Plymouth Rock Insurance is a regional auto insurer owned by Homesite Group

Plymouth Rock Insurance is an auto insurance company that operates in nine states: Connecticut, Delaware, Illinois, Indiana, Maryland, New Hampshire, New Jersey, New York, and Pennsylvania. It is owned by Homesite Group, which is itself owned by Berkshire Hathaway. The company sells car insurance directly to consumers, meaning you buy from Plymouth Rock itself rather than through an agent or broker.

Plymouth Rock has been in business since 1989 and focuses on drivers in the Northeast and Mid-Atlantic regions. The company is known for offering discounts for safe driving, bundling home and auto policies, and using telematics (a device or app that monitors your driving habits) to lower rates for careful drivers.

If you live in one of the nine states where Plymouth Rock operates, you can get a quote online or by phone. If you live outside those states, Plymouth Rock does not sell insurance in your area, and you would need to look at other insurers.

Key Takeaways

  • Plymouth Rock operates only in Connecticut, Delaware, Illinois, Indiana, Maryland, New Hampshire, New Jersey, New York, and Pennsylvania.
  • The company offers standard auto coverage types: liability, collision, comprehensive, and uninsured motorist protection.
  • Plymouth Rock offers discounts for bundling home and auto insurance, maintaining a clean driving record, and using their telematics program called SafeTrack.
  • You can request a quote online through their website or by calling their phone line, and rates vary based on your age, driving history, location, and vehicle type.

What coverage types Plymouth Rock offers

Plymouth Rock sells the standard types of auto insurance coverage. Liability coverage pays for damage or injuries you cause to another person or their vehicle — this is required by law in all states. Collision coverage pays to repair or replace your own car if you hit another vehicle or object. Comprehensive coverage pays for damage from events other than collisions, such as theft, weather, or vandalism.

Uninsured motorist protection covers you if you are hit by a driver who has no insurance or not enough insurance. You can also add medical payments coverage, which pays your medical bills after an accident regardless of who was at fault.

When you request a quote, you choose your coverage limits — the maximum amount the insurer will pay for each type of claim. Higher limits cost more but protect you better if you cause serious damage. Lower limits cost less but leave you paying out of pocket if the damage exceeds your limit.

How Plymouth Rock's discounts work

Plymouth Rock offers several discounts that can lower your monthly or annual premium. The most significant is the SafeTrack discount, which uses a mobile app or a small device plugged into your car's diagnostic port to track your driving. The app monitors how often you brake hard, accelerate quickly, or drive at night. Drivers who demonstrate safe habits can receive discounts of 10 to 30 percent, though the exact amount depends on your driving patterns and state.

You can also receive a discount for bundling — buying both auto and home insurance from Plymouth Rock together. The size of this discount varies by state and your specific policies. Other discounts include discounts for paying your premium in full upfront rather than monthly, maintaining continuous coverage without gaps, and completing a defensive driving course.

Not all discounts stack together, and the total savings depend on your individual situation. When you request a quote, the company will show you which discounts you may receive based on the information you provide.

How to request a quote from Plymouth Rock

You can get a quote from Plymouth Rock in two ways: online through their website or by phone. To request a quote online, you visit Plymouth Rock's website and enter basic information about yourself, your driving history, and the vehicle you want to insure. The process typically takes 10 to 15 minutes. You will need your driver's license number, vehicle identification number (VIN), and current insurance information if you have it.

If you prefer to speak with someone, you can call Plymouth Rock's phone line during business hours. A representative will walk you through the same questions and provide a quote over the phone. After you receive a quote, you have time to review it and compare it with other insurers before deciding whether to purchase.

Rates vary significantly based on your age, driving history, location within the state, the type of vehicle you drive, and the coverage limits you choose. Two people in the same state can pay very different premiums depending on these factors.

What happens after you purchase a policy

Once you purchase a policy from Plymouth Rock, you receive a policy document that outlines your coverage, limits, deductibles, and premium amount. Your deductible is the amount you pay out of pocket before the insurance company pays for a claim — common deductibles are $250, $500, or $1,000. A higher deductible lowers your monthly premium but means you pay more if you have an accident.

You can manage your policy online through Plymouth Rock's customer portal, where you can view your policy details, make payments, update your information, and request roadside information if needed. If you have SafeTrack enabled, you can also see your driving score and track your progress toward discounts.

If you are in an accident or need to file a claim, you can report it online, by phone, or through the Plymouth Rock mobile app. The company will assign a claims adjuster who will contact you to discuss the damage and arrange for repairs.

How Plymouth Rock compares to other insurers

Plymouth Rock is a regional company, so it is not available everywhere. If you live in one of the nine states where it operates, you can compare its rates and discounts with national insurers like State Farm, Geico, and Progressive, as well as other regional companies. Rates and discounts vary by location and personal factors, so getting quotes from multiple companies is the only way to know which offers the best price for your situation.

Plymouth Rock's main competitive advantage is its SafeTrack program, which can produce significant discounts for safe drivers. If you are a careful driver and want to be rewarded for it, this program may save you money compared to insurers that do not offer telematics discounts. However, if you prefer not to have your driving monitored, other insurers may be a better fit.

Frequently Asked Questions

Does Plymouth Rock insure drivers with accidents or traffic violations on their record?

Yes, Plymouth Rock insures drivers with accidents and violations, though your premium will be higher than for a clean driving record. The company considers how recent the incident was and what type of violation it was. You can request a quote to see what rate you would receive.

Can I use SafeTrack if I have an older car?

SafeTrack works with most vehicles from 1996 onward. If your car is older or does not have the required diagnostic port, you can use the mobile app version instead, which tracks your driving through your phone's GPS and motion sensors.

What if I move to a state where Plymouth Rock does not operate?

If you move outside the nine states where Plymouth Rock operates, your policy will end, and you will need to purchase insurance from another company. Plymouth Rock will not transfer your policy to a new state.

How long does it take to receive my insurance card after I purchase a policy?

Plymouth Rock provides a digital insurance card when ready after you purchase a policy, which you can display on your phone or print. A physical card is mailed to you and typically arrives within 7 to 10 business days.

Does Plymouth Rock offer discounts for low mileage?

Plymouth Rock does not advertise a specific low-mileage discount, but SafeTrack can reward drivers who drive less frequently or during safer times of day. When you request a quote, ask about any mileage-related savings you may receive.