Plymouth Rock insurance review 2025

Plymouth Rock’s insurance experience is generally positive. The company received a solid Bankrate Score of 4.1 out of 5 points for its auto insurance, signaling that it could be one of the best companies for New England and Mid-Atlantic drivers. Plymouth Rock insurance is solely available in Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania.

Plymouth Rock car insurance includes a standard selection of coverage options, including liability, collision, comprehensive, personal injury protection (PIP) and uninsured motorists. It sells coverage in four different tiered packages: Essential Assurance, Assurance Plus, Assurance Preferred and Assurance Premier. The company's Essential Assurance program, included in all policies, brings perks like door-to-door valet claim service and guaranteed repairs. Upgrading to Assurance Plus adds mobile device replacement, pet injury coverage, no-deductible glass coverage and more. The Preferred package includes roadside assistance, while the Premier adds even more benefits. With any coverage package, policyholders can add options like accident forgiveness, gap coverage and new car replacement.

Pros and cons of Plymouth Rock car insurance

When you're in the market for auto insurance, you’ll want to weigh the pros and cons of any provider you’re considering. Plymouth Rock has some nice attributes as well as a few areas where it could improve.

Plymouth Rock earned a Bankrate Score of 4.4 out of 5 points for its homeowners insurance. This is an indicator that Plymouth Rock home insurance offers some benefits at a reasonable cost. Plymouth Rock home insurance features standard home insurance coverage options including dwelling, other structures, personal property, liability and additional living expenses. 

Like its auto policies, its home policies also come in pre-selected packages: Base, Better and Best. Its robust list of optional add-on coverage includes utility service line, identity protection, home systems breakdown, flood insurance and pet health insurance. 

For flood insurance, Plymouth Rock partners with Neptune Flood, a private provider, as opposed to the NFIP. This could be a pro or a con, depending on how you look at it: a private flood policy will likely allow for higher limits and greater policy customization than an NFIP one, but it could be more expensive.

Pros and cons of Plymouth Rock homeowners insurance

Plymouth Rock's home insurance policies offer benefits that may make it a good choice for some homeowners. Here are some key perks and drawbacks of the provider’s home coverage:

Plymouth Rock is not a life insurance company primarily, but it does offer term life insurance to residents of New Jersey. Term life insurance is the more simple of the two main types of life insurance — the other being permanent insurance. Of the two, term life insurance tends to cost less.

With a Plymouth Rock life insurance policy, you sign up for coverage for a specific number of years, often 10, 20 or 30, and if the insured dies during that time, a death benefit is paid to the beneficiaries. Unlike permanent insurance, term policies have no cash value that can be drawn from during the policyholder's lifetime. Plymouth Rock's term insurance may be an attractive option for residents of the Garden State looking for affordable life coverage.

If you don't think Plymouth Rock could meet your insurance needs or you live outside its coverage area, you might want to consider getting quotes from these other comparable carriers:

If you live in one of the six states that Plymouth Rock services, it could be a good option for auto and home insurance, especially since you can request a free quote online. Plymouth Rock's auto insurance features a range of discounts as well as a handful of optional coverages to help you ensure that your policy fits your particular situation.

The company's homeowners insurance could provide solid coverage for your home and property, with optional coverage such as ID monitoring, home systems breakdown and more. The company also sells life insurance policies, but these are limited to term insurance, and only to residents of New Jersey. These options for multiple lines of insurance, along with Plymouth Rock's robust coverage and reasonable prices, make it a strong option for New England and Mid-Atlantic consumers.

What are real-life customers saying about Plymouth Rock?

Third-party insurance ratings are helpful but can only tell you so much. To help our readers make a more informed decision about Plymouth Rock, we included quotes from discussion forums like Reddit and Yelp to glean what actual customers think about the company. Although they are not formal review sites, real-life customer feedback can provide valuable insight into a company.

Reddit

The consensus on Reddit varies. Some customers reported lengthy wait times for responses about claims, from several weeks to months. But other users, like those quoted below, were happy with the company and its claims process:

Trustpilot

Plymouth Rock insurance reviews on Trustpilot were far less generous. Out of a possible five-star rating, Plymouth Rock earned a 1.9 on Trustpilot’s website. Multiple users there were unhappy with the company’s slow response to claims and overall customer service.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Plymouth Rock company details

• Free quote: 855-993-4470
• Service (auto): 800-437-5556 or 833-511-7625
• Service (homeowners): 844-208-1935
• Claims mailing address: Varies by state
• Website: plymouthrock.com

State availability

Plymouth Rock auto and home insurance is available in CT, MA, NH, NJ, NY and PA. Its term life insurance is only available in New Jersey.

Plymouth Rock tools and benefits

Consider these other product types from Plymouth Rock:

• Policies are also available for commercial auto, motorcycle, motor home, boat and watercraft and collector car.
• Renters, condo and flood insurance is also available
• Plymouth Rock has umbrella and pet insurance as well, along with special policies for New Jersey educators and teachers.
• Plymouth Rock's Door-to-Door Valet Claim Service provides a representative to pick up your car, take it to the shop of your choice and bring it back when done. If you have rental coverage, they could also coordinate a rental car for you.

Frequently asked questions about Plymouth Rock

Auto

Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-18 added to their parents' policy reflect the good student and driver's training discounts applied.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.