We know that everyone's situation is unique and we aim to help you find the right product
for you. We may receive compensation when you visit our partners' sites or are approved for their products.
You can read more about how we maintain editorial independence and how we make money here.
Fully flexible policies and great support for drivers in the Northeast
Legally required in most states, car insurance gives you peace of mind when you’re behind the wheel. It’s also a big-ticket purchase, so you want to make sure your policy suits your needs.
Plymouth Rock covers drivers in Massachusetts, Connecticut, New Hampshire, New Jersey and as of 2017, it’s added Pennsylvania to its list. A niche insurer, it has local agents that offer specialized knowledge and flexible policies you can customize.
Plymouth Rock lets you customize your coverage to get the best value. Available in Massachusetts, Connecticut, New Hampshire, New Jersey and Pennsylvania.
States served
Connecticut, Massachusetts, New Hampshire, New Jersey, Pennsylvania
Roadside assistance
Included free
Pay schedule
12 months, monthly
Claims methods
online, phone
New car protection
Yes, cars under 2 years old
Pros
24/7 claims processing
Crashbusters mobile claim service
Network of local agents
Manage your policy online
Pledge of assurance
Financially strong
Cons
Limited reach
Expensive rates for married and middle-aged drivers
Find the cheapest rates near you and compare car insurance providers.
Your information is secure.
Who is Plymouth Rock best for?
As a regional insurer, Plymouth Rock is an attractive option for drivers in Massachusetts, Connecticut, New Hampshire, New Jersey and Pennsylvania. Its local agents are schooled on the auto insurance laws of those states, as well as the conditions that affect drivers in the Northeast, like severe winter storms.
Plymouth Rock offers customizable coverage, so it’s also great for those who want more freedom with policy amounts and features.
What is Plymouth Rock?
Headquartered in Boston, Plymouth Rock Assurance Corporation is part of a group of companies offering home, auto and umbrella insurance across the Northeast. Founded in 1982 by Massachusetts’ youngest insurance commissioner, Jim Stone, it now services Massachusetts, Connecticut, New Hampshire, New Jersey and Pennsylvania.
As a niche insurer, it knows the ins and outs of auto insurance in the states it serves. It writes policies under these subsidiaries:
Plymouth Rock Insurance Corporation – Massachusetts and Connecticut
Bunker Hill Insurance Company – Massachusetts
Pilgrim Insurance Company – Massachusetts
Mt. Washington Assurance Corporation – New Hampshire
Plymouth Rock Management Company – New Jersey
Palisades Insurance Company – Pennsylvania
Palisades Property and Casualty Insurance Company – Pennsylvania
High Point Preferred Insurance Company – Pennsylvania
Combined, these companies write and manage more than $1 billion in annual auto and homeowners insurance.
It has a network of independent agents across the five states, but customers can also get quotes and purchase policies on the company’s site.
Plymouth Rock is committed to helping the communities it serves, supporting groups like United Way, American Heart Association, American Red Cross and the New England Center for Homeless Veterans. In 2010, it was awarded an INNovators Award in Customer Experience for its mobile-friendly portal.
What car insurance coverage does Plymouth Rock offer?
Plymouth Rock gives policyholders the freedom to customize the features in their coverage. Essential Assurance is its base package and automatically includes services like guaranteed repairs. Assurance Plus, Assurance Preferred and Assurance Premier offer perks at an extra cost, and there are a suite of a la carte coverages open to all policyholders.
Policy options vary from state to state, but most offer:
Body injury liability. If you cause an accident, this coverage kicks in to pay for injuries, damages and potential legal costs. Legally required in most states, consider carrying enough coverage to protect your assets in the event of an accident.
Property damage liability. This compulsory coverage takes care of the damage your car causes to someone’s property in an accident.
Personal injury protection (PIP). This helps cover the medical and hospital costs for you or your passengers in an accident, regardless of who’s at fault.
Collision. This covers the cost of damage to your car from a collision with another car or object, or if your car overturns. It’s usually optional, unless you’ve leased or financed your car.
Comprehensive. Also known as Other Than Collision (OTC) coverage, this pays for the loss or damage to your car caused by things like fire, floods, hailstorms, vandalism and theft. It’s typically only recommended for new, valuable or financed cars.
Underinsured motorist (UIM). This helps to pay for medical expenses if someone injures you in an accident, but doesn’t have enough liability insurance to cover the costs.
Uninsured motorist (UM). This covers the damages and injuries if you’re injured in an accident caused by a hit-and-run driver or someone who doesn’t have liability insurance.
Health care primary. If you need medical treatment after an accident, this option lets you see your regular medical provider. It can also lower the PIP portion of your premium.
Medical payments. After an accident, this helps to pay for medical and funeral expenses up to the coverage limits you select.
Transportation expenses. If you have a claim covered by comprehensive or collision coverage, this pays for temporary transportation expenses.
Towing and labor. When your car can’t be driven, this covers the cost of towing it to a repair shop.
Accident forgiveness. For eligible customers, Plymouth Rock will waive the usual penalties for one at-fault accident.
New car replacement. With this add on, the insurer pays to replace a car of the same make, model and year if you experience a total loss. To qualify, your car must be two years old or less at the time of the accident.
Loan and lease gap coverage. Do you lease or finance your car? If you experience a total loss, the insurer will pay the difference on the money you owe.
Pet injury. If your dog or cat is injured in an accident, you’ll receive money for veterinary care and other expenses.
Plymouth Rock car insurance rates
The rates Plymouth Rock offers can vary quite a bit. The states Plymouth Rock services, like New Jersey, are subject to specific laws and rates tend to be higher in these regions. Plus, policyholders can choose between basic and elevated packages, as well as a slew of a la carte coverages. In general, Plymouth Rock’s premiums tend to be lower for good drivers, single adults and young drivers, and higher for married couples.
Find the cheapest rates
Find the cheapest rates near you and compare car insurance providers.
Your information is secure.
What discounts can I get with Plymouth Rock?
With Plymouth Rock, there are plenty of ways to save on your premium. Depending on where you live, you might qualify for these discounts.
Motor club member. If you’re an active member of an approved motor club like AAA, you might score a discount of up to 5%. Ask your agent about clubs in your state.
Companion package. Insure your home with subsidiary Bunker Hill Insurance and your car with Plymouth Rock, and you’ll earn a discount.
Multi-car. With each car you list on your policy, you’ll receive a discount.
Homeowner. Do you own a house or condo? Congrats! You can slash your premium.
Pay in full. Pay your total premium in one or two installments, and Plymouth Rock will lower your premium.
Safe driver. If you’re older than 18 and have a driving record free of accidents and violations, the insurer will reward that with a discount.
Distant student. Do you have a kid who’s at school more than 100 miles away and doesn’t drive your car much? You may be eligible for a discount.
Advanced quote. If you’re switching to Plymouth Rock from another company, you can save by getting a quote more than seven days before your new policy’s start date.
Mature driver. Drivers over 60 can save money by completing an approved accident prevention course.
Loyalty. Maintain a policy for 36 consecutive months, and cut down on your premium.
Affinity group. Are you a teacher in New Jersey? Or a member of AARP? Being part of an affinity group could lower your premium.
Rate lock. Hate surprises? Plymouth Rock also offers a One Year Rate Lock, which guarantees your auto insurance rate for a year.
Does Plymouth Rock offer special programs?
Plymouth Rock has three standout programs included with every policy, all of which point to its proactive approach to accidents.
Crashbusters mobile claim service. Assessing the damage to your car after an accident can be incredibly stressful. With this service, a representative comes to the site of the accident to do a damage appraisal on the spot. In many cases, the company gives you a check based on the estimated cost of repairs.
Get home safe. When you’re drowsy or distracted, or you’ve had one too many drinks to drive yourself home safely, you can call a taxi and Plymouth Rock will reimburse you up to $50 for the ride. This benefit can be claimed once a year and doesn’t cost any extra.
Door to door valet claims service. To minimize the disruption an accident has on your life, this service sends someone to tow your car to a body shop and deliver it back to you once it’s been repaired.
What’s not covered by Plymouth Rock car insurance?
The company won’t cover classic, collector, custom and exotic cars under a standard auto policy. These policies are sold separately through its affiliates. For example, in Massachusetts, it’s Encharter Insurance LLC.
Are there any coverage maximums?
The carrier doesn’t disclose this information, but it recommends carrying enough coverage to cover your assets. Say you own a home and have a solid savings account; you’ll want to have liability insurance to cover their value and protect you if you’re sued. For example, that might be $100,000 in bodily injury per person, $300,000 for bodily injury per accident and $50,000 for property damage.
In terms of loan and lease gap coverage, the insurer will pay up to 25% of the actual cash value of the car. So if your car is valued at $20,000, the maximum amount Plymouth Rock will cough up is $5,000.
Pros and cons of Plymouth Rock car insurance
Pros
24/7 claims processing. File a claim online or over the phone at any time.
Crashbusters mobile claim service. Part of every policy, this service gives you an on-the-spot appraisal after an accident.
Network of local agents. The Northeast is subject to unique auto insurance laws, and local agents know the ins and outs of their state.
Manage your policy online. Access your policy, pay bills and make and monitor a claim on the portal or app.
Pledge of assurance. If you’re not happy with the customer service, Plymouth Rock will donate $25 to your selected charity.
Financially strong. Ranked financially strong by A.M. Best, the insurer has the cash to pay out claims.
Cons
Limited reach. Policies are limited to five states: Massachusetts, Connecticut, New Hampshire, New Jersey and Pennsylvania.
Expensive rates for married and middle-aged drivers. When compared to other carriers, its premiums are higher for married couples and middle-aged drivers.
What do customers say about Plymouth Rock?
While Plymouth Rock isn’t accredited with the Better Business Bureau, the BBB has given the insurer an A+ rating. It closed just 12 complaints in the past three years, almost all of which were related to problems with the product and service.
In J.D. Power’s 2017 Auto Insurance Study, Plymouth Rock ranked 3 of 12 insurers surveyed in the Mid-Atlantic Region. It was deemed among the best for overall customer satisfaction, billing, pricing and policy offerings. In the New England region, it came in at 13 of 16 carriers and scored about average for those same categories.
In online forums, policyholders praise the company’s local agents, timely claims processing and safety initiatives. Some say the prices and customer service could be improved.
How to apply
With this tech-savvy insurer, applying online is simple:
Head to Plymouth Rock’s website.
On the homepage, you’ll see a box labeled Get a Quote. Type in your ZIP code and select Auto in the dropdown. Click Go.
You’ll be led through a series of forms asking for your personal information, driving history, cars and who will be driving them.
Review and adjust your coverage options, discounts and rates.
Accept the quote. Or, if you have questions, hop onto Live Chat or call customer service at 855-993-4470.
IMAGE GOES HERE
What info do I need to apply?
You’ll need:
Your driver’s license number
Your driving history, including claims and accidents
Information on the car you’re insuring
Details about who will be driving the car
How do I find a Plymouth Rock agent near me?
Go to the website.
Click Find an Agent on the landing page.
Enter your city, state or ZIP code, and a list of local agents will pop up. Plymouth Rock has a network of agents across the five states it services, so there’s bound to be one close to you.
How to make a claim
You can file a claim online, on the app or over the phone, and the claims department is open 24/7. When you report a claim, have your policy number handy, as well as details on the accident or incident. If you have photos or videos, you can submit those online or on the app, too.
Prefer the phone? You can call the dedicated claims line at 800-437-3535 or even better, the claims department in your state.
Massachusetts and Connecticut: 888-324-1620
New Hampshire: 800-932-6288
New Jersey and Pennsylvania: 800-437-3535
You’ll be assigned a representative, who will walk you through your coverage and answer your questions about the claims process.
How to contact Plymouth Rock
There are a few ways to get in touch with Plymouth Rock.
Phone. Call customer service at 855-993-4470.´
Live chat. During business hours, you can get real-time help on Plymouth Rock’s website.
Local agent. To contact a local agent directly, go to Find an Agent on the website’s homepage and follow the prompts. If you’re an existing policyholder, your agent’s details are on your policy documents as well as your member portal.
Current customers can also speak to the customer service department in their state.
State
Contact details
Massachusetts
Phone: 866-353-6292
Email: eservice@plymouthrock.com
New Jersey
Phone: 800-437-5556
Email: customercarenj@plymouthrock.com
Connecticut
Phone: 866-591-5545
Email: eservice@plymouthrock.com
New Hampshire
Phone: 800-979-6288
Email: eservice@plymouthrock.com
Pennsylvania
Phone: 844-748-8856
Email: customercarepa@plymouthrock.com
Does Plymouth Rock offer other types of insurance?
Home, condo and renters insurance
Commercial auto insurance
Umbrella insurance
Classic, collector and exotic car insurance in some states
What are some alternatives to Plymouth Rock?
To earn similar discounts for safe driving, check out National General, Ameriprise and Auto-Owners Association. If you’re interested in bundling your home and auto policies, Esurance, Progressive and Nationwide will reward your loyalty with a lower premium. And if you’re leaning toward regional, niche insurers, look into Arbella for New England and NJM for New Jersey.
Compare car insurance providers
Bottom line
Your car insurance coverage should cater to you, your car and your driving situation. If you live in the Northeast, Plymouth Rock is worth looking into.
As a regional insurer with a network of local agents, its products and services are tailored to the five states it services, and coverage is customizable. It’s a modern company, with a sophisticated online portal and app as well as attractive discounts and a driver safety program.
Yes. Generally, you can hold off on doing this until your teen graduates from a learner’s permit to a license, but double-check with your insurer. While adding a teen driver to your policy will lift your premium, it’s usually cheaper than purchasing a separate policy.
With Plymouth Rock, you can pay your auto insurance premium online or over the phone 24/7, or by visiting your local agent’s office.
You can pay for your policy in full or in monthly installments. If you pay up in full, you may be eligible for a discount.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, we may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
