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Plymouth Rock insurance review 2022

Updated Nov 15, 2022
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At a glance

3.8
Rating: 3.8 stars out of 5
Bankrate Score
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Auto

Rating: 3.6 stars out of 5

3.6

Home

Rating: 4 stars out of 5

4.0

About Bankrate Score

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Plymouth Rock insurance may be a competitive choice for residents of the Northeast who are looking for a small insurance company with local agents and a personal touch. Coverage is only available in six states, though, so not all shoppers will be able to access Plymouth Rock policies.

Pros

  • Local agents available
  • Fewer than average complaints filed with the National Association of Insurance Commissioners (NAIC)
  • Offers time-saving perks such as door to door valet service after a car accident

Cons

  • Only available in six states
  • Scored well below average in the J.D. Power 2021 U.S. Auto Insurance Study for the New England region
  • Very low mobile app ratings

Founded in 1982, Plymouth Rock Assurance is a relatively small insurance company serving customers in Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania. Since the company’s inception, its focus has been on earning customers’ trust by offering a wide range of policies, competitive rates and superior customer service.

Among the many types of insurance it offers, Plymouth Rock’s key insurance products are home and auto insurance policies. Boston-based Plymouth Rock Assurance might be a good choice for those who prefer an insurance provider with a human touch and lots of customization.

Plymouth Rock car insurance 

Plymouth Rock received a midrange Bankrate Score of 3.6 out of 5. To determine Bankrate Scores, our experts analyze companies across the following categories: J.D. Power score for customer satisfaction, AM Best financial strength score, customer complaint rate according to the NAIC, average premiums, discount options, digital features and available coverage types. Plymouth lost points for its low-ranking mobile app, which received a score of 1.3 out of 5 on the App Store and a score of 2.9 out of 5 on Google Play. The company also scored below industry average in J.D. Power’s 2021 Auto Insurance Study for the New England region. However, the company received fewer complaints than average filed with the NAIC, which may suggest that policyholders are generally satisfied with their service. And, the company received an AM Best financial strength rating of A- (Excellent).

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Plymouth Rock offers standard auto insurance coverage options, including bodily injury liability, collision, comprehensive, personal injury protection (PIP) and uninsured motorists’ coverage. As a bonus, every auto policy with Plymouth Rock includes its Essential Assurance package, which offers a few perks, including guaranteed repairs if your vehicle is brought to a participating repair shop and valet service. 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. The company also offers add-on coverage options, such as accident forgiveness, gap insurance and full glass coverage.

Plymouth Rock car insurance cost

The 2022 average annual premiums for Plymouth Rock policies are $1,010 for full coverage and $297 for minimum coverage, according to data provided by Quadrant Information Services. These premiums are significantly lower than the national average cost of car insurance, which is $1,771 per year for full coverage and $545 for minimum coverage.

Driving History Plymouth Rock average annual full coverage premium National average annual full coverage premium
Clean driving history $1,010 $1,771
Speeding ticket conviction $1,524 $2,138
At-fault accident $1,555 $2,521
Adding a 16-year-old driver* $2,384 $3,852

*16-year-old rates reflect the added cost to their parents’ full coverage car insurance policy.

Plymouth Rock car insurance discounts

Plymouth Rock offers many unique discounts that may allow you to lower your car insurance premium. Whether you’re adding a new young driver to your policy or trying to save money through safe driving techniques, Plymouth Rock may have a discount for you. The company’s unique auto insurance discounts include:

Plymouth Rock car services

Plymouth Rock’s website allows you to search for auto or motorcycle repair shops near you. The company also published a helpful guide on how to avoid auto fraud.

Plymouth Rock home insurance 

As mentioned above, Plymouth Rock’s Bankrate Score is based on a thorough analysis of the provider’s offerings and third-party scores. While the company’s home insurance is unrated by J.D. Power, it received fewer complaints than average according to the NAIC. The company offers a wide range of home insurance coverage options that may be attractive to shoppers in the Northeast.

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Plymouth Rock offers standard home insurance with basic coverage options, like dwelling, other structures, personal property, liability and additional living expenses. In addition, homeowners can purchase add-on coverage, such as home cyber coverage, utility service line coverage, identity protection, flood insurance, pet health insurance and home systems breakdown coverage.

Plymouth Rock home insurance cost

Plymouth Rock’s average annual premium for $250,000 in dwelling coverage is $1,433, according to 2021 data. That rate is slightly higher than the national average cost of home insurance for the same amount of coverage, which is $1,312. Below, see how Plymouth Rock’s average premiums compare to the national average across different levels of dwelling coverage.

Dwelling coverage limit Plymouth Rock average annual premium National average annual premium
$150,000 $1,008 $898
$250,000 $1,433 $1,312
$350,000 $1,691 $1,723
$450,000 $2,106 $2,148
Plymouth Rock home insurance discounts

For those looking to save on their homeowners insurance policy, Plymouth Rock offers a variety of home insurance discounts. Some discounts are added automatically, like the new customer discount, which is applied if you are new to Plymouth Rock, and the claims-free discount, which is added if you have not filed a claim in the last five years. Some of the company’s most unique discounts include:

Plymouth Rock home services

Plymouth Rock does not advertise any additional home services on its website.

Plymouth Rock life insurance

Plymouth Rock’s life insurance options are much more sparse than many of its competitors. Plymouth Rock offers term life insurance policies, but only to customers in New Jersey. Its website is light on details, but residents of the Garden State can call its customer service agents to learn more.

  • Term life (New Jersey only): Term life insurance is generally much cheaper than permanent life insurance, and remains in effect for a predetermined period of time, typically 10, 20 or 30 years. If the insured dies during that period, the death benefit is paid in most circumstances. Unlike whole or permanent life insurance, term life insurance does not come with a cash value component.

Plymouth Rock life insurance endorsements

The company’s website does not indicate whether its term life policies include any potential endorsements or conversion options.

Plymouth Rock life services

Plymouth Rock’s website doesn’t outline any additional life services.

Other Plymouth Rock insurance perks worth considering

If you’ve read through the Plymouth Rock insurance review and are still on the fence, the following perks may sway you.

  • Mobile app: Plymouth Rock offers a mobile app that may be attractive to tech-savvy shoppers. However, keep in mind that the app received scores of 1.3 out of 5 on the App Store and 2.9 out of 5 on Google Play.
  • Renters insurance: If you rent or lease your home, you may want to look into a Plymouth Rock renters policy.
  • Condo insurance: This coverage applies to owners of condominiums or co-ops.
  • Umbrella insurance: This coverage could insure you against high liability situations.
  • Commercial auto: If you use a vehicle for work, you may be interested in a commercial auto policy.
  • Pet insurance: If you’re a pet parent, you may want to purchase coverage that could help cover costs associated with a pet’s illness.

Plymouth Rock insurance corporate sustainability

Plymouth Rock Assurance Foundation, the company’s philanthropic arm, matches employee contributions to nonprofit groups of their choice. In addition, the company organizes volunteer days at local sites. The foundation also makes periodic charitable donations to nonprofit organizations and charities.

Not sure if Plymouth Rock insurance is right for you? Consider these alternatives

Plymouth Rock insurance won’t be the right fit for everyone. If you’re looking for a different provider, you may want to consult the following list of insurance carriers.

  • State Farm: If you’re looking for an insurance provider with nationwide availability and top-tier ratings, you may want to research State Farm.
  • USAA: If you’re a member of the U.S. Military, a veteran or a qualifying family member, USAA may be an option for you. USAA is known for offering excellent customer service and certain features tailored to service members.
  • Nationwide: If you’re looking for a large provider that offers auto, home and life insurance, you may want to research Nationwide.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 2020 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 18-60 (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.

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
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • Coverage E, Liability: $300,000
  • 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 (Auto)

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Bankrate Score (Home)

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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