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Plymouth Rock Auto Insurance Review: Great Rates, Unique Protections, and Loyalty Rewards

Review Updated
Kailey Hagen
Author: Kailey Hagen
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Kailey Hagen has been writing about small businesses and finance for almost 10 years. Articles she's written for The Motley Fool have been syndicated to USA Today, MSN, and Yahoo! Finance. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.

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Ashley Maready
Fact Checked: Ashley Maready
Ashley Maready
Ashley Maready
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Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

Plymouth Rock is a strong contender for New England drivers looking for a flexible and affordable policy. Its laundry list of optional protections make its policies some of the most customizable in the industry. Check out our full Plymouth Rock auto insurance review below to learn who it's a good fit for.

Logo for Plymouth Rock
Best for Customization OptionsPlymouth Rock
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

Plymouth Rock offers competitive rates and a plethora of optional protections, making it easy for drivers to build a policy tailored to them. Its long list of discounts make it a popular choice for drivers living in its six-state service area.

Pros

  • Reasonable rates for most drivers
  • Unique coverage options
  • Bonus perks for long-term customers
  • Earn rewards for safe driving

Cons

  • Only available in six states
  • Poor customer service

Full Plymouth Rock auto insurance review

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Monthly premiums costs

Plymouth Rock offers pretty affordable rates for all the driver profiles we looked at. The table below shows average annual premium costs for four different profiles.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$$106.50 $$106.50 $ $159.75 $ $227.08
Data source: Motley Fool Money's analysis of standardized personas.

Cost comparison

Plymouth Rock auto insurance rates are reasonable for most drivers. Here's a closer look at how its average premiums compare to the national average for several common driver profiles.

Plymouth Rock Insurance Average Rate National Average Rate
Clean Driving Record $1,278 $2,389
Accident on Record $1,917 $3,370
Speeding Ticket on Record $1.877 $3,032
DUI on Record $2,011 $4,380
18 Years OId - New Driver $2,725 $6,291
65 Years Old - Senior $1,065 $2,140
Military Service $1,278 $2,375
Minimum Coverage (Liability Only) $382 $787
Data source: Motley Fool Money's analysis of standardized personas.

Discounts

  • 5-years claim-free
  • Advanced shopper
  • Alumni
  • Anti-theft device
  • Bundling
  • Companion policy (multi-policy)
  • Driver improvement
  • Driver training
  • eDocuments
  • Green driving
  • Mature driver
  • Membership
  • Motor club
  • Multi-car
  • New driver family
  • Paid in full
  • Passive restraint
  • Rock-solid driving
  • Safe driving
  • Student away at school

Plymouth Rock has a long list of auto insurance discounts, though many of these discounts are only available in a particular state. However, even with few discounts available to some drivers, it's still possible to score great rates.

Coverage

Policy types

  • Commercial auto
  • Motorcycle
  • Motorhome
  • Personal auto

Plymouth Rock offers the main vehicle insurance policies that its competitors offer. But it is missing offerings like boat, ATV/UTV, and personal watercraft coverage.

Coverage types

  • $100 glass deductible
  • Accident forgiveness
  • Additional rental coverage
  • Additional towing and labor
  • Airbag accidental discharge
  • Bodily injury liability
  • Child car seat replacement
  • Collision
  • Comprehensive
  • Crashbusters®
  • Deductible Dollars®
  • Door to Door Valet Claim Service®
  • Electronic key replacement
  • Enhanced bail bond
  • Full glass
  • Get Home Safe®
  • Laptop replacement
  • Limited collision
  • Loan/lease gap
  • Loss of earnings
  • Medical payments
  • Mobile device replacement
  • New car replacement
  • Personal injury protection (PIP)
  • Personal property
  • Pet injury
  • Plus one car replacement
  • Property damage liability
  • Replacement cost
  • Roadside assistance
  • Seatbelt/airbag benefits
  • Substitute transportation
  • Towing and labor
  • Underinsured motorist
  • Uninsured motorist
  • Waiver of collision deductible
  • Waiver of deductible for glass repairs
  • Waiver of deductible for windshield replacement
  • Waiver of depreciation

Plymouth Rock's list of optional auto insurance protections is much longer than that of most competitors. A few of these benefits are only available to members of its Assurance Plus program, while others require that drivers purchase a package of benefits. But there are also several a la carte options.

Customer service and ratings

Though it seems as if its many perks would create a happy and loyal customer base, Plymouth Rock's customer reviews tell a different story.

It scored well below average in J.D. Power's U.S. Auto Insurance study. But its complaint ratio with the National Association of Insurance Commissioners (NAIC) is below average. However, it retains an A+ rating with the Better Business Bureau.

Other insurance available

  • Plymouth Rock condo insurance
  • Plymouth Rock home insurance
  • Plymouth Rock pet insurance
  • Plymouth Rock renters insurance
  • Plymouth Rock term life insurance
  • Plymouth Rock umbrella insurance

Plymouth Rock offers most other common types of insurance. This makes it a strong pick for those seeking to bundle multiple types of insurance with a single provider.

Alternatives to consider

Award Icon 2025 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Award Icon 2025 Award Winner
Logo for Geico
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our Geico review

Drivers who want an easily customizable policy with great customer service: State Farm offers car insurance policies in all 50 states, and is known for great customer service. It offers a number of endorsements to help drivers customize their policies, but it lacks some of Plymouth Rock's most unusual protections. It also doesn't have loyalty rewards.

Drivers who care about an affordable rate, first and foremost: Geico is known for providing affordable car insurance to residents of all 50 states, and it offers a plethora of discounts. But it doesn't give drivers as many ways to customize their policy.

Plymouth Rock auto insurance summary

Plymouth Rock auto insurance might be best suited for people who are:

  • New England residents looking to score an affordable rate on car insurance
  • Drivers interested in rewards for safe driving and loyalty
  • Drivers who want to customize a policy with unique protections

Drivers who live outside Plymouth Rock's service area may want to consider Geico for cheap car insurance. And those who put a premium on customer service should give State Farm a closer look.

Our auto insurance rating methodology

At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.