Plymouth Rock Auto Insurance Review for 2024 [Get the Facts Here]

In this Plymouth Rock auto insurance review, we explore the company’s standout “Pledge of Assurance,” which guarantees automatic upgrades to Assurance Plus after three years.

Drivers can benefit from exclusive programs like loyalty rewards and add-ons, including pet injury coverage.

Plymouth Rock Auto Insurance Rating

Rating Criteria
Overall Score	3.9
Business Reviews	4.0
Claim Processing	3.3
Company Reputation	4.0
Coverage Availability	2.7
Coverage Value	3.9
Customer Satisfaction	4.0
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.1
Plan Personalization	4.0
Policy Options	4.4
Savings Potential	4.4

Plymouth Rock’s strong customer satisfaction and flexible policies make it a reliable choice in select states. Dive deeper to discover how these offerings can enhance your auto insurance experience.

If you’re looking to lower your Plymouth Rock auto insurance premiums, enter your ZIP code into our free quote comparison tool above to compare rates against the top insurers.

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.

Plymouth Rock Insurance Quality and Reliability

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 cars, good students, 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.

Read more: Types of Auto Insurance

Plymouth Rock Assurance Insurance Rates Breakdown

Full coverage auto insurance rates vary significantly depending on the provider, with some offering far lower premiums than others. This section highlights how different companies stack up, offering insight into potential savings based on your choice of insurer.

Full Coverage Auto Insurance Rates by Provider

Insurance Company	Monthly Rates
	$407
	$107
	$212
	$268
	$427
	$242
	$317
	$272
	$181
	$199

The comparison of these rates reveals that American Family offers the most affordable full coverage option, while Liberty Mutual comes in at the highest. Choosing the right provider can lead to substantial savings, making it crucial to evaluate the costs across multiple insurers.

Premium Rates by Coverage Level and Driver Profile

This table breaks down Plymouth Rock auto insurance rates based on age, gender, and coverage levels. It highlights how premiums vary significantly depending on these factors.

Plymouth Rock Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

For younger drivers, especially males aged 16-18, rates are higher due to perceived risk, with full coverage reaching as much as $450 for a 16-year-old male. As drivers age, rates decrease, with significant drops for those aged 25 and above. Female drivers typically enjoy slightly lower rates than males across all age groups.

The table demonstrates how older drivers, particularly those around 45, benefit from the lowest rates, with full coverage costing as little as $155 for females. These insights show how age and gender play pivotal roles in determining auto insurance premiums.

This table illustrates how Plymouth Rock auto insurance rates vary depending on a driver’s history, showcasing the financial impact of accidents, tickets, and DUIs. It highlights the significant difference between drivers with clean records and those with infractions. See more details in our guide titled, “Factors That Affect Auto Insurance Rates.”

Plymouth Rock Assurance Insurance Coverage Options

Plymouth Rock offers liability insurance and comprehensive and collision auto insurance coverage, just like other auto insurance providers. In addition, Plymouth Rock offers roadside assistance, rental car and trip reimbursement, accident forgiveness, and new car replacement, which are four of seven typical add-on coverages.

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 Discounts Available

Plymouth Rock Assurance provides a variety of exclusive discounts that help customers reduce their premiums, making it a competitive option for many drivers. These discounts cater to proactive shoppers, young drivers away at school, and those completing driver safety courses.

• 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.

Maximizing these unique discounts can lead to significant savings on your auto insurance, offering real financial benefits. Taking advantage of these offers helps ensure you’re getting the most value from your policy while encouraging safe and responsible driving habits. See how you can save on insurance in our guide, “Best Auto Insurance Discounts.”

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. Find insights in our guide, “How to File an Auto Insurance Claim.”

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.

Know the signs of fraud.

A common form of car insurance fraud is a staged accident. People will cause collisions just to collect insurance payments! Read our blog to learn more about car insurance fraud tips: https://t.co/hS1cwsDDkp pic.twitter.com/zxCUE8h5x1

— Plymouth Rock (@PlymouthRock) September 19, 2024

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 Insurance Business Ratings & Consumer Reviews

Agency
	Score:807/1,000 Below Average
	Score:A+ Excellent Business Practices
	Score:78/100 Positive Customer Feedback
	Score:0.74 Fewer Complaints than Avg.
	Score:A- Excellent Financial Strength

Plymouth Rock Insurance stands out with its mix of stellar business practices and generally favorable consumer feedback. While financial strength and ethical operations provide a solid foundation, the company’s customer satisfaction levels still reveal opportunities for growth.

How Plymouth Rock Assurance Ranks Among Providers

The company is financially stable, with an “A-” rating. However, going on price alone, Plymouth 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.

Learn more by checking out our guide: How to Check Your Auto Insurance Claims History

Use our free comparison tool below to see what Plymouth Rock auto insurance quotes look like in your area.