Kemper vs Plymouth Rock: which is better for car insurance in 2026?
Across our six scoring categories, Kemper comes out ahead in 0, Plymouth Rock in 4, with 2 too close to call. Plymouth Rock edges the weighted overall score by 1.4 of a point, on the strength of price, complaint record, discounts, digital experience. That is not a reason to skip Kemper: 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; Kemper is worth a quote if you are among drivers turned down elsewhere because of their record or credit.
Kemper 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 Kemper's $2,422/yr — about $266 a year, or 22.2 dollars a month, in Plymouth Rock's favor for this profile.
$2,422 a year for full coverage on our standard benchmark, 3% above the national average — but Kemper's actual customers are drivers who would pay far more, or be refused outright, almost anywhere else.
$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: Kemper posts Not rated and Plymouth Rock Not rated, a difference too small to choose on.
Not in the J.D. Power claims study, which samples only the largest insurers.
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 Kemper's Far more than expected.
Far more complaints than expected for its size. Non-standard carriers tend to run high on this measure, which is context rather than an excuse.
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 callNeither pulls ahead on financial strength: Kemper posts A- and Plymouth Rock A-, a difference too small to choose on.
AM Best A- (Excellent). Parent Kemper Corporation is publicly traded.
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 Kemper's 6 published.
A shorter list than standard-market carriers, plus Kemper Co-Pilot telematics with a 10% signup discount.
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 Kemper's 2.44 iOS / 3.6 Android.
2.44 on the App Store and 3.6 on Google Play. The current app relaunched in mid-2026, so those scores reflect a new listing rather than a settled one.
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 Kemper if…
- You are among drivers turned down elsewhere because of their record or credit.
- Availability fits: 38 states, specialising in non-standard auto.
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.
Kemper vs Plymouth Rock, answered
The questions people ask before switching between these two.
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