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

Q: Is The Hanover or Plymouth Rock cheaper?

On average, Plymouth Rock. Our benchmark profile pays $2,156/yr with Plymouth Rock versus $4,038/yr with The Hanover — roughly $1882 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, The Hanover or Plymouth Rock?

Neither has a clear edge. The Hanover scores Not rated 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 The Hanover better than Plymouth Rock overall?

Plymouth Rock scores higher overall in our review — 4.2 against 2.8 out of 5. "Better" still depends on you, though: The Hanover 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 The Hanover 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.

The Hanover

Plymouth Rock

Across our six scoring categories, The Hanover comes out ahead in 0, Plymouth Rock in 3, with 3 too close to call. Plymouth Rock edges the weighted overall score by 1.4 of a point, on the strength of price, complaint record, digital experience. That is not a reason to skip The Hanover: it scores higher on none of our categories, though it may still quote you less, and a quote that comes in lower beats a review that scores higher. Plymouth Rock is the safer default; The Hanover is worth a quote if you are among drivers whose independent agent recommends it for a specific reason.

The Hanover vs Plymouth Rock, side by side

Category

The HanoverRead the full review

Plymouth RockRead the full review

Overall scoreWeighted across the six categories below

Better

PriceAverage annual full-coverage premium · 25% of score

1.5$4,038/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

Not rated

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

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

Not published

No AM Best rating we could verify — see the review

3.5A-

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

4.012 published

Discounts on the carrier's own pages · No branded telematics program found

4.010 published

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

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

2.01.99 iOS / 3.0 Android

App Store (154 ratings) and Google Play (173 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

19 states, through independent agents only

6 states in the Northeast

Best suited to

drivers whose independent agent recommends it for a specific reason

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.

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

The HanoverPlymouth Rock

Category by category

Price

Plymouth Rock ahead

Plymouth Rock averages $2,156/yr for full coverage against The Hanover's $4,038/yr — about $1882 a year, or 156.8 dollars a month, in Plymouth Rock's favor for this profile.

The Hanover

$4,038 a year for full coverage — 71% above the national average, and the highest figure of any carrier we review.

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: The Hanover posts Not rated and Plymouth Rock Not rated, a difference too small to choose on.

The Hanover

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

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 The Hanover's Fewer than expected.

The Hanover

Fewer complaints than expected for its size, which is genuinely to its credit.

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

Too close to call

Neither pulls ahead on financial strength: The Hanover posts Not published and Plymouth Rock A-, a difference too small to choose on.

The Hanover

We could not verify an AM Best rating from any page we could read. AM Best blocks automated access and Hanover's rating is not published by the secondary sources we checked.

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

Too close to call

Neither pulls ahead on discounts: The Hanover posts 12 published and Plymouth Rock 10 published, a difference too small to choose on.

The Hanover

Twelve published discounts, several aimed specifically at households with teenage drivers — including one for keeping a teen off a particular vehicle.

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 The Hanover's 1.99 iOS / 3.0 Android.

The Hanover

1.99 on the App Store and 2.98 on Google Play. That iOS score is the lowest of any carrier in this review by a wide margin.

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 The Hanover if…

You are among drivers whose independent agent recommends it for a specific reason.
Availability fits: 19 states, through independent agents only.

Read the full The Hanover 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 →

The Hanover vs Plymouth Rock, answered

The questions people ask before switching between these two.

Is The Hanover or Plymouth Rock cheaper?

Which handles claims better, The Hanover or Plymouth Rock?

Is The Hanover better than Plymouth Rock overall?

Can I switch from The Hanover to Plymouth Rock mid-policy?

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