Plymouth Rock Assurance is a Northeast regional insurer founded in 1982 by former Massachusetts insurance commissioner Jim Stone and headquartered in Boston. It sells auto coverage through independent agents and directly to consumers in six states, and it is known for distinctive service features. Here is an independent look at Plymouth Rock auto insurance, its estimated rates, and how it compares in 2026.
Plymouth Rock Assurance is a group of separately branded companies writing auto and home insurance across Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. Founded in 1982 and based in Boston, it sells through independent agents and direct-to-consumer channels. It carries an A- (Excellent) AM Best rating, upgraded to a Positive outlook in 2026, and draws fewer complaints than expected for its size. It is best known for service perks like Get Home Safe, Door-to-Door Valet Claim Service, and Crashbusters mobile claims, though its customer-satisfaction scores in J.D. Power's 2025 regional study came in below average, and it is not an option outside its six-state footprint.
Independent market estimates based on NAIC rate filings and state insurance department data. Not provided by or endorsed by Plymouth Rock. Actual rates vary by state, ZIP, and individual profile.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,660/yr | Near avg. | Sold via independent agents and direct |
| Single accident (3 yrs) | ~$2,300/yr | Near avg. | Door-to-Door Valet Claim Service |
| DUI on record | ~$3,400/yr | Above avg. | Standard-market surcharge |
| Young driver (18–24) | ~$3,100/yr | Above avg. | Good-student and telematics discounts |
| Senior driver (65+) | ~$1,560/yr | Near avg. | Varies by subsidiary and state |
| Lower credit tier | ~$2,480/yr | Near avg. | Credit scoring applies where legal |
ⓘ Source: NAIC filings and state regulatory data. Not quotes from Plymouth Rock. Verify pricing directly with the carrier or a licensed agent.
Plymouth Rock's clearest strength is service design. It carries an A- (Excellent) AM Best rating that was upgraded to a Positive outlook in 2026, it draws fewer complaints than expected for its size, and it has built genuinely distinctive features — Get Home Safe reimburses a ride home, the Door-to-Door Valet Claim Service picks up your car and leaves a loaner, and Crashbusters brings claims inspections to you. Selling through both independent agents and direct channels adds flexibility. The trade-offs are reach and scores. Plymouth Rock writes in only six Northeast states, it operates as a group of separately branded subsidiaries so the underlying company and experience can differ, and its customer-satisfaction results in J.D. Power's 2025 regional study landed below average. Premium estimates also vary widely by source. For drivers in its footprint the service perks are a real draw, but it is worth comparing against other carriers before deciding.
Plymouth Rock Assurance is a strong regional choice for Northeast drivers who value hands-on service features and want an A- rated insurer with an improving outlook. Weigh that against its six-state availability and its below-average regional satisfaction scores. Comparing Plymouth Rock against other carriers in your area is the fastest way to see whether its perks and price win for your profile.
Disclaimer: RateWire is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Plymouth Rock. All carrier names and trademarks are the property of their respective owners used solely for informational and comparison purposes. Rate figures are independent market estimates from publicly available NAIC and state regulatory data — not quotes from Plymouth Rock. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent before purchasing.