Plymouth Rock insurance review 2024

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.

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.

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.

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:

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 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.

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

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.