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Prudential Financial is worth getting a quote from if you are in one of the four states it covers: Connecticut, New Jersey, New York, or Pennsylvania. Since Prudential offers unique discounts for drivers in these areas, especially for New Jersey educators, it is important to talk with an agent directly so no discount is missed.
While Prudential's standard coverage options are similar to competitors, the company really shines in its add-on packages that include special coverage for pet injuries, GAP insurance, glass replacement and more.
One important note is that Prudential distributes auto insurance through Plymouth Rock Assurance, so your policy will likely be under that company name rather than Prudential.
How we evaluate products
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.
Prudential Auto Insurance pros and cons
- Exclusive discounts and perks for NJ educators
- Better motorcycle coverage add-ons than competitors
- Special Yankee fan perks and taxi coverage
- Car insurance only available in CT, NJ, NY, and PA
- No online quotes are available
- Some Pennsylvania policies require telematics driving monitoring
How much does Prudential Auto Insurance cost?
Unfortunately, there's no way to get a quote from Prudential online. You need to work with an insurance agent to get a quote. If you live in the states that Prudential serves, getting a quote could be worth the effort.
In general, you should get at least three quotes to evaluate your options. You can use the table of national averages below to inform your decision-making. Insurify indicates that Plymouth Rock Assurance offers liability insurance for $95 per month and full coverage for $137 per month, but your quote will likely be different depending on your individual situation.
| Driver type | National average liability-only monthly premium | National average full coverage monthly premium |
| Clean driving record | $105 | $192 |
| Speeding ticket on driving record | $141 | $265 |
| At-fault accident on driving record | $146 | $274 |
| DUI on driving record | $166 | $313 |
| Teen driver | $194 | $364 |
| Senior driver | $85 | $160 |
| Data sourced from Insurify | ||
Is Prudential car insurance good?
Company ratings:
- AM Best: A-
- J.D. Power claims satisfaction: Not rated
- BBB: A+
- NAIC complaints: 0.14 (Below expected)
The AM Best A- rating indicates Plymouth Rock Assurance's financial strength. Financial strength matters because it means the company is more likely to be able to pay out claims. A- minus is considered "Excellent" by AM Best.
Plymouth Rock Assurance also has a very strong BBB rating, indicating that it's responsive to customer complaints. Its NAIC complaint score is 0.14, which means its complaints are significantly lower than expected for a company of its size.
Prudential/Plymouth Rock Assurance doesn't have a J.D. Power claims satisfaction rating, likely because it's a smaller, regional carrier.
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Discounts
Plymouth Rock Assurance offers limited information on discounts. It does specifically call out its discount for New Jersey educators and its discount for bundling coverage. Otherwise, its discounts appear to be on par with those of its competitors.
| Discount | Does Plymouth Rock Assurance have it? | Progressive | GEICO |
| Loyalty | Not disclosed | No | No |
| Multi-policy/bundling | Yes | Yes | Yes |
| Multiple vehicle | Yes | Yes | Yes |
| Airbag | Not disclosed | No | Yes |
| Anti-lock brakes | Not disclosed | No | Yes |
| Anti-theft | Yes | Yes (select states) | Yes |
| Safe driver | Yes | Yes | Yes |
| Good student | Yes | Yes | Yes |
| Away-from-home student | Yes | Yes | Yes |
| New car | Not disclosed | No | Yes |
| Pay in full | Yes | Yes | Yes |
| Automatic payments | Not disclosed | Yes | Yes |
| GAP insurance | Not disclosed | No | No |
| Senior | Not disclosed | No | No |
| Military | Not disclosed | No | Yes |
| Defensive driving course | Not disclosed | Yes (select states) | Yes |
Coverage
If you live in Prudential's coverage area, you can select from a variety of insurance options distributed through Plymouth Rock Assurance.
It offers some unique coverage options like:
- Get Home Safe: If you're unable to drive, Plymouth Rock Assurance offers a one-time, one-way taxi fare reimbursement.
- Crashbusters mobile claim service: Plymouth Rock Assurance has a mobile claim service where a representative travels to handle the claim process.
It also offers standard coverage options:
- Bodily injury liability insurance: This helps pay for medical bills, pain and suffering, and lost wages in case you accidentally hit someone else. It doesn't generally cover you or any passengers in your own car.
- Property damage liability: This insurance helps pay for any damage that you cause in an accident, such as fixing someone's car that you rear-ended, replacing a fence you hit, etc.
- Comprehensive insurance: This coverage covers non-car crash damage to your vehicle. Comprehensive could cover damage from theft, storms, animals, and more.
- Collision insurance: This insurance can help cover damages to your car if you collide with another car or an object.
- Uninsured/underinsured motorist: Uninsured motorist coverage can help cover car accident expenses if the at-fault driver doesn't have any coverage or doesn't have enough to cover your expenses.
- Medical payments: This can help cover your medical expenses resulting from a car accident, regardless of who is at fault.
Full coverage car insurance — a policy that includes liability, collision, and comprehensive coverage — may be worthwhile if you have an expensive car or spend a lot of time driving. Some lenders even require full coverage if you finance a car.
The company throws in some fun policyholder perks as well. The Prudential Pinstripe Perks Package can provide access to Yankees tickets, discounts on purchases from MLBShop.com, invitations to exclusive events, and more. Some benefits are subject to availability, and some restrictions apply.
Average rate:
Prudential vs. competitors
Insurify indicates that Plymouth Rock Assurance offers liability insurance for $95 per month and full coverage for $137 per month. Its liability insurance is a bit lower than the national average, while its full coverage is significantly below average.
| Company name | Average monthly full coverage | Average monthly liability-only coverage |
| USAA | $99 | $46 |
| GEICO | $118 | $55 |
| State Farm | $119 | $55 |
| Allstate | $132 | $62 |
| Progressive | $148 | $101 |
| American Family | $157 | $72 |
| Nationwide | $181 | $85 |
| Travelers | $191 | $90 |
| National average | $199 | $105 |
| Farmers | $236 | $110 |
| Liberty Mutual | $250 | $169 |
| Data sourced from Insurify | ||
Prudential vs. GEICO
Comparing Plymouth Rock Assurance to a national competitor like GEICO is a little like comparing apples to oranges. Regional companies like Plymouth may offer more tailored discounts for your area, while GEICO may have more availability and resources because it's a national company.
In terms of rates, Plymouth Rock Assurance's average rates for both liability and full coverage are higher than GEICO's. That's not a guarantee for your own rates since those are based on personal variables, but I would consider getting quotes from a national carrier like GEICO in addition to Plymouth Rock Assurance.
The one exception would be if you have a strong preference for in-person customer service. In that case, I'd work with an agent and consider Plymouth Rock.
Prudential vs. Progressive
Comparing Plymouth Rock to Progressive has some of the same challenges noted above. In this case, though, Plymouth's premiums are lower than Progressives for both liability and full coverage, but not by much. This is another case where there isn't a clear winner — I'd decide based on personal preference and your individual quote.
FAQs
Is Prudential auto insurance legit?
Prudential is a legitimate company that's been in business for over a century. It has an A.M. Best rating of A+, which indicates the company is financially sound. While Prudential does not rank in J.D. Power studies, Plymouth Rock — the company through which Prudential distributes car insurance — did rank 11th out of 12 for customer satisfaction in the New England area and 12th out of 14 for the Mid-Atlantic region.
How long does it take to get a policy with Prudential auto insurance?
Plymouth Rock Assurance, which distributes auto insurance policies for Prudential, doesn't mention how long it'll take to obtain car insurance on its website. However, it does mention that applying to get a quote could take just a few minutes. If you have specific questions about how long it takes to get a policy, consider reaching out to a local insurance agent.
What types of coverage does Prudential auto insurance offer?
Prudential auto coverage distributed through Plymouth Rock Assurance includes bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist coverage. Car owners also have the option to add on collision and comprehensive coverage.
Extra coverage is available for roadside assistance, rental cars, and more. A Prudential Financial Professional can run through options and help you choose the appropriate coverage.
How do you contact Prudential auto insurance?
You can call to discuss auto insurance with one of the Prudential Financial Professionals listed on the Plymouth Rock Assurance website. To shop for insurance rates, you can request a quote over the phone by calling 844-325-9443 or submit an online quote request on the agent's website.
If you're insured and need to file a claim, you can contact your Prudential Financial Professional or file a claim online. From there, a claim representative will help you through the rest of the insurance claim process. You can also track the progress of your claim in your online account.
Bottom line
Prudential car insurance through Plymouth Rock Assurance is not available to everyone. If you live outside of the four states where Prudential is available (CT, NY, NJ, and PA), you'll have to shop around for other insurers. Fortunately, FinanceBuzz makes it simple to compare quotes from the top car insurance companies online.
Even if you do decide to shop for Prudential Insurance, you could still benefit from comparing rates and terms from other insurance providers to see what's out there. Choosing auto insurance is important — carrying more coverage than you need can be a waste of money, and having too little coverage can be hard on your wallet if you get into an accident. With multiple auto insurance quotes on the table, you're in a better position to determine which coverage is right for you.
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