Plymouth Rock vs State Farm: which is better for car insurance in 2026?
Across our six scoring categories, Plymouth Rock comes out ahead in 1, State Farm 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; State Farm for drivers who want a local agent rather than an app.
Plymouth Rock vs State Farm, 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
State Farm aheadState Farm averages $2,065/yr for full coverage against Plymouth Rock's $2,156/yr — about $91 a year, or 7.6 dollars a month, in State Farm'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.
At $2,065 a year for full coverage, State Farm sits about 12% under the national average — competitive, but not the cheapest of the national carriers.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Plymouth Rock posts Not rated and State Farm 716/1,000, a difference too small to choose on.
Not in the J.D. Power claims study, which covers only the largest insurers.
716 out of 1,000 in the J.D. Power 2025 claims study puts State Farm comfortably above the 700-point segment average, and ahead of every other insurer in the top four by market share.
Complaint record
Plymouth Rock aheadPlymouth Rock takes complaint record on Far fewer than expected against State Farm's About the expected number.
Far fewer complaints than expected for its size — the strongest complaint band we assign, shared with only a handful of carriers here.
State Farm draws about the number of complaints its size predicts. For the largest personal auto insurer in the country, average is a more meaningful result than it sounds.
Financial strength
State Farm aheadState Farm 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's top rating, A++. State Farm is a mutual company owned by its policyholders, with no shareholders to pay.
Discounts
State Farm aheadState Farm takes discounts on 11 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.
Eleven published discounts, including a 25% good-student discount and up to 40% off medical coverage for passive restraints. Drive Safe & Save pairs the app with a mailed Bluetooth beacon.
Digital experience
Too close to callNeither pulls ahead on digital experience: Plymouth Rock posts 4.86 iOS / 4.7 Android and State Farm 4.79 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.
4.79 on the App Store and 4.6 on Google Play across 1.7 million combined ratings — consistently strong on both platforms, which is rarer than it should be.
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 State Farm if…
- You are among drivers who want a local agent rather than an app.
- Price is your first filter — State Farm averages $2,065/yr for full coverage on our benchmark profile.
- Financial strength is a priority; State Farm holds A++ from AM Best.
- You expect to stack discounts — State Farm's lineup is the broader of the two.
Plymouth Rock vs State Farm, answered
The questions people ask before switching between these two.
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