Plymouth Rock
- Offers a wide range of coverage options.
- Many discounts are available, depending on your state.
- All new auto policies include perks like up to $50 for a one-time cab ride and valet claim service.
- Available in only six states.
NerdWallet's take on Plymouth Rock auto insurance
Plymouth Rock earned 4.9 stars out of 5 in our analysis for its coverage options, useful website and digital tools, and for receiving far fewer complaints than expected for its size.
Best for: Drivers looking for coverage options, like gap insurance, better car replacement and a death benefit payable after the deaths of certain passengers.
Not ideal for: Drivers who live outside the Northeast.
Where Plymouth Rock car insurance stands out
Coverage tiers. Plymouth Rock offers drivers four different tiers of car insurance coverage, plus the option to buy some insurance types on their own. This could be attractive if you want to customize your coverage.
Helpful website and app-based insurance programs. Plymouth Rock scored highly in our analysis of car insurance companies for its website’s quality. You can also participate in one of Plymouth Rock’s app-based insurance programs and earn a lower car insurance rate, or earn points that you could use on gift cards.
Local partnerships. If you support a sports team in your area, Plymouth Rock’s partnerships with teams around New York and New England could help you land discounted tickets and special access to fan events.
Where Plymouth Rock car insurance falls short
Limited availability. Plymouth Rock only writes coverage in a handful of states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania.
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How much does Plymouth Rock car insurance cost?
The average cost of car insurance from Plymouth Rock is $352 per month or $4,227 per year for full coverage, according to our November 2025 analysis.
Although Plymouth Rock offers car insurance in six states, we have rates in just Massachusetts and New Jersey. Since insurance costs vary by location, vehicle, coverage needs and more, we recommend comparing insurance quotes on your own before you decide whether an insurer is right for you.
Massachusetts: Plymouth Rock costs an average of $125 per month or $1,494 per year for full coverage in Massachusetts. The statewide average is $1,778.
New Jersey: Plymouth Rock costs an average of $407 per month or $4,888 per year for full coverage in New Jersey. The statewide average is $3,537.
Plymouth Rock auto insurance rates by age
Your age influences your car insurance rates, too. In the first few years you have your license, you’ll pay more for car insurance than older drivers. Your rates should get closer to average as you gain experience driving, but only if you avoid violations and accidents.
It’s often a lot cheaper for young drivers who need car insurance to join a parent or guardian’s policy than it is to buy a separate policy. Plymouth Rock offers a few discounts to some college- and high school-age students who have good grades or are a part of on-campus groups.
Here are Plymouth Rock's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Plymouth Rock car insurance for 20-year-old drivers is $7,219 per year, or $602 per month.
Adult drivers. The average cost of Plymouth Rock car insurance for 40-year-old drivers is $4,165 per year, or $347 per month.
Senior drivers. The average cost of Plymouth Rock car insurance for senior-age drivers who are 60 years old is $4,101 per year, or $342 per month.
- More Plymouth Rock auto rates by age
Age Company median rate National median rate 20 $7,219 $4,684 30 $4,324 $2,375 35 $4,227 $2,300 40 $4,165 $2,232 50 $4,084 $2,074 60 $4,101 $1,988 70 $4,293 $2,125
Plymouth Rock auto insurance rates by driver profile
Your car insurance rates will likely get more expensive after a driving violation or accident. Your rates won’t be higher than average forever, though. Rates may go down in a few years as long as you maintain a good driving record.
In many states, insurers may consider your credit-based insurance score, which is tied to your credit history, to set rates. A lower score usually means that you’ll pay much more than average for coverage.
Below are Plymouth Rock's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of Plymouth Rock car insurance for drivers with poor credit is $10,476 per year, or $873 per month.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Plymouth Rock car insurance for a driver with a speeding ticket is $4,998 per year, or $417 per month.
At-fault crash. The average cost of Plymouth Rock car insurance for a driver with an at-fault crash is $5,231 per year, or $436 per month.
DUI. The average cost of Plymouth Rock car insurance for a driver with a DUI is $4,991 per year, or $416 per month.
Plymouth Rock auto insurance discounts
Plymouth Rock offers different sets of discounts in each state where it operates. Depending on your state, you may be able to save on auto insurance by:
Having a student on your policy who is away at school.
Taking a state-approved defensive driving course.
Buying multiple insurance products from Plymouth Rock.
Paying your policy in full all at once.
Maintaining a clean driving record.
Getting good grades if a driver is in high school or college.
Owning a car with safety and anti-theft equipment.
Insuring multiple cars.
Adding a teen driver to your policy.
Getting a quote for coverage more than seven days before the start of your policy.
Being a member of certain motor clubs or college groups.
Being an alum of certain colleges.
Receiving your policy documents electronically.
Being a current or retired educator in New Jersey.
If you’re looking for the cheapest auto insurance rates possible, you may have to buy the minimum amount of car insurance your state requires. We recommend more coverage if you can afford it, however. Otherwise you may not have enough coverage to pay for the damage that a serious accident causes.
Plymouth Rock car insurance coverage
Plymouth Rock's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Plymouth Rock also offers a variety of other car insurance options through different tiers of coverage. You can choose between the Assurance Plus, Preferred and Premier tiers, or add a few types of coverage on their own.
All new Plymouth Rock car insurance policies include:
On-demand claim inspections. Plymouth Rock will send somebody to inspect your vehicle’s damage at a place and time you choose.
Claim valet service. The insurer will take your car to the repair shop and get it back to you once it’s ready.
Get Home Safe program. Reimburses customers up to $50 for one cab ride home per policy year if they need a safer alternative to driving.
You may qualify for Plymouth Rock’s Assurance Plus package if you’ve been insured for three years or are a member of certain motor clubs.
Additional rental coverage increases daily rental coverage limits if your policy includes rental coverage.
Personal property, laptop and mobile device replacement coverage pays for the cost to repair or replace items damaged in a covered incident, up to your coverage limits, with no deductible.
Pet injury coverage pays for veterinary care or other expenses if your pet is injured during a covered accident.
Seat belt and airbag benefits that, in the event of a covered death, will pay a certain amount if the deceased person was wearing a seatbelt properly and an airbag deployed at the time of the covered accident.
Child car seat replacement pays to replace your car seat if it is damaged in a covered accident, up to the coverage limit.
Waiver of collision deductible may waive your collision deductible if your car is damaged by another Plymouth Rock customer and the accident wasn’t your fault.
Enhanced bail bond coverage helps cover you if you have to pay bail bonds after a covered accident.
Loss of earnings coverage helps pay for loss of income if you’re required to attend a hearing or trial as a result of an accident.
Waived deductible on glass repairs for glass damage smaller than a quarter caused during a covered loss.
Who might need it? A home, renters, life or pet insurance policy may offer similar property, pet and death or injury coverage. If you already have one of these policies, check to see how that coverage compares to the coverage offered here from Plymouth Rock.
Customers who choose the Assurance Preferred package get:
Roadside assistance helps pay for services if you’re stranded after a breakdown, such as towing, a tire change, emergency fluid delivery and battery service. Coverage is included in New Jersey and Pennsylvania.
Windshield replacement deductible waiver doesn’t require a your deductible for covered windshield replacements.
Additional towing and labor coverage raises your towing and labor coverage limit from and allows you to choose your own tow truck operator.
Waiver of depreciation eliminates the deduction for depreciation on parts repaired or replaced as part of a covered loss.
Airbag accidental discharge pays for a new airbag if yours deploys outside of an accident.
Pet injury coverage, provides coverage if your pet is injured during a covered accident.
Who might need it? It depends on the type of coverage you want. The roadside assistance and additional towing coverage could be especially useful if you take a lot of longer trips. The pet injury coverage may also be useful if you take rides with your cat or dog and you don’t already have pet insurance.
Customers who choose the Assurance Premier package get all the coverage types of the Preferred package, plus:
Deductible credits. Rewards you with $50 you can use on deductible payments every year you go without a claim.
Trip interruption coverage. Pays for lodging and meal expenses if you’re in a covered accident more than 100 miles from home.
New car replacement. Pays for a new car of the same make, year and model if yours is totaled within the first two years of ownership.
Plus-one car replacement. Pays for a car one model year newer if yours is totaled in an accident and was more than two model years old at the time of the crash.
Gap insurance. Pays the difference between your car’s value at the time it’s totaled and the remaining balance of your car’s loan.
Electronic key replacement coverage. Pays for the cost of replacing a lost or stolen electronic key, up to the coverage limit.
Roadside assistance coverage. Available to drivers in Connecticut, Massachusetts, New Jersey and Pennsylvania.
Who might need it? You may need the Assurance Premier package if you drive a vehicle you lease or financed with a loan. Loans and leasing agreements may require you to have gap insurance. Even if you don’t need to have it, gap insurance could help you avoid paying off a loan balance yourself. Otherwise, it depends on whether you’re interested in this group’s other coverage types.
Plymouth Rock also offers the following add-on coverages:
Accident forgiveness. Keeps your premium from increasing after a qualified accident.
Full glass coverage. Pays for glass repairs without requiring you to pay your comprehensive deductible.
$100 glass deductible. Allows you to pay a separate $100 deductible for glass-only claims, not your comprehensive coverage deductible.
Waiver of deductible. Waives your collision deductible in certain situations.
New car replacement or gap insurance. Available to purchase on their own instead of as parts of the Premier package.
Who might need these coverages? You might opt for Plymouth Rock’s individual coverage options instead of its coverage packages if they fit better with your needs and budget. The variety the coverage packages offer may be appealing, but if you really only need one or two optional types of coverage, picking a couple may work better for you.
Finally, Plymouth Rock has a special coverage package you qualify for if you’re a part of a partnering motor club, or you’re going into your fourth term with the insurer. Drivers who qualify get access to:
Additional rental coverage.
Property, laptop and mobile device replacement.
Pet injury coverage.
Seat belt and airbag benefits.
Child car seat replacement.
Waiver of collision deductible.
Enhanced bail bond coverage.
Loss of earnings coverage.
Waiver of deductible for glass repairs.
It's important to understand what coverage you want and what you’re required to buy. To find the cheapest car insurance rates regardless of the amount of coverage you need, compare quotes before you buy a policy.
Plymouth Rock usage-based program/pay-per-mile program
YUBI is Plymouth Rock’s usage-based insurance program. When you participate, you agree to share details about your phone use, speed, acceleration, braking, mileage and the time of day you drive.
You earn a discount by signing up for YUBI, and another that depends on how well you drive. It’s also possible that YUBI will cause your rates to go up.
Plymouth Rock also has Road Rewards. Road Rewards gives you points based on your braking, cornering, speed and phone usage. Earn enough points and you can redeem them for gift cards for Amazon, Starbucks, Spotify and Apple.
Is Plymouth Rock a good insurance company?
Plymouth Rock compares well to other car insurance companies. Its website and app are easy to use and allow you to manage most of your policy online. Depending where you live, you could get access to a range of discounts and coverage options.
Complaints: Plymouth Rock receives far fewer complaints than expected for its size, according to the National Association of Insurance Commissioners.
Customer satisfaction: Plymouth Rock ranks second to last for customer satisfaction in the Mid-Atlantic region of J.D. Power’s Auto Insurance Survey. It ranks below average in the New England region of the same study.
Notably, Plymouth Rock also has partnerships it has with local professional teams. Fans of the New York Yankees, Boston Red Sox, New England Patriots and Boston Bruins may access perks like discounted tickets and concessions, concert presales, and stadium tours for a yearly fee, depending on the team they choose.
Plymouth Rock will also make a charitable donation of $25 to one of several charities a customer can choose from if the customer isn’t satisfied with their experience.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about Plymouth Rock car insurance
There are a few ways that you can contact Plymouth Rock.
Customer service: You can reach Plymouth Rock over the phone at 800-437-5556 if you bought your policy online, or at 833-511-ROCK (7625) if you bought it from an independent agent. You can also email rockcare@plymouthrock.com.
Website: The website is intuitive, easy to use, loaded with info. Plymouth Rock provides detailed coverage and discount information for each state where it offers coverage. You can also manage your policy online using Plymouth Rock’s user hub.
Mobile app: Plymouth Rock’s mobile app allows you to view your policy, access insurance cards, pay your bills, make changes to your coverage, and manage claims. It’s available on iOS and Android.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Does Plymouth Rock sell auto insurance nationwide?
Does Plymouth Rock sell auto insurance nationwide?
No, Plymouth Rock sells auto insurance in six states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.
How do I file a claim with Plymouth Rock?
How do I file a claim with Plymouth Rock?
You can track and file your claim on Plymouth Rock’s app or website, or over the phone.
What special perks does Plymouth Rock offer?
What special perks does Plymouth Rock offer?
Every new Plymouth Rock customer has access to the following perks at no additional cost:
On-demand inspections and valet claim service.
Up to $50 a year for a one-time cab ride so you can avoid driving when impaired.
Discounted tickets and fan event access to some sports teams.
Choosing a charity for Plymouth Rock to donate to if they are not satisfied with their experience.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
