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Prudential Auto Insurance Review for 2025 (Offered by Plymouth Rock)

Prudential auto insurance starts at $76 per month through Plymouth Rock for drivers who need state-minimum coverage. Our Prudential auto insurance review features the Plymouth Rock Door-to-Door Valet Claim Service and the Get Home Safe program, which offers reimbursements of up to $50 annually.

UPDATED: Jun 27, 2025Fact Checked

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...

Licensed Insurance Agent

UPDATED: Jun 27, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 27, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 27, 2025Fact Checked
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Prudential

Monthly Rate:

$76

A.M. Best:

A+

Complaint Level:

Low

Pros

  • Plymouth Rock powers Prudential auto insurance in select states
  • Bundling with Prudential and Plymouth Rock saves up to 25%
  • Low NAIC complaints reflect well on Prudential’s service partner

Cons

  • Prudential relies on Plymouth Rock to underwrite and service auto policies
  • Coverage is available only in specific Northeast states under Plymouth Rock
Prudential was founded in 1875 by John F. Dryden in Newark, New Jersey, and its headquarters remain there to this day. At the time of its founding, Prudential was called The Widows and Orphans Friendly Society. The company settled on its current name in 1877. During its early days, Prudential sold industrial and life insurance to low-income Americans. Prudential quickly became a major innovator in the life insurance industry. By 1905, Prudential had 6.49 million policies and $102.38 million in assets. Over the next century, Prudential expanded its offerings to mortgage policies, residential real estate, and other programs. The company sold its healthcare division, Prudential HealthCare, to Aetna in 1999. Therefore, Prudential does not underwrite or administer health plans or health insurance policies.

This Prudential auto insurance review found that Prudential doesn’t sell car insurance directly, but it partners with Plymouth Rock to offer customers both financial services and insurance products.

Prudential Auto Insurance Rating

Rating CriteriaPrudential Logo
Overall Score4.2
Business Reviews5.0
Claim Processing4.0
Company Reputation4.5
Coverage Availability5.0
Coverage Value4.3
Customer Satisfaction2.5
Digital Experience4.5
Discounts Available3.8
Insurance Cost3.8
Plan Personalization4.5
Policy Options4.5
Savings Potential3.8

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To obtain a Prudential auto insurance quote, you’ll want to speak with a Plymouth Rock representative. For questions, the Prudential car insurance phone number is 1-800-437-5556, which redirects to Plymouth Rock Assurance.

Since its inception, Prudential has focused on providing policyholders with sickness relief, retirement benefits, and financial stability. Find out what sets their customer support apart in the Plymouth Rock auto insurance review.

Things to Remember

  • Prudential auto insurance is offered via Plymouth Rock only in NJ
  • Plymouth Rock offers Prudential drivers 2.1x rate cuts for teens
  • EZView lets Prudential-Plymouth auto claims process in 24 hrs

Enter your ZIP code into our free tool now to instantly compare your Prudential auto insurance quote against top competitors in your area.

Prudential Auto Insurance Rates Breakdown

All activities for auto insurance are conducted through Plymouth Rock. Therefore, there is no Prudential auto insurance login, claims phone number, customer service, or other contact numbers.

Prudential Financial Homepage: Prudential Auto Insurance Review

In most cases, Prudential car insurance reviews reference Plymouth Rock. If you are wondering how rates at Plymouth Rock auto insurance stack up, the table below shows the national averages so you can compare:

Prudential Auto Insurance Monthly Rates by Coverage Level

Age & GenderMinimum CoverageFull Coverage
16-Year-Old Female$212$458
16-Year-Old Male$238$495
18-Year-Old Female$185$422
18-Year-Old Male$202$468
25-Year-Old Female$125$285
25-Year-Old Male$138$312
30-Year-Old Female$98$235
30-Year-Old Male$105$252
45-Year-Old Female$80$170
45-Year-Old Male$86$184
60-Year-Old Female$76$185
60-Year-Old Male$80$192
65-Year-Old Female$79$188
65-Year-Old Male$83$195

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Prudential auto insurance rates change a lot depending on age, gender, and how much coverage you want. Young male drivers have the highest monthly fees; for example, 16-year-olds might pay up to $510 for full coverage with Plymouth Rock.

Rates start to decrease around age 25, with 30-year-old females typically paying an average of $180 for minimum coverage. Older adults receive the best deals, with females aged 65 years or older paying just $130 each month for basic protection.

Prudential auto insurance rates through Plymouth Rock can be very different depending on age, gender, and whether you are married or not. Young males who are teenagers have to pay the most at $752 each month. On the other hand, females aged 60 and married only need to pay $187, which is the lowest rate.

Auto Insurance Monthly Rates by Age & Marital Status

Age & Marital StatusRates
Single 17-Year-Old Female$240
Single 17-Year-Old Male$270
Single 25-Year-Old Female$110
Single 25-Year-Old Male$125
Married 35-Year-Old Male$85
Married 35-Year-Old Female$80
Married 60-Year-Old Female$70
Married 60-Year-Old Male$72

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Rates start to become more balanced by age 35, with married males and females averaging around $204 per month. Young single drivers, primarily those under 25 years old, can expect higher premiums. However, as they age and their driving history improves, they may become eligible for additional discounts.

Prudential vs. Top Competitors: Auto Insurance Monthly Rates

Insurance CompanyMinimum CoverageFull Coverage
Prudential Logo$86$184
Allstate: American Alliance Auto Insurance Review$87$228
American Family: American Alliance Auto Insurance Review$62$166
Farmers: American Alliance Auto Insurance Review$76$198
Geico: American Alliance Auto Insurance Review$43$114
Liberty Mutual: American Alliance Auto Insurance Review$96$248
Nationwide: American Alliance Auto Insurance Review$63$164
Progressive: American Alliance Auto Insurance Review$56$150
State Farm TablePress Logo: American Alliance Auto Insurance Review$47$123
Travelers TablePress Logo: American Alliance Auto Insurance Review$53$141

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When looking at minimum rates, Prudential’s $86 is about average. However, other companies, such as Geico and State Farm, offer cheaper options with monthly rates of $43 and $47, respectively.

Full Coverage Auto Insurance Definition Card: Prudential Auto Insurance Review

For full coverage, Prudential costs $184, but there are more affordable choices, such as Progressive at $150 and Nationwide at $164. Only Liberty Mutual offers more expensive full coverage at $248, which makes Prudential less attractive for drivers who are careful about their budget and comparing complete policy costs.

Auto Insurance Monthly Full Coverage Rates by Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Prudential Logo$184$215$245$245
Allstate: Prudential Auto Insurance Review$228$268$321$385
American Family: Prudential Auto Insurance Review$166$194$251$276
Farmers: Prudential Auto Insurance Review$198$247$282$275
Geico: Prudential Auto Insurance Review$114$151$189$309
Liberty Mutual: Prudential Auto Insurance Review$248$302$335$447
Nationwide: Prudential Auto Insurance Review$164$196$230$338
Progressive: Prudential Auto Insurance Review$150$199$265$200
State Farm: Prudential Auto Insurance Review$123$137$146$160
Travelers: Prudential Auto Insurance Review$141$192$199$294

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Drivers with a clean record pay $184 each month through Prudential via Plymouth Rock. If a driver has a DUI, they still pay $245 – this is less than many top insurance companies ask for.

When you look at Allstate, their rate for drivers with a DUI is $385. So, Prudential’s same pricing offers more stability and is a better deal in this comparison.

Prudential auto insurance rates shift with your record. For example, one speeding ticket can raise premiums by 20–30% through Plymouth Rock.

Justin Wright Licensed Insurance Agent

Although Geico has the lowest rate for clean records at $114, Prudential is notable because it gives steady prices even for drivers with violations.

Read more: How Auto Insurance Companies Check Driving Records

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Prudential Auto Insurance Coverage Options

Prudential auto insurance, which you can get only through Plymouth Rock in New Jersey, offers important coverage choices suited for different drivers’ requirements:

  • Bodily Injury Liability: This pays for medical and legal expenses if you cause an accident and hurt someone. In New Jersey, the minimum limits are $15,000 per person and $30,000 per accident.
  • Property Damage Liability: This coverage pays for the damage you cause to another person’s property; in New Jersey, the minimum coverage is $5,000 per accident.
  • Personal Injury Protection (PIP): This coverage provides a minimum of $ 15,000 per person for medical expenses, lost wages, and funeral costs in New Jersey. It is no-fault coverage, which means it applies even if you are not at fault.
  • Collision Coverage: This pays for repairs to your vehicle if it gets damaged in an accident. Lenders typically require this coverage when you finance or lease a car.
  • Comprehensive Coverage: This type of insurance provides protection against damages not caused by a collision, including theft, vandalism, fire, and damage resulting from severe weather. It is optional but suggested.
  • Uninsured/Underinsured Motorist: This coverage helps pay for your medical bills and car repairs if you are hit by a driver who does not have sufficient insurance. In New Jersey, the minimum is $ 15,000 or $30,000.

These options enable Prudential-Plymouth Rock policyholders to customize their protection with confidence. Learn what standard auto insurance covers under Prudential policies and how Plymouth Rock applies each feature.

Plymouth Rock Assurance Homepage: Prudential Auto Insurance Review

Although there is no general Prudential auto and home insurance, the company does offer several other types of insurance. These include:

  • Life Insurance for Individuals: Individual life insurance gives you peace of mind by protecting the people you love. You can reach Prudential customer service for life insurance at 1-800-778-2255.
  • Health Insurance for Individuals: Get quality individual health coverage that fits your needs.
  • Group Insurance for Employers: Prudential group insurance can help your business by attracting top talent with competitive benefit offerings and improving productivity by reducing disability durations.

Although Prudential’s primary business is insurance, the company offers additional financial programs like retirement solutions, annuity programs, financial education, and pension risk transfers for employers.

For questions about retirement plans, the Prudential retirement phone number is 1-800-621-1089 for policyholders who get pension benefits through a group annuity. If your retirement is through Empower, the Prudential life insurance phone number is 1-877-778-2100. Prudential Financial also offers:

  • Investments
  • Residential Real Estate
  • Employee Benefits
  • Mortgages

Prudential has stated that its mission is “to help our customers achieve financial prosperity and peace of mind.” You can reach Prudential car insurance by calling 1-800-437-5556, which connects you directly to Plymouth Rock Assurance.

Prudential Auto Insurance Discounts

Learn how Prudential auto insurance drivers can make their rates lower. Plymouth Rock, which offers Prudential auto insurance, provides numerous discounts that reward safe driving habits and offers convenient payment options. The best auto insurance discounts for good drivers are available through loyalty programs and tech-enabled claims backed by Prudential’s Plymouth Rock partnership.

Prudential Auto Insurance Discounts

DiscountPrudential Logo
Multi-Car20%
Good Driver20%
Bundling15%
Good Student15%
Defensive Driving10%
Low Mileage10%
Paid in Full8%
Anti-Theft5%
Auto-Pay5%
Paperless Billing5%

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Drivers who are safe and households with multiple cars can save up to 20%. If you combine your car insurance with home insurance, you can save 15% on your rates. You can save more by paying everything at once, switching to paperless billing, or using auto-pay. Each of these options can reduce costs up to 8% for eligible policyholders.

Prudential Auto Insurance: Customer Reviews and Ratings

Examine how Prudential’s auto insurance ratings reflect its performance. J.D. Power gives it a score of 790 out of 1,000 for customer satisfaction, and the Better Business Bureau (BBB) awards an A grade for its quality of customer service. Consumer Reports gives the product a rating of 78/100, appreciating its clear policies.

Prudential Insurance Business Ratings & Consumer Reviews

AgencyPrudential Logo
J.D. Power: Prudential Auto Insurance ReviewScore: 790 / 1,000
Above Avg. Satisfaction
BBB: Prudential Auto Insurance ReviewScore: A
Excellent Customer Service
Consumer Reports: Prudential Auto Insurance ReviewScore: 78/100
Good Policy Transparency
NAIC: Prudential Auto Insurance ReviewScore: 0.50
Better than Avg. Complaints
A.M. Best: Prudential Auto Insurance ReviewScore: A+
Excellent Financial Stability

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With a low 0.50 complaint index from the NAIC and an A+ grade from A.M. Best, Prudential, through Plymouth Rock, demonstrates good financial stability and consistent service.

This makes it a strong choice for drivers who want clear terms and dependable claim help. Learn how to check if an auto insurance company is legitimate before trusting third-party providers like Plymouth Rock with your Prudential policy.

Is Plymouth Rock the cheapest car insurance?
byu/Aspergers_R_Us87 inInsurance


This Reddit post discusses a user who switched from MAPFRE Commerce after many years of having bundled coverage. They discovered that Plymouth Rock had cheaper rates, with quotes of $775 for home insurance and $1,229 for two trucks.

The post emphasizes the importance of comparing prices, especially when seeking less expensive combined home and car insurance options.

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Prudential Life Insurance: Comprehensive Support and Coverage

When it comes to managing your life insurance policy with Prudential, you can rely on convenient support and comprehensive coverage options. Here’s what you need to know:

  • Claims Support: Whether you’re filing a claim or have inquiries about your policy, Prudential’s customer support team is just a call away.
  • Local Agents: Find a trusted insurance professional in your area who can provide personalized guidance tailored to your specific insurance needs.
  • Financial Strength: Prudential’s A.M. Best rating reflects its financial strength and stability in the insurance industry.
  • Quick Assistance: Save Prudential’s claims phone number for easy access during the claims process.
  • Dedicated Support: Reach out to Prudential’s dedicated support team for general inquiries or policy-related questions.

These features ensure that policyholders receive dependable help and trustworthy financial support when they need it most.

  • Customer Reviews: Gain insights into Prudential’s services and products by exploring reviews from policyholders.
  • Feedback Handling: Stay informed about customer concerns and understand how Prudential addresses and responds to feedback.
  • Excellent Service: Experience top-notch customer service with Prudential’s committed team throughout your insurance journey.
  • Policy Quotes: Request quotes to compare premiums and find the policy that best suits your needs and budget.

When considering life insurance options, Prudential stands as a reputable provider offering comprehensive coverage and reliable services.

Discover more by reading our guide: Comprehensive Auto Insurance Claim

Bundling Prudential Auto & Home Insurance

Prudential collaborates with Plymouth Rock to provide home and auto insurance, even if it doesn’t offer these policies directly. For quotes, claims, or assistance with coverage details, policyholders can call 1-800-437-5556 to talk to customer service. Learn how Plymouth Rock makes Prudential one of the best companies for bundling home and auto insurance through policy flexibility.

Bundling Prudential auto and home insurance with Plymouth Rock simplifies billing. For example, some policies get priority claims handling.

Laura Berry Former Licensed Insurance Producer

Plymouth Rock handles the insurance aspect, and Prudential ensures a trustworthy experience backed by solid financial stability and excellent service. This partnership provides customers with reliable protection and assistance when they need it most.

How Prudential Adds Value with Plymouth Rock

Prudential auto insurance, available through Plymouth Rock, offers drivers practical perks and genuine benefits. One of them is Get Home Safe; it pays up to $50 for a one-way taxi or rideshare when driving isn’t safe. Crashbusters Mobile Claim Service sends vans to inspect damage at the location and may offer same-day payment.

Learn more: Best Rideshare Auto Insurance

Additionally, Door to Door Valet Claim Service handles the pickup of your vehicle, arranges repairs, and returns it, including rental cars, if your policy covers them. These features come at no extra cost and blend convenience with safety.

Looking for Prudential car insurance quotes? Explore trusted Prudential reviews by entering your ZIP code into our free quote comparison tool.

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Frequently Asked Questions

What can you learn from Prudential car insurance reviews?

Prudential auto insurance reviews refer to policies handled by Plymouth Rock. They highlight services like Crashbusters claims and Get Home Safe perks.

Is Prudential insurance good for your coverage needs?

Yes, Prudential is well-rated for life, health, and group benefits with an A+ rating from A.M. Best. While it doesn’t underwrite auto insurance directly.

How reliable is the Prudential insurance rating?

Prudential insurance rating from A.M. Best is A+ for financial strength. Its auto insurance partner, Plymouth Rock, also maintains favorable regional service ratings and a below-average complaint index. Access personalized Prudential auto insurance options by using our free ZIP code quote tool.

Where can you get a Prudential auto insurance quote?

You can request a Prudential auto insurance quote through Plymouth Rock. Monthly rates typically begin around $120 for state-minimum coverage in areas where it’s available.

Is Prudential an actual auto insurance company?

Prudential does not directly underwrite auto insurance. Instead, it partners with Plymouth Rock, which issues and manages the auto policies in states like New Jersey. Discover how to evaluate auto insurance quotes to better understand discounts offered through Prudential’s Plymouth Rock partnership.

What is the Prudential auto insurance phone number?

Call 1-800-437-5556 to inquire about Prudential auto insurance. This line connects you with Plymouth Rock, which handles quotes, claims, and customer service.

What should you know from Prudential life insurance reviews?

Prudential life insurance reviews indicate that Prudential is highly rated for financial stability and offers term, universal, and variable life insurance products. It’s especially valued for customizable options and policy riders.

How helpful are Prudential home insurance reviews for new buyers?

Prudential does not directly underwrite home insurance. Prudential homeowners insurance reviews often reflect experiences with Plymouth Rock, which handles home coverage and claims on Prudential’s behalf in select states.

What do Prudential disability insurance reviews say about benefits?

Reviews highlight that Prudential’s disability insurance offers strong long-term protection, especially for employer-sponsored plans. See how regional plans make cheap auto insurance for disabled drivers possible through Prudential’s connection with Plymouth Rock Assurance.

Are Prudential health insurance reviews generally positive?

Prudential does not offer individual health insurance in the U.S. Reviews that mention “Prudential health insurance” typically refer to group benefits provided through employers, which are rated as dependable and well-managed.

What can you expect from a Prudential insurance review?

A Prudential insurance reviews highlight strong financial backing and a diverse range of offerings. While Prudential handles life and retirement services, its auto insurance is offered through Plymouth Rock in select U.S. states.

Does Prudential offer auto insurance?

Prudential doesn’t underwrite auto insurance but partners with Plymouth Rock in select states. Coverage starts at $74 per month and includes perks like Get Home Safe and valet claims service.

Does Prudential have a good reputation?

Yes, Prudential has strong ratings, including A+ from A.M. Best and a 790 J.D. Power score. Its low 0.50 NAIC complaint index reflects high customer satisfaction. Compare how Prudential matches up with auto insurance companies that offer the best customer service.

What should you know from a Prudential Guarantee car insurance review?

Prudential Guarantee offers auto insurance in the Philippines, not the United States. It provides CTPL and comprehensive policies locally and is not affiliated with Prudential Financial or Plymouth Rock in the United States. View top Prudential auto insurance deals available in your area by entering your ZIP code now.

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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<h3>Prudential Auto Insurance Monthly Rates by Driving Record</h3>
<h3>Prudential Auto Insurance Monthly Rates by Driving Record</h3>