Plymouth Rock insurance review: car and home

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Two of the most important assets for any person are their house and their vehicle, and the best way to protect them is with a comprehensive insurance policy. For those looking for an insurance provider that provides a human touch, Boston-based Plymouth Rock Assurance might be a good choice.

As one of the smaller insurers with a limited customer pool, Plymouth Rock strives to earn its customers’ trust through the best policies, rates, and personal service. Founded in 1982 by James M. Stone, Plymouth Rock operates in New Jersey, New York, Connecticut, Massachusetts, Pennsylvania and New Hampshire.

Plymouth Rock Car Insurance

The standout feature of Plymouth Rock’s auto insurance policies is the impressive range of coverage options. The company’s small number of customers means it can offer some options that differentiate it from other providers. Plymouth Rock’s Essential Assurance package, which is included with any auto policy, provides guaranteed repairs, valet service and more perks. Customers who have had a policy for three years are automatically upgraded to Assurance Plus, which offers additional benefits such as late-night pickup, mobile device coverage and pet protection.

There is also the option to upgrade to the Assurance Preferred or Assurance Premier packages, which offer benefits such as roadside assistance, loan/lease gap coverage and waivers for depreciation.

Types of coverage

In addition to its assurance benefits, Plymouth Rock’s auto insurance policies are completely customizable, so consumers can build a policy that best suits their needs and any coverage required by state laws, including:

  • Liability
  • Personal injury protection (PIP) or medical payments
  • Uninsured/underinsured motorist protection
  • Collision
  • Towing and labor
  • Comprehensive

Additional a la carte auto coverage options include:

  • GAP coverage
  • Accident forgiveness
  • New car replacement
  • Glass coverage
  • Deductible waiver
  • Roadside assistance
  • Rideshare coverage

Cost of Plymouth Rock Car Insurance

Plymouth Rock Assurance’s auto policy prices are typically lower than the industry standard of $1738 for full coverage. Getting a quote online is easy, and their packages offer a lot for the money, but consumers should be aware that auto insurance rates from any carrier vary depending on age, driving record, type and age of the car, miles driven and installed safety features.

Average Annual Cost of Minimum Coverage Average Annual Cost of Full Coverage
$303 $1,005


Besides offering standard premium rates, Plymouth Rock’s car insurance also has a variety of discounts available, including:

  • Bundling
  • Annual payment
  • Anti-theft
  • Advance shopper
  • New driver
  • Driver training
  • Away at school
  • eDocuments
  • Good student
  • Affinity group
  • Motor club member

Plymouth Rock home insurance

Even though the company originally only offered auto insurance, it now offers home insurance. Following its car insurance model, Plymouth Rock Assurance’s home policies are customizable, even with the standard packages.

Types of coverage

Plymouth Rock offers all the typical homeowners coverage options, including:

  • Dwelling
  • Other structures
  • Personal property
  • Liability
  • Additional living expenses

Some endorsements available with Plymouth Rock home insurance include:

  • Home systems breakdown coverage
  • Utility service line coverage
  • Identity theft protection
  • Home cyber coverage
  • Flood protection


Plymouth Rock home insurance customers may be eligible for several discounts that can be applied to lower premiums, including:

  • Bundling
  • New customer
  • Claims-free
  • Advanced quote
  • Age of home
  • Superior constructed home
  • Fire and security protection
  • Connected home
  • eDocuments

Reasons why Plymouth Rock is a great option

Despite being a regional insurer serving only six states, Plymouth Rock is a strong carrier with competitive rates, a wide range of coverage options and several discounts. It’s always a good idea to shop around and compare providers, but here is a quick snapshot of how Plymouth Rock breaks down.


  • Competitive rates
  • Multiple discounts
  • Wide range of coverage perks
  • Easy online quote process
  • Efficient claims reporting and customer service


  • Only available in six states

Additional policies offered by Plymouth Rock

Besides auto and home insurance, Plymouth Rock Assurance also offers some additional types of insurance, including:

  • Renters
  • Condo
  • Umbrella
  • Commercial auto
  • Motorcycle
  • New Jersey teachers auto insurance

Plymouth Rock ratings, reviews, customer satisfaction and complaints

Plymouth Rock has fewer reviews and ratings online than many providers but seems to have mostly positive feedback. However, they do fall below average in certain studies and third party reviews.

J.D. Power ranked Plymouth Rock Assurance at 827/1000 for the mid-Atlantic region in its 2020 auto insurance satisfaction study, below the average regional score of 840/1000.

The Better Business Bureau (BBB) gives the provider an A+, although the company is not BBB accredited, and customer reviews rank it at less than 2/5. The company does have a strong financial rating from AM Best of A-, which means it has an excellent ability to meet ongoing insurance obligations.

Frequently asked questions

How do I find cheaper auto insurance?

What you pay in car insurance premiums will depend on a range of factors, from the type of car to the coverage options. But comparing quotes and features from multiple insurers, taking advantage of discounts and choosing a higher deductible are some of the ways to get cheaper auto insurance.

What are the important factors when choosing homeowners insurance?

Every homeowners insurance company offers something unique to its customers, but it’s a good idea to research multiple providers and shop around, with a focus on company reputation, customer service, claims process and amount of deductible. It might also be smart to speak with a licensed insurance professional to ensure your needs are being met for the best price.

Should I bundle home and auto insurance?

Bundling car and homeowners insurance policies through the same insurer is convenient and saves time and money. However, before choosing a bundle, it’s a good idea to compare prices with other insurance providers.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and, among others.