Auto Insurance Comparison
Plymouth Rock vs State Auto
Side-by-side comparison of Plymouth Rock vs State Auto auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Plymouth Rock edges ahead State Auto in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Plymouth Rock | State Auto | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | Plymouth Rock is a Northeast regional that earns most of its market share in Massachusetts | State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Auto brand through independent agents |
| Read full review | Plymouth Rock review → | State Auto review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Plymouth Rock | State Auto |
|---|---|---|
| Customer experience | 3.90 | 3.80 |
| Coverage breadth | 4.00 | 3.90 |
| Affordability | 3.60 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Plymouth Rock
Full review →Pros
- Praised for financial stability
- customer complaints are in short supply
- Greater flexibility in policy coverage choices for both auto and homes insurance
- Offers a variety of discounts
- Home insurance premiums are very affordable
Cons
- Limited geographic availability
- Drivers in their 20s, 40s, 50s, and 60s have to pay more for vehicle insurance.
- Typically more expensive for drivers with speeding tickets and at-fault accidents
State Auto
Full review →Pros
- Now backed by Liberty Mutual financial strength
- Independent agent distribution with shop-around flexibility
- Multi-line bundling discounts
- Solid customer satisfaction in operating states
Cons
- Geographic concentration in Midwest and Southeast
- Recent acquisition means brand and service evolution still underway
- Mid-market pricing, not a budget option
Coverage at a glance
What each carrier offers in standard policies.
Plymouth Rock
State Auto
The bottom line
Plymouth Rock
Plymouth Rock is a fine choice in Massachusetts and worth a quote in its other Northeast states, particularly if you value local claims service. If lowest price is the priority, look elsewhere.
Read the full Plymouth Rock reviewState Auto
State Auto is a fine regional choice in the Midwest and Southeast through an independent agent. The Liberty Mutual acquisition adds financial strength but the long-term brand identity is still settling.
Read the full State Auto reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.