Plymouth Rock Assurance: Overview

Based in Lincroft New Jersey, Plymouth Rock Assurance has been providing insurance since 1982.

Compare Car Insurance Rates in Your Area

About Plymouth Rock

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.

Plymouth Rock Assurance takes part in charities that include the American Heart Association, Clean Ocean Action, JDRF, Make-A-Wish New Jersey, Special Olympics New Jersey, NJ State Safety Council - Teen Driver Safety, the United Way, and more.

Plymouth Rock Facts & Ratings

Year Founded1982
Market Share6.02% (2017)
Financial StrengthExcellent
JD PowerAmong the Best

Plymouth Rock Mobile App Rating

     1.3107 user reviews
     3.0127 user reviews

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.

Pros & Cons of 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 only serves New Jersey, Massachusetts, Connecticut, New Hampshire, Pennsylvania, and New York

Common Questions about Plymouth Rock

What states does Plymouth Rock Assurance write in?

Plymouth Rock Assurance offers insurance options in New Jersey, Massachusetts, Connecticut, New Hampshire, Pennsylvania, and New York.

Is Plymouth Rock Assurance good?

Plymouth Rock is a financially sound insurance company.

What is Plymouth Rock Assurance Get Home Safe® Program?

Get Home Safe is a free safety benefit created for all car insurance policyholders of Plymouth Rock Assurance. All car insurance customers are given a free one-way cab service worth up to $50 to avoid unsafe driving situations. Customers can use this benefit once per policy, per year.

What perks does Plymouth Rock Assurance offer for sports fans?

Plymouth Rock Assurance is the New England Patriots Official Auto Insurance Program. Fans get priority access to Patriots home game tickets, free admission to the Hall at Patriot Place presented by Raytheon, 15% off purchases at CBS Sporting Club at Patriot Place, a tour of Gillette Stadium, special Patriot even invitations, including the team’s annual in-stadium practice, away-game viewing parties, and other special occasions.

Does Plymouth Rock Assurance have good reviews?

Plymouth Rock Assurance has an A- from A.M. Best and an A+ from BBB, which means they get good reviews.

What is Plymouth Rock Assurance Door to Door Valet Claim Service®?

Door to Door Valet Claim Service is included at no extra charge for customers who buy comprehensive or collision coverage. Plymouth picks up the car, transports it to a participating shop of your choice and brings it back when it’s done.

What are the benefits of switching to Plymouth Rock Assurance?

There are many benefits to being a Plymouth Rock policyholder. Once a year you get a free cab ride home, as a safe driving choice. You can manage your policy online using the mobile app. There’s door-to-door valet claims service if you use a participating shop. You will also have exclusive benefits, even those for New England Patriot fans. NJ auto insurance customers get special access to Prudential Center and the New Jersey Devils.

What is Plymouth Rock Assurance Uninsured/Underinsured Motorists coverage?

Uninsured/Underinsured Motorist coverage pays for medical expenses if you’re injured in an accident caused by someone who doesn’t have liability insurance.

How to save on Plymouth Rock Assurance auto insurance:

If you bundle your home, renters or condo insurance with an auto you will get a discount. There are other discounts too, including Affinity Group Discounts, Defensive Driving Course Discounts, Health Care Primary, Pay-in-Full Discount, No Accident Discount, New Jersey Teachers Auto Insurance, AARP Member Program of MA, Anti-theft Discount, Away at School Discount, Driver Training Discount, eDocuments Discount, Good Student Discount, New Driver Discount, Safety Pledge Discount, and Motor Club Discount.

Does Plymouth Rock Assurance offer gap insurance?

You have gap insurance coverage with Assurance Premier or you can buy it a la carte.

Does Plymouth Rock Assurance have accident forgiveness?

Upon renewal, Plymouth Rock will waive a surchargeable accident if it fits certain criteria.

Will Plymouth Rock Assurance cover flood damage?

Flood insurance is a policy sold separately from a homeowners insurance policy. In some instances, like a burst pipe, home insurance may cover the bill but in cases of severe flooding caused by natural disasters, you need flood insurance.

How to save on Plymouth Rock Assurance home insurance?

There are several homeowners insurance discounts you may be eligible for: bundling home and auto, installing home protection devices, new business discount (if you switch to Plymouth Rock), age of home discount (newer homes get a discount), fire protection discount (certain materials are fire retardant), eDocument savings and a companion policy discount.

What is Plymouth Rock Connected Home Discounts?

Plymouth Rock only offers Connected Home Discounts in Pennsylvania and New Jersey, which offers discounts to homeowners who install qualified home protection devices.

Does Plymouth Rock Assurance have renters insurance?

Yes, Plymouth Rock Assurance offers renters insurance.

Plymouth Rock Insurance Products

Auto InsuranceHome Insurance
Commercial Auto InsuranceRenters Insurance
Condo InsuranceUmbrella Insurance

Plymouth Rock Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Uninsured/Underinsured Motorists

This protection pays for medical expenses if you’re injured in a vehicular accident caused by someone who doesn’t carry liability insurance or has low limits.

Medical Payments Coverage

This coverage pays for medical expenses, income loss and more if the insured and passengers hurt or killed.

Towing and Labor Coverage

This coverage will take care of roadside breakdowns, towing of a car to a shop or on-the-spot repairs.

Rental Reimbursement Coverage

This coverage will reimburse you for rental car expenses while your car is being repaired due to an accident.

Essential Assurance

Offers damage inspection, door-to-door valet claim/rental service after an accident, guaranteed repairs at participating shops for as long as you own or lease your car, a free taxi ride home once a year and more.

Assurance Plus

All the features of Essential Assurance are offered with this option, as well as additional rental coverage, mobile device replacement, pet injury coverage, laptop replacement seat belt/airbag benefits, child car seat replacement, personal property coverage, waiver of collision deductible, enhanced bail bond coverage, loss of earnings coverage and waiver of deductible for glass repairs.

Assurance Preferred

This coverage includes all features under Essential Assurance plus roadside assistance, waiver of deductible for Windshield Replacement, Additional Towing and Labor Coverage, Waiver of Depreciation, Airbag Accidental Discharge Coverage and Pet Injury Coverage.

Assurance Premier

Assurance Premier includes all features under Assurance Preferred plus Roadside Assistance, Deductible Dollars (earn $50 credit each year you don’t file a claim), Trip Interruption Coverage, New Car Replacement, Plus One Car Replacement, Loan/Lease Gap Coverage and Electronic Key Replacement.

Accident Forgiveness

Upon renewal, Plymouth Rock will waive a surchargeable accident if it fits certain criteria.

Full Glass Coverage

If you purchase this coverage, the Comprehensive Deductible will not be applied for glass only claim.

$100 Glass Deductible

If you purchase this on a vehicle, a $100 deductible will be applied for glass only claim instead of the Comprehensive deductible.

Waiver of Deductible

With this coverage, the collision deductible will not be applied in certain situations.

New Car Replacement

Plymouth Rock will pay the cost of replacing the same make, model and year of your car if you experience a total loss and your car was two model years old or less at the time of the accident.

Loan/Lease Gap Coverage

If you have a total loss, Plymouth will pay the difference if you still owe money on the totaled car. However, you cannot combine Loan/Lease Gap Coverage with New Car Replacement or Plus One Car Replacement.


Affinity Group DiscountsDefensive Driving Course Discounts
Health Care PrimaryPay-in-Full Discount
No Accident DiscountNew Jersey Teachers Auto Insurance
AARP Member Program of MAAnti-theft Discount
Away at School DiscountDriver Training Discount
eDocuments DiscountGood Student Discount
New Driver DiscountSafety Pledge Discount
Motor Club DiscountNew Business Discount
Age of Home DiscounteDocuments Savings
Companion Policy DiscountConnected Homes Discount (only in PA and NJ)

Plymouth Rock Assurance Auto Insurance Rates by State


Plymouth Rock Assurance Auto Insurance Rates by Vehicle

Number of Vehicles Avg Monthly Rate

Plymouth Rock Assurance Auto Insurance Rates by Homeownership

Own/Rent Avg Monthly Rate

Plymouth Rock Contact Info

Address PO Box 900, Lincroft, NJ 07738-0900
Phone 1 (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.

How Does Plymouth Rock Compare to Other Car Insurance Companies?

Plymouth Rock vs Foremost Plymouth Rock vs Kemper
Plymouth Rock vs MetLife Plymouth Rock vs Utica National

Compare Insurance Rates for Free.

Answer a few questions and let Penny find the best rates in your area.