New driver family discount
Adding a new driver under the age of 19 to your policy? You may be eligible for a discount.
Amherst, Massachusetts Car Insurance
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Looking for car insurance in Amherst, MA?
At Plymouth Rock, we believe you deserve more than just car insurance. We are committed to helping Amherst, MA drivers protect what matters most by offering compassionate support when questions come up or if you need to file a claim. Our focus on personalized service, quick claims filing online, and tiers of coverage is why Plymouth Rock has been recognized by The Wall Street Journal’s “Buy Side” as the Best Car Insurance Company in Massachusetts◊ for 2026.
From appreciating the life and poetry of Emily Dickinson at her historic home museum, to taking in the rich landscape of the Pioneer Valley, Massachusetts drivers rely on their vehicle to stay connected to their community and beyond. With local roots as a Massachusetts auto insurance company, Plymouth Rock provides coverage designed for the way people live and drive across the Northeast. That’s why we provide convenient claims services like Crashbusters®†and Door to Door Valet Claim Service®†automatically with your policy at no extra cost.
Discover reliable auto insurance from Plymouth Rock — start your free auto quote today.
Car insurance discounts and benefits
Bundling discounts
Save money when you have multiple insurance policies, such as auto and homeowners, with Plymouth Rock.1
Advance shopper discount
Switch to Plymouth and you could save if you quote your new policy more than seven days before the effective date.
Got questions? You're not alone.
Common questions about car insurance
Q: Is car insurance mandatory in Massachusetts?
A: Every driver in Massachusetts must carry certain basic coverage. These coverages include bodily injury liability (BI), property damage liability (PD), personal injury protection (PIP), and uninsured motorist (UM) coverage.
Q: Does my driving record affect my car insurance?
A: Yes, your driving record is a factor. Accidents, traffic violations, or claims can increase your premium, while a clean record may help you qualify for lower rates.
Q: What is the difference between collision and comprehensive car insurance?
A: In Massachusetts, collision and comprehensive coverages are optional. Collision coverage helps pay to repair or replace your car after a collision with another vehicle or stationary object. Comprehensive coverage helps pay for damage to your car in situations not related to a collision, such as natural disasters, theft, fire, vandalism, damage caused by hitting an animal, and more. Plymouth Rock offers collision and comprehensive coverages as optional coverages for car insurance.
Q: What is telematics in car insurance?
Telematics is a method that car insurance companies use to collect information on driving behavior. It is not a requirement for car insurance. When activated, details like speed, breaking, and other driving habits are tracked in the form of an app installed on a phone or a device added to a vehicle. Plymouth Rock has their own telematics program for Massachusetts drivers called DriveSavelySM that rewards participants with a discount for good driving behavior.
Q: Is Massachusetts a no-fault state?
A: Yes, Massachusetts is a no-fault state. which means you are required to carry. Personal Injury Protection, or PIP, on your car insurance policy. This provides medical coverage for you and your passengers if there’s an accident, no matter who was at fault. When it comes to claims, your PIP coverage can only pay up to $8,000 per person minus your deductible.
Coverage options available
Compulsory coverage
- Bodily injury to others
- Bodily injury caused by an uninsured auto
- Personal injury protection (PIP)
- Damage to someone else's property
Optional coverages
- Medical payments coverage
- Collision and limited collision
- Comprehensive
- Substitute transportation
- Towing and labor
- Bodily injury caused by an underinsured auto
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Being a Plymouth Rock policyholder and sports fan has its perks. Save on home game tickets, get priority access to concerts and events, and enjoy special discounts as a Plymouth Rock customer.
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Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is financially responsible only for its own insurance products. A full list of underwriting companies by state can be found on our states licensed & disclaimers page. Actual coverage is subject to the language of the policy as issued. Some discounts, coverages, payment plans, features and benefits are not available in all states and companies, and premiums may vary by purchase method.
1 Certain restrictions, requirements, and limitations apply to our programs, policy features and discount offerings. Discount on homeowners, condo, or renters policy apply when combined with an auto policy written through Plymouth Rock. If the discount is not currently applied, it may be added upon request.
* Average annual savings number of $806 was reported by Plymouth Rock customers in multiple states who saved money by switching between 1/1/2025 and 12/31/2025. Your premium may vary due to the state and underwriting company in which your policy is written, available discounts, driving record and other factors.
‡ NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
†Available to customers who have purchased comprehensive or collision coverage.
◊ Best Car Insurance in Massachusetts 2026, John McCormick, February 12, 2026. WSJ Buy Side logo used with permission. ©2026 Dow Jones & Company, Inc.
© 2026 Plymouth Rock Assurance. All Rights Reserved.