- New Jersey auto & home specialist — part of the Plymouth Rock Assurance group
- Cut NJ auto rates ~5% (approved, ~97,700 policyholders) for 2026
- Raised NJ home rates ~7.5% (approved, ~74,300 policyholders) for 2026
- Agent and direct distribution with deep New Jersey local presence
- Its auto cut runs against the NJ grain — most mid-size NJ auto writers raised in 2026
Palisades is a New Jersey regional in the Plymouth Rock Assurance group — one of the more recognizable local names in a market dominated by NJM and the nationals. It writes both auto and home in New Jersey and competes on local knowledge and service rather than national scale.
What the filings show
The 2026 filings tell a split story. On auto, New Jersey approved a Palisades rate cut of about 5% across ~97,700 policyholders — notable because most mid-size NJ auto writers raised in 2026 (Selective, Farmers, CURE, Encompass all up ~6–7%). On home, Palisades went the other way with an approved increase of about 7.5% on ~74,300 policyholders, in line with New Jersey's broadly rising homeowners market.
Who Palisades is right for
Palisades suits New Jersey drivers and homeowners who want a local carrier with Plymouth Rock's backing. Its 2026 auto cut makes it worth a quote for NJ drivers specifically — a carrier cutting while its peers raise is exactly the kind of move that pays to catch at renewal. Bundlers should note the divergence: the auto side is getting cheaper while the home side is getting more expensive, so price each separately rather than assuming the bundle is best.
Bottom line: For New Jersey specifically, Palisades is worth including in any 2026 comparison — it cut auto against a rising market. Compare its auto and home separately, since they moved in opposite directions this year.
Palisades’s recent rate filings
The actual rate changes Palisades filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, Palisades filed 1 auto rate change across 1 state, averaging −5.0% and 2 home rate changes across 1 state, averaging −0.2%. Each row links to the filing in our rate-filings ledger.
| Product | State | Change | Effective | SERFF filing |
|---|---|---|---|---|
| Auto | NJ | −5.0% | Apr 2026 | #HPIC-134859181 ↗ |
| Home | NJ | +7.5% | Sep 2026 | #HPIC-134781377 ↗ |
| Home | NJ | −8.0% | May 2026 | #PRAC-134884448 ↗ |
Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.