Cheapest Auto Insurance in Quincy, Massachusetts (2024)

Midvale Home & Auto has the cheapest car insurance in Quincy, with a liability insurance rate of $38 per month.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated February 14, 2024 at 7:33 AM PST

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Quincy, a Boston suburb, has around 100,000 residents and its fair share of traffic.[1] Drivers in Quincy pay an average of $78 per month for car insurance, which is significantly lower than the national average of $155 per month. Despite the busy Greater Boston roads, Quincy residents pay affordable car insurance rates overall.

Comparing quotes from multiple insurers is the best way to find cheap car insurance in Quincy. Here’s what you need to know about car insurance in Quincy, including finding ways to save on coverage.

Quick Facts
  • Quincy drivers pay $63 per month for liability insurance and $92 for full-coverage insurance, on average.

  • Because Massachusetts is a no-fault state, drivers in Quincy must carry personal injury protection (PIP) in addition to the state’s required liability insurance.[2]

  • Massachusetts doesn’t allow car insurance companies to consider your credit history when determining rates, underwriting policies, or renewing coverage.[3]

3 of the cheapest car insurance companies in Quincy

Quincy drivers can choose from several affordable high-quality car insurance companies. The best car insurance for you depends on your specific needs and driver profile. Rates vary based on your age, driving record, and ZIP code, so it’s smart to shop around.

Here are some of the best car insurance companies for different types of drivers in Quincy. The quotes for these three top insurers reflect statewide average costs in Massachusetts.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Midvale Home & Auto3.7$109$66Cheap rates
Travelers4.3$79N/AFull coverage
Safeco3.8$157$85Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$63/mo

Midvale Home & Auto offers the cheapest car insurance in Quincy. Drivers in Quincy can save even more when they take advantage of Midvale’s many discounts, including home and auto bundling, a good student discount, and a “Steer Into Savings” discount for drivers who switch to Midvale from another insurer.

Pros
  • Lowest rates for liability-only auto insurance in Quincy

  • Offers gap insurance

Cons
  • Lower Insurify Quality (IQ) Score than some insurers

  • Above-average number of complaints filed with the NAIC

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$45/mo

Travelers offers the lowest average rates for full-coverage policies in Quincy. Full-coverage insurance is a good option for Quincy drivers who are driving a new, high-value vehicle that they would want to repair after a car accident.

A full-coverage auto policy from Travelers includes liability insurance, as well as collision and comprehensive coverage. Policyholders can save on coverage with more than a dozen discounts from Travelers.

Pros
  • High IQ Score

  • A++ (Superior) financial strength rating from AM Best

Cons
  • Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study[4]

  • No rideshare coverage offered in Massachusetts

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

Best insurer for discounts: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$90/mo

Safeco’s average rates in Quincy already start low, but drivers can save even more when they qualify for Safeco’s many discounts. Most discounts are for safe drivers, including RightTrack, a telematics program that saves safe drivers money. You can earn a 10% discount just for enrolling in coverage.

Safeco also rewards you if you go claims-free for six months, sending you a check worth 2.5% of your policy premium. And for each time you renew your policy without a claim, your deductible will decrease.

Pros
  • Several generous discounts aimed at safe drivers

  • A (Excellent) financial strength rating from AM Best

Cons
  • Below-average customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Insurance Study

  • Limited coverage options

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

How to get the cheapest car insurance in Quincy

You can save more on auto coverage in Quincy with the following strategies:

  • Find discounts. Most car insurance companies offer generous discounts. Contact your insurance agent or visit the company’s website if you have questions about which discounts you qualify for.

  • Choose the right vehicles. Cars with advanced safety features and a strong safety record often cost less to insure.

  • Raise your deductible. A higher deductible typically means you’ll have lower monthly premiums — though you’ll have to pay higher out-of-pocket costs in the event of a claim.

  • Bundle policies. Purchasing car insurance and homeowners insurance from the same company is an easy way to qualify for discounts and save money.

  • Shop around. Whether you’re researching online or working with an independent insurance agency, comparing quotes from multiple different companies lets you compare rates side by side and find the best price.[5]

Find Cheap Car Insurance in Quincy, MA

Liability insurance starts at $38 per month

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Cheapest liability-only car insurance in Quincy: Midvale Home & Auto

If you cause a car accident, liability insurance covers the other driver’s vehicle repairs and medical bills. It doesn’t cover your own vehicle repairs. Midvale Home & Auto offers the cheapest liability-only policies in Quincy, at $38 per month.

The table below lists the cheapest liability-only coverage options in Quincy.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto38
Safeco49
Liberty Mutual59
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Quincy: Travelers

Full-coverage automobile insurance includes liability insurance, as well as collision coverage and comprehensive coverage. A full-coverage policy covers the other driver’s damages as well as your vehicle’s damages. Full coverage might be the right policy for drivers of high-value vehicles or financed vehicles.

Quincy drivers can find the cheapest full-coverage insurance with Travelers, with rates of $45 per month.

Here are the cheapest car insurance companies in Quincy for full-coverage insurance.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Travelers45
Midvale Home & Auto63
Safeco90
Liberty Mutual98
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Massachusetts

Massachusetts drivers must carry a minimum amount of auto insurance. Drivers must carry bodily injury liability insurance, property damage liability insurance, and uninsured motorist coverage that meets minimum limits.

Massachusetts is a no-fault state, which is why drivers must also carry personal injury protection (PIP). A no-fault state requires both drivers in an accident to file any injury claims through their insurance, regardless of fault. PIP covers your own medical bills in the event of an accident.

Here are the specific coverage limits required in Massachusetts:[6]

CoverageMinimum Requirements
Bodily injury liability$20,000 per person / $40,000 per accident
Property damage liability$5,000 per person
Personal injury protection$8,000 per person, per accident
Uninsured motorist bodily injury coverage$20,000 per person / $40,000 per accident

If you want some additional coverage, you can add the following optional coverages to your car insurance policy:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have an accident or collide with another object, collision insurance covers your vehicle repair or replacement costs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers vehicle damage from non-collision incidents, including severe weather, theft, vandalism, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If you total a financed car and the remaining balance on your auto loan is higher than your car’s market value, gap insurance covers the difference.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance covers services you may need while on the road, like a flat tire change or towing.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness coverage

    With accident forgiveness coverage, some insurers allow you to waive your first accident, guaranteeing your premium won’t go up after this first claim.

Cheapest car insurance for drivers with an incident

Drivers with an incident on their record, such as a speeding ticket, driving under the influence charge, or at-fault accident, often deal with higher rates. Car insurers see these drivers as a greater risk for future claims and charge them higher monthly premiums to offset the likelihood of a claim.

Massachusetts has a points-based system, the Safe Driver Insurance Plan (SDIP), that can increase the cost of coverage for drivers with past incidents and decrease costs for good drivers.[7]

Here are the cheapest car insurance companies in Quincy for drivers with different types of incidents on their driving records.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Midvale Home & Auto38515056
Safeco49676672
Liberty Mutual59817887
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of car insurance by age

Your age is one of the most important rating factors that car insurance companies consider when determining your rates. Generally, teens pay the highest car insurance rates due to a lack of driving experience and a higher likelihood of having a serious accident.

Luckily, drivers see better rates that decrease with age between 35 and 70. Then, rates increase slightly for senior drivers older than 70 due to aging-related risk factors.

The table below shows the average monthly quote in Quincy for different age groups.

AgeAverage Monthly Quote
Teens$166
20s$206
30s$192
40s$163
50s$122
60s$85
70s$64
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quincy car insurance FAQs

Before shopping around for car insurance, you should determine the amount you need. The following information should help you navigate finding cheap car insurance in Quincy.

  • How much is car insurance in Quincy?

    The overall cost of car insurance in Quincy is $78 per month. Drivers in Quincy pay $63 per month for liability coverage and $92 for full coverage, on average. Your specific driving record, age, and chosen coverage all influence how much you pay for car insurance.

  • Who has the cheapest car insurance in Quincy?

    With a liability rate of $38 per month, Midvale Home & Auto is the cheapest car insurance company in Quincy. The second-cheapest car insurer in Quincy, Safeco, has a monthly liability coverage rate of $49. Liberty Mutual also offers cheap liability coverage, with a monthly premium of $59. The best way to find cheap coverage is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Quincy?

    With a high IQ Score of 4.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and more than a dozen discounts, Travelers is the best car insurance company in Quincy. Other top insurers include Safeco and Midvale Home & Auto.

  • Does your credit score affect car insurance rates in Quincy?

    No. Massachusetts prohibits car insurance companies from using credit scores to determine rates, underwrite policies, or decide whether to renew coverage.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Quincy city, Massachusetts." Accessed December 13, 2023
  2. Massachusetts Division of Insurance. "Basics of Auto Insurance." Accessed December 13, 2023
  3. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed December 13, 2023
  4. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds." Accessed December 13, 2023
  5. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed December 13, 2023
  6. Massachusetts Office of the Attorney General. "Understanding Auto Insurance." Accessed December 13, 2023
  7. Massachusetts Registry of Motor Vehicles. "Safe Driver Insurance Plan (SDIP)." Accessed December 13, 2023
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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