Updated: October 8, 2025
Advertising & Editorial Disclosure
Plymouth Rock ranks 12th for full coverage affordability and 12th for minimum liability coverage with average rates of $102 and $49 monthly, respectively.
Plymouth Rock earns the top spot nationally for overall customer satisfaction, due to its exceptional agent service and positive reviews.
Plymouth Rock claims the best ranking for coverage options, offering unique features like accident forgiveness and new car replacement coverage for comprehensive protection.
Plymouth Rock ranks ninth overall nationally, placing it among the top car insurance providers in the country. It has good coverage options and customer experience, earning perfect scores in both categories.
This only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 4.41 | 9 |
| Customer Experience | 5.00 | 1 |
| Coverage | 5.00 | 1 |
| Affordability | 4.01 | 11 |
Plymouth Rock works best for adult and young drivers and those with newer cars or older cars. Drivers with a DUI can also save. You shouldn't consider Plymouth Rock if you have bad credit or are a senior driver, as you'll pay above-average rates.
| Overall Score | 4.15 | 10 |
Your Plymouth Rock car insurance costs can range from $43 to $819 monthly, depending on your profile and coverage choices. We've broken down national costs by age group, gender, coverage level, credit score and driving record to help you make the best decision.
| $223 | $2,674 | 20% | 12 |
Plymouth Rock ranks among the cheapest car insurance companies for drivers with DUIs. However, adult drivers, seniors and those with accidents or bad credit will find it much more expensive. Review how affordable Plymouth Rock is for your specific driving category below.
| Adult Drivers | $45 | $102 | 3% | 11 |
| Drivers With a DUI | $59 | $138 | -45% | 4 |
| Drivers With an Accident | $63 | $147 | 14% | 14 |
| Drivers With a Speeding Ticket | $55 | $131 | 5% | 12 |
| Drivers With Bad Credit | $110 | $240 | 24% | 12 |
| Drivers With Low Income | $63 | $137 | 13% | 10 |
| Drivers With Newer Cars | $60 | $134 | -0% | 13 |
| Drivers With Old Cars | $41 | $93 | 7% | 13 |
| Senior Drivers | $64 | $122 | 15% | 14 |
| Young Drivers | $102 | $206 | 1% | 9 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Plymouth Rock offers 17 car insurance discounts, with average savings of up to 25% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle (Companion Policy) | 7% (Standard) 7% (Super Preferred) | Bundle auto insurance with homeowners or renters policy with Plymouth Rock | CT, MA, NH, NJ, NY, PA |
Multi-Car | Varies | Multiple cars listed on the same policy | CT, MA, NH, NJ, NY, PA |
Good Student | 10% | Students under 22, full-time high school/college, B average (3.0 GPA), upper 20% of class, or Dean's List/Honor Roll | CT, MA, NH, NJ, NY, PA |
Student Away at School | 10% | Student attending school over 100 miles from vehicle's garaging location without regular access to vehicles | CT, MA, NH, NJ, NY, PA |
Safe Driver/Good Driver | Varies | Clean driving record with no violations, accidents, or at-fault claims | CT, MA, NH, NJ, NY, PA |
Five-Year Claim-Free | Varies | Over age 22 with no vehicle incidents over a five-year period | CT, MA, NH, NJ, NY, PA |
Driver Training/Defensive Driving | 5% (NJ) 10% (General) | Complete state-approved defensive driving course or driver education (under age 19/21) | CT, MA, NH, NJ, NY, PA |
New Driver Family | Varies | Plymouth Rock customers for 2+ years with licensed drivers under age 19 on policy | CT, MA, NH, NJ, NY, PA |
Anti-Theft Devices | 5% - 25% | Vehicle equipped with anti-theft devices, alarm systems, or tracking devices | CT, MA, NH, NJ, NY, PA |
Safety Features | Varies | Vehicle has safety and restraint features such as anti-lock brakes, airbags, etc. | CT, MA, NH, NY, PA |
Paid in Full | 4% | Pay policy premium in full rather than installments | CT, MA, NH, NJ, NY, PA |
Motor Club | Up to 5% | Named insured or spouse is active member of approved motor club (AAA, OnStar, Auto Club of America, etc.) | CT, MA, NH, NJ, NY, PA |
eDocuments | Up to 4% | Register for eServices and receive policy documents electronically | CT, MA, NH, NJ, NY, PA |
Advanced Shopper/Early Issue | 8% | Sign up for new policy within two days of receiving quote or request coverage effective date 2+ days after quote | CT, MA, NH, NJ, NY, PA |
Group/Affinity | 6% - 9% | Member of partnered organization or employee of company with group program (AARP 6%, SBLI 9%, WBUR 7%, etc.) | Varies by group and state |
Agency Transfer | 2% | Policy transferred from another agency (applies to private passenger vehicles only) | CT, MA, NH, NJ, NY, PA |
Driver Improvement (55+) | Varies | Customers age 55 and older who complete driver improvement courses | CT, MA, NH, NJ, NY, PA |
Plymouth Rock ranked first in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Based on customer reviews from the company's website and insurance forums, Plymouth Rock receives praise for its agent service and digital platform functionality, but it shows more complaints related to claims processing compared to other service areas.
Below, we break down the buying, policy management and claims process experiences based on our research.
Plymouth Rock customers report competitive rates and easy online quote processes, with many praising the immediate availability of coverage. The company offers three customizable coverage tiers (Basic, Standard, Premium) that customers appreciate for personalization.
Availability is limited to six Northeastern states. "All I needed was my driver's license number and VIN number for my car, and we had the policy set up within a 20-minute phone convo and Plymouth Rock emailed me proof of insurance immediately."
Plymouth Rock offers online policy management through their "Manage My Policy" platform and a mobile app for basic functions like payments and claims tracking. Customers can access virtual insurance cards, update policies, and pay bills digitally.
Customer service is available via phone, text chat (text "Care" to 22022), and traditional channels. Some customers report difficulties reaching representatives and inconsistent communication, with complaints about long hold times and unresponsive service during policy changes.
Customer experiences with Plymouth Rock claims differ. Some customers praise the mobile "Crashbusters" service and quick resolution: "Plymouth Rock's responsiveness to my claim was outstanding," and "We recently had a little accident. They were very quick to resolve it and paid what it cost to fix."
However, many others had problems with the claims process. Common complaints include unresponsive claims representatives, extended processing delays and poor communication. "It's so rude and frustrating that 3,4,5...days go by without calling you back. It's unacceptable, particularly for the amount of money that I pay."
Plymouth Rock ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Plymouth Rock's scores from industry agencies.
AM Best Financial Strength | A- (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a- | aaa to d | High credit quality |
S&P Global Financial Strength | NR | AAA to D | Not rated - no available S&P rating found |
Moody's Financial Strength | NR | Aaa to C | Not rated - no available Moody's rating found |
J.D. Power Auto Claims Satisfaction | NR | 1,000-point scale | Not available in J.D. Power claims satisfaction studies |
J.D. Power Digital Service Experience | NR | 1,000-point scale | Not available - not included in digital service studies |
J.D. Power Auto Insurance Shopping Study | 616-619/1,000 | Out of 1,000 | Below average (New England: 616, Mid-Atlantic: 619) |
J.D. Power Overall Customer Satisfaction | 616-619/1,000 | Out of 1,000 | Below regional averages in both New England and Mid-Atlantic |
NAIC Auto Complaints | 0.11-0.88 | 1.00 is average | Significantly fewer complaints than average (lower is better) |
Reddit users and forum members have mixed experiences with Plymouth Rock car insurance, with variations in satisfaction depending on whether customers need to file claims. While many appreciate the company's competitive rates and personalized service, claims processing has created notable problems for some policyholders.
Common complaints center around Plymouth Rock's claims handling processes, with customers reporting slow response times and difficulties reaching representatives. Rate increases without clear explanations also appear frequently in customer feedback.
Here's what real customers are saying about their experiences:
Initial pricing attracts many customers, but rate increases over time diminish long-term value, according to forum users:
"Never had any complaints until I noticed my insurance going up $25 every year. I cancelled my car insurance, four days before renewal. They told me the money was already scheduled for a withdrawal in four days and if it gets withdrawn they would issue me an echeck. Going on three different weeks, still waiting for this refund."
Claims handling represents the most common source of customer dissatisfaction, with many reporting poor communication and extended processing times:
"If you do not have a claim, they are fine. HORRIBLE experience if you have to deal with claims department. They would not pay for a new bumper. So they fixed the bumper and it definitely looks like the car has been hit. I had to wait on hold at least 8 times for more than 30 minutes. A few times I waited for almost 2 hours. I do not know how they stay in business with such horrible customer service."
Customer service experiences vary, with mixed reviews on responsiveness and support quality:
"Created a claim and was directed to their "door to door" program. Unsure why it is called such as I drove the vehicle to the shop and picked it up. The communication from Plymouth Rock was poor and included me calling them on several occasions waiting on hold for extended periods and no one taking responsibility. The total process was well over six weeks and included the preferred shops lack of clarity or communication."
"Outstanding customer service and response times. I want to thank all at Plymouth Rock especially Lauren for handling my claim in a professional and justifiable fashion, My ins covered towing, and a rental car, which was extended twice through enterprise with no problem. All of you exceeded my expectations."
Plymouth Rock's digital platforms receive generally positive feedback from customers who use them for basic functions:
"Plymouth Rock's app and website work great for paying bills and checking your policy, but good luck using them when something goes wrong with your claim."
Customer trust varies based on individual experiences, with some reporting feeling abandoned:
"Umbrella policy cancelled because there were two auto claims in a year. One claim was our fault. Second claim was a hit and run (they caught the offense and charged his insurance) Plymouth Rock 'policy doesn't care about fault'. Two claims and you're out. An insurance agency that loves its customers so much it punished them for being a victim of a crime, That's who your dealing with."
"I am sorry that you feel we fell short in regard to the service provided. We want to let you know that we stand behind our commitments to try and provide great service with every interaction. This why we have a Pledge of Assurance. If you believe we have fallen short of our commitment, we are happy to make a $25 contribution in your name to the choice of a select group of charities."
Customers appreciate Plymouth Rock's comprehensive coverage options and additional benefits:
"I am very happy with coverage and customer service, but most importantly, the price has been so much better than any other company. Every year, I have compared prices with other insurance companies, and time and time again, Plymouth Rock Assurance gives me the best price and best policy."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Plymouth Rock provides standard coverage options like other major insurers, offering liability, comprehensive and collision protection. Additional add-ons from the company include:
New Car Replacement | Pays the cost of replacement for the same make, model and year of your car if you experience a total loss and your car was two model years old or less at the time of accident | Available for vehicles 2 years old or newer; same make/model replacement |
Loan/Lease Gap Coverage | Pays the difference between what you owe on your car loan or lease and the vehicle's actual cash value if you experience a total loss | Financial protection against negative equity; cannot combine with new car replacement |
Trip Interruption Coverage | Helps offset additional expenses for lodging and meals if you incur costs due to a covered loss occurring more than 100 miles from home | Travel protection; 100+ miles from home requirement; covers lodging and meals |
Electronic Key Replacement | Pays toward replacement of your electronic key if it is misplaced or stolen, up to the stated policy limit | Electronic key protection; theft and loss coverage; up to policy limits |
Pet Injury Coverage | Provides money for veterinary care or other expenses if your dog or cat is injured or killed as a result of a covered collision or comprehensive loss while occupying your vehicle | Covers dogs and cats; veterinary expenses; while occupying vehicle |
Full Glass Coverage | Waives the comprehensive deductible for glass-only claims, providing coverage for windshield and window repairs or replacement | No deductible for glass claims; windshield and window coverage |
Accident Forgiveness | Waives a surchargeable accident upon next renewal if certain eligibility criteria are met, protecting your premium from increases | Premium protection; first accident forgiveness; eligibility requirements apply |
Plus One Car Replacement | Pays the cost of replacement for a vehicle that is one model year newer (same make, model, and body type) if your car was more than two model years old at time of total loss | Upgrade to newer model year; for vehicles over 2 years old; same make/model/body type |
Deductible Dollars | Earn $50 in deductible credits each year without a claim, reducing your out-of-pocket costs for future covered losses | $50 annual credit; claims-free reward; deductible reduction |
You can bundle these insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
Plymouth Rock (Directly Offered) | Auto Insurance, home insurance, motorcycle insurance, renters insurance, condo insurance, landlord insurance, personal umbrella insurance, commercial insurance, motor home insurance, boat and watercraft insurance, collector car insurance, life insurance (New Jersey only) |
Third-Party Partner | Flood insurance (Neptune Flood), pet health insurance, health insurance, dental insurance, vision insurance, travel insurance, identity theft protection |
Plymouth Rock excels in customer experience and coverage, earning ninth place for full coverage and eighth for minimum coverage overall. We recommend you compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Plymouth Rock car insurance:
Yes, Plymouth Rock is a legitimate car insurance company that secured ninth place in our comprehensive car insurance provider study. The insurer particularly excels in coverage and customer experience, where it achieved first-place rankings among competitors.
Plymouth Rock is the best car insurance company in 1 out of 51 states and territories including:
Plymouth Rock costs adults an average of $578 annually for state minimum coverage and $1,158 for full coverage. Annual premiums range from $514 to $4,604 for minimum and $911 to $8,796 for full coverage.
Customer feedback suggests Plymouth Rock faces criticism for claim handling practices, with some policyholders reporting denied claims and delayed processing. However, comprehensive data on their denial rates remains limited beyond individual customer experiences.
Yes, Plymouth Rock offers excellent value for drivers with a DUI, ranking 4th overall for affordability in this high-risk category.
Yes, Plymouth Rock raises rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather. Rate adjustments also reflect updated risk assessments, regulatory changes, and individual factors like credit score shifts, regardless of your personal driving record.
No, Plymouth Rock isn't ideal for young drivers, ranking 9th for overall affordability with rates averaging $206 monthly for full coverage.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
