Farmers vs Plymouth Rock: which is better for car insurance in 2026?
Across our six scoring categories, Farmers comes out ahead in 1, Plymouth Rock in 4, with 1 too close to call. Plymouth Rock edges the weighted overall score by 1.1 of a point, on the strength of price, complaint record, discounts, digital experience. That is not a reason to skip Farmers: 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; Farmers is worth a quote if you are among drivers who want an agent and have specific coverage needs farmers can meet.
Farmers vs Plymouth Rock, side by side
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.
Category by category
Price
Plymouth Rock aheadPlymouth Rock averages $2,156/yr for full coverage against Farmers's $4,048/yr — about $1892 a year, or 157.7 dollars a month, in Plymouth Rock's favor for this profile.
$4,048 a year for full coverage, 72% above the national average and the most expensive carrier in this review by a wide margin.
$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 callNeither pulls ahead on claims satisfaction: Farmers posts 690/1,000 and Plymouth Rock Not rated, a difference too small to choose on.
690 out of 1,000, ten points below the segment average.
Not in the J.D. Power claims study, which covers only the largest insurers.
Complaint record
Plymouth Rock aheadPlymouth Rock takes complaint record on Far fewer than expected against Farmers's About the expected number.
Close to the number of complaints expected for its size.
Far fewer complaints than expected for its size — the strongest complaint band we assign, shared with only a handful of carriers here.
Financial strength
Farmers aheadFarmers takes financial strength on A against Plymouth Rock's A-.
AM Best A (Excellent).
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 aheadPlymouth Rock takes discounts on 10 published against Farmers's 10 published*.
Roughly ten discounts, though Farmers blocks automated access to its own discounts page, so we could not verify the list or its telematics program name directly.
Around ten published discounts, plus two distinct programs: YUBI for telematics and a separate Road Rewards points scheme.
Digital experience
Plymouth Rock aheadPlymouth Rock takes digital experience on 4.86 iOS / 4.7 Android against Farmers's 4.84 iOS / 4.7 Android.
4.84 on the App Store and 4.7 on Google Play — the best-rated app pairing in this review, across a relatively small rating base.
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 Farmers if…
- You are among drivers who want an agent and have specific coverage needs farmers can meet.
- Financial strength is a priority; Farmers holds A from AM Best.
- Availability fits: 40 states, through agents — the Farmers brand left Florida in 2023 and does not write in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont or West Virginia.
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.
Farmers vs Plymouth Rock, answered
The questions people ask before switching between these two.
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