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Is Plymouth Rock Assurance Worth It? An Independent Review (2026)
By ReliablePolicy Editorial Team
Plymouth Rock Assurance is a Northeast specialist writing auto coverage in six states from Massachusetts down to Pennsylvania. It posts a strong J.D. Power customer-service score and fewer complaints than expected for its size, though its A- financial strength rating sits a notch below the national majors. Here's what Northeast drivers should know in 2026.
Avg. annual premium
~$1,250
Full coverage; below national avg.
AM Best rating
A-
Excellent, stable outlook
JD Power score
807/1000
Customer service
Availability
6 states
Northeast only
Founded
1982
Boston-based
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Plymouth Rock Assurance overview
Plymouth Rock Assurance has written auto insurance in the Northeast since 1982 and operates in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. Independent analysis puts its full-coverage average near $1,253 per year — below the national average — though rates swing widely by state, with New Jersey drivers typically paying more than Massachusetts drivers. It earned a J.D. Power customer-service rating of 807/1,000 and receives fewer complaints than expected for a carrier its size. Its AM Best rating is A- (Excellent) with a stable outlook.
Plymouth Rock Assurance estimated rates by driver profile (2026)
Independent market estimates for drivers researching Plymouth Rock Assurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30-45 | ~$1,250/yr | Below avg. | Varies sharply MA vs NJ |
| Single accident (3 yrs) | ~$1,790/yr | Below avg. | Accident forgiveness offered |
| DUI on record | ~$3,120/yr | Near avg. | State rules drive outcome |
| Young driver (18-24) | ~$3,180/yr | Below avg. | Competitive for the region |
| Senior driver (65+) | ~$1,190/yr | Below avg. | Strong mature-driver pricing |
| Low credit score | ~$1,940/yr | Below avg. | MA restricts credit use |
Estimates based on NAIC rate filings and state insurance department data. Not quotes from Plymouth Rock Assurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.
Plymouth Rock Assurance pros and cons
Where Plymouth Rock Assurance excels
- ✓Strong J.D. Power customer-service score of 807/1,000
- ✓Full-coverage pricing below the national average
- ✓Fewer complaints than expected for its size
- ✓Regional specialization — deep knowledge of Northeast state rules
- ✓Distinctive perks including a Door-to-Door Valet Claim Service
Where Plymouth Rock Assurance falls short
- ✗Available in only six Northeast states
- ✗A- AM Best rating is a notch below national majors like Travelers or USAA
- ✗Rates vary sharply between states — New Jersey runs notably higher
- ✗Smaller brand with a thinner national comparison record
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A closer look at Plymouth Rock Assurance
Plymouth Rock's regional focus is a genuine advantage in the Northeast, where state-specific rules — Massachusetts' restrictions on credit-based pricing, New Jersey's distinctive no-fault system — reward a carrier that only has to be good at six markets. The customer-service score and low complaint volume support that. The counterweight is the A- financial strength rating, which is solid but below the A+/A++ tier of the national carriers, and pricing that varies enough by state that a Massachusetts quote tells you little about a New Jersey one.
Bottom line
A well-regarded Northeast regional with strong service scores and below-average pricing. Worth a quote in its six states; the A- financial rating is the one figure to weigh against national alternatives.
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Frequently asked questions about Plymouth Rock Assurance
Disclaimer: ReliablePolicy 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 Assurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, 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.
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