Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Founded in 1982 by Jim Stone, former insurance commissioner for the Commonwealth of Massachusetts, Plymouth Rock offers a number of insurance products, including car insurance and homeowners insurance.[1] The company serves customers across six states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.
While Plymouth Rock offers fewer add-ons and discounts than other insurance companies, it offers slightly lower rates and provides personalized service through local agents across the country. Here’s what you need to know about Plymouth Rock so you can determine if the company is a good option for your situation.
Quick Facts
Plymouth Rock offers full-coverage insurance for $137 per month and liability insurance for $95 per month, on average.
The company has several discounts for policyholders who want low rates, such as a multi-car discount, safe driver discount, and anti-theft device discount.
You can get a Plymouth Rock insurance quote online, over the phone, or through an independent agent.
How Plymouth Rock compares to other insurance companies
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
3.7
A solid optionBased on 240 verified guest reviews and ratings
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
Reviews (123)
Bonnie
April 27, 2025
Verified Review
I Had to Change
I liked how friendly and professional they were, but for liability only and traveling less than 10 miles with no accidents in three years, I should have gotten a better rate for a 2004 liability. The rate was going up and upwards.
Peter
April 19, 2025
Verified Review
Not Happy
My rate has increased by $60 per month, even though I have no accidents, tickets, or claims of any kind.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
812
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Plymouth Rock has slightly more affordable car insurance premiums than similar car insurance companies, such as Travelers and Mercury. But it scores worse for financial strength and doesn’t offer as many optional insurance products and discounts. And its coverage is only available in a handful of states, while other insurers have a nationwide presence.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
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4.8/5
Plymouth Rock car insurance coverage options
Plymouth Rock offers liability insurance, which every state except New Hampshire requires, and includes coverage for injuries and property damage. Comprehensive and collision coverages are also available for drivers who prefer extra protection while behind the wheel.
Here are several other car insurance coverage options available from Plymouth Rock:
Full glass coverage
If your window or windshield sustains damage, full glass coverage will cover the repair costs. Typically, there’s no deductible involved.
New car replacement coverage
New car replacement will pay to replace your vehicle with a brand new one of the same make and model if yours becomes a total loss after a covered incident. You also won’t have to worry about getting reimbursed for the actual cash value or depreciated value of your car.
Loan/lease gap coverage
If you total your car or someone steals it, gap insurance will pay the difference between what you owe on your loan or lease and the current value of your vehicle. Some lenders and companies will require you to carry gap coverage as part of their loan or lease.[2]
Towing and labor coverage
Towing and labor coverage can help cover towing and labor costs after your vehicle gets damaged in an accident or breaks down due to a mechanical failure. It may reimburse you for towing, jump-starts, tire changes, and related services.
How to get a quote from Plymouth Rock Insurance
To get a quote and learn about Plymouth Rock’s rates, you can call 1 (855) 993-4470 and speak to a representative. Another option is to visit the insurer’s website and plug in your ZIP code for an online quote.
You may also be able to work with a local insurance agent for free quotes and more personalized service.
Plymouth Rock car insurance discounts
Car insurance discounts can help you score lower premiums and competitive rates on an auto policy.[3] Fortunately, Plymouth Rock advertises several discounts that may save you money on your car insurance coverage, including:
Multi-car discount
Bundling discount
Safe driver discount
Anti-theft device discount
eDocuments discount
How customers feel about Plymouth Rock Insurance
Plymouth Rock has earned 2.0 out of 5 stars on Trustpilot, out of 11 reviews. The auto insurance company received a similar rating of 1.15 out of 5 stars on the Better Business Bureau (BBB) website based on 27 reviews. Most of the negative complaints are related to poor experiences with customer service and the claims process.
Positive reviews were minimal.
Plymouth Rock Insurance customer reviews
Below, you’ll find real, verified insurance reviews from customers who’ve had actual experiences with Plymouth Rock and its car insurance offerings.
Bonnie - April 27, 2025
Verified
I Had to Change
I liked how friendly and professional they were, but for liability only and traveling less than 10 miles with no accidents in three years, I should have gotten a better rate for a 2004 liability. The rate was going up and upwards.
Peter - April 19, 2025
Verified
Not Happy
My rate has increased by $60 per month, even though I have no accidents, tickets, or claims of any kind.
Janice - April 15, 2025
Verified
Poor
Too expensive.
Ralph - April 12, 2025
Verified
Shopping around
It's too costly for a senior citizen.
…
Plymouth Rock Insurance ratings
Ratings from organizations like AM Best, J.D. Power, and the National Association of Insurance Commissioners (NAIC) show the quality, health, and reliability of Plymouth Rock insurance. The insurer has excellent financial strength and a low complaint score from the NAIC Complaint Index of 0.11. But even though it earned decent customer satisfaction ratings from J.D. Power, its competitors scored higher.
Here’s a closer look at the ratings Plymouth Rock receives.
Rating
Score
What This Means
AM Best
A-
Excellent ability to meet financial obligations
J.D. Power
807/1,000
Worse than many competitors
NAIC Complaint Index
0.11
Very low number of complaints for a company of its size
Other options for Plymouth Rock customers
In addition to personal and commercial car insurance, Plymouth Rock offers a number of other insurance products, including:
Home insurance: Plymouth Rock lets you customize your home insurance policy with a wide variety of coverage options. You can add on home systems breakdown insurance, utility service line coverage, or identity protection.
Renters insurance: If you rent a property, your landlord may ask to invest in renters insurance to protect your personal property. Plymouth Rock’s rental insurance covers your belongings, lawsuits, medical bills, and emergency living expenses.
Umbrella insurance: Umbrella insurance is designed to cover claims that exceed the limits of your car or home insurance policies. An umbrella policy through Plymouth Rock can give you some additional peace of mind in the event of a lawsuit or natural disaster.
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How to file a claim with Plymouth Rock
Follow these steps to file a car insurance claim with Plymouth Rock:
Submit your claim. You can do this online, over the phone, or through the mobile app. No matter which route you take, be sure to have your policy number and personal information on hand.
Track your claim. Once you receive your claim number, you can track the status of your claim 24/7. All you have to do is log in to your online portal.
Go through the damage evaluation. If your car has damage that your auto policy will hopefully cover, Plymouth Rock offers three evaluation options. You can take a photo of your damage, ask a representative to appraise it in person, or let the insurer pick up your vehicle and take care of your repairs.
Get your vehicle repaired. Plymouth Rock encourages you to bring your vehicle into a repair shop in its network. But you can choose your own repair shop if you prefer.
Collect your settlement. The auto insurance company will either pay the repair shop or reimburse you directly. You can choose to receive payment through Zelle, direct deposit, a paper check, or an eCheck.
Plymouth Rock Assurance FAQs
Here’s some additional information about car insurance through Plymouth Rock that can help you decide if it’s the right insurance company for your needs.
Is Plymouth Rock Assurance legitimate?
Yes. Plymouth Rock Assurance is a reputable regional auto insurance company that’s been in business since 1982. It earns high ratings, including an AM Best financial strength rating of A- (Excellent) and A+ from the BBB.
Is Plymouth Rock Assurance good at paying claims?
Yes. Plymouth Rock earned an A- (Excellent) rating from AM Best for financial strength as well as a J.D. Power rating of 807/1,000 for customer service. You should be able to count on this insurer to pay any claims you may file.
How do I cancel my Plymouth Rock Assurance policy?
To cancel your Plymouth Rock insurance policy, call 1 (800) 437-5556. You can also contact your local agent to go through the process.
What is Plymouth Rock insurance also known as?
Plymouth Rock is also known as Plymouth Rock Assurance Corporation and Plymouth Rock Management Company of New Jersey. It might also be referred to as Pilgrim Insurance Company.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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