Plymouth Rock Auto Insurance Review 2024

Profile photo of Isabel Contreras
Written by Isabel Contreras
Lead Writer
Profile photo of Ben Moore
Edited by Ben Moore
Assistant Assigning Editor
Fact Checked

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.


Plymouth Rock

Plymouth Rock offers auto insurance in six Northeastern states and offers a wide variety of coverage types and discounts.


Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected

Plymouth Rock

Plymouth Rock offers auto insurance in six Northeastern states and offers a wide variety of coverage types and discounts.


Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected

Plymouth Rock is currently unrated and will receive a NerdWallet star rating later this year. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Founded in 1982, Plymouth Rock Assurance is a small company that writes auto insurance policies in six states only: Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania.

Plymouth Rock also sells other types of insurance, including homeowners, renters, umbrella, term life, flood and pet insurance. You can get a policy online, through an agent or over the phone. You can also purchase Plymouth Rock auto insurance from Prudential financial advisors in Connecticut, New York, New Jersey and Pennsylvania.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. 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 both the kind of discounts a company offers and the total number of discounts available.

Plymouth Rock auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Plymouth Rock offers typical car insurance coverage options, including comprehensive and collision coverage, rental reimbursement, plus roadside assistance for drivers in New Jersey and Pennsylvania.

All 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, which reimburses customers up to $50 for one cab ride home per policy year in the event they need a safer alternative to driving.

Customers who have been insured with Plymouth Rock for three years, are active members of a Plymouth Rock-approved motor club or reside in New York State also get the following perks through the Assurance Plus package:

  • 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 $5,000 if the deceased person was wearing a seatbelt properly and $10,000 if 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 refund your collision deductible if your car is legally parked and hit by a vehicle, or if it’s hit in the rear by another car moving in the same direction.

  • Enhanced bail bond coverage covers you up to your policy limits if you have to pay bail bonds after a covered accident.

  • Loss of earnings coverage pays for loss of income up to the coverage limit 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.

Customers who choose the Assurance Preferred package also get:

  • Roadside assistance, which includes towing, flat tire assistance, locked-out service, emergency fluid delivery, battery service and concierge service for drivers in New Jersey and Pennsylvania.

  • Windshield replacement deductible waiver, which waives your deductible for covered windshield repairs.

  • Additional towing and labor coverage raises your towing and labor coverage limit from $75 to $125 and allows you to choose your own tow truck operator.

  • Waiver of depreciation eliminates the deduction typically made for replaced and repaired parts that have lost their value.

  • Airbag accidental discharge pays for a new airbag if yours deploys outside of an accident.

  • Pet injury coverage, provides $500 of coverage if your pet is injured during a covered accident.

Customers who choose the Assurance Premier package get all the coverage types of the Preferred package, plus:

  • Deductible credits rewards you with $50 towards deductible payments every year you go without  a claim.

  • Trip interruption coverage, which 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 your remaining loan balance.

  • Electronic key replacement coverage pays for the cost of replacing a lost or stolen electronic key, up to the coverage limit.

Depending on your state, 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 all glass repairs without requiring you to pay your comprehensive deductible.

  • $100 glass deductible lowers your deductible to $100 for glass-only claims.

  • Waiver of deductible may refund your collision deductible if your car is legally parked and hit by a vehicle, or if it’s hit in the rear by another car moving in the same direction.

Auto insurance discounts

Depending on your state, you may be able to save on your auto policy 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.

  • 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.

  • Being a current or retired educator in New Jersey.

  • Signing up for YUBI, Plymouth Rock’s safe-driving telematics program.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Pricing based on your driving habits

Drivers can enroll in Plymouth Rock’s Road Rewards telematics program for free, where they can earn points for driving safely. Their driving habits are tracked through the Road Rewards mobile app, and the points are redeemable for gas, Amazon gift cards, Apple gift cards and more. Enrolling in this program has no effect on drivers’ premiums.

Plymouth Rock also offers usage-based insurance, another telematics program they call YUBI. Drivers who sign up for this program and install a mobile app on their phone that tracks their driving behavior may qualify for an initial participation discount on their policy. If they practice safe driving, they may qualify for even larger discounts.

Complaints and customer satisfaction

Plymouth Rock had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

2024 J.D. Power study

Plymouth Rock ranking

Overall Customer Satisfaction (Mid-Atlantic)

No. 12 out of 14 companies.

Overall Customer Satisfaction (New England)

No. 11 out of 12 companies.

More about Plymouth Rock auto insurance

Plymouth Rock’s website lets customers pay bills, get a quote, file and keep up with claims, print ID cards and more. The insurer also has a mobile app that lets customers use a virtual insurance card, pay their bills, file and manage claims, update their policies and more.

Plymouth Rock has partnerships with the New York Yankees, Boston Red Sox, New England Patriots and Boston Bruins that give policyholders access to 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.

Other insurance from Plymouth Rock

Plymouth Rock offers other types of insurance, including:

  • Homeowners insurance.

  • Condo insurance.

  • Renters insurance.

  • Commercial auto insurance.

  • Motorhome insurance.

  • Motorcycle insurance.

  • Umbrella insurance.

  • Pet insurance.

  • Term life insurance.

Frequently asked questions

No, Plymouth Rock sells auto insurance in six states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.

You can track and file your claim on Plymouth Rock’s app or website, or by calling 800-437-5556. For questions about towing, call 855-513-5174.

Every 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.

  • Online access to bill payment and claim reporting tools.

  • Choosing a charity for Plymouth Rock to donate to if they are not satisfied with their experience.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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.

In this review . . .