Plymouth Rock Insurance Review (2026)
- Overall rating: good (3.4/5 stars)
- Average cost: $725 for a 6-month policy
- Digital Experience Score: good (3.8/5 stars)
Read more below to get a quote directly from Plymouth Rock.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Tara joined The Zebra in 2025, bringing 18 years of marketing and public relations experience with fintech and insurance brands. She specializes in c…
Credentials
- 18+ years of experience in the fintech & insurance industries
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Plymouth Rock Insurance: Budget-friendly and no frills
Plymouth Rock stands out for its very competitive pricing and a solid lineup of discounts and coverage options. However, its availability is limited to a handful of states, and customer service reviews are often less than stellar.
Still, for drivers in its service area looking for budget-friendly coverage, Plymouth Rock is worth considering — earning it a good rating from The Zebra.
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Mobile App Functionality and Usability: Manage claims, payments, and documents from your phone.
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Market Stability and Longevity: Established history suggests reliable long-term coverage.
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Ease of Filing a Claim: Complicated processes add stress when filing claims.
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Dispute Resolution Fairness: Unfair resolution can leave valid claims unpaid.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Plymouth Rock car insurance?
Currently, the national average for a 6-month car insurance policy is $1,163, whereas Plymouth Rock is about $725.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Plymouth Rock | $257 | $725 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Plymouth Rock stacks up against competitors →
Discounts offered at Plymouth Rock: helps you save
Plymouth Rock offers a wide range of discounts, from common options like multi-policy and homeowner bundles to unique savings opportunities, helping customers significantly lower their insurance premiums.
You may be eligible for a discount if you’re part of an approved affinity or alumni group.
Get a bundling discount by enrolling in a home, condo, or renters insurance policy through Plymouth Rock.
Devices like alarms, anti-lock brakes, automatic seatbelts and airbags can land you a discount on your policy.
| Bundling policies | Anti-theft devices |
| Safe driving record | Group program |
| Loyalty rewards | Road Rewards® program |
To learn more about each discount Plymouth Rock has to offer, see their discounts page.
Compare with other companies
See how Plymouth Rock stacks up against similar companies
Plymouth Rock's customer service & claims experience: Ebbs and flows
While Plymouth Rock offers convenient digital platforms for routine policy and claim management, customers report a significant drop in service quality when handling disputes or complex issues
Poorly managed!
"Poorly managed, non existent customer service and a do it yourself attitude towards their customers make this the worst insurance company. No help finding a repair facility and they send you an “E check” so you will need a printer and an banking app to be able to deposit this check. Just try getting someone from that company on the phone, be prepared to leave a message and wait for a return call that never comes." - Trustpilot
Great company to do business with
"I have been with Plymouth Rock for about 5 years and had a great experience with them. I have had 2 claims- 1 for auto damage from backing into guard post at a gas station and other wind damage to my roof. Both were handled promptly and to my satisfaction. Great company to do business with!" - Trustpilot
Left them recently
"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."- Yelp
How much will your rates climb after filing a claim with Plymouth Rock?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $996 |
| One comp claim | $996 |
| Two comp claims | $996 |
| At-fault accident - $1000-$2000 | $1,493 |
| At-fault accident - greater than $2000 | $1,493 |
Source: The Zebra
Coverage options: Flexible and customizable
All of the standard auto insurance coverage types can be purchased via Plymouth Rock — liability, collision, comprehensive, uninsured/underinsured motorist and medical payments. This insurance company also offers four tiers of extra coverage — each of which comes with some unique perks and benefits — along with some optional coverages that can be added to a Plymouth Rock policy.
✔️ Full glass coverage
Carrier pulse: Recent news from Plymouth Rock
- Plymouth Rock Names James Foxx Chief of Agency Marketing for Massachusetts and New Hampshire.[3]
Final thoughts: Is Plymouth Rock right for you?
If you live in a state in which Plymouth Rock operates, it's a solid option to pursue for your next car insurance company. With favorable customer reviews, decent rates and a long list of coverage options and discounts, Plymouth Rock is more than capable of providing a satisfactory policy. Overall, The Zebra believes that Plymouth Rock is a great option for customers within their coverage area.
Frequently Asked Questions about Plymouth Rock
Get quotes from Plymouth Rock and other top companies
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Survey. The Zebra
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Plymouth Rock Names James Foxx Chief of Agency Marketing. Globe News Wire
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
