NJM vs Plymouth Rock: which is better for car insurance in 2026?
Across our six scoring categories, NJM comes out ahead in 1, Plymouth Rock in 0, with 5 too close to call. There is no overall score to compare, though: NJM 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.
NJM 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 callNJM 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 NJM's price as unknown until you have a quote in hand.
NJM's published average is a New Jersey figure, not a national one. New Jersey is a high-cost state, so setting it against a national benchmark would flatter NJM for reasons that have nothing to do with NJM. We have left it out rather than compare unlike things.
$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: NJM posts 731/1,000 and Plymouth Rock Not rated, a difference too small to choose on.
731 out of 1,000 in the J.D. Power 2025 claims study — second only to Erie among ranked insurers, and 31 points above the segment average.
Not in the J.D. Power claims study, which covers only the largest insurers.
Complaint record
Too close to callNeither pulls ahead on complaint record: NJM posts Far fewer than expected and Plymouth Rock Far fewer than expected, a difference too small to choose on.
Far fewer complaints than expected for its size — the strongest band we assign.
Far fewer complaints than expected for its size — the strongest complaint band we assign, shared with only a handful of carriers here.
Financial strength
NJM aheadNJM takes financial strength on A+ against Plymouth Rock's A-.
AM Best A+ (Superior). Note that AM Best revised the outlook on its separate issuer credit rating to negative in 2025, citing consecutive underwriting losses.
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 callNeither pulls ahead on discounts: NJM posts 8 published and Plymouth Rock 10 published, a difference too small to choose on.
Around eight published discounts, plus the NJM SafeDrive telematics program.
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: NJM posts Not published and Plymouth Rock 4.86 iOS / 4.7 Android, a difference too small to choose on.
NJM publishes no general policyholder app on either store — only the SafeDrive telematics app. Policy servicing is web-only, so there is no app experience to rate.
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 NJM if…
- You are among mid-atlantic drivers who weight claims handling above everything.
- Financial strength is a priority; NJM holds A+ from AM Best.
- Availability fits: 5 states in the Mid-Atlantic, sold direct with no agents.
Pick Plymouth Rock if…
- You are among northeast drivers who want a strong app and low complaint volume.
- Availability fits: 6 states in the Northeast.
NJM vs Plymouth Rock, answered
The questions people ask before switching between these two.
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Averages are a starting point. Your rate is the only number that decides it.