Plymouth Rock Auto Insurance Review (2024)

Plymouth Rock Assurance, an insurance company that provides Connecticut auto insurance, Massachusetts auto insurance, New Hampshire auto insurance, New Jersey auto insurance, New York auto insurance, and Pennsylvania auto insurance, was established in 1982 by Jim Stone. Since its establishment, its main goal has been to gain clients’ trust by providing various plans, affordable rates, and first-rate customer service.

Plymouth Rock insurance is a Massachusetts mainstay, and the company is one of Boston’s top-rated, largest employers. Plymouth Rock Assurance provides house, renters, and car insurance in the Northeastern United States.

It offers low prices and flexible options for its auto insurance policies, and basic coverage includes door-to-door valet and safety trips. The firm offers pet injury and gap coverage choices as add-on insurance.

What You Should Know About Plymouth Rock Assurance

Plymouth Rock has a “Pledge of Assurance” that promises to provide customer satisfaction and makes the following commitments:

• Issues driver policies and statements accurately the first time
• Handles all claims sensitively and professionally
• Attempts to complete physical damage appraisals on time
• Pays for all repairs made by approved providers

Plymouth Rock offers a three-tiered insurance structure that rewards customers for their loyalty by automatically upgrading them to Assurance Plus after three years. From there, customers may upgrade to Assurance Preferred or Premier, offering additional benefits at a premium price.

Is Plymouth Rock insurance good?

Plymouth Rock provides incentives to make your vehicle insurance even more affordable. However, it only provides a small number of widely used discounts, like bundling, multiple car, good student, and safe driving. Unfortunately, the anti-theft system, pay-in-full, paperless, defensive driving, or airbag discounts are not available at Plymouth Rock.

However, Plymouth Rock makes up for this by providing exceptionally exclusive deals. An occupational discount is available to teachers and education support workers, who may also take advantage of special perks.

If you’ve had Plymouth Rock insurance for more than two years and have a licensed driver under 19 on your policy, you may also be eligible for a shared family car discount.

Plymouth Rock Insurance Reviews and Ratings

Plymouth Rock’s insurance rating from A.M. Best, a company that provides financial reporting, is an A- for financial strength. This rating demonstrates the company’s outstanding capacity to settle claims, especially during periods of high claims in a challenging economic environment.

Plymouth Rock Assurance can boast a lower-than-average complaint level with the National Association of Insurance Commissioners (NAIC) at 0.87. The median score is 1.00.

On a scale of 1 to 1,000, Plymouth Rock Assurance’s J.D. Power total customer satisfaction rating among New England’s car insurers was 808 and 827 for the Mid-Atlantic region, both lower than the national average.

Though not officially accredited by the BBB, Plymouth Rock has an A+ rating with the Better Business Bureau (BBB) in Boston and B- in New Jersey and responds to many of its customers’ complaints through the BBB website.

Plymouth Rock Assurance Insurance Coverage Options

Plymouth Rock offers liability insurance and comprehensive and collision insurance coverage, just like other auto insurance providers. In addition, roadside assistance, rental car and/or trip reimbursement, accident forgiveness, and new car replacement are four of seven typical add-on coverages that Plymouth Rock offers. However, it does not provide better automobile replacement, deductible modification, or GAP insurance.

You can select special coverages from Plymouth Rock, such as original equipment manufacturer (OEM) and glass deductible modification. Auto shops will replace certain car parts with OEM components if you have OEM coverage.

Your comprehensive deductible won’t apply while fixing glass damage if you have glass deductible modification coverage; this is an excellent option for drivers who live in places with frequent weather dangers like hail or strong winds.

Plymouth Rock Assurance Insurance Rates Breakdown

According to the information given by Quadrant Information Services, the average yearly premium for Plymouth Rock plans in 2022 is $1,010 for full coverage and $297 for minimum coverage. These prices are considerably less than the national average for auto insurance, which is $545 for little coverage and $1,771 for full coverage each year.

Here’s how Plymouth Rock Assurance compares to its competitors:

Full Coverage Average Auto Insurance Rates by Company

The price of Plymouth Rock’s vehicle insurance isn’t always listed online. Still, you may request a Plymouth Rock auto insurance quote directly on the company’s website or by calling an agent at (877) 749-7722.

Plymouth Rock Assurance Discounts Available

Plymouth Rock Assurance offers discounts to customers that aren’t readily available elsewhere. Some examples include:

• Driver training. Complete an approved driver safety training course for a discount.
• Advanced shopper. Proactively obtain a new Plymouth Rock car insurance quote seven days before your existing policy’s expiration/renewal and receive a discount.
• Away at school. Provides a discount for a driver on your auto policy who is away at school.

Plymouth Rock also offers a list of repair shops on its website to help its drivers avoid lofty mechanic bills.

How Plymouth Rock Assurance Ranks Among Providers

The company is financially stable with an “A-” rating. However, going on price alone, Plymouth Rock Assurance may be quite a bit more expensive than most of its competitors, depending on your driving history and level of policy customization.

While it offers specialized coverage plans, it does not offer all the supplemental coverages that other major insurance companies do.