Plymouth Rock Insurance Review

  • With 4.1/5 stars in 2024, Plymouth Rock is a good insurance company.
  • Read Plymouth Rock reviews, complaints and prices before you buy.
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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Plymouth Rock insurance: Ratings and reviews

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Rating from The Zebra Question mark icon

Plymouth Rock Assurance is a regional insurance company that offers insurance in a handful of northeastern states. Plymouth Rock could be a decent option if you want to avoid working with a large car insurance company. Though the company has a smaller operation with a limited customer pool, Plymouth Rock offers impressive car insurance coverage options and discounts that compete with the insurance market's major players. Plymouth Rock policyholders can expect some unique benefits — like mobile claims service and one-time cab fare coverage — and can choose from four tiers of auto insurance coverage. Policies can be customized further by taking advantage of some additional optional protections on offer.

The company garnered mixed reviews from reputable third parties; while Plymouth Rock has exceptional financial strength and very few consumer complaints, its customer satisfaction was not rated positively.

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4.1 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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Pros
  • Financial strength

  • Few customer complaints

  • Competitive rates

  • Many customizable coverage options

Cons
  • Limited availability by state


Is Plymouth Rock a good insurance company?

The majority of The Zebra's review incorporates how well Plymouth Rock scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

Trustpilot Reviews: 2.5/5

  • Plymouth Rock earned 2.5/5 stars from Trustpilot[1]

Customer Satisfaction: Below average

  • J.D. Power also rated Plymouth Rock as Below average in overall auto customer satisfaction[2]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Plymouth Rock[3]

Financial Strength: Excellent/Good

  • Plymouth Rock received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]

The Zebra Customer Satisfaction Survey

Alongside third-party ratings, we like to include results from our own customer survey. Feedback from real customers indicated which auto insurance companies are the best in multiple categories. While Plymouth Rock received an overall score of 8.27/10, we did not collect a sufficient amount of data on Plymouth Rock for it to be included in individual categories.


How much does Plymouth Rock insurance cost?

Currently, the national average for a 6 month car insurance policy is $880, whereas Plymouth Rock is about $862 or roughly 2% in premium difference versus a typical policy. Plymouth Rock offers competitive rates in line with the national average.

The table below shows how Plymouth Rock auto insurance compares against other top insurers. 

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
New York Central Mutual Fire $84
Travelers $112
GEICO $129
Amica Mutual $144
Plymouth Rock $144
Progressive $157
Mercury $182
AIG $295

Similar to any insurance company, pricing for Plymouth Rock auto insurance does vary based on your age and generally will get cheaper the older you get. The table below shows Plymouth Rock's car insurance premiums for different age brackets. 

Plymouth Rock Costs by Age Group
Age Group Avg. Monthly Premium
Teens $347
20s $172
40s $143
30s $143
50s $143
60s $138

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Discounts offered

  • Bundling: Get a bundling discount by enrolling in a home, condo, or renters insurance policy through Plymouth Rock.
  • Anti-theft/passive restraint devices: Devices like alarms, anti-lock brakes, automatic seatbelts and airbags can land you a discount on your policy.
  • Safe driver: Drivers with clean driving records can expect a lower premium.
  • Affinity or alumni groups: You may be eligible for a discount if you’re part of an approved affinity or alumni group.

Read more about Plymouth Rock's discounts here.

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What types of coverage does Plymouth Rock offer?

All of the standard auto insurance coverage types can be purchased via Plymouth Rock — liability, collision, comprehensive, uninsured/underinsured motorist and medical payments. This insurance company also offers four tiers of extra coverage — each of which comes with some unique perks and benefits — along with some optional coverages that can be added to a Plymouth Rock policy.

  • Accident forgiveness - For qualifying policyholders, Plymouth Rock won't raise your premium following a surchargeable accident upon the policy's renewal.
  • Full glass coverage - The comprehensive deductible won't be charged for glass-only claims.
  • New car replacement - Applicable for vehicles newer than two years old, new car replacement coverage will replace a totaled car with a new one (same model year, make and model).
  • Loan/lease gap coverage - If your vehicle gets totaled, the payout you receive may not be enough to cover the entire amount you owe for the lease or loan. This is due to deductions made for the depreciation of the car. Gap insurance is a coverage option meant to prevent such a situation, and Plymouth Rock will cover the difference.

Extra coverage options vary by state. Select your state here to see more.

Plymouth Rock Road Rewards

Plymouth Rock Road Rewards

Road Rewards is a program that rewards drivers for safe driving habits. Policyholders can enroll by downloading the Road Rewards mobile app (available for iOS and Android), where they can earn points that are redeemable for things like discounted gas, movie tickets and gift cards to Amazon.com, Spotify, Starbucks and Apple.

Read more details about this program here.


Plymouth Rock insurance review: Summary

If you live in a state in which Plymouth Rock operates, it's a solid option to pursue for your next car insurance company. With favorable customer reviews, decent rates and a long list of coverage options and discounts, Plymouth Rock is more than capable of providing a satisfactory policy. Overall, The Zebra believes that Plymouth Rock is a great option for customers within their coverage area. 

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.


Plymouth Rock insurance: Frequently asked questions

Plymouth Rock can be considered a good insurance company due to its financial strength, few customer complaints, competitive rates, and customizable coverage options. However, it's only available to residents of CT, MA, NH, NJ, NY, and PA.

Plymouth Rock primarily offers auto insurance, but they also provide home, renters, motorcycle, and umbrella insurance in specific regions.

Plymouth Rock offers insurance in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.

Unfortunately, J.D. Power does not have information on claims satisfaction for Plymouth Rock. However, they are considered financially strong and able to pay out claims despite a below-average rating for overall customer satisfaction.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.