Plymouth Rock Auto Insurance Review
Plymouth Rock has one of the most impressive coverage selections of any insurer in the country, but very high rates make it hard to recommend to most people.
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Plymouth Rock has one of the most impressive breadths of car insurance coverages in the United States. Chances are good that if there's a kind of car insurance coverage you're looking for, Plymouth Rock offers it — there are dozens of extras and perks included in its variety of insurance packages, from the default Essential Assurance to the highest-tier Assurance Premier.
However, these perks come at a cost. Plymouth Rock was the most expensive option among the major insurers we compared it to, and its rates were about 60% more expensive than the average.
Pros and cons
Pros
Lots of coverage extras
Cons
Doesn't offer very basic coverage
Expensive rates
Plymouth Rock car insurance quotes
Rates at Plymouth Rock tend to be much more expensive than competing companies. A 30-year-old driver in the Boston area can expect to pay about $1,364 per year for a basic policy, or $3,812 per year for full coverage. These both work out to be about 60% more expensive than the average among insurers in Massachusetts, and more than twice as expensive as the cheapest options.
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Annual premiums: Plymouth Rock vs. competitors
Insurer | Minimum coverage | Full coverage |
|---|---|---|
| Plymouth Rock | $1,364 | $3,812 |
| Safety | $474 | $1,333 |
| Geico | $594 | $1,742 |
| Arbella | $836 | $2,562 |
| Progressive | $995 | $2,341 |
Plymouth Rock auto insurance coverage
Plymouth Rock has an exceptional range of coverage options and extras, and they're the primary reason to consider choosing Plymouth Rock.
Every policy sold includes Plymouth Rock's Essential Assurance coverage package. This includes guaranteed repairs, car repair valet service and a few others.
Once a Plymouth Rock customer has been with the insurer for three years, they're upgraded to Assurance Plus, which includes additional perks such as pet injury coverage and mobile device coverage.
Customers can also upgrade to the Assurance Preferred or Assurance Premier packages. While many of these perks may have niche value, drivers looking for complete protection from their insurer will likely find the extras appealing.
Plymouth Rock coverage packages
Benefit | Essential Assurance | Assurance Plus | Assurance Preferred | Assurance Premier |
|---|---|---|---|---|
| Crashbusters | O | O | O | O |
| Valet claims | O | O | O | O |
| Guaranteed repairs | O | O | O | O |
| Get home safe taxi ride | O | O | O | O |
| Online services | O | O | O | O |
| Pledge of Assurance | O | O | O | O |
| Additional rental coverage | — | O | O | O |
| Mobile device replacement | — | O | O | O |
| Pet injury coverage | — | O | Increased | Increased |
| Laptop replacement | — | O | O | O |
| Seatbelt/airbag benefits | — | O | O | O |
| Child car seat replacement | — | O | O | O |
| Personal property damage | — | O | O | O |
| Collision deductible waiver | — | If other driver is PR customer | If other driver is PR customer | If other driver is PR customer |
| Enhanced bail bond coverage | — | O | O | O |
| Loss of earnings coverage | — | O | O | O |
| Glass repair deductible waiver | — | If damage is smaller than a quarter | No deductible on windshield damage | No deductible on windshield damage |
| Roadside assistance | — | — | NJ/PA residents only | Nationwide |
| Additional towing and labor | — | — | O | O |
| Depreciation waiver on worn parts | — | — | O | O |
| Airbag accidental discharge | — | — | O | O |
| Deductible reduction | — | — | — | O |
| Trip interruption | — | — | — | O |
| New car replacement | — | — | — | O |
| Plus one car replacement | — | — | — | O |
| Loan/lease gap coverage | — | — | — | O |
| Electronic key replacement | — | — | — | O |
In addition, Plymouth Rock customers can add the following coverage options à la carte:
- Accident forgiveness: Eliminates the cost increase associated with one at-fault accident.
- Glass coverage: Reduces or eliminates the deductible on a glass-only comprehensive claim (such as if a rock cracks your windshield).
- Deductible waiver: Eliminates the deductible for collision coverage under certain circumstances.
- Gap coverage: Pays for the gap between your car's value and what you owe if it's totally destroyed in a crash.
- New car replacement: Pays for the complete replacement of your car within the first two years of you buying it, if it's destroyed or stolen.
- Rideshare coverage: Covers crashes that occur while you are working as a rideshare driver, such as with Uber or Lyft.
- Roadside assistance|: Pays for a tow or other roadside assistance, such as extra fuel.
Plymouth Rock also has all the typical coverages you'd expect from a car insurance company, including:
- Liability coverage for personal injury and property damage
- Uninsured/underinsured motorist protection
- Personal injury protection (PIP)
- Medical payments coverage
- Collision coverage
- Comprehensive coverage
Customer service reviews and ratings
Plymouth Rock has about average customer service reviews from customers. The National Association of Insurance Commissioners gave it a complaint index of 0.88, meaning it's received 88% as many complaints as a typical insurer of the same size — slightly better than average.
However, it received a below-average rating in J.D. Power's consumer satisfaction survey, suggesting customers weren't universally happy with the service they received.
It's worth noting that Plymouth Rock has an A- Financial Strength Rating from A.M. Best, a financial reporting agency. This score means that the company has an excellent ability to pay out claims, even during times of high claim demand or a negative economic climate.
Plymouth Rock customer service ratings
Agency | Rating |
|---|---|
| NAIC | 0.88 (better than average) |
| J.D. Power - New England | 808/1000 (worse than average) |
| J.D. Power - Mid-Atlantic | 827/1000 (worse than average) |
| A.M. Best | A- ("Excellent") |
Where is Plymouth Rock Insurance available?
Plymouth Rock primarily operates in New England and the Northeast United States. It sells insurance in six states: Connecticut, Massachusetts, New Hampshire, New York New Jersey and Pennsylvania.
Frequently asked questions
Is Plymouth Rock a good insurance company?
Plymouth Rock has an impressive selection of optional coverages but has much higher rates than we found at competing insurers. We only recommend it if you're looking for a specific type of coverage you can't find elsewhere.
Does Plymouth Rock have accident forgiveness?
Yes, Plymouth Rock offers accident forgiveness for an extra fee.
Where is Plymouth Rock insurance available?
Plymouth Rock sells insurance in Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania.
Methodology
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Our quotes are based on rates for a single 30-year-old male living near Boston, Massachusetts. He drives a 2015 Honda Civic EX and has no recent car insurance claims or traffic citations.
About the Author
Managing Editor
Ben Breiner is the Managing Editor of ValuePenguin/LendingTree's insurance vertical. He oversees a team of writers who focus on guiding readers through the rigors of home and auto coverage. He still loves that moment when the words fall together and he can translate an intimidating topic so a reader can make the best choice.
Ben got involved in insurance in 2021 when he joined ValuePenguin. He moved up from writer to editor and watched the team grow to expand the ways it helps consumers. Before that, he spent a decade as a sportswriter for newspapers in the Southeast and Midwest.
Ben had to put off buying his first car because of high insurance rates, so he's keenly aware how the wrong policy can get in the way of your goals. He should've shopped around and looked to the experts.
Insurance tip
Always keep an eye out for insurance you can load up on at a low price. A lot more liability coverage won't break the bank and protects your hard-earned assets.
Expertise
- Car insurance
- Home insurance
- Renters insurance
Education
- BA, Economics and Journalism, University of Wisconsin-Madison
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
