Plymouth Rock vs Progressive: which is better for car insurance in 2026?
Across our six scoring categories, Plymouth Rock comes out ahead in 1, Progressive in 3, with 2 too close to call. On our weighted overall score the two finish within 0.1 of a point — a genuine draw. The right answer here depends less on which company is "better" and more on which one prices your specific profile lower, and that is not knowable without running both quotes. Plymouth Rock is the stronger pick for northeast drivers who want a strong app and low complaint volume; Progressive for price shoppers willing to trade some claims experience for a lower premium.
Plymouth Rock vs Progressive, 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
Progressive aheadProgressive averages $2,062/yr for full coverage against Plymouth Rock's $2,156/yr — about $94 a year, or 7.8 dollars a month, in Progressive's favor for this profile.
$2,156 a year for full coverage, 8% below the national average — mid-pack, and not the reason to pick it.
$2,062 a year for full coverage, about 13% under the national average and effectively tied with State Farm. Progressive's real pricing story is the discount stack rather than the base rate.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Plymouth Rock posts Not rated and Progressive 673/1,000, a difference too small to choose on.
Not in the J.D. Power claims study, which covers only the largest insurers.
673 out of 1,000 is the weakest claims score in this review — 27 points below the segment average and 70 behind Erie. This is Progressive's clearest weakness.
Complaint record
Plymouth Rock aheadPlymouth Rock takes complaint record on Far fewer than expected against Progressive's Fewer than expected.
Far fewer complaints than expected for its size — the strongest complaint band we assign, shared with only a handful of carriers here.
Fewer complaints than expected for its size, which sits oddly alongside the claims score and suggests the friction shows up in satisfaction rather than in formal complaints.
Financial strength
Progressive aheadProgressive takes financial strength on A+ against Plymouth Rock's A-.
AM Best A- (Excellent), with the outlook revised to positive in March 2026 — the only carrier in this review currently trending upward.
AM Best A+ (Superior). No concerns about its ability to pay.
Discounts
Progressive aheadProgressive takes discounts on 16 published against Plymouth Rock's 10 published.
Around ten published discounts, plus two distinct programs: YUBI for telematics and a separate Road Rewards points scheme.
Sixteen published discounts, more than almost anyone — and unusually, Progressive publishes the average value of most of them rather than hiding behind 'varies'.
Digital experience
Too close to callNeither pulls ahead on digital experience: Plymouth Rock posts 4.86 iOS / 4.7 Android and Progressive 4.83 iOS / 4.6 Android, a difference too small to choose on.
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.
4.83 on the App Store and 4.6 on Google Play. Progressive was built direct-to-consumer and the digital experience shows it.
So which one?
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.
Pick Progressive if…
- You are among price shoppers willing to trade some claims experience for a lower premium.
- Price is your first filter — Progressive averages $2,062/yr for full coverage on our benchmark profile.
- Financial strength is a priority; Progressive holds A+ from AM Best.
- You expect to stack discounts — Progressive's lineup is the broader of the two.
Plymouth Rock vs Progressive, answered
The questions people ask before switching between these two.
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