Plymouth Rock Insurance Review

In this article, we go through all the aspects of Plymouth Rock Assurance and provide you an in-depth review of the company. We will discuss its 25-year history, what coverage do they offer, and its pros and cons.

Company Introduction

Plymouth Rock Assurance is a regional insurance company that serves Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. Plymouth Rock provides home, renters, and auto insurance policies.

Plymouth Rock has excellent coverage options and rates that compete with other national car insurance companies.

Car Insurance Coverage Plymouth Rock Insurance Company Offers

Plymouth Rock is a regional insurer with a network of local agents, offering tailored products and services to the five northeastern states.

Essential Assurance is their standard package, in which items such as guaranteed maintenance is included.

Assurance Plus, Assurance Preferred, and Assurance Premier provide additional perks at an extra cost. They include additional benefits and coverages such as pet injury coverage, rental car coverage, personal property coverage, and much more.

All Plymouth Rock car insurance policies include the following coverages:


This insurance coverage includes the coverage of your car from the damage caused by a collision with another vehicle or object. This is usually optional unless you have rented the vehicle or financed this.


This plan covers the loss or harm to your vehicle caused by fire, floods, hailstorms, vandalism, and theft. Generally, it is suggested only for new, expensive, or financed vehicles. Comprehensive coverage is also called as other than collision coverage.

Personal injury protection (PIP)

Such a policy covers you from any accidental medical emergency. PIP covers the medical and hospital bills of you and the passengers in your car, regardless of who is responsible for the accident.

Body injury liability

This policy pays for your injuries, damages, and court expenses in case of an accident. For most states it is also legally necessary, providing ample coverage to protect the assets in case of an accident.

Property damage liability

This policy takes care of the damage to somebody’s property in an incident, caused by your car. In some states, it is also mandatory to have property damage liability.

New car replacement

Under this policy, if you suffer a complete loss, the insurance provider pays to buy a vehicle with the same make, model, and year. Your vehicle at the time of the incident must be two years old or less to qualify.

Loan gap coverage

If you lease or finance your car you must have gap coverage. If your car is totally destroyed or stolen, the insurance provider will pay the financial cost incurred other than the cost of the vehicle like interest on a loan. It is an add-on policy to an existing plan.

Underinsured motorist (UIM)

When anyone injures you in an accident, this policy covers medical costs but does not have enough liability insurance to cover the complete cost of the injury.

Uninsured motorist (UM)

This coverage includes the damages and injuries of an incident caused by someone who has no liability insurance or a hit and run driver.

Health care primary

Health Care Primary is an option coverage available to personal auto insurance policyholders in New Jersey who currently have health insurance. It can lower your PIP coverage by 25%.

Medical payments

This coverage will pay for medical and funeral costs up to the extent of your coverage in event of catastrophic accident.

Transportation expenses

If your vehicle was damaged in an accident and not able to start, this coverage will pay for your emergency transport expenses.

Towing and labor

This covers the expense of towing your vehicle to a repair shop when the car is damaged and is not drivable.

Accident forgiveness

This coverage will waive the usual penalties for your first at-fault accident. This is a good add-on for new drivers.

Pet injury

If your pet gets injured in an accident, under this policy, you can get compensation for the emergency treatment and other expenses for your injured pet.

Plymouth Rock Discounts and Benefits

Plymouth Rock offers multiple benefits and attractive incentives that force people to opt-in into their insurance plans. These are some of the benefits and discounts that they offer:

Motor club member

If you are an active member of an official motor club like AAA, you may get up to a 5 percent discount. Ask your motor club agent in your state.

Companion package

You are eligible for a discount if insure your home and vehicle with Plymouth Rock.


Getting insurance for more than one car, such as vehicles of both husband and wife, will make the policy holder eligible for a multi-car discount.

Pay in full

Plymouth Rock will lower your premium cost if you pay your total premium in one or two installments.

Safe driver

When you are older than 18 and have a clean driving record free of injuries and penalties, you will be awarded a discount for your safe driving.

Distant student

Have you got a kid who’s more than 100 miles away from school and isn’t driving your car much? You might get a discount.

Pros and Cons


  • Submit a claim online or by phone at any time 24/7
  • Have a great network of local agents who have the market knowledge of their state
  • Diverse coverage choices
  • Have a strong financial background, top-ranked by A.M


  • Only available to the people of five states; Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania
  • For married couples and middle-aged drivers, the premiums appear to be higher.
  • Doesn’t have a loyalty reward program


Despite its standing as a regional insurance company Plymouth Rock’s services stand up to rival insurers. Based on its excellent financial position and a good history of customer service, Plymouth Rock may be a perfect choice for the automotive or homeowners program.