Plymouth Rock Assurance Insurance Review & Complaints: Auto & Home Insurance

Plymouth Rock Assurance rates are at $120 per month for a driver with a good record and reliable car. Its rating is A+ with the Better Business Bureau and 3 out of 5 with Consumer Affairs. Its products are mainly personal insurance but they also offer commercial policies.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 13, 2020

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Plymouth Rock Assurance

Financial Strength

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Massachusetts-based Plymouth Rock Assurance serves a handful of surrounding states with a range of insurance options. Their products are mainly personal insurance, but they also offer commercial auto.

What is Plymouth Rock?

Plymouth Rock Assurance was founded in 1982 and is part of the Plymouth Rock Group of Companies. They operate in five states: Massachusetts, Connecticut, New Hampshire, New Jersey, and Pennsylvania.

The company focuses mainly on auto insurance and home insurance, and the available policies vary depending on the state. In some states, they also write commercial auto insurance policies.

Recently, Plymouth Rock re-branded several of its group of companies to bring everything in under the same company name. The goal was to create a unified brand and grow name recognition. In some cases, the underlying companies continue to operate with their original names, but they all use the Plymouth Rock brand.

Policies are sold through independent agents across the service area.

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What Types of Insurance Products Are Offered?

Plymouth Rock writes auto and home insurance in all five states. Additional coverage is also available in some states.

Auto Insurance

Auto insurance policy options vary a little depending on the state, but Plymouth Rock policies include all of the basics. Each policy meets the state requirements for base coverage, but can be adjusted and enhanced to be customized.

The website does not provide much information on what the available options are but instead suggests speaking to an agent in your state.

There is an impressive list of discounts on the site. These include common choices like good student, good driver, and anti-theft. Also available are affinity discounts – although which groups are involved is not listed – advance purchase, motor club, and more.

Plymouth Rock also has a special car insurance program for educators called the Teacher’s Plan of New Jersey. It provides coverage for teachers at all levels in New Jersey.

In Massachusetts, they have an auto insurance program affiliated with AARP for members of that group.

All of Plymouth Rock’s auto policies come with a few perks that are unusual.

Get Home Safe is a program that pays for the cost of a ride home – whether that’s a taxi or another option – if the insured driver does not feel safe driving home. There is not much detail on what that might comprise or if it includes situations within the driver’s control such as alcohol consumption.

There is also a loyalty rewards program and the Road Rewards app. This is something similar to the usage-based discount programs offered by other companies but has no impact on your insurance rates. Instead, in return for using an app that tracks your driving habits, the program provides rewards including gift cards and discounts.

Home Insurance

Plymouth Rock writes a variety of home policies, including standard homeowner’s, condo, and renter’s insurance policies. There is not a lot of information is available on these policies, but they include all of the usual coverage for a home insurance package. Basics listed are dwelling coverage, liability, loss of use, and personal property coverage.

The options include endorsements for higher value personal property and identity theft protection.

Coverage can vary by state, and again the site directs visitors to speak with an agent to find out what options are available and customize a package policy.

Other Products

Plymouth Rock writes commercial auto – their only commercial product – in three states. Those are Massachusetts, Connecticut, and New Jersey.

Personal Umbrella insurance is also available in all states except for Pennsylvania.

Are the Rates Competitive?

The insurer does have an online quoting system, and although they do not provide coverage in our usual sample area, we did run a quick quote. We chose the same zip code as the company’s Boston headquarters for our sample quote and quoted coverage options for a 30-year-old male driver with a 2010 Honda Accord and a clean record.

Our sample returned a full coverage quote of $120 a month. The 12-month premium came to $1,388.

We found the quoting system a little clunky, with a lot of questions to be answered and a lot of details. That said, it was very customizable in terms of coverage and did return a quote fairly quickly.

How Are Claims Filed?

Claims can be reported online by logging in to the policyholder account or using a policy number to sign in to the system.

There are different claim phone numbers for each of the various states, so policyholders should check the detailed information for their state of residence in order to find the correct number to call. All claims lines are toll-free and open 24 hours.

The company’s Door to Door Valet service handles the claim from start to finish. This means they will arrange for pickup of the vehicle, bring it to one of their network shops, handle all of the repairs, and bring it back to you when the repair is complete.

Also available is the Crashbusters mobile claim service, which will meet the policyholder at any location and help with taking care of the claim, even with a shop that is not in the network. In some cases, the company will issue a repair check on the spot so that repairs can move forward.

The claims section of the website is very robust and answers just about any question a policyholder could have. The included services make this claims program a step above what most regional insurers, and even many huge insurers, offer.

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Are the Ratings and Customer Reviews Positive?

Is Plymouth Rock a good insurance company? It has an A+ rating with the Better Business Bureau (BBB), with only 10 customer service complaints on file in the past three years. That is low for a good-sized regional insurance company. There are a few reviews left on the page, most of which are claims issues complaints. The company does respond to most of the reviews.

There are 37 reviews on Consumer Affairs for this company with an overall three out of five-star rating. That is quite good for a site where we rarely see positive reviews. There are several glowing reviews as well as some complaints, most of which are about claims issues.

What’s the Bottom Line?

Plymouth Rock Assurance is a solid choice for those in their coverage area, with policies that have above-and-beyond benefits and a good reputation overall. We are unable to provide a true comparison on rates, but they are well worth a comparison to other options out there, even the big-name companies.

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