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Allstate vs Plymouth Rock: which is better for car insurance in 2026?

Q: Is Allstate or Plymouth Rock cheaper?

On average, Plymouth Rock. Our benchmark profile pays $2,156/yr with Plymouth Rock versus $3,176/yr with Allstate — roughly $1020 a year. But that is one profile: a 35-year-old with a clean record and good credit. Change the driver and the order can flip, which is why the only rate that matters is the one you are quoted.

Q: Which handles claims better, Allstate or Plymouth Rock?

Neither has a clear edge. Allstate scores 693/1,000 and Plymouth Rock Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Allstate better than Plymouth Rock overall?

Plymouth Rock scores higher overall in our review — 4.2 against 3.4 out of 5. "Better" still depends on you, though: Allstate may quote you less, and our score weights six factors that we chose, not the ones you might weight most.

Q: Can I switch from Allstate to Plymouth Rock mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Allstate

Plymouth Rock

Across our six scoring categories, Allstate comes out ahead in 1, Plymouth Rock in 4, with 1 too close to call. Plymouth Rock edges the weighted overall score by 0.8 of a point, on the strength of price, complaint record, discounts, digital experience. That is not a reason to skip Allstate: it scores higher on financial strength, and a quote that comes in lower beats a review that scores higher. Plymouth Rock is the safer default; Allstate is worth a quote if you are among drivers who want an agent and will bundle enough to offset the premium.

Allstate vs Plymouth Rock, side by side

Category

AllstateRead the full review

Plymouth RockRead the full review

Overall scoreWeighted across the six categories below

Better

PriceAverage annual full-coverage premium · 25% of score

2.0$3,176/yr

Average full coverage vs. $2,356 national average

3.5$2,156/yr

Average full coverage vs. $2,356 national average

Better

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

3.5693/1,000

J.D. Power 2025 claims study, segment average 700

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

3.5About the expected number

Complaints relative to company size, NAIC data 2022–2024

5.0Far fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Better

Financial strengthAM Best Financial Strength Rating · 10% of score

4.5A+

AM Best Financial Strength Rating

Better

3.5A-

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

3.55 published

Discounts on the carrier's own pages · Telematics: Drivewise

4.010 published

Discounts on the carrier's own pages · Telematics: YUBI

Better

Digital experienceApp ratings and self-service depth · 15% of score

4.54.79 iOS / 4.1 Android

App Store (1.26M ratings) and Google Play (125K ratings), August 2026

5.04.86 iOS / 4.7 Android

App Store (8.0K ratings) and Google Play (1.7K ratings), August 2026

Better

Availability

All 50 states and D.C., through local agents

6 states in the Northeast

Best suited to

drivers who want an agent and will bundle enough to offset the premium

Northeast drivers who want a strong app and low complaint volume

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Allstate vs Plymouth Rock across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

AllstatePlymouth Rock

Category by category

Price

Plymouth Rock ahead

Plymouth Rock averages $2,156/yr for full coverage against Allstate's $3,176/yr — about $1020 a year, or 85 dollars a month, in Plymouth Rock's favor for this profile.

Allstate

$3,176 a year for full coverage — 35% above the national average and the third most expensive carrier in this review. This is the number that defines Allstate.

Plymouth Rock

$2,156 a year for full coverage, 8% below the national average — mid-pack, and not the reason to pick it.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Allstate posts 693/1,000 and Plymouth Rock Not rated, a difference too small to choose on.

Allstate

693 out of 1,000, seven points below the segment average. Middling, and not enough to justify the premium on its own.

Plymouth Rock

Not in the J.D. Power claims study, which covers only the largest insurers.

Complaint record

Plymouth Rock ahead

Plymouth Rock takes complaint record on Far fewer than expected against Allstate's About the expected number.

Allstate

Close to the number of complaints expected for its size.

Plymouth Rock

Far fewer complaints than expected for its size — the strongest complaint band we assign, shared with only a handful of carriers here.

Financial strength

Allstate ahead

Allstate takes financial strength on A+ against Plymouth Rock's A-.

Allstate

AM Best A+ (Superior).

Plymouth Rock

AM Best A- (Excellent), with the outlook revised to positive in March 2026 — the only carrier in this review currently trending upward.

Discounts

Plymouth Rock ahead

Plymouth Rock takes discounts on 10 published against Allstate's 5 published.

Allstate

Allstate's current discounts page publishes only five named discounts, the thinnest list of any national carrier here — several features it was historically known for no longer appear on live pages.

Plymouth Rock

Around ten published discounts, plus two distinct programs: YUBI for telematics and a separate Road Rewards points scheme.

Digital experience

Plymouth Rock ahead

Plymouth Rock takes digital experience on 4.86 iOS / 4.7 Android against Allstate's 4.79 iOS / 4.1 Android.

Allstate

4.79 on the App Store but only 4.1 on Google Play, the widest platform gap among the large insurers.

Plymouth Rock

4.86 on the App Store and 4.7 on Google Play — the highest combined app ratings of any carrier in this review, by a clear margin.

So which one?

Pick Allstate if…

You are among drivers who want an agent and will bundle enough to offset the premium.
Financial strength is a priority; Allstate holds A+ from AM Best.
Availability fits: All 50 states and D.C., through local agents.

Read the full Allstate review →

Pick Plymouth Rock if…

You are among northeast drivers who want a strong app and low complaint volume.
Price is your first filter — Plymouth Rock averages $2,156/yr for full coverage on our benchmark profile.
You want the lower complaint record — Plymouth Rock sits at Far fewer than expected.
You expect to stack discounts — Plymouth Rock's lineup is the broader of the two.

Read the full Plymouth Rock review →

Allstate vs Plymouth Rock, answered

The questions people ask before switching between these two.

Is Allstate or Plymouth Rock cheaper?

Which handles claims better, Allstate or Plymouth Rock?

Is Allstate better than Plymouth Rock overall?

Can I switch from Allstate to Plymouth Rock mid-policy?

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