Let’s take a closer look at how rates change with Plymouth Rock specifically.

Plymouth Rock rates for teens and young drivers

Car insurance rates are the highest for teens and young drivers. But once you reach age 25, your rates may drop substantially. For example, teen drivers pay an average of $474 per month for full-coverage insurance from Plymouth Rock.

Fortunately, this number drops to $144 per month once you reach age 25. And as you get older, your car insurance rates will continue to go down.

Plymouth Rock rates for seniors and retirees

Car insurance rates are the lowest for seniors, but middle-aged drivers can secure low rates as well. With Plymouth Rock, the average 40-year-old driver can expect to pay $74 per month for liability insurance and $135 for full coverage. And once you reach age 65, those average monthly rates go down even more, to $65 for liability coverage and $132 for full coverage.

Retirees tend to pay less for car insurance because they spend so much less time on the road. Plymouth Rock also offers a discount of up to 25% for senior drivers.

Plymouth Rock Average Rates by Driving Record

Your driving record is the most significant factor determining how much you pay for car insurance. We’ve broken down the average rates Plymouth Rock charges for different driving records in the table below.

Driving History Liability Only Full Coverage
Clean record $74 $134
Speeding ticket $86 $160
At-fault accident $83 $177
DUI $111 $198

As with most insurers, if you have a clean driving history, you’ll pay the lowest rates for car insurance. Your rates will increase if you cause an accident, receive a speeding ticket, or are caught driving under the influence.

Let’s take a closer look at how rates change with each incident.

Plymouth Rock rates after a speeding ticket

If you receive a speeding ticket, your insurer will see you as riskier to insure. In fact, you can expect to see your insurance increase by an average of 37%, according to data. Fortunately, you can still save on insurance by increasing your deductible or shopping around and comparing quotes.

Plymouth Rock rates after an accident

If you cause a car accident, you can expect your car insurance rates to increase by 44%, according to our analysis. But if you signed up for accident forgiveness with Plymouth Rock, the company will waive your first accident.

And if you don’t have accident forgiveness, you can still save by taking a defensive driving course.

Plymouth Rock rates after a DUI

If you’re caught driving under the influence, you can expect to see your car insurance rates increase by 94%, according to data. And those increased rates will likely follow you for several years, depending on where you live.

The best way to save on auto insurance after a DUI is by comparing quotes from different insurers or switching to a liability-only policy (if you own your car outright).

Get Cheaper Car Insurance, Regardless of Driving Record

Plymouth Rock Average Rates by Credit Score

Age and driving record are obviously two of the most influential factors affecting your car insurance rates, but you may not realize that your credit history plays a role, as well.

Some insurers believe that drivers with bad credit are more likely to file an insurance claim — so if you have a history of poor credit, you can expect to pay more for car insurance.

Here’s how much Plymouth Rock rates change depending on your credit score, according to data.

Credit Score Liability Only Full Coverage
Excellent $51 $92
Good $74 $135
Average $91 $170
Poor $317 $618

Like with most companies, drivers with poor credit pay the most for car insurance with Plymouth Rock. You’ll pay an average monthly rate of $317 for liability insurance and $618 for full-coverage car insurance if you have a poor credit score.

Fortunately, the company’s average rate drops substantially — more than 70% — for drivers with average credit. So if you’ve struggled to pay your bills on time in the past, the best way to lower your car insurance rates is to work on your credit.

Plymouth Rock Car Insurance Discounts

Taking advantage of discounts is one of the easiest ways to reduce the cost of car insurance. Plymouth Rock offers these discounts to its policyholders:

  • Advanced shopper: If you sign up for a new policy within two days of receiving a quote, you’ll receive an 8% discount.
  • Anti-theft: If your car has anti-theft devices, you could receive a discount between 5% and 25%.
  • Away at school: If you have a young driver who’s attending school away from home and not using their car regularly, you could receive a 10% discount.
  • Driver training: Anyone who takes a qualified driver training program can receive a 10% discount.
  • Good student: If your young driver maintains a B average in school, they’ll receive a 10% good student discount.
  • Paid-in-full: If you choose to pay your policy in full, you’ll receive a 4% discount.
  • Motor club discount: If you or your spouse is a member of an approved motor club — such as AAA, OnStar, or Auto Club of America — you’ll receive a 5% discount.

Plymouth Rock’s Available Car Insurance Coverages

Here are some different auto insurance coverage types Plymouth Rock offers:

Purchasing a Car Insurance Policy from Plymouth Rock

I found the car insurance quote process from Plymouth Rock Assurance to be fairly easy. You can receive an online quote and purchase a policy 100% online — the application process takes less than five minutes.

You’ll start by entering your personal information — such as your age, address, and marital status.

Screenshot of Plymouth Rock Assurance quote questionnaire requesting basic personal information

Plymouth Rock doesn’t ask for any information about your driving history, but the company will request your driving records, claims history, and credit score during the verification process. If you want to insure a spouse or other family member, you can add their information during the application process as well.

Screenshot of Plymouth Rock Assurance quote questionnaire requesting driver names and info

You’ll also have to provide information about your vehicle and how you use it. For example, you’ll have to explain whether it’s solely for personal use or if you use the car as part of a rideshare service like Uber. You’ll also include whether you own or lease the car and any safety features the car has.

Screenshot of Plymouth Rock Assurance quote questionnaire requesting vehicle information Screenshot of Plymouth Rock Assurance quote questionnaire requesting additional vehicle details

Finally, the company gives you the opportunity to see any discounts you qualify for.

Screenshot of Plymouth Rock Assurance quote questionnaire requesting discount info Screenshot of Plymouth Rock Assurance quote questionnaire requesting discount info

Before you finish your quote, Plymouth Rock lets you pick the level of coverage you want between three easy-to-understand categories — “more affordable,” “popular coverage,” and “more coverage.”

Screenshot of Plymouth Rock Assurance quote questionnaire explaining coverage choices

I found this helpful since it personalizes your coverage based on your needs. For example, if you want to meet the minimum car insurance requirements and save as much as possible, you can choose the more affordable option. On the other hand, drivers who are primarily concerned about maximizing their coverage can choose one of the other two options.

Reviewing Plymouth Rock Customer Service

I called Plymouth Rock’s customer service department on a Monday afternoon and spoke to an agent almost immediately. The company’s chat feature on its website is similarly responsive — it answered my questions right away.

Still, reviews of Plymouth Rock’s overall customer service were mixed. For example, some customers complained that their rates suddenly increased and they weren’t told why.

1-star customer review highlighting issues with Plymouth Rock Assurance customer service

But other customers outlined positive experiences with Plymouth Rock. Several happy customers — such as the review below — outline great customer service and great rates.

5-star customer review highlighting Plymouth Rock Assurance ease of use and friendly customer service

Filing a Claim with Plymouth Rock

Plymouth Rock offers four ways to file a claim. You can visit the online claims center, use the company’s mobile app, call the claims department, or have your independent agent file a claim for you.

After you file your claim, the company will assign you a claims representative who will gather information, explain your options, and schedule an appointment to inspect your vehicle. From there, you’ll receive a repair estimate, take the vehicle to the repair shop of your choice, and if your claim is covered, receive payment.

I read through several Reddit threads and online reviews discussing the company and what it was like to file a claim, and I found that most customers described positive experiences. For example, this customer had a positive experience with a claims adjuster after totaling their vehicle — receiving a check for the damage in less than a week.

5-star customer review praising Plymouth Rock Assurance claims processing

Bottom Line: Is Plymouth Rock Car Insurance Right for You?

If you live in one of the six states where it’s available, Plymouth Rock is definitely worth considering. The company is a good option for anyone who wants personalized coverage and a combination of one-on-one and online support.

Still, you may be able to find cheaper rates by choosing a larger insurer like GEICO or State Farm. Your best bet is to shop around and compare quotes from as many insurers as possible.

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More About Plymouth Rock Assurance

Founded 1982
Available in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania
Ownership Privately owned
National average auto premium $104 per month
Mobile app Android, iOS
Customer service 1 (800) 437-5556
Claims 1 (800) 437-5556
Primary competitors GEICO, NJM, Progressive

Plymouth Rock Road Rewards

Road Rewards is Plymouth Rock’s safe driving program. You can enroll in the program online and download the free mobile app to get started. As you use the app and demonstrate safe driving behaviors, you’ll earn points you can redeem for Amazon, Apple, or Spotify gift cards.

Best of all, the program won’t affect your premiums, and you’re free to opt out at any time. The app received an average rating of 4.4 out of 5 stars in the Google Play Store and 4.8 out of 5 stars in the App Store.

Other Plymouth Rock insurance products

Plymouth Rock offers several other types of insurance in addition to car insurance. This makes the company a good option for anyone looking to bundle multiple insurance policies. Here are the other insurance options you have to choose from:

  • Commercial auto insurance
  • Motorcycle insurance
  • Motorhome insurance
  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Flood insurance
  • Umbrella insurance
  • Term life insurance
  • Pet insurance

Plymouth Rock Auto Insurance FAQs

Selecting a car insurance company is a big choice and something that shouldn’t be taken lightly. With so many different car insurance companies to choose from, it’s hard to know which is the right choice for you. Here’s some additional information about Plymouth Rock that could help inform your decision.

Is Plymouth Rock a reputable insurance company?

Yes, Plymouth Rock is a reputable insurance company and has been around for over 40 years. The company is a small regional insurer, but it holds its own against nationwide insurers like Progressive and GEICO.

Is Plymouth Rock cheaper than GEICO?

No, GEICO is a cheaper option for liability and full-coverage car insurance, based on each company’s average rates. GEICO also offers more discounts than Plymouth Rock.

Is Plymouth Rock good at paying claims?

Yes. Plymouth Rock received an A- rating from AM Best, which means the company has strong financials and an excellent ability to pay out claims.

Data Methodology:

Data scientists at 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.’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 quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Rating Methodology:’s mission is to help our readers make more informed decisions when it comes to their personal finances. Our editorial staff has crafted a proprietary, objective rating formula — the Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers. The score you see referenced in this article is based on several factors, including:

  • Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
  • Customer Satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
  • Ease of Use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
  • Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
  • Industry Reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best financial strength rating, BBB accreditation, and other related factors.


  1. AM Best, “Plymouth Rock Assurance,” Accessed February 19, 2024.
  2. J.D. Power “2024 U.S. Auto Insurance Study,” Accessed February 19, 2024.
  3. National Association of Insurance Commissioners, “2019/2020 Auto Insurance Database Report,” Accessed February 19, 2024.

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