New driver family discount
Adding a new driver under the age of 19 to your policy? You may be eligible for a discount.
Somerville, Massachusetts Car Insurance
Get an auto insurance quote quickly 
The importance of choosing local car insurance
Somerville drivers know that when it comes to car insurance, local matters. In 2026, Plymouth Rock was named the Best Car Insurance Company in Massachusetts◊ by The Wall Street Journal’s “Buy Side”, honoring our dedication to offering reliable auto insurance. Plymouth Rock has earned the trust of drivers across the state by combining local expertise with responsive service and coverage built for how people actually drive here. We understand the unique needs of the Northeast because we live and drive here, too.
Offering compulsory insurance such as bodily injury liability (BI), property damage liability (PD), personal injury protection (PIP), and uninsured motorist (UM) coverage, Plymouth Rock car insurance keeps you moving no matter what life throws at you. With Somerville as one of Massachusetts’ most densely populated municipalities, there are bound to be busy intersections and unexpected challenges on the road. Our car insurance is the peace of mind you need in moments of stress. Let us be the ones you rely on to get you back on the road with fast claims and compassionate customer service. From discounts for multi-car policies, to customer perks like Crashbusters®† and Get Home Safe®††, you can enjoy protection that goes beyond the basics.
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 coverage
- Medical payments coverage
- Collision and limited collision
- Comprehensive
- Substitute transportation
- Towing and labor
Download our mobile app
The smarter way to manage your policy.Â
- View ID cards
- Report and manage claims quicklyÂ
- Set up paymentsÂ
- Update your policyÂ
Scan the QR code to
download the app.
download the app.
Your team. Your insurance.
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.
Call for a quote 800-516-9242
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.
††Personal auto insurance policyholders may be reimbursed up to $50 of taxi or ride service fees once per policy per year for a one-way ride if they find themselves in a situation where it would be unsafe to operate their vehicle (not applicable to mechanical breakdown). Original receipt must be submitted with the reimbursement form.
◊ 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.