Liberty Mutual vs Plymouth Rock: which is better for car insurance in 2026?
Across our six scoring categories, Liberty Mutual comes out ahead in 2, Plymouth Rock in 1, with 3 too close to call. There is no overall score to compare, though: Liberty Mutual does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Plymouth Rock is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Liberty Mutual 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
Too close to callLiberty Mutual does not release public rate data, so there is no like-for-like premium to set against Plymouth Rock's $2,156/yr. That is a real gap in the comparison, not a rounding error — treat Liberty Mutual's price as unknown until you have a quote in hand.
Not published. Liberty Mutual releases no public rate data, so no independent study — including ours — can put a national average against it. Any figure you see quoted for Liberty Mutual is an estimate.
$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: Liberty Mutual posts 730/1,000 and Plymouth Rock Not rated, a difference too small to choose on.
730 out of 1,000, third-highest in the J.D. Power 2025 study and thirty points above 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 Liberty Mutual's More than expected.
More complaints than expected for its size, based on 2021–2023 data — a different window from most carriers here, so not perfectly comparable.
Far fewer complaints than expected for its size — the strongest complaint band we assign, shared with only a handful of carriers here.
Financial strength
Liberty Mutual aheadLiberty Mutual 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
Liberty Mutual aheadLiberty Mutual takes discounts on 12 published against Plymouth Rock's 10 published.
Twelve published discounts, plus a customization tool Liberty Mutual says saves 12% or more — though that is excluded in nine states.
Around ten published discounts, plus two distinct programs: YUBI for telematics and a separate Road Rewards points scheme.
Digital experience
Too close to callNeither pulls ahead on digital experience: Liberty Mutual posts 4.79 iOS / 4.6 Android and Plymouth Rock 4.86 iOS / 4.7 Android, a difference too small to choose on.
4.79 on the App Store and 4.6 on Google Play across 669,000 combined ratings. Solid on both platforms.
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 Liberty Mutual if…
- You are among drivers who value claims handling and will quote it directly.
- Financial strength is a priority; Liberty Mutual holds A from AM Best.
- You expect to stack discounts — Liberty Mutual's lineup is the broader of the two.
- Availability fits: 45 states and D.C. — not available in Alaska, California, North Dakota, South Dakota or Wyoming.
Pick Plymouth Rock if…
- You are among northeast drivers who want a strong app and low complaint volume.
- You want the lower complaint record — Plymouth Rock sits at Far fewer than expected.
- Availability fits: 6 states in the Northeast.
Liberty Mutual vs Plymouth Rock, answered
The questions people ask before switching between these two.
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