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Somerville, Massachusetts Auto Insurance

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The importance of choosing local car insurance

Somerville drivers know that when it comes to car insurance, local matters. That’s why Plymouth Rock Assurance has been the choice of drivers across Massachusetts for four decades. 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

 

New driver family discount

Adding a new driver under the age of 19 to your policy? You may be eligible for a discount.
 

Bundling discounts

Save money when you have multiple insurance policies, such as auto and homeowners, with Plymouth Rock.1
 

Advanced 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

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.

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.

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.

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.

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

Optional coverage

Auto insurance resources

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Drivers who switch to Plymouth Rock save an average of $702*

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.
1Certain 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.

**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.

Available to customers who have purchased comprehensive or collision coverage