Plymouth Rock insurance review 2025

Plymouth Rock car insurance cost

The average cost of car insurance in the U.S. is $2,692 per year for full coverage, according to Bankrate’s analysis of premiums collected by Quadrant Information Services. Minimum coverage, which does not usually include collision or comprehensive, costs an average of $808 per year. Keep in mind that your premium will be based on information that is specific to you and your vehicle and is likely to be different from the average. Plymouth Rock's average for full coverage is $1,698, while minimum coverage is $573.

How much is Plymouth Rock car insurance?

Plymouth Rock car insurance rates will vary depending on multiple factors, including your driving record, age (in most states) and the make and model of your vehicle. Drivers who are considered high-risk, such as those with a DUI, may have more of a challenge in finding affordable coverage, and there are some companies that will not write policies for those with a DUI. If you are in this situation, contact a licensed agent to help you find the coverage that's right for you.

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.

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 37 percent less than the national average, and its minimum coverage policies cost 29 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.

Plymouth Rock customer satisfaction

Third-party insurance ratings are an effective way to gauge a company’s customer satisfaction and financial strength (which indicates its ability to pay out claims). 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 2024 U.S. Auto Insurance Study. In both regions, it ranked below the segment average. Plymouth Rock has an A- rating from AM Best for financial strength. While this falls into the “Excellent” category by AM Best standards, 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. However, for the past three years, complaint index data are unavailable for Plymouth Rock private passenger auto insurance.

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. According to the company, Road Rewards data will not 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 cost

Plymouth Rock's annual average premium for $300,000 in dwelling coverage is $1,851, which is 21 percent less than the national average of $2,329. 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. As is true with all insurance, higher limits are likely to mean increased premiums. Below are the average costs of different dwelling limits with Plymouth Rock compared to national averages.

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.

Plymouth Rock home insurance customer satisfaction 

Plymouth Rock was not included in the J.D. Power 2024 U.S. Home Insurance Study or the 2024 U.S. 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

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.

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 riders 

There are no life insurance riders listed on Plymouth Rock's website.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC). 
• 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 the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto 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 in 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.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
• 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 a 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 in 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.