Comprehensive Review of Plymouth Rock Assurance Car Insurance

Comprehensive Review of Plymouth Rock Assurance Car Insurance

Plymouth Rock Assurance is a regional insurer providing coverage exclusively in a select group of northeastern states. If you’re seeking a personal touch and wish to avoid dealing with larger, impersonal car insurance corporations, Plymouth Rock could be an ideal choice. Beyond its smaller scale and more intimate customer pool, Plymouth Rock stands out with its impressive array of auto insurance coverages and discounts, rivalling even the biggest players in the insurance market.

Key Takeaways

  • Financial Strength: Excellent
  • Customer Complaints: Minimal
  • Competitive Rates: Yes
  • Extensive Coverage Options: Yes
  • Availability: Limited to certain states

Detailed Overview

Plymouth Rock Assurance, founded by Jim Stone in 1982, was envisioned as an insurance company that prioritized not only its customers but also its communities and employees. Today, with over 40 years of operation, Plymouth Rock manages over $1.8 billion in car and home insurance premiums across six states:

  • Connecticut
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania

Plymouth Rock’s commitment to community service is evident in its philanthropic efforts. The Plymouth Rock Assurance Foundation, funded by a percentage of the company’s net income, has awarded over $2 million in grants to underserved youth and communities in need. The company also takes pride in its employee benefits package, which includes higher-than-average wages.

Coverage Options

Plymouth Rock Assurance provides all the standard auto insurance coverage types you’d expect, including liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments insurance. Additionally, the company offers four tiers of extra coverage, allowing for a highly customizable policy. These tiers are:

  • Essential Assurance
  • Assurance Plus
  • Assurance Preferred
  • Assurance Premier

The Essential Assurance package comes standard with every policy, whereas the Assurance Plus, Assurance Preferred, and Assurance Premier packages are optional upgrades.

Additional Coverage Options

Beyond standard coverage, Plymouth Rock offers a few additional coverage options you can add to your policy:

  • Accident Forgiveness: This coverage is available for drivers with a clean driving record. If you have an at-fault accident, Plymouth Rock will waive a surcharge on your policy premiums at the policy’s renewal.
  • Full Glass Coverage: This coverage waives your comprehensive deductible for glass-only claims.
  • New Car Replacement: If your vehicle is less than two years old, Plymouth Rock will replace a totaled car with a new one of the same year, make, and model, rather than paying its current market value.
  • Loan/Lease Gap Coverage: This coverage pays the difference between an outstanding auto loan or lease balance and the vehicle’s actual cash value if it’s totaled in a covered loss.

The Benefit of Plymouth Rock’s Assurance Packages

One of the unique aspects of Plymouth Rock Assurance is the Assurance packages it offers. These packages come with a range of additional coverage options and benefits.

The Essential Assurance package comes with every policy and includes:

  • Crashbusters: Plymouth Rock’s mobile claims service will come to you to assess and appraise your vehicle’s damage after an accident.
  • Door-to-Door Valet Claim Service: A claims representative will transport your damaged car to the repair shop of your choice and return it to you once it’s fixed. They’ll also arrange a rental car if you have substitute transportation coverage.
  • Get Home Safe: If it’s unsafe to get home, Plymouth Rock will cover your cab fare, reimbursing you up to $50 for a taxi home.
  • Guaranteed Repairs: If you get repair work done at one of Plymouth Rock’s participating body shops after an accident, repairs are warrantied for as long as you lease or own the car.
  • Online Services: Use the QuickPay tool to make payments, file claims online, or get eDocuments 24/7.
  • Pledge of Assurance: If you feel Plymouth Rock isn’t meeting the expectation of superior customer service, the company pledges to donate to a select charity.

Cost of Plymouth Rock Car Insurance

The national average for a six-month car insurance policy is currently $880, while Plymouth Rock’s average is approximately $862, a difference of roughly 2% in premium. This makes Plymouth Rock a competitively priced option in the car insurance market.

However, like all insurance companies, the price of a Plymouth Rock policy can vary based on numerous factors, including your age, driving history, location, and the type and level of coverage you choose.

Discounts Offered

Plymouth Rock offers an array of discounts, enabling you to further reduce the cost of your policy. Available discounts include:

  • Bundling Discount: Save by enrolling in a home, condo, or renters insurance policy through Plymouth Rock.
  • Anti-Theft/Passive Restraint Device Discount: Devices like alarms, anti-lock brakes, automatic seatbelts, and airbags can earn you a discount on your policy.
  • Safe Driver Discount: Drivers with clean driving records can expect a lower premium.
  • Affinity or Alumni Group Discount: You may be eligible for a discount if you’re part of an approved affinity or alumni group.

Plymouth Rock Insurance App

Plymouth Rock offers a mobile app that allows customers to file and review claims, as well as access account information, billing, and payments. The app is available for both iOS and Android users.

Customer Satisfaction and Financial Strength

While Plymouth Rock has fantastic financial strength and very few consumer complaints, it’s worth noting that its customer satisfaction was not rated positively. The company received below-average ratings in the J.D. Power Auto Insurance Study for the Mid-Atlantic and New England regions, the only areas where you can purchase Plymouth Rock insurance products.

However, Plymouth Rock has received an impressive A+ rating from the Better Business Bureau (BBB), indicating its commitment to resolving customer complaints. Furthermore, Plymouth Rock received a low complaint index of 0.37 from the National Association of Insurance Commissioners (NAIC), well below the industry average of 1.00.


In summary, if you live in a state where Plymouth Rock operates, it’s a worthy contender for your next car insurance provider. With generally positive customer reviews, decent rates, and a wide array of coverage options and discounts, Plymouth Rock is more than capable of providing a satisfactory policy.

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