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Plymouth Rock Car Insurance Review 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Here's what Jerry users say about Plymouth Rock
Plymouth Rock Reviews
Great Prices
Easy to use website
Good Discounts Available
Customer Service
Loyalty & Rewards Program
Easy to use app
Process Transparency
Flexible Plan Structures
104 customer reviews
Plymouth Rock is a regional provider of car insurance in the northeastern U.S. Going with a regional provider can be a great option for many drivers, but can Plymouth Rock provide the coverage you need?
Many believe the best way to access the best coverage options is to go with a larger, national car insurance company, but that’s not always the case. In fact, smaller insurance providers can sometimes offer more personalized protections than their larger counterparts. But with so many options, how can you be sure you’re getting the best possible options? By shopping with Jerry, that’s how! 
Jerry is a licensed insurance broker that partners with more than 55 top providers to find you the best rates from companies like Plymouth Rock in just 45 seconds. So if you’re considering car insurance options from Plymouth Rock, be sure to check out our review of Plymouth Rock car insurance before you make your decision. 

Plymouth Rock auto insurance overview

Plymouth Rock, or Plymouth Rock Assurance, was founded in Massachusetts in 1982 and is actually a group of affiliate companies that work under one umbrella. These companies include:
  • Mt. Washington Assurance Corporation
  • Palisades Insurance Company
  • High Point Property and Casualty Insurance Company
  • Teachers Auto Insurance Company of New Jersey
  • Pilgrim Insurance Company
  • Twin Lights Insurance Company
Plymouth Rock also purchased 21st Century’s New York Auto Insurance Business in 2018, which means many of their policies are underwritten by 21st Century Insurance. 
In addition to car insurance, Plymouth Rock offers homeowners insurance, renters insurance, umbrella insurance, and commercial insurance. Plymouth Rock Assurance earns an A- financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB). It also ranks tenth in the Mid-Atlantic region in J.D. Power’s 2021 U.S. Auto Insurance StudySM.
Despite glowing industry reviews, customer satisfaction is below average. Complaints tend to focus on longer-than-average claims processing times and premium increases.

Plymouth Rock pros and cons

Simple quotes processOnly available in 6 northeast states
A+ rating with the BBBLimited mobile app utility
Automatic Assurance Plus Package upgradesPoor customer reviews
Portions of earnings are donated to local Georgia and Florida charitiesDiscounts are difficult to locate

Plymouth Rock claim resolution time

Claim-resolution times can vary depending on the severity of the claim and numerous other factors, though most resolve within 30 days or less. 

How to get Plymouth Rock car insurance quotes

Plymouth Rock has a simple-to-use automated quote generator on its website that gives real-time pricing options in minutes. But if you want to ensure you’re getting the best coverage at the best price, you should compare rates from at least a few other providers. Don’t worry, we’re not suggesting you sit on the phone all day—just download the free Jerry app! When you shop with Jerry, we’ll present you with customized quotes based on your eligibility and budget in just 45 seconds!


The fastest way to file a claim with Plymouth Rock Assurance is to use their online filing system. Simply log into your account online or open your Plymouth Rock mobile app and tap “File a Claim” to begin the process.
You can also file a claim by phone by calling 1-800-437-5556, or you can send an email to claimssupport@plymouthrock.com
Plymouth Rock is a solid insurance company that offers a variety of coverage options at different levels. However, for well-qualified customers, other providers, such as Geico or State Farm, may offer better rates and more options. Whether you consider yourself a well-qualified customer or not, it’s always best to compare rates from several providers before settling on a policy, and there’s no better to do that than to shop with Jerry.
Plymouth Rock writes auto insurance policies in the following six states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.
New and existing customers can contact Plymouth Rock with questions about auto, motorcycle, or umbrella insurance by calling 1-800-437-5556 or emailing rockcare@plymouthrock.com
If you need to speak with a representative about homeowners insurance, you can call 1-844-208-1935 or email propertyservicing@plymouthrock.com
You can compare rates from Plymouth Rock with real-time quotes from over 55 other providers by downloading the free Jerry app. 

Plymouth Rock car insurance cost

Plymouth Rock claims to have some of the cheapest rates across the U.S., but let’s see how those rates stack up against actual premiums customers pay for minimum vs. full coverage.

What factors does Plymouth Rock look at?

Insurance companies love a good algorithm for setting your premiums, but every provider uses different information—and prioritizes that information differently, as well. 
Plymouth Rock’s auto insurance rates depend on a number of key factors, including:
  • Driving history
  • Age
  • Credit score
  • Type of vehicle
  • Location

Which Plymouth Rock customers get the best rates?

Plymouth Rock is a standard provider, so drivers with clean driving records and good credit scores tend to see better rates than those with accidents or violations in their histories or with poor credit scores.
Check out the table below to see how Plymouth Rock’s average rates compare with other major providers.
Before Jerry
After Jerry
Clean Record$3,339$2,321
Seat Belt$5,064$3,173
Illegal Turn$4,376$2,727
Improper Passing$3,952$2,555
Failure to Obey Traffic Sign$3,923$2,601
Speeding over 15$3,848$2,608
Cell Phone$3,811$2,617
Careless Driving$3,798$2,379
Wrong Way/Wrong Lane$3,560$2,305
Speeding under 15$3,509$2,334
Driving on Sus. License$3,322$2,137
Defective Equipment$3,312$2,132
Leaving scene of an Accident/Hit and Run$3,220$2,331
Open Container$1,680$740
See More

Plymouth Rock car insurance rates with violations

Plymouth Rock’s rates actually tend toward the high end, and this is especially true when it comes to drivers with violations on their records.
Want to see what kinds of rates Plymouth Rock can offer for drivers with violations? Check out the table below:
Driving InfractionAnnual Cost
Annual Savings With Jerry

Plymouth Rock car insurance cost with DUI

Plymouth Rock customers with a DUI conviction pay an average annual rate of 15.66% for car insurance. That’s an increase of 15.66% over the average rate without a DUI. 

Plymouth Rock car insurance cost with a speeding ticket

Plymouth Rock customers with a recent speeding ticket pay an average annual rate of 2.64% for car insurance. That’s an increase of 2.64% over the average rate without a ticket. Keep in mind that multiple speeding tickets—or a single ticket for speeding well over the speed limit—can raise your rate even more. 

Plymouth Rock car insurance rates by age

Teens are one of the highest-risk groups when it comes to insuring drivers. This is why rates for teens’ insurance premiums can sometimes be double those of older drivers.
Take a look at the graph below to see how drivers’ ages affect their annual insurance rates with Plymouth Rock.

Plymouth Rock car insurance cost for young drivers

Though teens do see some of the highest rates at insurance companies across the board, Plymouth Rock’s Good Student and New Driver Discounts can help offset these costs.

Where is Plymouth Rock insurance the cheapest?

Plymouth Rock premiums vary by location. The table below provides the average rate paid by Plymouth Rock customers in each of their active states.
North Dakota$1,209
West Virginia$1,306
South Dakota$1,326
North Carolina$1,413
New Hampshire$1,636
New Mexico$1,707
South Carolina$1,820
Rhode Island$1,835
District Of Columbia$2,015
New Jersey$2,109
New York$2,888
See More

Plymouth Rock car insurance discounts

Though smaller, regional providers like Plymouth Rock often offer a much more limited selection of perks and discounts than their larger counterparts, that’s not really the case here. Not only does Plymouth Rock offer a wide selection of coverage options, but they also offer countless discounts to go along with them. 
Available coverage and discounts vary by state, but here are some discounts that are available in all six states where Plymouth Rock writes policies: 
Good studentDiscounts for students under 25 who earn good grades in school.
Driver trainingDiscounts for drivers who complete state-approved driver-training courses.
BundlingDiscounts for policyholders who insure more than one vehicle or combine auto with other insurance, such as home insurance, with Plymouth Rock.
Advanced ShopperDiscount for switching to Plymouth Rock from another provider.
Anti-theftDiscount for drivers with anti-theft systems on their vehicles.
Driver improvementDiscounts for drivers over 55 who complete a driver improvement course.
Pledge of Assurance ProgramProvides a charitable donation on the customer’s behalf in case of dissatisfaction with service and value of coverage.

Plymouth Rock auto insurance coverage options

Plymouth Rock offers a wide variety of coverage options to meet and exceed your state’s required coverage minimums.
Plymouth Rock offers the following types of basic car insurance to both satisfy and exceed legal requirements.
In addition to these basic coverages, we’ve mentioned that Plymouth Rock offers many additional coverage options, and we weren’t kidding. Many of these options, though, are offered within three packages—Essential Assurance, Assurance Preferred, and Assurance Premier. The table below explains which coverages and services are included with each package:
Covered servicesEssential AssuranceAssurance PreferredAssurance Premier
Guaranteed Repairs
Online Services
Crashbusters (representative travel to you to assess claims damage)
Get Home Safe Coverage (cab fare to avoid driving under the influence)
Pledge of Assurance (charitable donations made in your name if you're dissatisfied with service)
Door-to-Door Valet Claim Service (PR handles all repair transport for you)
Mobile device and laptop replacement
Seat belt and airbag benefits (additional cash payment in the event of loss of life while a seat belt was worn or working airbag in use
Roadside assistance
Waiver of deductible for windshield replacement
Additional money for towing and labor coverage
Depreciation waiver
Airbag accidental discharge coverage
Pet injury coverage
Deductible Dollars (earn $50 deductible credits each year without a claim)
Trip interruption coverage
New car replacement
Gap coverage
Electronic key replacement
Plymouth Rock also offers an Assurance Plus Package as a loyalty reward for all customers who have stayed with Plymouth Rock for three years. This package is automatically added to whatever level of coverage you currently have, so if your package already has, for example, pet injury coverage, it will increase the amount of coverage you get.
  • Additional Rental Coverage
  • Mobile Device Replacement
  • Pet Injury Coverage
  • Laptop replacement
  • Seat belt/airbag benefits
  • Child car seat replacement
  • Personal property coverage
  • Waiver of collision deductible
  • Enhanced bail bond coverage
  • Loss of earnings coverage
  • Waiver of deductible for glass repairs
Just in case this isn’t quite enough coverage for you yet, Plymouth Rock also offers the following a la carte coverage options, which policyholders can add to any package:
  • Accident forgiveness: avoid a surcharge after your first at-fault accident
  • Full glass coverage: no deductible on glass-only claims
  • $100 glass deductible: $100 deductible on glass-only claims
  • Waiver of deductible: collision deductible waived in certain situations
  • New car replacement
  • Gap coverage

Additional products from Plymouth Rock

Plymouth Rock Road Rewards

Plymouth Rock created the Road Rewards program to help safe drivers earn points and rewards with every drive. The app tracks safe driving behaviors and rewards policyholders with fuel discounts, free movie tickets, Starbucks gift cards, and gift cards for Amazon, Spotify, and Apple.

Plymouth Rock payment options

Plymouth Rock offers three methods by which policyholders can make payments:
  • Mobile app
  • Online payment
  • Payment by phone: Call 1-844-242-3555

Key Takeaways

  • Plymouth Rock offers a wide variety of coverage options for drivers in six northeastern states
  • Plymouth Rock offers a number discounts for drivers to save money on coverage
  • Coverage with Plymouth Rock tends to be a bit on the expensive side

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