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

Q: Is Amica or Plymouth Rock cheaper?

On average, Plymouth Rock. Our benchmark profile pays $2,156/yr with Plymouth Rock versus $3,167/yr with Amica — roughly $1011 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, Amica or Plymouth Rock?

Neither has a clear edge. Amica scores 718/1,000 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 Amica better than Plymouth Rock overall?

Plymouth Rock scores higher overall in our review — 4.2 against 3.7 out of 5. "Better" still depends on you, though: Amica 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 Amica 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.

Amica

Plymouth Rock

Across our six scoring categories, Amica comes out ahead in 2, Plymouth Rock in 3, with 1 too close to call. Plymouth Rock edges the weighted overall score by 0.5 of a point, on the strength of price, complaint record, digital experience. That is not a reason to skip Amica: it scores higher on financial strength, discounts, and a quote that comes in lower beats a review that scores higher. Plymouth Rock is the safer default; Amica is worth a quote if you are among drivers who will pay more for service and expect to file claims.

Amica vs Plymouth Rock, side by side

Category

AmicaRead 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$3,167/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

4.0718/1,000

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

4.5Fewer than expected

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

5.017 published

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

Better

4.010 published

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

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

3.54.82 iOS / 3.2 Android

App Store (7.9K ratings) and Google Play (762 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

49 states and D.C. — not available in Hawaii

6 states in the Northeast

Best suited to

drivers who will pay more for service and expect to file claims

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.

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

AmicaPlymouth Rock

Category by category

Price

Plymouth Rock ahead

Plymouth Rock averages $2,156/yr for full coverage against Amica's $3,167/yr — about $1011 a year, or 84.3 dollars a month, in Plymouth Rock's favor for this profile.

Amica

$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.

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: Amica posts 718/1,000 and Plymouth Rock Not rated, a difference too small to choose on.

Amica

718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.

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 Amica's Fewer than expected.

Amica

Fewer complaints than 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

Amica ahead

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

Amica

AM Best A+ (Superior), affirmed March 2026.

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

Amica ahead

Amica takes discounts on 17 published against Plymouth Rock's 10 published.

Amica

Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.

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 Amica's 4.82 iOS / 3.2 Android.

Amica

4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.

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 Amica if…

You are among drivers who will pay more for service and expect to file claims.
Financial strength is a priority; Amica holds A+ from AM Best.
You expect to stack discounts — Amica's lineup is the broader of the two.
Availability fits: 49 states and D.C. — not available in Hawaii.

Read the full Amica 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 would rather handle everything in an app than on a phone call.

Read the full Plymouth Rock review →

Amica vs Plymouth Rock, answered

The questions people ask before switching between these two.

Is Amica or Plymouth Rock cheaper?

Which handles claims better, Amica or Plymouth Rock?

Is Amica better than Plymouth Rock overall?

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

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