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Plymouth Rock insurance review 2024

Updated Apr 12, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.3
Rating: 4.3 stars out of 5
Bankrate Score
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Auto

Rating: 4.1 stars out of 5

4.1

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Cost & ratings

Rating: 4.3 stars out of 5

4.3

Coverage

Rating: 3.5 stars out of 5

3.5

Support

Rating: 4.4 stars out of 5

4.4

Home

Rating: 4.4 stars out of 5

4.4

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Cost & ratings

Rating: 4.3 stars out of 5

4.3

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 4.5 stars out of 5

4.5

About Bankrate Score

Bankrate's take

Policyholders in the New England/Mid-Atlantic region looking for reasonably priced insurance from local agents might consider Plymouth Rock Assurance as their company of choice.

Who Plymouth Rock may be good for: People interested in finding car insurance through local agents with high levels of customer satisfaction may find Plymouth to be a good fit.

 

Who Plymouth Rock may not be good for: Customers who prioritize digital tools or want robust life insurance options may not choose to purchase policies from Plymouth Rock.

Answer a few questions to see personalized rates from top carriers

New

What’s new with Plymouth Rock?

The company recently redesigned its mobile app to provide an improved auto claims experience featuring an intuitive to-do list. You can manage your appraisal, reserve a rental car, upload docs and more.

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.

Pros
  • Recent improvements to its mobile app

  • Assurance packages offer perks for policyholders

  • Local agents available across service area

Cons
  • Not available nationwide

  • Website doesn't feature many extras

  • Not many optional coverages

Plymouth Rock car insurance cost

The average cost of car insurance in the U.S. is $2,314 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 $644 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 $1,353, while minimum coverage is $411, 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).

Clean driving record
Plymouth Rock full coverage premium
$1,353
National full coverage premium
$2,314
Plymouth Rock full coverage premium
$1,786
National full coverage premium
$2,802
Plymouth Rock full coverage premium
$2,019
National full coverage premium
$3,283
Plymouth Rock full coverage premium
$1,892
National full coverage premium
$4,408

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
Plymouth Rock full coverage premium
$4,459
National full coverage premium
$4,874
Plymouth Rock full coverage premium
$4,235
National full coverage premium
$4,541
Plymouth Rock full coverage premium
$3,986
National full coverage premium
$4,258
Plymouth Rock full coverage premium
$3,656
National full coverage premium
$3,732
Plymouth Rock full coverage premium
$3,450
National full coverage premium
$3,535
Average cost of car insurance for drivers on their own policy 
Plymouth Rock full coverage premium
$5,429
National full coverage premium
$6,488
Plymouth Rock full coverage premium
$1,782
National full coverage premium
$2,854
Plymouth Rock full coverage premium
$1,446
National full coverage premium
$2,448
Age 40
Plymouth Rock full coverage premium
$1,353
National full coverage premium
$2,314
Plymouth Rock full coverage premium
$1,281
National full coverage premium
$2,097

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's telematics program, Road Rewards, requires you to download an app to your smartphone that monitors your driving in real time. The safer a driver you are, the more points you earn. Points can be redeemed for Apple gift cards and more. Road Rewards data will never cause your premium to increase.
Plymouth Rock partners with organizations, alumni associations and employers to offer group discounts throughout its service area. In New Jersey, for example, Chamber of Commerce members are eligible for a discount, as are graduates of many of the state's community colleges.
If you are a Plymouth Rock policyholder who has been with the company for at least four policy terms, or you are a member of a qualifying motor club, the company offers multiple rewards including pet injury coverage, child car seat replacement, waiver of collision deductible and waiver of glass deductible.
Drivers who pay their premium in full upfront could see a discount on their overall policy.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Plymouth Rock
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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 home 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:

Pros
  • Improved mobile app

  • Umbrella policies available

  • Online quote available

Cons
  • Flood Insurance not provided by National Flood Insurance Program

  • No coverage for mobile homes

  • Rates slightly higher than average

Plymouth Rock home insurance cost

Plymouth Rock's annual average premium for $300,000 in dwelling coverage is $1,653, which is 23 percent less than the national average of $2,151. 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.

$150K dwelling
Plymouth Rock average premium
$999
National average premium
$1,274
$300K dwelling
Plymouth Rock average premium
$1,653
National average premium
$2,151
$350K dwelling
Plymouth Rock average premium
$1,850
National average premium
$2,450
$450K dwelling
Plymouth Rock average premium
$2,352
National average premium
$3,046
$750K dwelling
Plymouth Rock average premium
$4,156
National average premium
$4,824

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.

This discount may be added automatically for those purchasing a new policy.
If your home is newer, you could earn a discount on your coverage. The newer your home, the larger your discount could be.
If your home has internet-connected systems to protect from theft, fire or water damage, you could save money on premiums.
You could save $25 simply by choosing to receive policy and billing information via email.
If your home is equipped with a fire monitoring system, sprinklers or other devices, you earn a discount.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Plymouth Rock

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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:

Pros
  • Online quotes available

  • Local agents

  • Bundling discount available if you have auto or home insurance

Cons
  • One policy type available

  • Only available to residents of New Jersey

  • Policy does not provide permanent coverage

Plymouth Rock life insurance endorsements

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

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Compare Plymouth Rock with other insurers

If you don't think Plymouth Rock could meet your insurance needs or you live outside its coverage area, you might want to consider getting quotes from these other comparable carriers:

Badge 1 Featured

Plymouth Rock

Plymouth Rock
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4.3 stars out of 5
4.3

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.5 stars out of 5
4.5

USAA

USAA
Rating: 4.5 stars out of 5
4.5
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Cost & ratings

Rating: 4.6 stars out of 5
4.6

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4.2 stars out of 5
4.2

State Farm

State Farm
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.4 stars out of 5
4.4
OVERVIEW
Info
Active military and veteran policyholders who value customer service, robust policy options and military-focused coverage over in-person support through local agents might consider USAA as their company of choice.
Policyholders who value a personalized experience through a local agent, bundling insurance policies with the same company and highly rated customer service might consider State Farm as their company of choice.
STANDOUT FEATURES
Info
Loan
Military on-base discount
Dollar
MyUSAA Legacy discount
Online Best
SafePilot telematics program
Loan
Numerous discounts offered
Badge
Below-average NAIC complaint index
Bank
Also offers banking and investment products
AVG FULL COV. AUTO RATE
Info
$1,695 $2,364
JD POWER AUTO SCORE
Info
890/1000 882/1000
AVG HOME RATE
Info
$1,442 $1,774
JD POWER HOME SCORE
Info
881/1000 829/1000
AM BEST RATING
Info
A++(Superior) A++(Superior)

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.

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. Power, which looks at customer and claims satisfaction, and AM Best, which looks at financial strength. Plymouth Rock is not included in most J.D. Power studies, likely because it is a smaller regional carrier, but it was scored in the New England and Mid-Atlantic regions of the 2023 Auto Insurance Study. In both regions it scored below the segment average.

Study or Rating agency Plymouth Rock Industry average
2023 J.D. Power Digital Experience Study - Service Not scored 702/1,000
2023 J.D. Power Digital Experience Study - Shopping Not scored 521/1,000
AM Best rating A- N/A

Plymouth Rock customer complaints

The National Association of Insurance Commissioners (NAIC) collects and tracks customer complaints and compiles trend reports for insurance companies. The NAIC compares numbers of complaints with a carrier's market share to calculate complaint indexes. These complaint indexes are assigned by product type with a baseline of 1.0. An index above 1.0 means a company receives more complaints than expected and vice versa.

Plymouth Rock received fewer complaints than expected for its size in the last three years. Impressively, the carrier actually received no complaints for its auto insurance product in 2022.

Plymouth Rock's home insurance product sees a bit more variety in its NAIC complaint index compared to its auto insurance product. While the carrier received just one complaint in 2022 and none in 2021, it did receive slightly more complaints than expected about its home coverage in 2020. Overall, these NAIC indexes indicate the policyholders may be generally satisfied with the carrier's service.

Other Plymouth Rock tools and benefits

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's Door-to-Door Valet Claim Service provides a representative 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.

Frequently asked questions about Plymouth Rock

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46
years of industry expertise
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carriers reviewed
Location
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ZIP codes examined
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quotes analyzed

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all 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 a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

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

Bankrate Scores

Our 2024 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. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
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.
Written by
Joshua Cox-Steib
Contributor, Personal Finance

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Editor, Insurance