Plymouth Rock insurance review 2024
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At a glance
Score breakdown
Auto
4.1
Cost & ratings
4.3
Coverage
3.5
Support
4.4
Home
4.4
Cost & ratings
4.3
Coverage
4.3
Support
4.5
About Bankrate Score
Bankrate's take
Policyholders in the New England/Mid-Atlantic region looking for pre-selected insurance packages from local agents might consider Plymouth Rock as their company of choice.
- Regional insurer, only available in six states
- Tiered coverage packages available for auto and home insurance
- Term life insurance is only available in New Jersey
- Scored below average in the J.D. Power Auto Insurance Study
New
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 review
Plymouth Rock’s insurance experience is generally positive. The company received a solid Bankrate Score of 4.1 out of 5 points for its auto insurance, signaling that it could be one of the best companies for New England and Mid-Atlantic drivers. Additionally, the company has overhauled its mobile app, 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. It sells its coverages in four different tiered packages: Essential Assurance, Assurance Plus, Assurance Preferred and Assurance Premier. 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. Upgrading to Assurance Plus brings in extra perks like mobile device replacement, pet injury coverage, no-deductible glass coverage and more. The Preferred package includes roadside assistance, while the Premier adds even more benefits. With any coverage package, policyholders can add other overages like accident forgiveness, gap coverage and new car replacement.. 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
- Tiered, pre-selected coverage packages with options for customization
- Local agents available across service area
Cons
- Not available nationwide
- Lower AM Best rating compared to national insurers
- Scored below average in the New England and Mid-Atlantic regions of the 2023 J.D. Power Auto Insurance Study
Plymouth Rock car insurance cost
The average cost of car insurance in the U.S. is $2,388 per year for full coverage, according to Bankrate’s analysis of sample premiums collected by Quadrant Information Services. Minimum coverage, which does not usually include collision or comprehensive, costs an average of $664 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 $1,521, while minimum coverage is $466.
How much is Plymouth Rock car insurance?
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. Keep in mind that drivers who have had their license suspended because of a driving infraction may need their insurer to file an SR-22 on their behalf.
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---|---|---|
Good driver, good credit
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Plymouth Rock full coverage premium
$1,521
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National full coverage premium
$2,388
|
Plymouth Rock full coverage premium
$2,857
|
National full coverage premium
$4,372
|
|
Plymouth Rock full coverage premium
$1,959
|
National full coverage premium
$2,893
|
|
Plymouth Rock full coverage premium
$2,251
|
National full coverage premium
$3,396
|
|
Plymouth Rock full coverage premium
$2,059
|
National full coverage premium
$4,586
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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 teens especially 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.
|
|
|
---|---|---|
Plymouth Rock full coverage premium
$5,267
|
National full coverage premium
$5,080
|
|
Plymouth Rock full coverage premium
$4,755
|
National full coverage premium
$4,376
|
|
Plymouth Rock full coverage premium
$3,516
|
National full coverage premium
$4,818
|
|
Plymouth Rock full coverage premium
$2,016
|
National full coverage premium
$2,929
|
|
Plymouth Rock full coverage premium
$1,611
|
National full coverage premium
$2,523
|
|
Plymouth Rock full coverage premium
$1,521
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National full coverage premium
$2,388
|
|
Plymouth Rock full coverage premium
$1,455
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National full coverage premium
$2,135
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Compare Plymouth Rock car insurance rates
Every insurer has its own unique underwriting method that determines your rate, which is why you’ll get different quotes from different insurance companies. Plymouth Rock’s full coverage rates are 36 percent less than the national average, and its minimum coverage policies cost 30 percent less. Below, we’ve pulled average rate data from Quadrant Information Services to see how Plymouth Rock’s rates compare to other major insurers.
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|
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---|---|---|
$1,521
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$466
|
|
$2,743
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$874
|
|
$2,254
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$694
|
|
$3,054
|
$919
|
|
$1,921
|
$565
|
|
$1,905
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$688
|
|
$2,688
|
$886
|
|
$2,001
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$545
|
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$2,036
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$750
|
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$1,756
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$455
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Plymouth Rock customer satisfaction
Third-party insurance ratings are an effective way to gauge a company’s financial strength (which indicates its ability to pay out claims) and customer satisfaction. Our experts review ratings from organizations such as J.D. Power and AM Best. 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. Plymouth Rock earned a rating of A- from AM Best. While this is not a poor rating by any metric, it is not as high as the A, A+ and A++ ratings received by many national carriers.
Plymouth Rock auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) collects and tracks customer complaints and compiles trend reports for insurance companies. The NAIC compares the number 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, while an index below 1.0 indicates a company receives fewer. For its auto insurance product, Plymouth Rock’s NAIC was exceptionally low, a green flag in terms of its customer service.
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.
- Road Rewards: 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.
- Group discounts: 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.
- Loyalty rewards: 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.
- Paid in full:Drivers who pay their premium in full upfront could see a discount on their overall policy.
- Anti-theft device: If the vehicle you insure with Plymouth Rock is equipped with an anti-theft device, you could get a discount on your premium.
- eDocuments: Opting for paperless billing and policy management could help lower your insurance payments.
Plymouth Rock home insurance review
Plymouth Rock earned a Bankrate Score of 4.4 out of 5 points for its homeowners insurance. This 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. Like its auto policies, its home policies also come in pre-selected packages: Base, Better and Best. Its robust list of optional add-on coverage includes utility service line, identity protection, home systems breakdown, flood insurance and pet health insurance. For flood insurance, Plymouth Rock partners with Neptune Flood, a private provider, as opposed to the NFIP. This could be a pro or a con, depending on how you look at it: a private flood policy will likely allow for higher limits and greater policy customization than an NFIP one, but it could be more expensive. Its website claims that homeowners can get a quote in as fast as five seconds.
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:
Pros
- Pre-selected coverage packages available
- Umbrella, pet and flood policies available
- Online quotes available
Cons
- No replacement cost value coverage for personal belongings
- No coverage for mobile homes
- Private flood policies through Neptune Flood could be more expensive
Plymouth Rock home insurance cost
Plymouth Rock's annual average premium for $300,000 in dwelling coverage is $1,733, which is 24 percent less than the national average of $2,285. Your own rate will vary depending on a couple of different things, including your dwelling coverage limit. The dwelling coverage limit you choose can act as a baseline for your other coverages. For instance, the amount of personal property coverage you have with your home insurance policy is typically between 50 and 70 percent of your dwelling coverage limit. Like with all forms of insurance, the higher your limits are, the more expensive your premiums will be. Below are the average costs of different dwelling limits with Plymouth Rock compared to national averages.
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$150K dwelling
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Plymouth Rock average premium
$1,053
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National average premium
$1,394
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$300K dwelling
|
Plymouth Rock average premium
$1,733
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National average premium
$2,285
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$350K dwelling
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Plymouth Rock average premium
$1,999
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National average premium
$2,550
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$450K dwelling
|
Plymouth Rock average premium
$2,557
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National average premium
$3,091
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$750K dwelling
|
Plymouth Rock average premium
$4,624
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National average premium
$4,525
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Compare Plymouth Rock homeowners insurance rates
Just like with auto insurance quotes, your home insurance quotes will be different from different providers. Bankrate’s insurance editorial team has rounded up average home insurance rate data from Quadrant Information Services to see how Plymouth Rock compares to other insurers price-wise.
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---|---|---|
$1,733
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- $552 |
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$1,955
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- $330 |
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$2,288
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+ $3 |
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$1,448
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- $837 |
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$2,411
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+ $126 |
|
$1,699
|
- $586 |
|
$3,524
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+ $1,239 |
|
$1,691
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- $594 |
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$2,935
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+ $650 |
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$1,871
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- $414 |
Plymouth Rock home insurance customer satisfaction
Plymouth Rock was not included in the J.D. Power 2023 Home Insurance Study or the 2023 Property Claims Satisfaction Study. This is likely because those two studies focus on larger insurers by market share, and Plymouth Rock is a smaller company.
Plymouth Rock home insurance customer complaints
Information from the NAIC about Plymouth Rock’s home insurance product is also lacking. According to the NAIC’s website, Plymouth Rock received no formal complaints about its home insurance product in 2021, one in 2022 and two in 2023. However, these numbers were too low to assign a complaint index for Plymouth Rock home insurance.
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.
- New customer: This discount may be added automatically for those purchasing a new policy.
- Age of home: If your home is newer, you could earn a discount on your coverage. The newer your home, the larger your discount could be.
- Connected home: If your home has internet-connected systems to protect from theft, fire or water damage, you could save money on premiums.
- eDocuments: You could save $25 simply by choosing to receive policy and billing information via email.
- Fire protection: If your home is equipped with a fire monitoring system, sprinklers or other devices, you earn a discount.
Plymouth Rock life insurance review
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. Of the two, term life insurance tends to cost less.
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 riders
There are no life insurance riders listed on Plymouth Rock's website.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
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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:
Featured
Plymouth Rock
4.3
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.3Coverage 3.9Support 4.5 |
USAA
4.5
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.6Coverage 4.5Support 4.2 |
State Farm
4.3
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.4Coverage 3.9Support 4.4 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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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.
Read More
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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.
Read More
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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.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Local agents available
Improved mobile app
Online quote available
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Military on-base discount
MyUSAA Legacy discount
SafePilot telematics program
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Numerous discounts offered
Below-average NAIC complaints
Banking and investment products
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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$1,521 | $1,921 | $2,743 |
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored | 890/1000 | 882/1000 |
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$1,733 | $1,448 | $1,955 |
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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Not Scored | 881/1000 | 643/1000 |
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A-(Excellent) | A++(Superior) | A++(Superior) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Plymouth Rock insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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.
What are real-life customers saying about Plymouth Rock?
Third-party insurance ratings are helpful but can only tell you so much. To help our readers make a more informed decision about Plymouth Rock, we included quotes from discussion forums like Reddit and Yelp to glean what actual customers think about the company. Although they are not formal review sites, real-life customer feedback can provide valuable insight into a company.
The consensus on Reddit varies. Some customers reported lengthy wait times for responses about claims, from several weeks to months. But other users, like the one quoted below, were happy with the company and its claims process:
“I have them for auto, home, umbrella, etc. i have never submitted an auto claim, but made a fairly substantial home owners claim for storm damage this past year. They have been excellent to deal with. A few of my neighbors had issues with the claims proceed with other carriers. I’d probably stay with them even if they were a bit more expensive than another carrier.” - Reddit User 1 July 15, 2023
Plymouth Rock insurance reviews on TrustPilot were far less generous. Out of a possible five-star rating, Plymouth Rock earned a 2.3 on TrustPilot’s website. Multiple users there were unhappy with the company’s slow response to claims and overall customer service.
“Poorly managed, non existent customer service and a do it yourself attitude towards their customers make this the worst insurance company. No help finding a repair facility and they send you an “E check” so you will need a printer and an banking app to be able to deposit this check. Just try getting someone from that company on the phone, be prepared to leave a message and wait for a return call that never comes.” - TrustPilot user 1 February 2, 2023
Plymouth Rock company details
- Free quote: 855-993-4470
- Service (auto): 800-437-5556 or 833-511-7625
- Service (homeowners): 844-208-1935
- Claims mailing address: Varies by state
- Website: https://www.plymouthrock.com/
State availability
Plymouth Rock auto and home insurance is available in CT, MA, NH, NJ, NY and PA. Its term life insurance is only available in New Jersey.
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
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze October 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 single, 40-year-old male and female driver with a clean 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 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 16-18 added to their parents' policy reflect the good student and driver's training discounts applied.
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
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:
- 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 Score
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.
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. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average 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, Demotech 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.