Plymouth Rock insurance review 2023

Plymouth Rock car insurance

Plymouth Rock’s insurance experience is generally positive. The company received a solid Bankrate Score of 4.0 out of 5 points for its auto insurance. Additionally, the company has overhauled its mobile app and improved its J.D. Power Customer Satisfaction score, potentially indicating a renewed focus on its customers and their needs.

Plymouth Rock car insurance includes a standard menu of coverage options, including liability, collision, comprehensive, personal injury protection (PIP) and uninsured motorists. The company's Essential Assurance program, included in all policies, brings some nice perks, such as door-to-door valet claim service and guaranteed repairs. You can also upgrade to Assurance Plus, Assurance Preferred and Assurance Premier, which include further benefits such as child car seat replacement and pet injury coverage. You can only find Plymouth Rock insurance on the East Coast, in Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania.

Pros and cons of Plymouth Rock car insurance

When you're in the market for auto insurance, you’ll want to weigh the pros and cons of any provider you’re considering. Plymouth Rock has some nice attributes as well as a few areas where it could improve.

Plymouth Rock car insurance cost

The average cost of car insurance in the U.S. is $2,014 per year for full coverage, according to Bankrate’s analysis of sample premiums collected by Quadrant Information Services. Minimum coverage, which does not include collision or comprehensive, costs an average of $622 per year. Keep in mind that your premium will be based on information that is specific to you and your vehicle, so is likely to be different from the average. Plymouth Rock's average for full coverage is $933, while minimum coverage is $295, well below the national average.

Plymouth Rock car insurance rates by driving history

Your rates will vary depending partly on your driving record. Drivers with a clean record are more likely to receive low rates, while those who have infractions on their record are generally penalized with higher rates. Bankrate does not include rates for DUI or DWI drivers, as not all companies will write policies for drivers with a DUI on their driving record. If you fit in this category, you will need to contact an agent for a quote. If the infraction is recent, it may not be reflected in your Motor Vehicle Report (MVR) or the insurance industry's comprehensive loss underwriting exchange (CLUE).

Plymouth Rock car insurance quotes by age

Car insurance rates are higher for younger drivers on average. Insurers account for them having less driving experience, and data shows that they have a higher rate of accidents than older drivers. If you have a teenage driver added to your policy, you may see a significant increase in your Plymouth Rock premium. For older drivers on their own policy, age may be factored less heavily.

Average cost of car insurance for drivers on their parents’ policy

Average cost of car insurance for drivers on their own policy

Plymouth Rock car insurance discounts

Car insurance discounts can save you money on your premium, and most insurers offer at least a few. Plymouth Rock has a handful of discounts and reward programs, some of which may be easy to qualify for.

Plymouth Rock car tools and benefits

Plymouth Rock's Assurance packages offer a broad range of extras, with some of them available for all policyholders. The company's Get Home Safe perk, for example, will pay for a taxi ride if you are working late or feeling tired and need an alternative to driving. Pet injury coverage is also standard, giving you money for vet bills if your companion animal is injured in a covered loss.

If you upgrade to the Preferred or Premium level, there are further benefits, such as Deductible Dollars, which gives you a $50 credit each year you go without a claim, and new car replacement coverage if you experience a total loss within the first two years of purchasing your new car.

Plymouth Rock's Door-to-Door Valet Claim Service, available in Massachusetts, New Jersey, Connecticut, Pennsylvania, New Hampshire and New York, makes it easy to get your car repaired after an accident. A company representative would pick up your car at your home or place of work and bring it to the repair shop, returning it to you when it’s done. If you have rental coverage, they could also coordinate your rental car.

Plymouth Rock home insurance

Plymouth Rock earned a Bankrate Score of 3.5 out of 5 points for its homeowner insurance. Although that's not at the top of the list, it's not bad, and is an indicator that Plymouth Rock home insurance offers some benefits at a reasonable cost. Plymouth Rock home insurance features standard home insurance coverage options including dwelling, other structures, personal property, liability and additional living expenses. Its robust list of optional add-on coverage includes home cyber coverage, utility service line, identity protection, home systems breakdown, flood insurance and pet health insurance. All this might make Plymouth Rock a good option to consider in the northeast for a home insurance quote.

Pros and cons of Plymouth Rock homeowners insurance

Plymouth Rock's home insurance policies offer benefits that may make it a good choice for some homeowners. Here are some key perks and drawbacks of the provider’s home coverage:

Plymouth Rock home insurance cost

Plymouth Rock's annual average premium for $250,000 in dwelling coverage is $1,476, which is $48 less than the national average of $1,428. Your own rate will vary depending on the value of your house, the state you live in and other factors. To get a quote that's specific to your own property, you can go online, contact a local agent, call 833-857-5848 or text HOME to 267-214-5848.

Plymouth Rock home insurance discounts

You could earn a premium discount if you bundle your car insurance with a Plymouth Rock homeowners policy, but there are also other discounts that you may be qualified for.

Plymouth Rock home tools and benefits

The company's website features informational articles on topics of interest to homeowners, such as how to change homeowners insurance and buying vs. renting. Other products that the company offers include renters, condo and flood insurance as well as umbrella policies. Plymouth Rock partners with some of the northeast region's most iconic sports teams, such as the Boston Bruins and New York Yankees, and offers tickets, gear and behind-the-scenes fan experiences to policyholders.

Plymouth Rock life insurance

Plymouth Rock is not a life insurance company primarily, but it does offer term life insurance to residents of New Jersey. Term life insurance is the more simple of the two main types of life insurance — the other being permanent insurance.

With a Plymouth Rock life insurance policy, you sign up for coverage for a specific number of years, often 10, 20 or 30, and if the insured dies during that time, a death benefit is paid to the beneficiaries. Unlike permanent insurance, term policies have no cash value that can be drawn from during the policyholder's lifetime. Plymouth Rock's term insurance may be an attractive option for residents of the Garden State looking for affordable life coverage.

Pros and cons of Plymouth Rock life insurance

Although it has limited policy options, Plymouth Rock does offer term policies that can provide solid coverage for policyholders for a predetermined length of time. Consider some of the pros and cons of its life policies below:

Plymouth Rock life insurance endorsements

There are no endorsements indicated on Plymouth Rock's website.

Plymouth Rock life tools and benefits

No tools or benefits are listed on the company's term insurance web page.

Plymouth Rock customer satisfaction

Third-party ratings can tell you a great deal about a company and how it does business. Our experts review ratings from organizations such as J.D. Powers, which looks at customer satisfaction, and NAIC (National Association of Insurance Commissioners), which reviews complaint levels, can indicate how seriously the company views its responsibility to its customers.

Plymouth Rock auto satisfaction

Plymouth Rock scored above average in J.D. Power's 2022 U.S. customer satisfaction index ranking, and was in third place in the listing for New England area insurers, with a score of 834 (the average was 823). On the NAIC's complaint index, Plymouth Rock earns a score of 0.13 for auto, which means the company receives far fewer complaints about its auto insurance than other carriers of similar size.

Plymouth Rock homeowners satisfaction

J.D. Power doesn't include Plymouth Rock in its customer satisfaction ranking for homeowners insurance, possibly because the company doesn't write as many home insurance policies as it does auto insurance. However, Plymouth Rock receives an A- (Excellent) AM Best rating, which indicates a good history of being able to pay out claims as an overall company.

Plymouth Rock life satisfaction

J.D. Power did not score Plymouth Rock in its 2022 U.S. Individual Life Insurance Study. If you’re considering Plymouth Rock life insurance, you may want to speak with friends or family already insured with the company to get a feel for the customer experience. 

How to file a claim with Plymouth Rock

You can report a claim online once you log in to your account or print out a claim forms that can then be submitted manually. You can also call the company at 800-437-5556 if you purchased your policy directly through Plymouth Rock or a Prudential representative; or 833-511-7625 if your policy was purchased through an independent agent.

For auto claims, Plymouth Rock has several elements to make it easy for you to report your claim, repair your car and get back on the road:

• Door-to-door valet claim services: A Plymouth Rock representative can be scheduled to pick up your car, take it to the shop of your choice and bring it back when done. If you have rental coverage, they could also coordinate a rental car for you.
• 100 percent guaranteed repairs: The company maintains a listing of registered shops, where all work is guaranteed for as long as you own the car.
• CarPics photo appraisals: This service eliminates the need for a claims inspection and gets you your estimate within hours.
• Crashbusters mobile claim service: You can set up for a company representative to meet you to appraise your car at a time and place that’s convenient for you. You may even receive a check at that time.

Plymouth Rock availability

Plymouth Rock insurance is available in six states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania.

Other Plymouth Rock perks worth considering

Consider these other product types from Plymouth Rock:

• Policies are also available for commercial auto, motorcycle, motor home, boat and watercraft and collector car.
• Renters, condo and flood insurance is also available
• Plymouth Rock has umbrella and pet insurance as well, along with special policies for New Jersey educators and teachers.

Plymouth Rock corporate sustainability

Plymouth Rock supports groups in its service areas that have a lasting impact on their communities through the Plymouth Rock Assurance Foundation. They focus on educational programs for underserved students, violence prevention programs for vulnerable youth, and health care and safety advocacy for at-risk populations.

Not sure if Plymouth Rock is right for you?

Plymouth Rock may be most worth considering for those who live in its states of operation. If you'd like to gather quotes from several companies to compare, here are a few that are worth looking at.

Plymouth Rock vs. USAA

If you or a member of your family is active-duty or a veteran, USAA could be a good option to consider. It earned a 2023 Bankrate Award as the best auto insurance company, and is known for low average annual rates and high customer satisfaction scores. It's available nationwide, but only sells policies to those with a military connection.

Learn more: USAA Insurance review

Plymouth Rock vs. State Farm

As the largest auto insurer in the country, State Farm may be recognized as one of the best car insurance companies overall. It has an extensive network of local agents, but if you prefer to do your insurance management online, it also has a user-friendly website. It has a financial strength rating of A++ (Superior) from AM Best — the highest possible — which monitors a company’s historical ability to meet financial obligations such as claims. Additionally, State Farm has an above-average ranking in the 2022 J.D. Power Auto Claims Satisfaction Study.

Learn more: State Farm Insurance review

Plymouth Rock vs. Auto-Owners

If price is your primary consideration when shopping for car insurance, Auto-Owners might be a good company to ask for a quote. It's one of the cheapest providers on Bankrate's Cheapest Car Insurance in 2023 list, and is known for writing inexpensive policies. Like Plymouth Rock, it has good customer satisfaction ratings and offers optional endorsements to personalize your policy.

Learn more: Auto-Owners Insurance review

Is Plymouth Rock a good insurance company?

If you live in one of the six states that Plymouth Rock services, it could be a good option for auto and home insurance, especially since you can request a free quote online. Plymouth Rock's auto insurance features a range of discounts as well as a handful of optional coverages to help you ensure that your policy fits your particular situation.

The company's homeowners insurance could provide solid coverage for your home and property, with optional coverage such as ID monitoring, home systems breakdown and more. The company also sells life insurance policies, but these are limited to term insurance, and only to residents of New Jersey. These options for multiple lines of insurance, along with Plymouth Rock's robust coverage and reasonable prices make it a strong option for New England and Mid-Atlantic consumers.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

• $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 coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents’ policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner. 

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident. 

Homeowners

• Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.