Plymouth Rock Auto Insurance Review for 2024

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

UPDATED: Jun 20, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts. Rating: 1 star1 star1 starno starno star
Do you live in Massachusetts, Connecticut, New Hampshire, or New Jersey? If so, and if you’re in the market for a new automotive insurance policy, then Plymouth Rock Insurance might be worth considering. They offer both homeowner’s and automobile insurance to drivers living in the four states where they currently do business. The company has been around since 1982 when former insurance commissioner Jim Stone decided to use his industry expertise in order to give motorists another option for coverage.

Plymouth Rock Insurance Review

At first glance, it appears as though Plymouth Rock is in good standing both with customer service as well as their financial strength. AM Best has given them an A- rating, which means that the company is currently stable and is likely to stay that way in the near future. And while their customer service ratings are high, it should be noted that of the 17 customer reviews for Plymouth Rock on the BBB website, 82″ of them are overwhelmingly negative.

Ratings Agency Rating
AM Best Financial Strength Rating (2016) A-
Better Business Bureau (2016) A+
NAIC Complaint Index (2012) 0.41 (Better than Average)
Complaint Ratio per Vehicle (NJ, 2012) 4 / 455,045 (Better than Average)

Plymouth Rock Insurance Discounts

It is very common for insurance providers to offer discounts to their customers. Whether they do it to attract new business or encourage existing customers to stay, automotive insurance discounts are a win-win for both customers and insurers alike. Below are some estimates on what discounts you might qualify for from Plymouth Rock, and the maximum amount you could possibly save if you qualify for said discount. But not all discounts are available in all states, so be sure to confirm this information with your local Plymouth Rock agent:

Discount Maximum Possible Savings
Anti-Theft Devices 36%
Safe Driver 25%
Good Student 5%
Payment in Full 4%
Driver Training 5%
Electronic Documents 5%

Plymouth Rock Auto Insurance Options

Plymouth Rock divides their available coverages into two different categories: Compulsory, and Optional. The compulsory coverage options are those that Plymouth Rock must sell you if you request an auto policy from them because they cover the minimum requirements mandated by state law for legal driving. The optional coverages are, well, self-explanatory. These are the compulsory coverage options:

  • Bodily Injury Liability ($20,000/$40,000)
  • Personal Injury Protection ($8,000)
  • Uninsured Motorist Bodily Injury ($20,000/$40,000)
  • Property Damage Liability (known as “Damage to Someone Else’s Property”; $5,000)

If you want more protection, or if you want protections not legally mandated by state law, you have the option of purchasing the following additional coverages:

  • Underinsured Motorist Bodily Injury
  • Medical Payments
  • Collision
  • Limited Collision
  • Comprehensive
  • Substitute Transportation (rental car insurance)
  • Towing & Labor

Comparing Plymouth Rock Insurance Quotes

Below are some estimated quotes for drivers who are curious about Plymouth Rock insurance based on specific life circumstances which alter their risk profile:

Plymouth Rock Auto Insurance Quote ComparisonLegend: Plymouth Rock Senior Married CoupleSingle RenterYoung Driver < 25Married Homeowners 153045607590105120135150165$50$39$45$166

Senior Married Couple
Single Renter
Young Driver < 25
Married Homeowners






For the most part, Plymouth Rock predictably charges higher premiums for drivers who have a higher risk profile (such as young drivers, for example) and lower monthly premiums for drivers that aren’t as risky. However, even if you estimate that the married homeowners in the chart above are paying about $83 each per month, that still means that they’re paying higher premiums than drivers with a much higher risk profile, even though being older, married, and owning a home are supposed to be hallmarks of a low risk driver.

Pros and Cons of Plymouth Rock Insurance

Pro Con
Policies can be easily customized across coverage amounts, types, and features Policies limited to Massachusetts, Connecticut, New Hampshire, and New Jersey
Excellent and convenient rewards features, including “Get Home Safe” and “Crashbusters” mobile claim service

For those drivers in the northeast who live in the states where Plymouth Rock operates, obtaining a quote from them and comparing it to your current insurance costs, along with other quotes from local providers, may help you find a good deal on your automotive insurance coverage. However, drivers who don’t live within Plymouth Rock’s coverage area won’t be eligible for any possible savings. And homeowners might not get the best deal from Plymouth Rock based on the estimated quotes our research discovered. Still, we haven’t found any reason why they should be excluded from your auto insurance comparison search. It’s the only way to make sure you get the best coverage for a fair price.

Corporate Headquarters
695 Atlantic Avenue
Boston, MA 02111
Phone: 617-720-1620
Fax: 617-951-1662

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption