Plymouth Rock Auto Insurance Review 2024

Plymouth Rock earned 4.5 stars out of 5 for overall performance. 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.

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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.

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 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 damaged by another Plymouth Rock customer and you're not at fault for the accident.

• 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 caused during a covered loss.

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 uses a separate $100 deductible for glass-only claims without using your comprehensive coverage deductible.

• Waiver of deductible may waive your collision deductible in certain situations.

» MORE: Compare car insurance rates

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.

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.

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.