Pemco vs. Plymouth Rock Insurance

Which insurance company is right for you? Compare pros & cons, savings, and quotes from Pemco and Plymouth Rock.

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Pemco vs. Plymouth Rock: What You Need to Know

Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers, who were members of the Seattle Teachers Credit Union which he founded in 1939 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.

In 1982, the former Massachusetts Insurance Commissioner Jim Stone founded a new car insurance agency committed to the highest level of customer care and satisfaction. Plymouth Rock Assurance is a member of the Plymouth Rock Group of Companies, which together write and manage more than $1 billion in annual auto and homeowners’ insurance premiums. Plymouth Rock Assurance serves the Northeast, specifically Massachusetts, Connecticut, New Hampshire, New Jersey, and Pennsylvania. The Plymouth Rock’s Pledge of Assurance is that you will always have a friendly person answer your call during business hours; your questions will be answered and the matter resolved quickly and accurately; everything about your issues will be explained clearly; if you are unable to get the matter resolved you can speak with a supervisor or manager; and at the end of the call, you will know exactly what to do next and how Plymouth Rock will keep you informed. The pledge also includes the promise that accurate policies and statements will be issued the first time around; claims will be handled professionally and sensitively; physical damage assessments within scheduled hours and without unreasonable delays; guarantee of all repairs by approved providers; and the promise to do the best for customers with extra effort.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit PEMCO Overview and Plymouth Rock Assurance Overview.

PEMCO vs. Plymouth Rock Assurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with PEMCO and Plymouth Rock Assurance. On average, PEMCO charges approximately $89.55 per month while Plymouth Rock Assurance comes in at around $188.79 per month. For PEMCO, the cheapest state average is Washington at $89.55 per month and the most expensive is Washington at $89.55 per month. For Plymouth Rock Assurance, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.


Average Rate

Plymouth Rock Assurance

Average Rate


Average Rate

State PEMCO Plymouth Rock Assurance
Washington $89.55 -

PEMCO vs. Plymouth Rock Assurance: Rates by Number of Vehicle


Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that PEMCO and Plymouth Rock Assurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles PEMCO Plymouth Rock Assurance
1 Vehicle $86.84 $

PEMCO vs. Plymouth Rock Assurance: Rates by Homeownership

Rates Are Not Currently Available

What is Pemco and Plymouth Rock Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Pemco and Plymouth Rock ranked among the industry ratings.

ComparisonPemcoPlymouth Rock
Year Founded19491982
Market Share3.8%6.02% (2017)
A.M. Best RatingB++A-
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD PowerAmong the BestAmong the Best

Pemco or Plymouth Rock: Insurance Products Offered

What coverage is available through Pemco and Plymouth Rock? Both insurance companies offer Auto, Condo, Home, Renters, and Umbrella insurance. Additional products from Pemco insurance also includes Motorcycle and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit PEMCO and Plymouth Rock Assurance Insurance page.

InsurancePemcoPlymouth Rock
Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Pemco or Plymouth Rock: Ways To Save

Plymouth Rock offers a wide range of discounts to its policyholders, including Commercial Auto Insurance, Condo Insurance, and Home Insurance discounts. In contrast, Pemco also offers a few discounts that Plymouth Rock doesn’t, including University of Washington Alumni, Safety/Security Feature, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Plymouth Rock and Pemco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

PemcoPlymouth Rock
Accident Forgiveness BenefitAuto Insurance
Advance Purchase Discount (for new business)Commercial Auto Insurance
Auto Plus Home DiscountCondo Insurance
Defensive Driver DiscountHome Insurance
Distant Student DiscountRenters Insurance
Educator DiscountUmbrella Insurance
Good Student Discount
Homeownership Discount
Life Insurance (only for members of the teacher’s credit union)
Low Mileage Discount
Loyal Auto Customer Discount
Minor Ticket Forgiveness Benefit
New Vehicle Discount
Paid in Full Discount
Safety/Security Feature Discount
University of Washington Alumni Discount

Pros & Cons of Pemco & Plymouth Rock


  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers
Plymouth Rock
  • Plymouth Rock offers many discounts for home and auto.
  • Boasts financial strength.
  • Offers tiered auto insurance protection options, which are more economical than buying a la carte.



Plymouth Rock
  • Plymouth Rock only serves New Jersey, Massachusetts, Connecticut, New Hampshire, Pennsylvania, and New York

Pemco or Plymouth Rock Mobile Apps Options

The Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.

The Plymouth Rock Mobile app allows access to your policy, 24 hours a day, 7 days a week. You can use it to report a claim, schedule an inspection or submit photos of the damages and/or claim scene. You can also access claim information and view copies of vehicle appraisals.

Pemco Mobile App
iOS     3.65 user reviews
Android     4.368 user reviews
Plymouth Rock Mobile App
iOS     1.3107 user reviews
Android     3127 user reviews

Pemco & Plymouth Rock Contact Info

Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (800) 467-3626
Plymouth Rock Contact Info
AddressPO Box 900, Lincroft, NJ 07738-0900
Phone1 (800) 437-3535

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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