120+ more*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
The average cost of car insurance in Quincy, Massachusetts, is $102 per month for state-minimum coverage and $137 for full coverage. Drivers pay less for car insurance in Quincy than in nearby Brockton, but rates are a bit higher in Quincy than in Boston, Massachusetts’s largest city.
Quincy car insurance costs more than the Massachusetts average, likely because of its higher population density. The city has about 6,130 people per square mile, which is much higher than the Massachusetts average of 900.[1]
Liability quotes start at $50/mo.
Massachusetts car insurance requirements include $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $30,000 in property damage liability coverage. You must also have uninsured motorist coverage and $8,000 in personal injury protection (PIP).[2]
Liability coverage averages $102 per month in Quincy, in line with the Massachusetts average of $102. It’s cheaper than full coverage, though it doesn’t offer as much financial protection.
Below are quotes for cheap liability car insurance in Quincy.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $84 |
| GEICO | $85 |
| Safeco | $102 |
| Progressive | $115 |
| Liberty Mutual | $124 |
| Bristol West | $164 |
| Travelers | $193 |
| Embark | $209 |
| Amica | $263 |
Quincy ranked among the top Massachusetts cities for fatal crashes involving distracted drivers between 2019 and 2023, according to the commonwealth’s highway safety data.[3] If you’re in an accident, collision coverage can help pay for repairs to your vehicle — so you may want to add full coverage to your policy.
Full coverage averages $137 per month, which is similar to the Massachusetts average of $138.
The table below compares cheap full-coverage car insurance in Quincy.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $120 |
| GEICO | $121 |
| Safeco | $162 |
| Liberty Mutual | $181 |
| Progressive | $200 |
| Bristol West | $268 |
| Travelers | $276 |
| Amica | $375 |
Brockton and Springfield are the most expensive cities in Massachusetts for car insurance. Brockton had one of the highest crash volumes in Massachusetts, and Springfield ranked 65th nationally for vehicle theft in 2025.[4]
Despite their higher population densities, Boston and Cambridge have some of the lowest average car insurance rates in the commonwealth, likely because fewer people drive. Only 38% of Boston workers drive to work, while Cambridge residents are one-third as likely to commute as the average American.[5] [6]
Auto insurance in Quincy costs slightly more than the Massachusetts average. Massachusetts State Police designated Quincy as a pedestrian safety priority, which likely affects liability coverage costs.
Below, you can see how average rates vary in different Massachusetts cities.
City | Average Monthly Quote |
|---|---|
| Cambridge | $99 |
| Boston | $108 |
| Somerville | $109 |
| Lowell | $124 |
| New Bedford | $138 |
| Worcester | $149 |
| Fall River | $151 |
| Springfield | $156 |
| Brockton | $202 |
Car insurance is slightly more expensive in Quincy compared to the Massachusetts average. Quincy’s coastal location makes it more susceptible to flooding, which insurers will account for when setting insurance premiums.[7] Quincy also has a higher population density and longer commute times than the Massachusetts average, which can drive up the cost of coverage.
*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Quincy, Massachusetts within the last 10 days. Last updated on November 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Massachusetts, insurers can increase your premium for up to five years after an accident or ticket.[8]
These insurers offer the cheapest car insurance in Quincy for people with different violations on their driving records:
Cheapest car insurance for Quincy drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Quincy: State Farm
Cheapest car insurance for Quincy drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with an OUI in Quincy: State Farm
Almost 3% of Quincy drivers have a speeding ticket, and more than 7% have an at-fault accident, according to Insurify data. Massachusetts is a no-fault state, so your required PIP can cover up to $8,000 of your medical bills after an accident.
Meanwhile, less than 1% of Quincy drivers have an operating under the influence (OUI) conviction. A first offense can result in a fine of between $500 and $5,000 and jail time.[9] Though Massachusetts doesn’t require SR-22 insurance, insurers can raise your rate if they consider you a high-risk driver.
The table below shows average car insurance rates in Quincy by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $120 |
| Speeding ticket | $163 |
| At-fault accident | $148 |
| OUI | $197 |
Quincy drivers should keep a few risks in mind:
Winter weather: During declared snow emergencies, Quincy tows cars parked on emergency arteries like Hancock Street, Southern Artery, and Quincy Avenue at the owner’s expense. For the 2026–27 winter, you can park only on the even-numbered side of non-artery streets during an emergency.
Flooding: Flooding is another risk. Climate change will affect weather patterns and the extent of flooding in Quincy, according to the city’s hazard mitigation plan. The plan’s latest update came during a year of record-setting floods. Comprehensive coverage pays for flood damage to your car, so it’s worth adding, especially if you live near the coast.
Uninsured drivers: Massachusetts has fewer uninsured drivers than the national average. Only 8% of drivers had no insurance in 2023, one of the lowest rates in the country. Massachusetts still requires uninsured motorist coverage, with drivers needing at least $25,000 per person and $50,000 per accident to cover injuries if an uninsured driver hits you.
Quincy’s average commute is almost 35 minutes, which is longer than the Massachusetts average of 29 minutes. Massachusetts opens a carpool lane on the Southeast Expressway (Interstate 93) from Quincy to Boston during rush hour, but may adjust the schedule for holidays or bad weather. Southern Artery also sees about 30,000 vehicles daily.
More time in heavy traffic can increase your accident risk, which insurers factor into rates. Massachusetts doesn’t currently allow speed cameras, but state lawmakers are considering proposals that could change that.[10]
Massachusetts technically bans insurers from using age to set rates. That said, teenagers and other drivers with fewer than six years of experience can pay more.
State Farm offers the cheapest rates for young drivers in Quincy. Below, you can compare the most affordable car insurance in Quincy for teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $149 |
| GEICO | $150 |
| Progressive | $200 |
| Safeco | $204 |
| Liberty Mutual | $211 |
| Bristol West | $282 |
| Embark | $364 |
| Travelers | $389 |
| Amica | $470 |
Insurify partners with 120+ auto insurers for real quotes
Nearly 18% of Quincy residents are 65 or older, according to U.S. census data. Massachusetts requires insurers to offer these drivers a car insurance discount.
Senior drivers pay $100 per month on average for liability coverage and may find the lowest rates from State Farm.
The table below shows quotes for cheap Quincy car insurance for senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| GEICO | $66 |
| USAA | $67 |
| Safeco | $87 |
| Progressive | $96 |
| Liberty Mutual | $101 |
| Bristol West | $134 |
| Travelers | $151 |
| Embark | $174 |
| Amica | $203 |
Whether you just moved to Quincy, Massachusetts, or you’re comparing insurance quotes across the South Shore, the answers below can help you choose the best coverage.
The average cost of car insurance in Quincy is $102 per month for state-minimum coverage and $137 for full coverage. Your rate will depend on your driving record, coverage level, and deductible.
State Farm offers the cheapest average rates in Massachusetts, at $50 per month for liability coverage. You should request a quote from several insurers or independent agents, since the cheapest insurer for you depends on your unique circumstances.
The best car insurance in Quincy depends on your needs. Beyond price, compare each company’s claims service, how easy it is to file auto claims or make a payment, and discounts for bundling home insurance or renters insurance.
Quincy’s population density, commute times, and coastal flood risk can all affect car insurance rates in the city. Insurers also consider your driving experience, past accidents and violations, and the type of vehicle you drive.
It depends on your location, driving history, vehicle, coverage level, and deductible. That said, Insurify data shows that full coverage averages $138 per month, while liability-only coverage averages $102 in Massachusetts.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
