Plymouth Rock Insurance: Navigating the Bumpy Terrain of Auto Coverage

Plymouth Rock Insurance was founded in 1982 in Boston, Massachusetts by James M. Stone. Stone had previously worked at Liberty Mutual Insurance for over 20 years before deciding to start his own auto insurance company.

The goal with Plymouth Rock was to provide affordable car insurance rates to drivers in Massachusetts, while still providing quality customer service. Over the years, Plymouth Rock expanded to offer insurance in other states beyond Massachusetts, including New Jersey, New York, Connecticut, Rhode Island, and Pennsylvania.

Today, Plymouth Rock is led by CEO Gerry Wilson. The company insures over 1 million vehicles across the Northeast and employs over 1,000 people. Plymouth Rock aims to differentiate itself through competitive pricing, excellent claims service, and a focus on customer satisfaction. The company slogan is “Service Built on Trust” which speaks to their commitment to building long-term relationships with customers.

Plymouth Rock continues to be an innovative player in the insurance industry, leveraging technology to simplify the insurance process for customers. They were one of the first insurers to allow customers to purchase and manage policies completely online. The company also uses telematics and usage-based insurance options to offer even more customized pricing.

Overall, Plymouth Rock Insurance has grown over the past 40 years into one of the leading regional auto insurance carriers while staying true to its roots of affordable rates and great customer service.

Products Offered

Plymouth Rock offers a wide range of insurance products for personal and commercial customers. Some of the key products include:

Auto Insurance

Plymouth Rock provides extensive auto insurance coverage options for drivers. They offer standard policies like liability, collision, and comprehensive, as well as additional coverage like rental reimbursement, roadside assistance, and rideshare coverage. Drivers can customize their policies based on their needs. Discounts are available for things like good driving records and anti-theft devices.

Home Insurance

Home insurance from Plymouth Rock includes dwelling coverage, personal property protection, liability coverage, and more. Standard homeowners insurance as well as renters and condo insurance is available. Options like replacement cost coverage, water backup protection, and identity theft can be added. Discounts are given for alarm systems, being claims-free, and more.

Business Insurance

Plymouth Rock offers a full suite of commercial insurance products for small and mid-sized businesses. This includes general liability, commercial property, commercial auto, workers’ compensation, professional liability, cyber liability, and more. Businesses can get customized coverage for their specific industry and risks.

Coverage Options

Plymouth Rock offers a wide variety of coverage options to meet the needs of different drivers. Drivers can customize their policies by choosing from different levels of liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

Liability Coverage

Liability coverage pays for injury or damage that the policyholder causes to others in an accident when they are at fault. Plymouth Rock offers several liability limit options, typically starting at $25,000 per person/$50,000 per accident for bodily injury and $25,000 for property damage. Higher limits like $100,000/$300,000 bodily injury and $100,000 property damage are available for an additional premium.

Collision and Comprehensive Coverage

Collision pays to repair or replace the policyholder’s vehicle if they are involved in an accident, regardless of fault. Comprehensive covers damage from non-collision events like theft, vandalism, fire, hail, floods, and animal collisions. Plymouth Rock allows drivers to choose their collision and comprehensive deductibles, usually between $250 to $1,000. Higher deductibles lower the premium but mean more out-of-pocket expense in the event of a claim.

Uninsured/Underinsured Motorist

This optional coverage protects the policyholder if they are hit by a driver who doesn’t have sufficient insurance. Plymouth Rock offers uninsured motorist bodily injury and property damage coverage limits equal to the liability limits. Underinsured motorist coverage is also available in case the at-fault driver’s liability limits are inadequate to fully cover the policyholder’s losses.

Plymouth Rock also offers additional options like rental reimbursement, roadside assistance, OEM parts coverage, and new car replacements to customize the policy. Knowledgeable agents can explain the various options to help customers select the right coverages.


Plymouth Rock Insurance offers a variety of discounts to help customers save money on their auto insurance premiums. Some of the most common discounts offered include:

  • Good driver discount – Drivers with a clean driving record free of accidents or violations can receive up to 30% off their premiums. The longer you’ve been driving safely, the higher the discount.

  • Good student discount – Full-time high school or college students who maintain a B average or higher can receive up to 15% off. Proof of grades is required.

  • Multi-car discount – Households that insure more than one car on the same policy can save up to 10% per vehicle.

  • Anti-theft discount – Cars with anti-theft devices like alarms and ignition disablers can earn up to 15% off premiums.

  • Defensive driver discount – Drivers who complete an approved defensive driving course can save 5-10% on premiums.

  • Low mileage discount – Drivers who drive fewer than a specified number of miles per year (usually around 10,000) can save up to 10%.

  • Good payer discount – Customers with a history of on-time payments and no lapses in insurance coverage can save up to 10%.

  • Multi-policy discount – Customers who bundle auto insurance with homeowners or renters insurance from Plymouth Rock save up to 12% on both policies.

  • New car discount – Brand new vehicles that have the latest safety features can earn discounts of 5-15% for the first few policy terms after purchase.

Taking advantage of all possible discounts can lead to significant savings on Plymouth Rock auto insurance premiums for eligible drivers.

Customer Service

Plymouth Rock Insurance has received positive reviews for its customer service. The company focuses on providing a smooth insurance experience for customers.

According to J.D. Power’s auto insurance satisfaction study, Plymouth Rock ranks above average for customer satisfaction. Customers have praised the company’s fast claims handling and friendly service. Many reviewers mention the ease of getting in touch with agents and having claims resolved quickly.

Plymouth Rock’s customer service department is available 24/7 for emergency claims or assistance. Customers can easily reach an agent by phone, email, or through the online customer portal. The company aims to make the claims process as simple as possible.

Review sites like Trustpilot and BBB give Plymouth Rock high marks for customer service. The company has over 700 Trustpilot reviews with an average rating of 4 out of 5 stars. Customers highlight the helpfulness of agents and smooth interactions. BBB gives Plymouth Rock an A+ rating overall.

By focusing on customer needs through 24/7 availability, fast claims handling, and personable service, Plymouth Rock Insurance delivers satisfactory customer experiences. Reviews show many customers are pleased with the level of service and recommend the company to others.

Claims Process

Filing an insurance claim with Plymouth Rock is straightforward. Here’s an overview of what to expect when you need to submit a claim:

Reporting the Claim

  • Call Plymouth Rock’s claims center or report the claim online as soon as possible after an accident or loss occurs. Provide details about what happened and any damage or injuries.

  • Take photos of the damage or scene of the accident if possible. Save any evidence related to the incident.

  • Obtain a police report if the incident involves any criminal activity like theft or vandalism.

  • Contact information for Plymouth Rock’s claims center and online claim reporting can be found on their website or on your insurance card.

Claim Investigation

  • A claims adjuster will contact you to get more details about the loss event and request any documentation needed to process the claim. This could include repair estimates, medical bills, or police reports.

  • The adjuster will investigate the claim, which may involve inspecting any damaged property, reviewing the official accident report, or getting statements from witnesses.

Settlement Offer

  • Once the investigation is complete, the adjuster will determine if the claim is approved and calculate a settlement amount based on the policy coverage.

  • For approved claims, the adjuster will present a settlement offer and payment method. This starts the negotiation process if you disagree with any part of the offer.

  • Rejected claims will come with an explanation of why coverage was denied. There is an appeals process you can initiate if you believe the denial was unwarranted.


  • Once you accept the settlement offer, payment will be issued according to the agreed upon method. Common options are: reimbursement to you, direct payment to service providers like auto repair shops, or replacement of damaged property.

  • The entire process usually takes 2-6 weeks from when the claim is first reported to final settlement, depending on complexity. Plymouth Rock aims to make it as smooth as possible.

Financial Strength

Plymouth Rock is considered a financially strong insurance company, as evidenced by high ratings from independent rating agencies. The company has an A- (Excellent) rating from A.M. Best, which evaluates a company’s ability to meet its ongoing insurance obligations. Plymouth Rock also has an A- rating from Standard & Poor’s, indicating a strong capacity to meet financial commitments.

These high ratings are due to Plymouth Rock’s stable underwriting performance, diverse business profile, and effective enterprise risk management. The company has maintained a conservative investment portfolio and prudent reserving practices. Plymouth Rock has grown premiums consistently over the past several years while keeping its combined ratio, a measure of underwriting profitability, at a favorable level.

Plymouth Rock’s positive ratings outlook reflects expectations that its operating performance will remain solid. The company is well-positioned to withstand potential economic downturns or disruptions. Overall, the strong financial ratings provide confidence in Plymouth Rock’s long-term viability and its ability to pay out future claims. Customers can trust that the company will deliver on its promises.


Plymouth Rock primarily operates in the Northeastern United States, with a presence in the following states:

  • Massachusetts
  • New Hampshire
  • Connecticut
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont

The company was founded in Massachusetts in 1982 and has since expanded across the region. Plymouth Rock is able to offer competitive rates by focusing on these states rather than operating nationwide. This regional approach allows them to tailor products and services to the local markets.

Plymouth Rock has a strong presence throughout New England as an insurance provider for both personal auto and home insurance. They have been operating in states like Massachusetts and Rhode Island for decades. The company expanded into the mid-Atlantic region in the 1990s and 2000s, entering markets like New York, New Jersey, and Pennsylvania.

Today, Plymouth Rock provides insurance products to customers across these Northeastern and mid-Atlantic states. They continue to focus their efforts on deepening their market penetration in these regions rather than pursuing nationwide expansion. This has allowed Plymouth Rock to establish itself as a leading insurance provider known for competitive rates and quality service throughout the Northeast.


Plymouth Rock competes with many of the major national and regional insurance companies in the markets where it operates. Some of its main competitors include:

  • State Farm: One of the largest auto and home insurers in the U.S. State Farm has a strong presence in Plymouth Rock’s home state of Massachusetts as well as New Jersey and Connecticut.

  • Allstate: A leading national insurer that competes directly with Plymouth Rock in auto, home, and business insurance lines across the Northeast.

  • Liberty Mutual: Headquartered in Boston, Liberty Mutual is another major competitor for Plymouth Rock in Massachusetts as well as Connecticut and New Jersey across auto, home, and business insurance.

  • Geico: Owned by Berkshire Hathaway, Geico has grown significantly in recent years and is now a top competitor for Plymouth Rock in auto insurance. Geico competes on price and ease of service.

  • Progressive: Well known for auto insurance, Progressive also offers home insurance and has expanded in Plymouth Rock’s Northeast markets. Progressive is known for competitive rates and innovative offerings.

  • Travelers: As one of the largest property and casualty insurers in the country, Travelers competes with Plymouth Rock across auto, home, and business insurance products.

While Plymouth Rock competes with these much larger national players, it looks to differentiate itself through strong customer service, local expertise, and competitive pricing. The company strives to provide a more personal level of service compared to the large insurers.


Plymouth Rock Insurance offers a wide range of auto, home, and business insurance products with competitive rates and discounts. Their customer-focused approach aims to simplify insurance and provide exceptional service.

Some key highlights of Plymouth Rock include:

  • Broad coverage options for auto, home, condo, and business insurance needs
  • Discounts are available for good drivers, combining policies, paying in full, and more
  • Highly rated claims service with fast response times and digital claims tools
  • Strong financial backing as part of the Liberty Mutual Group
  • Availability in Northeastern states including Massachusetts, New Hampshire, Connecticut, New York, New Jersey, and Pennsylvania

Plymouth Rock is a great option for drivers, homeowners, and business owners looking for quality coverage, discounts, and excellent customer service. Their focus on innovation and technology sets them apart from traditional insurance companies.

Drivers with good records, homeowners needing condo or rental insurance, and small business owners should consider getting a quote from Plymouth Rock. Their combination of competitive pricing and highly-rated service makes them a top choice for insurance in their markets.

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